vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian and XXXX failed to positively verify the account, and has hurt my ability to obtain credit. XXXX  XXXX XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
I have called XXXX XXXX several times and have spoken to different representatives that have informed me t that I qualify for the " temporary expanded Public Service Loan Forgiveness Program (  tepslf ). '' I know this to be true because I completed 7 years in the program and was placed in the wrong repayment plan for over 3 years so I am a perfect candidate. The problem is that the XXXX XXXX   representatives claim not to have access to TEPSLF and neither do individuals who have applied to the program. There is no phone # only an email address that does not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX  and Transunion failed to positively verify the account, and has hurt my ability to obtain credit. XXXX  XXXX XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Dear Sir/Madam, The issue is based on complaint dated XX/XX/2018 between Chase and XXXX XXXX XXXX XXXX Complaint ID:XXXX and the complaint was resolved. Therefore, in resolution chase requested me to submit my bank statement and any details to locate an account with me with XXXX XXXX XXXX.

Am here by submitting the bank statements and the National registration card as proof of identity documents to be forwarded to Chase bank as per request to transfer the funds via XXXX. Chase wrote to me on XX/XX/2018 that they need more information from me before they can research my request.According to my best knowledge this issue have reached the final stage if Chase bank can access the documents which is attached as per request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: MO

Complaint narrative:
When I called the XXXX number to find out where can I print my XXXX forms when I spoke to the rep I answered all my info which is card number, first and last name of the account, date of birth and my online id I use then the rep said " We can't help you because you are phishing someones account even though I was the one who knows what the question are I told them that " I was the account holder NOT a scammer or a thief of my own account '' and then I hung up and called back 5 minutes later I told a other reps that I know the questions are being asked when you call the number on your back of your card then the rep said I was doing a fraudulent act on my account then when I tired to speak to a supervisor and they refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen claimed it foreclosed on the purported debt and received payment for delinquent months from XX/XX/XXXX-XX/XX/XXXXfrom the trustee. Question # 1 : Who is the holder in due course that Ocwen remitted the proceeds of the foreclosure to? Question # 2 How much was paid to the holder in due course?

ALSO : State the date the title policy expired.

Provide the satisfaction of mortgage certificate involving XXXX XXXX XXXX, XXXX  and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I have this collection on my credit reports I have tried to get them removed but it has not happened. This debt is not mine and never was I would like it removed as soon as possible. This is on all my credit reports and is not mine. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1100.00} Overview You've paid off 0 % of your collection amount. 

Balance {$1100.00} Highest Balance {$1100.00} Opened XXXX XXXX, XXXX ( 1 yr, 10 mos ) Account status Open Type Factoring Company Account ( debt buyer ) Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have a debt collection on my credit reports that is not mine I have tried several times to get it removed Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent Equifax multiple letters to very that this account was owed by me and I never received a copy of a application with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent Equifax multiple letters to verify that this account was owed by me and I never received a copy of a application with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent Equifax multiple letters to verify this account and I never received proof or a copy of a application with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi my name is XXXX,, I have attempted to contact Equifax regarding 3 separate unverified accounts that are sitting in my credit report negatively affecting my ability to obtain credit. 

I have sent a dispute letter requesting that these negative accounts be Verified or removed. 

Equifax has failed to respond to my dispute letter sent on XX/XX/2018 and received by Equifax on XX/XX/2018 Equifax has failed to respond to my dispute letter within the fair credit reporting act 30 day response time deadline. 

They have failed to provide me with verifiable documentation verifying these accounts or remove said negative accounts that are preventing me from getting credit. 

These unverified negative accounts which ave been copied, notarized and sent via certified mail with proof of delivery have not been verified within 30 days of receiving in accordance with the FCRA 30 day deadline. 

Ps : I noticed it said I shouldnt write any personal info!! If you do need any personal information to help this situation please contact me I have all documentation ready. 

Below there is an attachment of 3 separate photos providing proof of sent disputes to Equifax on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent Equifax multiple letters to verify this account and I never received proof or a copy of a application with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent XXXX  multiple letters to verify this account and I never received proof or a copy of a application with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax failed to positively verify the accounts and has hurt my ability to obtain credit. I did not have a contractual obligation to pay the accounts balances, they are not mine..Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX  XXXX, XXXX XXXX, XXXX   XXXX, Chapter XXXX Bankruptcy Discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Interstate Recovery Service, Inc.
State: PA

