vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 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: FL

Complaint narrative:
Experian credit reporting agency has made it easy for a debt collector to continuously report incorrect information and does not give equal opportunity to dispute it. Case in point, XXXX keeps reporting a " missed payment '' even though the account was closed in XX/XX/2017 ( as the credit report indicates ) and my attorney and I have disputed the debt with XXXX. XXXX has sent letters with inconsistent amounts due. I disputed this and Experian allowed it to remain. When it came up the next month as another " missed payment '', Experian would not allow me to dispute it. Every time any negative item is added to the report, we should be allowed by law to dispute it. In addition, when debt collection is being challenged, it should not adversely impact credit. The past two months, I  have gotten hit with collections reported by an agency I do NOT have and never have had any dealings with. I have no legal obligation to pay that company anything. Why is this allowed to impact me?? It is reported to me as medical collections. However, my husband 's insurance covers any medical issues and that is not my debt and any medical issues were paid by my husband 's insurance. The credit agencies seem to favor the collectors while holding the consumers XXXX and allowing " double jeopardy '' for the same thing over and over. This should not be legal and Experian should not be allowed to adversely impact credit and not give the consumer the ability to dispute it. Also, XXXX XXXX in XXXX hit me with several hard inquiries even though they did not have permission from me to do so. Yet, Experian gives me no option to dispute this online. I feel as if the credit agencies are in cahoots with the creditors. An investigation should be made into whether the credit bureaus get " kick backs '' or incentives from collectors to continuously input inconsistent or even incorrect information and leave the consumer little recourse to fix it.

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 2019-05-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I called Equifax today XX/XX/19 at XXXXpt to dispute something on my credit report because they still haven't fixed there mobile site after 12 months of it being broken .I was on the Equifax website and called there customer care and was greeted by a nice XXXX man named " XXXX '' who I gave all my personal info to including my SSN only to be told I didn't pass there security screenings and that I had to go to the BROKEN web page to file a dispute he also gave me another website www.investigate.equifax.com when I asked if he was Equifax he got very shady and tried to give me the run around so now I don't know who I just gave my personal info to neither does the company I called and I want my identity protected from this credit agency shady practices

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX I barrowed {$150000.00} from XXXX XXXX XXXX. All payments were made on time. On XX/XX/XXXX XXXX XXXX XXXX was taken over by XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX extended the balloon payment on the balance of the loan {$130000.00}. On XX/XX/XXXX XXXX XXXXXXXX XXXX renew the note of {$110000.00} for a three year term. On XX/XX/XXXX XXXX XXXX XXXX merged with Valley National Bank. On XX/XX/XXXX Valley National Bank extended the {$61000.00} loan. Starting around XX/XX/XXXX I started having financial problems and the loan payments were been late. The loan went into default. Instead of filling foreclosure on the properties the bank and their attorney Mr. XXXX XXXX file for judgement against me. MrXXXX XXXX in his fillings on XX/XX/XXXX said that I owe the bank {$20000.00} while the bank 's statement on XX/XX/XXXX have the balance of {$18000.00}. I got some money and tried to settle this matter but Attorney XXXX wanted over {$12000.00} in Attorney fees. I complained to Mr. XXXX and he said that he had to research all the properties. I complained to the bank and was told that they could not intervene. My then Attorney Mr. XXXX ( since resigned ) advised me to send the {$18000.00} plus reasonable attorney fees for a total of {$20000.00}. The check was sent to Attorney XXXX, which he returned. 
My complain is that Valley National Bank and their Attorney Mr. XXXX are charging me for research on properties which they should have done at the time when the loan was extended. Research on properties are done via computers and should not cost over {$10000.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The debt collection company refuses to contact the original creditor regarding a fraud investigation of a third-party and the creditor now alleges that they have no record of such investigation conducted conducted in 2016. According to 12 CFR 235.8 ( c ) ( 1 ), data  regarding costs incurred with respect to an electronic debit transaction, interchange transaction fees, network fees, fraud-prevention costs, fraud losses, and transaction value, volume, and type are supposed to be retained for 5 year 's. Why is there no record of how costs increased above my credit limit from {$300.00} to upward of {$900.00} and the fraud investigation conducted afterwards?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened the saving account for the {$25.00} bonus. I was supposed to received the {$25.00} bonus after 3 consecutive auto transfers from checking to savings. I notice on XX/XX/2019 that automatic transfer was cancelled for not enough funds into my checking 's account. Therefore, I put enough funds in my account on XX/XX/2019 requested that the executive team reactivate my automatic transfer for the month of XXXX. Although Ms. XXXX reached out to me from the executive office, she failed to try to resolve my concerns ( case # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: MD

Complaint narrative:
Account showing a 90 day late payment. Account was never 90 days late. It was always in deferrment. Even payment history shows account was current month before, then all of a sudden 90 day late payment. This is inaccurate reporting and needs to be removed immediately from all credit bureaus. See attachment from Experian 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 2019-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: SC

