vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-12 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: AL

Complaint narrative:
I have submitted several disputes to Experian concerning items on my credit report. Each time, even after I re dispute it, it comes back within 3-4 days stating the lender certified to them this is accurate. I have even sent in disputes by mail asking for the contract of something where this information is accurate. I believe Experian is not a thoroughly investing my disputes, they are just going off the last dispute and closing them right out. Listed below, are the dates I disputed and also called to discuss these items : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- called Experian to reopen dispute and express my dissatisfaction of how a lender can just say this is accurate, when in my letter I asked for this contract or something in writing confirming this was me.

XX/XX/XXXX, Mailed dispute XX/XX/XXXX XX/XX/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 2018-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello We had a bankruptcy 13 years ago. On our monthly statement, which is never or sometimes mailed out, and all paperwork per Chase Mortgage they still classify us as in a " Discharge status ''. We tried many times to communicate to get this taken off our records. No one at Chase seems to have any knowledge to help us. We supplied paperwork to Chase to rectify this off our mortgage paperwork and their system. We feel that the slanderous and defaming information on our monthly statement is ludicrous. When we call Chase we are still diverted to a prerecord statement that is horrible and heartening to the Chase bankruptcy department. It is revolting at this point that something that has transpired 13 years ago. Still to this day we don't receive timely monthly statements. We pay on time and Chase does cash the checks very promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation
State: NV

Complaint narrative:
I received a letter from XXXX and telecheck/XXXX XXXX XXXX I was cashing checks from a bank that I do not bank with which is called XXXX XXXX  tried to call XXXX XXXX I wouldn't help me told me that account wasn't on my name or is not existed I promptly send telecheck/XXXX XXXX XXXX a fax of my police report and I called XXXX received a second letter and the information in their system was accurate I will send a police report on XXXX that fix the problem ... but please if you can also assist me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation
State: NV

Complaint narrative:
I received a letter from XXXX and telecheck/XXXX XXXX XXXX I was cashing checks from a bank that I do not bank with which is called XXXX XXXX  tried to XXXX XXXX XXXX I wouldn't help me told me that account wasn't on my name or is not existed I promptly send telecheck/XXXX XXXX service a fax of my police report and I called XXXX received a second letter and the information in their system was accurate I will send a police report on XXXX that fix the problem ... but please if you can also assist 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
Consumer complaint received 2018-08-12 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: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
I receive a letter that I was cashing check from XXXX in California which was not me through Certegy and I already file a police report would like to forward it to them I will attach my ftc and my local police report on this complaint

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 2018-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
gm financial is sending wrong Information to the credit bureaus they promised the fix it. Now o was denied a loan bcof. This false info. Pay my bills and on time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Each month they report only the high balance not the truth that I pay each month most of the balance it caused a denial in a mortage for 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
Consumer complaint received 2018-08-12 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: FL

Complaint narrative:
Each month they report only the high balance not the truth that I pay each month most of the balance it caused a denial in a mortage for 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
Consumer complaint received 2018-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
Since my first written complaint to Loancare LLC regarding their lack of ability to lawfully service my loan, the disturbing Phone Call where I attempted to make a payment but was denied the ability to do so and subsequently had my contact information, without my consent updated to XXXX. In which I complained that I DO NOT get my statements, Loancare LLC has seemingly once again violated the regulatory period, willfully ; and in an ongoing abusive manner in which true emotional trauma has been caused, in addition to catastrophic financial damage due to ongoing violation and harassment.

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 2018-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to let XXXX XXXX to damage my credit with a debt that has been cleared. I have repeatedly ( more than 8 times ) through the CPFB and others, sent Equifax copies of the paid invoice with a XXXX  balance. They continue to falsely carry it on my record with them. They are the only CRA doing so, all others have removed the claim. Now they also want me to fax them copies of my drivers lic. and social security. I will not. They lose to much info on their clients by not properly protecting this same info they want from me. They know I'm me, why else would I keep after them to get this right?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I requested Wells Fargo to remove my PMI since I have reached the 78 % LTV the homeowner protection act says is required or automatic termination. They have acknowledged I have met that but say since I have one late payment they can not remove it until next XX/XX/XXXX. Under the HPA it doesnt say you can not have a late payment. This requirement is also not in my closing documents either. Also they have sent me two letters that does not even mention this requirement.

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 2018-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Walmart Master Card Interest Rate : I called Walmart MC XX/XX/2018 about my interest rate amount {$63.00} on my statement that was very high its was 24 % ... I asks if it could be lower being I'm was paying {$140.00} to try to paid it off due to a car repairs - the representative said in so many words no that is what I signed up for. ( what I'm guilty of is not doing my homework on XXXX XXXX XXXX before I put those car expense on it, but at the time my XXXX XXXX Credit Card that I use for car repairs was no longer allow to be use at the XXXX XXXX XXXX because they had been informed that the bank on that card was under investigation for fraud, I don't know if that's true, just need my car back. So, I put the charge on the XXXX XXXX. The first month XX/XX/2018 I paid XXXX. I didn't check the interest rate then, but I did noticed it in XX/XX/2018, which is why I called them. I didn't make a stink when the representative say no, all I said I'll have to do some changes and thank her for her time. Now, I applied for a credit card that had zero APR for 14 months, cool I said to myself I can get that paid off in that time frame. In the middle of the transfer to the new card- I noticed that I wasn't going to have it complete before the due date of the next payment to Walmart MC . I said I eat the XXXX interest in XX/XX/2018 and told myself to check those interest rate more closely. But to my surprise Walmart MC interest rate went up to 24.40 % making the Interest charge now XXXX wow what is going on? I didn't call them just to let you know, I didn't think the would doing anything anyway ... I've started to read online all the complains online from consumers, if half of what I read is true, someone should do something about this and hints me writing this, I really don't think this will amount to anything but at least I got this on paper what happened to me. I hope that someone will read this and not apply for a Walmart MC. I've had learned a hard lesson. I do have my XX/XX/2018 statement but do not have the means to scan it in. I'm sure Walmart MC has all the documentation. I could go online and download the statements from there web site, but lets see what Walmart MC has to say ...?

