vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-23 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: GA

Complaint narrative:
I placed a dispute in to the major credit reporting agency on XXXX, yet I have yet to hear of any resolution to my issue. I am a victim of identity theft and provided proof of the crime and me being a victim.

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 non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cordoza & Wexler Recovery Services
State: CA

Complaint narrative:
For the last couple of months XX/XX/XXXX through present Ihave been receiving a call from some company which looks like a local number calling - could not recognize what they were saying on my voicemail - person speaking sounded distorted - stated something about need signature and social security number - press 1 to accept message or call back an XXXX number - couldn't really understand them - I ignored it but on Tuesday XX/XX/XXXX received another call so I finally returned a call to the number on my caller ID which looked local and someone answered and I asked them who they were and why were they calling me - they stated they were from Cordoza and Wexler a settlement company and asked is this and they stated my name and that they were trying to collect a debt on a payday loan from XXXX which was never repaid - what was really upsetting was they had my bank name and some of my other personal information & my email address - I do not remember taking out a payday loan from the company they stated and for the amount they stated which was quite large and what is really crazy is the payday loan companies only allow you to take out loans in an amount comparable to your wages - I know for a fact I could not have taken out a loan for that amount - she told me that I could find proof of payment and send it to them so I went through all my XXXX receipts and could not find any record of any type of payday loan - I knew there wouldn't be one - after that I was really upset so I called them back and I flat told them I don't know who the XXXX you are & how you possibly got my personal information but you can go take a flying powder as far as I'm concerned and please send me proof of any type of documentation that I owe this debt and paperwork with my signature and I will be forwarding this on to my attorney and I will be filing a complaint with the Consumer Finance group - as of today I have not seen any type of documentation from them through email and I don't know if they have my address so I will be checking my mail the next several days to see if anything is mailed to me which I doubt - I plan to contact local law enforcement and Lodge a complaint for fraud and extortion against this group of people - I am truly sick and tired of all the scam artists in this world who try to take from people who have worked hard all their life. One thing further I was part of the breach at XXXX  and possibly they got information from there and that is how they're trying to scam people Please be aware that this group of people are scam artists and are trying to collect money that you do not owe or possibly have already paid back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
On XX/XX/XXXX, a loan of XXXX was taken out. As of XX/XX/XXXX, XXXX was paid towards the loan with XXXX, but with fees tacked on now, it's at XXXX to this date. In XXXX of XXXX I revoked the right for Speedy Cash to continue withdrawals as I fell on hard times where payments could not be made. I had 5 remaining payments of XXXX left. Several months later after failed negotiation attempts with Speedy Cash, the account was sold to XXXX XXXX XXXX and they have been reporting to the credit bureaus. This started in XX/XX/XXXX. Several attempts were made to negotiate with XXXX XXXX by mail, sending certified letters, however, never got a response only saying I owe the debt, but they could never validate that they OWN the debt. In XX/XX/XXXX an attempt to contact Speedy Cash to pay off the debt was made, as on their website it shows they still own the debt. That was in vain. At this time, nobody can validate who has the debt. Nobody is communicating on a payment settlement or agreement, despite I have the funds now. I have refused to give my bank account and card information and insist on mailing money orders or do bill pay through my bank, however, each company insists on access to my bank. 1 ) Who owns the account? 2 ) I will not give out my banking information 3 ) I want this all off my credit report being nobody can prove anything of who owns it. 4 ) I will negotiate a reasonable dollar amount to the company who OWNS the debt to have this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: PA

Complaint narrative:
Around XX/XX/2018 Equifax used another reporting agency to add a account. I was disputing a XXXX XXXX account where I submitted a XXXX credit report to reflect what the accounts should look like ( paid in full ). On that report XXXX  listed a account I was in the process of disputing XXXX. I called Equifax who states that XXXX sent over the information. I then kept on asking for the proof like some sort of contract with my signature and equifax refused to give me the proof where they got the account from. I finally called the creditor who stated any account closed for several years they wouldnt have reported on. They even wrote me a letter stating they could not find a account in my name during there search. When equifax used my XXXX report on a totally separate matter they broke the law under FCRA. I demand if they cant produce actual correspondence with creditor XXXX with a Auto loan contract to remove the closed account. Each reporting agency has there own way to collect data on a individual using something other then the creditor to verify a account is morally wrong. Again im demanding proof of the correspondence between XXXX and equifax. If nothing is found this should be removed per the FCRA. I have recently submitted a dispute but that dispute shouldnt exist. No matter what case I have for XXXX  at this time with equifax should be removed if proof cant be produced how they aquired it. Its a bit odd this account showed up when I submitted a credit report from someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: OH

Complaint narrative:
Greetings, I send several notices to Equifax regarding this account not being mines. 
On one credit report it shows it was removed than I next month it reappeared. 
Also I seem like no human being is actually reviewing my documents because there no cross references to what I demanded the creditor agency to provide to ( me ) the consumer. 
As shown in my paperwork the creditor nor did Equifax provided any response to my request my validation or proof I authorize this account to be open in my name. 


