vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian continues to report a late payments for XXXX XXXX Acct # : XXXX. Experian is reporting late payments for XXXX and XXXX of XXXX and XXXX, XXXX and XXXX of XXXX that never happened. I am not sure if Experian has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX, but the late payments that continue to be reported by XXXX XXXX are erroneous and damaging to my credit scores. This account is currently closed and has been for years when this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Experian make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2019-03-27 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: MO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX - ( Please see page 4 and 5 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cordoza & Wexler Recovery Services
State: NJ

Complaint narrative:
Received a phone call identifying herself as a county server attempting to obtain signature at my home or my job In order to not process documents so I dont miss my court date. Indicated that if I dont cal their number and provide file number ( no file # provided ) court proceedings will continue without my presence. Call received from XXXX. Asked to call XXXX. Person to call was XXXX XXXX. 

When I called the number a man answered and said my husband owed them, they had several conversations. Not true. 

When told to put info in writing and send through mail, he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: WA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX/XXXX. ( Please see pages 6, 7 and 8 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: DC

Complaint narrative:
I paid this creditor off ( XXXX ) {$260.00} in XX/XX/XXXX. This account has been paid in full and settled. I dispute this item 5 times with XXXX. Each time the Professional Bureau Collections of Maryland said this account is accurate. I reached out to Professional Bureau Collections of Maryland directly, a number of time. I was informed by a Customer service representative at ( Professional Bureau Collections of Maryland ). That they didn't care if I paid the account off with XXXX they want there money and will continue to report this item until I pay them. I offer to send documentation from XXXX and XXXX XXXX showing that this matter has been paid off. The representative said they don't care and they will remain reporting it on my credit as unpaid each month. Professional Bureau Collections of Maryland is a collection company ( XXXX XXXX ) hire to settle this claim. XXXX wireless reach out to me and I settled with them. They inform me after settled that the collection company will closed out the account as well. Which ( PBCOM ) never did .The company PBCOM are SCAM Artist COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: WA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX. ( Please see pages 6, 7 and 8 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: COAST PROFESSIONAL, INC.
State: AZ

Complaint narrative:
We are a business. Coast Professional Inc requested a verification of employment for an individual. We informed them that all VOE require a hand written or electronic signiture from the individual they are requesting information about. They faxed a VOE without any signature. We informed them it was incomplete. Over the course of 2 days we continued to receive multiple calls ( at least 6 ) where the same female harassed us requesting information because " I'm in NY and can't get a signature from the individual '' and " He won't return my call, can you just put him on the phone so I can talk to him? '' and " Can you just get the signature for me? '' as well as several other obvious tactics to maneuver around our policy. The calls have continued even though we have told her we can not assist her without a signature. This is harassment and needs to stop.

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 2019-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion continues to report a late payments for XXXX XXXX  Acct # : XXXX. TransUnion is reporting late payments for XXXX through XXXX of XXXX, XXXX and XXXX of XXXX and XXXX, XXXX and XXXX of XXXX that never happened. I am not sure if TransUnion has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX, but the late payments that continue to be reported by XXXX XXXX are erroneous and damaging to my credit scores. This account is currently closed and has been for years when this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2019-03-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX respectfully needs to remove the Derogatory Remarks of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX as a agreement was made with XXXX XXXX XXXX on my auto loan # XXXX to put my account Current and removed all derogatory remarks of 30-60-90 days late of XX/XX/XXXX,XX/XX/XXXX-XX/XX/XXXX. 
XXXX made errors on agreement and I misplaced my reading glasses when accidently signed Payment Extensions of XX/XX/XXXX-XX/XX/XXXX. 
As far of XX/XX/XXXX., through XX/XX/2019 all timely payments of {$440.00} was always made on time and deducted from my XXXX XXXX XXXX Account # XXXX. 
I provide it evidence to Federal Government and US Senator XXXX XXXX. 
I respectfully gave Consent authorization of my Privacy Release to Senator on my issues of XXXX and Experian and XXXX. 

I am respectfully XXXX Lifetime and Retired and a US XXXX Honorable Military Veteran. 
I am going through a VA Loan and home purchase process in Florida with XXXX XXXX  and XXXX XXXX XXXX in Florida, but it appears that XXXX, XXXX and Experian are Retaliating, Discriminating against me on my Lifetime XXXX and National Origin as a XXXX US Military Veteran. 

Experian and XXXX  are holding my VA Loan process with XXXX Derogatory Remarks on my credit reports. 
XXXX administration made contact with XXXX  to remove all Derogatory Remarks from XXXX. 
But I review the credit reports that Experian and XXXX and derogatory Remarks are still listed on my credit reports. 
XXXX, XXXX and Experian are in Federal Violations and my ADA Disability Act under Department of Justice. 
This is a very Urgent Matters.