Complaint narrative:
FedLoan Servicing / PHEAA Legal Service Division has been contacting me for months AFTER I have proven that they do NOT have a contract with me. Their accounts were successfully removed from my credit file after all information was forwarded proving they are fraudulently attempting to collect a debt that they are unable to prove belongs to me. FedLoan Servicing / PHEAA Legal Service Division mails me numerous amounts of letters at a time and applied an administrative forbearance to suspend collections despite not having a valid wet ink contract with me. I have not requested an administrative forbearance with FedLoan Servicing / PHEAA Legal Service Division I requested the ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM ( NOT COPIES ). This company has threatened me with their legal team and has not provided any valid documentation proving they are the HOLDERS IN DUE COURSE. 
FedLoan Servicing / PHEAA Legal Service Division has had several months to provide me with the ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM ( NOT COPIES ) and each time has failed to provide anything of the sort FedLoan Servicing / Legal Service Division has NOT replied with a signed letter under penalty of perjury. 
FedLoan Servicing / PHEAA Legal Service Division has NEVER provided me with their Foreign Agent Registration under Title 22 U.S. Code 611. 
FedLoan Servicing / PHEAA Legal Service Division uses 3 different mailing address and ignores relevant mail from me. They have ignored my validation requests, non-response, cease and desist, and my notice of intent to sue requests. 
FedLoan Servicing / PHEAA Legal Service Division has no reasons to contact me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In XXXX I obtained a credit card with XXXX XXXX with a credit line of {$300.00} while off in college! Since then I have had XXXX XXXX report to my credit as an open account thats derogatory statement and then return with an hard inquiry, like I am requsting a line of credit with them and I nolong seek out credit cards. I believe they are doing wverything they can to keep an account open on me and in a negative status! Which continues to affect my credit Year after Year! I really need to get this resolved now that im wanting to rebuild my credit. I have tried contacting XXXX XXXX in regards to this manner but they will send me around and around to see why they are still reporting negative to my credit. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo purchased my mortgage from XXXX, subsuming the terms of my mortgage contract. Wells Fargo has been accepting timely payments from, however refuses to apply them toward my monthly payment. They are instead registering them as " Payments to principal '' -- one of their representatives notified me over the phone that they would still expect a " single, one time payment in the exact amount of the bill '' every month. 

The payments I make toward my loan are to be applied at my discretion ; the representative informed me that they would keep applying them to principal regardless of what my wishes are. To date I have received one legal correspondence from Wells Fargo notifying me that my " XXXX '' payment is overdue. From XXXX through XXXX I have submitted {$970.00} in payments. From XXXX through current I have submitted an additional {$310.00} toward monthly payment ; which the rep told me was not applied toward payment.

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 2019-05-22 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: EdFinancial Services
State: MD

Complaint narrative:
Account showing a 90 day late payment. Account was never 90 days late. It was always in deferrment. Even payment history shows account was current month before, then all of a sudden 90 day late payment. This is inaccurate reporting and needs to be removed immediately from all credit bureaus. See attachment from XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Earm LLC
State: CA

Complaint narrative:
XXXX XXXX is harassing me and my children by continuously calling our cell phones claiming that I owe a loan to XXXX. I told him I do not owe a loan and he then read out my ssn #. I asked if he had my address so that I could respond in writing but he ignored me and told me that I was rude. I told him that I was recording the call with an app on my cell phone and to not call me anymore.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-22 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: OK

Complaint narrative:
On XX/XX/2019 XXXX XXXX also known as XXXX XXXX   XXXX XXXX XXXX XXXX, Ok XXXX, ( XXXX ) XXXX-XXXX ) reported delinquent rent on my credit report. ( I was a co-signer on a lease ). 
I filed an online dispute on XX/XX/2019, XX/XX/2019 and via phone on XX/XX/2019. I informed TransUnion about the violation. Since it is against the FCRA, 604. Permissible Purposes of Consumer Reports [ 15 U.S.C. 1681b ] for an entity to view or place an account on a consumers credit report without a permissible purpose., I wrote TransUnion to inquire as to their purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with XXXX XXXX or any of their properties. On XX/XX/2019 I received a copy of TransUnion Personal Credit Report and a letter stating that the account has been deleted from my report. 

On XX/XX/2019 I reviewed the information that was sent to me. As you will see in the attached page of the Report under the Adverse Accounts, XXXX XXXX reported that the Account Type was an Open Account. The Loan Type is a RENTAL AGREEMENT. This information is important because it would indicate that TransUnion allowed XXXX XXXX to place an Adverse Account on my credit report without a permissible purpose. The Personal Credit Report also shows that the Adverse Account is still on my Report. 

15 U.S. Code 1681a.Definitions ; Rules of Construction ( 1 ) The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. 

Since the information TransUnion provided to me includes incomplete information they have not fulfilled their obligation.