My next step is to submit a FTC identity theft and police report to the Federal Trade Commission and possibly legal action against Equifax for violation of FDCPA, FCRA, and also the alleged creditor agency for violation of Debt improvement collection act ( DICA ). 


P.S. I send three times below the unverified account to Equifax. 
There more documents I send as well. At the moment do not have it in my possession at the time. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have an auto loan with Chase Auto Finance. In XX/XX/2017, my payment due date fell on a Saturday. I made the payment on Friday before the XXXX cutoff time. Instead of the payment posting that day like it should have, it didn't post until the following business day, resulting in a 30 day late payment that is showing up on my credit report. I've tried calling Chase Auto Finance multiple times to request that this 30 day late payment be removed from my credit report, and every single time I end up having to ask for a supervisor and/or manager, which either ends with a disconnected call or failed transfer, or that someone will have to call me back. I've never received a return call from a supervisor or anyone else in management. I've tried sending a payment dispute letter to their research department, but I can't get any answers from that either. I would like Chase Auto Finance to remove the one and only late payment from my credit report so that I can continue with the process of buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Since early XXXX I have attempted to get experian to correct their inaccurate reporting of my XXXX XXXX XXXX account. XXXX has given me assurances in writing and orally the account is and has been reported as closed to all 3 credit reporting agencies. However, EXPERIAN flatly refuses to correct their reporting and show this account as OPEN when it is closed. I have submitted numerous request to experian to show this account as closed and uploaded the letter from XXXX dated XX/XX/XXXX stating they too have told experian the account is closed several times but it is up to experian to update its own records. I sent XXXX 's letter to experian and was given # XXXX when I completed the upload with yet another dispute of their incorrect reporting and experian promptly stated matter was closed and still show the account open with the dispute closed. I got another letter from experian XX/XX/XXXX # XXXX portions of report marked showing they have account open not closed as XXXX is reporting it. Their false reporting makes my credit score rather low because it shows I am using a over 50 % of my credit from XXXX when in fact it is closed and I am using XXXX % just paying back the debt I incurred as we agreed I would. Please contact experian and instruct them to correct their records to show my XXXX account has been closed since XX/XX/XXXX NOT OPEN and being used as a line of credit. Thank you.

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 2018-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Commercial Services, Inc
State: OH

Complaint narrative:
The attached documents proves that XXXX XXXX, XXXX XXXX and XXXX XXXX are guilty of violating the FAIR DEBT COLLECTION PRACTICE ACT and breach of contract. This case is still unresolved to date ( XX/XX/XXXX ) for they refuse to submit the required document stating the payment has been satisfied and releasing driver 's licenses from suspension and accident block. 

The letter from National Commercial Services ( NCS ) clearly shows the amount for which suspension was based and date of requested suspension. The payout summary and repairs supports the claim ; and the receipt shows that amount paid in full prior to the date of suspension. 

On the XX/XX/XXXX XXXX wrote to me " Thank you for your payment. We will credit the account accordingly. The department of Motor Vehicles will be notified of complete payment once posted in the morning. You will receive notification accordingly in regards to the completed release. Thank you, XXXX XXXX '' That agreement was breached by her failure to credit my account and notify the DMV as promised resulting in driver 's licenses suspension. To date she has not done so. 

I hired Attorney XXXX XXXX who contacted XXXX and paid what was demanded as outstanding ( {$130.00} ). Those monies were paid on the XX/XX/XXXX with the promise from XXXX " The DMV would have your release within 5-7 days. She ( XXXX ) emailed me ( Attorney  XXXX  ) the receipt for the payment already. '' Again, to date the DMV has received no such document of release. Again, XXXX has lied and has breached another agreement. 