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 2019-03-27 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: MS

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 past due on XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 past due on an account with a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Although my credit report correctly reflects payments made on time for each month within my credit file, TransUnion continues to report a negative payment status and negative worst delinquency of 120 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if TransUnion has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative status and worst delinquency information that continue to be reported by TransUnion are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2019-03-27 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: IN

Complaint narrative:
I made my typical monthly payment to Ocwen on XX/XX/XXXX only to have it returned to me in XXXX. When I called to find out why they sent me a check for the same amount of XXXX they stated my loan was due to be paid off by XX/XX/XXXX which I was not aware of. 
I asked them how this would impact my credit since I did make the payment and they said it most likely would show delinquent. I ended up wiring the payoff amount immediately after finding out it was due for XXXX on XX/XX/XXXX. I just checked my credit history and it is showing delinquent for not only XXXX but for XXXX too. I have attached screenshots from XXXX to show payments were received and therefore should not be delinquent for both months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Motolease, LLC
State: OK

Complaint narrative:
We purchased a motorcycle at big boar in Texas for under 14,000. Put down payment down then we never received any information on tag or title. We spoke with a guy about doing a restructuring program named XXXX XXXX On XX/XX/2016. He wanted us to pay XXXX then he would send us details of the new program. That seemed very odd to me. They came and picked up the bike soon after without any notice and we NEVER received anything in the mail from motolease. I have contacted them numerous amounts of times and filed disputes with the credit bureau which they report back negative information every time. They repoed the bike and now are saying we still owe what we would have paid for the bike. If they repoed the bike they need to deduct that amount. I have all the emails that prove all of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This has been a identity theft.

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 2019-03-27 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: MS

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 past due on XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 past due on an account with a {$0.00} balance and {$0.00} past due.

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 2019-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My manger at work texted me and said she had someone call for an employment verification on me today, from a man named XXXX at XXXX XXXX at XXXX. 

Since Ive had identity theft before and worked hard to get my credit in order, I called XXXX XXXX XXXX to see what this was about. 

They informed me that they were hired by XXXX, but wouldnt give me a company name, and just gave me their number to call for details, at XXXX. 

I called the XXXX number and XXXX XXXX company is who the number belongs to. I spoke with XXXX XXXX and this woman said I owed Chace XXXX XXXX XXXX, XXXX XXXX, and that thisbis an attempt to collect a debt. I explained my debts had been paid off over 15 years ago and above that, this is past Virginias Statute of Limitations which is 6 years. XXXX XXXX hired XXXX XXXX XXXX to call my employer. 

She said she could see that these judgements ( which I already paid over 15 years ago before judgements were made ), were expired and they would send them back to XXXX XXXX company, but that she saw two more accounts and needed to transfer me to a manager. 

She transferred me to a supervisor named XXXX ( with a XXXX XXXX ). 
XXXX stated that there was a judgement for me for a XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. These were also paid off aroundXX/XX/XXXXXXXX and the statute of limitations have expired. I should not have any judgements on me. 

I have worked hard to pay off my creditors back then and over 15 years later, multiple calls are being made to my employer. 

I believe this to be harassment, and the statute of limitations for Virginia has expired. 

While I was on the phone with XXXX, I was disconnected, so I called back and talked to XXXX. She big up on me. I called back again, and spoke with a man. He put a cease calling on my account, which is good, but I dont think it was legal for them to hire XXXX XXXX XXXX to call my employer. 

I am up for a promotion, and now this looks very badly on me with the multiple calls. 

Please have them cease and desist. Also, how do I ensure my credit is not ruined because of them?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Earlier this week, I filed a complaint with the CFPB about Chase Bank not allowing me to make a claim regarding fraudulent charges on my account. Yesterday, I happily discovered that the bank had reversed my charges. I was unable, however, to transfer any of my funds. When I called the Bank today, I learned that my account was restricted and was in the process of being closed. No reason was given. I am currently on XXXX and not only do I desperately need these funds for medication ASAP, but I also have my Social Security check being direct deposited on XX/XX/2019 and it is now too late to change that information. Further, I learned that it might take another week to actually close my account and after that occurred, I would be mailed a check. I am obviously being punished for whistleblowing which is illegal. This is causing a major crisis for me!! Please help ASAP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Although my credit report correctly reflects payments made on time for each month within my credit file, Equifax continues to report a negative payment status and negative worst delinquency of 120 days past due for XXXX XXXX XXXX Acct # : # XXXXXXXX. I am not sure if Equifax has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative status and worst delinquency information that continue to be reported by Equifax are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Equifax make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
PayPal credit has not been mailing credit card statements only notified me by e-mail until this month. I paid all my payments on time except the XXXX payment. Once I realized there was an over due payment I paid the account in full. Pay Pal has assessed me with a late fees and interest charges of {$29.00}, {$33.00} and {$40.00} since I paid them in full on XX/XX/XXXX. I called them today and the consumer rep said would waive the last 2 charges if I agreed to pay the {$29.00} for the first late fee and interest charge. I want all the late fees and interest charges credited back to my account because they did not notify me in writing of the payments due.

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 2019-03-27 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: IN

Complaint narrative:
I made my typical monthly payment to XXXX on XX/XX/XXXX only to have it returned to me in XX/XX/XXXX. When I called to find out why they sent me a check for the same amount of XXXX they stated my loan was due to be paid off by XX/XX/XXXX which I was not aware of. 
I asked them how this would impact my credit since I did make the payment and they said it most likely would show delinquent. I ended up wiring the payoff amount immediately after finding out it was due for XXXX on XX/XX/XXXX. I just checked my credit history and it is showing delinquent for not only XX/XX/XXXX but for XXXX too. I have attached screenshots from XXXX to show payments were received and therefore should not be delinquent for both months.

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