Complaint narrative:
XXXX XXXX was charged {$490.00} XX/XX/2018 for unpaid magazine subscription she was billed {$1900.00} for unpaid magazines she gave her credit card to Interstate Recovery Service XXXX   XXXX XXXX XXXX XXXX, VA XXXX phone XXXX XXXX XXXX. 
When XXXX contacted the magazine distributors there was no outstanding charges in the amount stated by Interstate recovery. We believe that a fraud has occuredsince interstate recovery has not sent backup information supporting there charges.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian failed to positively verify the accounts and has hurt my ability to obtain credit. I did not have a contractual obligation to pay the accounts balances, they are not mine..Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied to Amex personal and business with a solid credit score they advised me I was approved and when I got into deeper conversation about what I do to help XXXX rights she put me on hold and declined the applications on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is out of line. First they cause this massive data breach and offer to give a bogus identification theft program the CEO couldnt even face congress and weeks later he stepped down with his  Millions in severance personal payments knew about the data breach and before he sold his stocks before making contacts with congress or the American People! They refuse to block items that are Fraudulently placed on my credit bureau ( Equifax being the only one not cooperating ) XXXX XXXX and XXXX have been fantastic. Equifax needs to be held to a higher standard of removing the Fraudulent Accounts. I believe this is XXXX XXXX on Equifax part and they are out of compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Reports Erroneous Information Current Creditor refuses to properly investigate and properly remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/2018 I received a letter from Experian report # XXXX stating that pursuant to section 611 ( a ) ( 3 ) ( A ) of the FCRA they will not re-investigate the same dispute again at this time. 

The creditor agency intentionally reported my address incorrectly. My address is XXXX XXXX XXXX XXXX CT. According to the FCRA 623 information furnisher have the obligation to report accurate information Rule 660 pertains to information furnishers and their duties under the Fair Credit Reporting Act U.S.C 1681. 

The disputes against XXXX/XXXX XXXX  are not irrelevant. Experian had inserted duplicates of the same account information previously disputed. Thus re-aging the accounts and date of first delinquency, collection dates and time since negative. 

The FICO score report indicated that the account was re-aged. Experian did not have reasonable procedures in place to prevent violations of the act FCRA 623 ( a ) ( 1 ) ( c ). 

Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. FCRA 623 ( a ) ( 3 ). 

CRA about the accounts of a creditor, you must report the date of delinquency given to you by the creditor. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: MD

Complaint narrative:
I did not receive the email about my loan being recapitalized, and my income based repayment plan effective end date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have for several months been disputing with the credit bureaus on inaccurate information on my credit report from the creditor. However to no avail I have not made any progress. 

I am writing to challenge the reporting and compliance on an account with XXXX that is being reported on my credit report with incorrect information. 
More specifically, I am referencing the fact that bureaus are reporting inaccuracy in the length of late pay on this account prove of who validated this account from the wrong payment/amount owed, date opened that does not match with TRANSUNION, XXXX  & XXXX. This improper procedures is highly damaging to my credit score. 
I have complained about XXXX bank on several platforms and through CFPB as well to find out that its the same result.My biggest concern is with all the documents i have submitted through the CFPB on these errors the bureau is allowed to keep updating and correcting these errors that are clearly wrong without proper verification. This account should have been deleted from my credit profile. I showed the errors in late payments, inaccurate dates of when this account was open as well as amount due through this platform and it comes back verified. I asked for prove of verification and it comes back verified with no prove. I thought that all information reported must be in good faith and lawfully correct. How can i have one bureau claim i paid on time and the other stated 60 days late verified after i file a complaint through your department. 
However, all reported data must be completed, correct, and proven if challenge. I dont know how the credit bureau validate wrong information without adequate compliance of state and federal laws being applicable throughout.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have for several months been disputing with the credit bureaus on inaccurate information on my credit report from the creditor. However to no avail I have not made any progress. 

I am writing to challenge the reporting and compliance on an account with XXXX that is being reported on my credit report with incorrect information. 
More specifically, I am referencing the fact that bureaus are reporting inaccuracy in the length of late pay on this account prove of who validated this account from the wrong payment/amount owed, date opened that does not match with XXXX, EQUIFAX & XXXX. This improper procedures is highly damaging to my credit score. 
I have complained about XXXX bank on several platforms and through CFPB as well to find out that its the same result.My biggest concern is with all the documents i have submitted through the CFPB on these errors the bureau is allowed to keep updating and correcting these errors that are clearly wrong without proper verification. This account should have been deleted from my credit profile. I showed the errors in late payments, inaccurate dates of when this account was open as well as amount due through this platform and it comes back verified. I asked for prove of verification and it comes back verified with no prove. I thought that all information reported must be in good faith and lawfully correct. How can i have one bureau claim i paid on time and the other stated 60 days late verified after i file a complaint through your department. 
However, all reported data must be completed, correct, and proven if challenge. I dont know how the credit bureau validate wrong information without adequate compliance of state and federal laws being applicable throughout.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
XX/XX/2016, a {$440.00} debt was placed on my name and I tried calling the creditor to request for more information or details about this debt but was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Reports Erroneous Information Current Creditor refuses to properly investigate and properly remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX has been reaching out to myself several times every hour of the day even on weekends. I had resolves the problem last Wednesday XX/XX/XXXX but am still receiving back to back phone calls. I have also had several people I am not even in contact with say they've received a call regarding the situation and that they stated it was to collect a debt ( which I thought was against the law ). Also not quite sure how or why the people that were contacted were reached out to, as they have no relevance to me or the situation. I had also received messages stating that the situation would go to an attorney if it was not resolved immediately.

Company response to consumer: Closed with explanation