We have suffered immeasurable amounts of stress and our ability to conduct and improve our livelihoods have been stifled as a result of these breaches.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Ocwen Loan Servicing acquired my current home loan. Previously, Ocwen reduced the mortgage payment to about {$1100.00} per month without me having to refinance. Recently, Ocwen increased my mortgage payment by a ridiculous {$800.00} extra per month. Now my current payments are {$1900.00}. Ocwen said this was due to an escrow shortgage.???. Anyway, I have been sacrificing to pay this outrageous amount for the past several months and I know the escrow shortage should be cleared up by now. I requested that my payments be lowered back to around {$1100.00} and was told that couldn't be guaranteed since the shortage amount had already been calculated and included in the remainder of the loan balance. Ocwen said that I could re-finance. I DO NOT want to refinance with Ocwen. I didn't refinance for them to lower my payment prior to this huge mortgage increase so I shouldn't have to refinance now. This will only add additional fees and increase the loan amount. I also received a notice from Ocwen stating they have PMI insurance on the loan. I want this removed to help lower the mortgage.payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
Company : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone ; XXXX XXXX Debt collector company reach me attempt to collect a debt to First Cash File number XXXX I make a payment arrangement with them and I paid them XXXX. XXXX to charge off XXXX. I try to reach them back i never get the communication, they do not sent me the receipt the same day until I contact them and I leave a voice mail because they never answer the phone. I suppose to paid XXXX on the XXXX but I do not paid because when I try to reach this company nobody answer. I try to many time to reach them back I never get a respond. I get bad vibes, I look online I don't find this company online look by the phone and people talk about this is a scam. They call me back today XXXX because they can not process the amount of XXXX. I explain everything to XXXX that is the name of the person that call me. She gave me the website but I never find that website ; XXXX. We have a little discussion but I do not want to continue with this so I hang up. That's why im making this complain. To see if this company can check if this is true or is a scam. Also help other with my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: NY

Complaint narrative:
Penn Credit, woman calling said her name was " XXXX ''. 
The number has called my office phone 4-5 times daily, often after XXXX for the past 6 months. 
They asked for a name that has never worked at the company. Then asked for another random name after stammering at my questioning for the abusive calls. 

When further pressed for information about the calls " XXXX '' claimed she was a friend and needed to discuss personal matters. 

I said, you know its illegal to collect a debt at someone's place of business as well as repeated calls. She insisted it was just a personal matter she had to discuss. 

These people are egregious liars with countless complaints about their tactics online. 

Put an end these filthy useless scumbags. 

Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: GA

Complaint narrative:
AD ASTRA RECOVERY SERVICE is reporting a fraudulent account I do not owe. also In the state of Georgia Collection of Debt on Account 4 yrs. 9-3-25 According to the FCRA the Time limit begins 180 day after the first delinquent payment FCRA ( c ) Running of reporting period. 6 ) ( 2 ) ( 1 ) In general in paragraphs ( 4 ) and ( of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. ( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was pretty surprised to see a late payment reporting for me from XXXX. I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement never got to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2018. I submitted a dispute for a Public Record Bankruptcy to Transunion removed off my Transunion Credit File. The U.S. Courts have verified to me that that they in fact do not report such information to the Credit Bureaus. Furthermore, the address linked to the Bankruptcy is an address that's not on my Credit Report or is it an address that I lived at either. This Public Record has negative effect on my Credit File when it comes to acquiring Credit or applying for a Mortgage Loan. Per the FCRA & my rights as a Credit consumer, I've asked TransUnion Credit Bureau to send me documented copies that states the U.S. Court reported, verified or documented such information to them to place on my Credit Report. It's been well over 30 days and they have yet to provide such document.

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 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Step 1 : What is this complaint about? Step 2 : What type of problem are you having? Step 3 : What happened? Step 4 : What company is this complaint about? Step 5 : Who are the people involved? 



-- -> XXXX XXXX XXXX  - The Experian website through XXXX is ENtirely unclear. I was reviewing a web version but was unaware, that I would not be able to access it again, and that I'd need to print a hard copy to review it later. I closed the Experian web version of my XXXX XXXX XXXX, and am not able to get a copy easily, and/or go back to it. Experian ( or perhaps XXXX, it's NOT clear ). I believe that the website designers could/should address this issue - the site should prompt individuals that they are reviewing it electronically and will NOT be able to access it again, OR BETTER, offer the option to view electronically and/or print a copy. 

Super frustrating

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 non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The following account has been reported as a collection and was reported incorrectly. Please have credit bureaus to remove this, thank you : Please remove promptly. Thank you for your prompt attention. 

This is what I received : -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX, " XXXX '' XXXX Sent : Tue, XX/XX/2018 at XXXX XXXX Subject : XXXX ( XXXX ) XXXX URGENT [ ref : XXXX : ref ] URGENT Per client request, please close XXXX dos XXXX and XXXX with collections. The client sent the wrong insurance and per the VA, the patient isn't responsible.

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 non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm very surprised to see a late payment reporting on my credit report.to my knowledge I have always made my payments on time. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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