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 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: NV

Complaint narrative:
Checkr continually reports and has reported outdated information that is more than XXXX years old. In this instance, checkr has reported negative information to an employer from 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have 2 issues 1. LOAN BALANCE : the original loan balance was $ XXXX back in XXXX. In XXXX, we modified the loan, and effectuated new LOAN DOCUMENTS that re set the loan balance to {$2.00} M. We have been making the payments and our loan is now at $ XXXX plus or minus. OCWEN, our servicer, reports : HIGH LIMIT as $ XXXX and the Current Balance ( correctly ) at $ XXXX. However, this implies we are OVER THE CREDIT LIMIT since the new HIGH BALANCE after the loan mod became $ XXXX. They have repeatedly denied our requests to change and correct that. This has hurt our scores since it perpetually shows us as exceeding our credit limit. 

2. Reporting us late when we are not. In XXXX, Ocwen reported us late in XXXX, XXXX and XXXX. In XXXX, XXXX, XXXX and XXXX were reported late. We made each of these payments timely, by wire, and yet they refuse to correct the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: SC

Complaint narrative:
I am a victim of identity theft the information detailed in my credit report does not relate to any transaction that I have personally made. I believe my information was compromised in 2011 during the XXXX XXXX XXXX data breach. Since I was notified of the compromise I have received several spam phone calls where the person already has my personal information regarding an account that I do not have. In the beginning of this year I review my credit and noticed several fraudulent accounts there as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Miller, Stark, Klein and Associates
State: OH

Complaint narrative:
Miller Stark Klein & Associates are attempting to collect on a debt that was paid over 10 years ago. The debt was with XXXX XXXX  in XX/XX/XXXX, in XX/XX/XXXX XXXX XXXX  sold this debt to a third party. My name went onto XXXX as a result of me not paying this debt. In XX/XX/XXXX/XX/XX/XXXX, I paid this debt with the third party in order to have my name taken off of XXXX. It was the only way to open a bank account again. 

Now, 13 years later, its XX/XX/XXXX now, MSK & Associates is attempting to collect on this debt a second time. I explained to them it was paid in full and that it had to be or I would not be able to have a bank account open now. I've had the same bank account since XX/XX/XXXX/XX/XX/XXXX. 

They claim the debt went back to XXXX XXXX  in XX/XX/XXXX, when that third party debt collector closed. They claim they were just sold this debt within the last 60 days from XXXX XXXX. We conference called XXXX XXXX  and they claim to not be able to trace the debt once it was sold to the third party and that the debt never defaulted back to them in XX/XX/XXXX. 

MSK & Associates will not quit trying to contact me and keep threatening me with legal fees and income garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: AL

Complaint narrative:
I attempted to have a XXXX  removed from my right eye. Dr XXXX XXXX made a mistake during the XXXX and several pieces of the XXXX XXXX XXXX and migrated to the back of my XXXX. As a direct result of his error, I needed a second XXXX, by Dr XXXX XXXX ( a XXXX XXXX ). The end result is that I am Legally XXXX in my right eye ( 20/450 ). I paid Dr XXXX But I did NOT pay all of Dr XXXXHospital bills. 
Because I would have never NEEDED the 2nd XXXX if Dr XXXX did his job correctly. 
I do not see the logic of paying for who caused me to be XXXX. Would you? 
The bill was something like $ XXXX and change.... 

XXXX I chose not to sue Dr XXXX because I am not the litigious type of person. 
Apparently they do NOT feel the same way....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This is now the THIRD TIME this supposed debt has yet to reappeared on my credit report. This supposed debt was discharged not of my responsibility due to the un ability to prove financial responsibility. On XX/XX/2017 I received a document by mail from XXXX XXXX XXXX XXXX stating that after due diligence and international investigation of all information shared by all partys this supposed debt was false non existent and was ordered to be removed immediately never to be used again against me because there were no findings of financial responsibility. Yet despite a certified legal document in response to this supposed debt being false by XXXX XXXX, the companys COMMONWEALTH FINANCIAL SYSTEMS and the original creditor XXXX XXXX XXXX XXXX disregarded this filing and finding. COMMONWEALTH FINANCIAL SERVICES LLC then proceeded to contact me yet again against these findings and claimed that XXXX XXXX XXXX XXXX withdrew this matter from XXXX XXXX XXXX XXXX despite their findings well after the date of these findings. In this legal document presented to me by XXXX XXXX XXXX XXXX that stated this supposed debt be removed immediately from all credit reports indefinitely. COMMONWEALTH FINANCIAL SERVICES LLC claim they sent a document proving these liabilitys, but the documents I requested as well as XXXX XXXX XXXX XXXX were not certified legal documents or copys of certified legal documents and or a certified legal contract or certified copy there of. Also XXXX  neglected this discharge of debt order due to un ability to prove financial responsibility and allowed this supposed debt once again be put on my report. My previous CFPB Complaints in this matter are # XXXX and # XXXX / ID XXXX there is sufficient documentation on this matter in the CFPB archives.

Company response to consumer: Closed with explanation