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 2018-08-12 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
They keep reporting me late for XXXX of 2016. Account is paid in full and closed. I was never late. This lowered my score and I'm unable to get employment because I have poor credit. 
They need to provide me with proof for that year and month that was late supposedly and they need to remove lateness so I can get a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America placed an inquiry on my XXXX credit file dated On XX/XX/2018 without a " permissible purpose and this needs to be removed

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 2018-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc.
State: UT

Complaint narrative:
Withdrawal money joint account ( Husband and I ) from XXXX XXXX XXXX XXXX {$7000.00} ( lost receipt around this figure ) I believe that happen in XX/XX/2018 at XXXX XXXX XXXX XXXX, UT XXXX. I showed up with my identity photo id that they required.i cant speak XXXX very well, i cant drive, i  was staying brother house with my XXXX kids as guest because i don't have a place to live.all of sudden my brother received a letter from N.A.R. inc.for collection .XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX that i owed money {$1500.00} from XXXX XXXX XXXX XXXX which i never aware of that. 
1. I never take a loan from them 2. they done something mistake they are trying to collects from me.

3. they giving hassle my brother sending those kind of letter and my information which they are not supposed to.

4. i never owe money from them i withdrawal money from our joint account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Debt collection notices were placed on my credit report on XX/XX/18, XX/XX/18 and XX/XX/18 by Diversified Consultants for an unpaid balance to XXXX for {$1100.00}. 

This debt is not mine and a likely result of identify theft. I had requested Diversified Consultants to verify this debt via certified mail on XX/XX/18 ( Tracking # XXXX, delivered on XX/XX/18 ) but they have not responded to date, continue to harass me via phone and entered a new collection notice on my credit report on XX/XX/18. I have opened investigations with all CRAs that list this collection notice - they are investigating the debt/account info. 

Diversified Consultants is in breach of FDCPA - they have not verified this debt despite receiving a written request from me, continue to harass me via phone and continue to report/issue new notices to the CRAs.

My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
This collection i'm asking you to remove from my account that is {$1300.00} from DIVERSIFIED CONSULTANTS that has been re opened 2 months ago when i want this removed from collections my credit is already bad i dont need it any worse im asking to please remove this from my collections account im trying to apply for a credit card with all these collections and hard inquiries.i cant go no where with out these things gone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX placed an inquiry on my Experian credit file dated On XX/XX/2018 without a " permissible purpose and this needs to be removed

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 2018-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I received in XX/XX/XXXX a letter from Ocwen claiming {$1000.00} for past mortgage payments and threatening with foreclosure. They don't specify which payments were missed nor provided any dates whatsoever. Attached please find documentation of the latest payments made to Ocwen as well as their regular statements in the amount of {$210.00}. 

Ocwen is notorious for their substandard accounting processes. 

In the past Ocwen claimed amounts that were not due and and resulted in a refund to me for consecutive over-payments. This process took about a year, they unnecessary reported me to the major credit agencies and affected my credit rating. Finally they had the rectified and send a request to agencies to have reporting removed. This was XX/XX/XXXX. Confirmation # XXXX. Letter attached. 

Ever since I have been receiving statements requesting the regular payment of XXXX, but the last payment submitted in XXXX for the month of XXXX was returned and a letter asking for XXXX ( the equivalent to 5 months payment ) was received on XX/XX/XXXX. 
Letter attached. 
We have never missed a payment nor being late ever since it was open in XXXX. I have some health issues and this is contributing to its worsening. 
They are threatening with foreclosure and of course damaging my credit again ... I can't keep on being the object of the malfunctioning of this company again. 
They are not communicating in an effective way, just doing on their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SLM CORPORATION
State: PA

Complaint narrative:
I was a college XXXX at the time trying to get back in college and i tried to apply for loans that i did not know i had knowledge about back in XX/XX/2017 on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. from XXXX XXXX XXXX. i did not know i was going to get a hard inquiry on my credit and i want the hard inquires removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one inquires dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I remember on but others no

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the second time I am reporting and issue with how Equifax is handling a dispute on my credit report. I previously reported this same issue in XX/XX/XXXX. After reporting to CFPB the fraudulent collect was removed from my report. Equifax has listed the same collection on my report as of XX/XX/XXXX and will not remove. 

The fraudulent collection is from XXXX XXXX, they are attempting to collect a balance from my past account with XXXX for {$370.00}. The amount they are trying to collect is for phones that were allegedly not returned to XXXX at the ned of my contact. Collections began by XXXX and this company in XXXX and I have provided proof of return on multiple occasions. The proof of the return phone is a receipt from the XXXX store where the phone were initially purchased and returned. XXXX and the collections agency are saying the phone did not reach and internal warehouse and I would need to return to the store to track further. My responsibility was to return to XXXX, which was done at one of their corporate locations. The receipt from their corporate store listing both phones returned was provided to XXXX, XXXX XXXX and Equifax and prove beyond doubt that the phone were returned. 

This is fraudulent collections plain an simple. Equifax removed this dispute after CFPB intervened in XX/XX/XXXX. Equifax has decided to allow reporting a second time which is fraudulent on their part as they have previously acknowledge the debt not to be valid. There should be ramifications and penalty to Equifax for not maintaining a standard of protection for consumers. Participating and encouraging fraudulent reporting should carry penalties for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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:
On or around XX/XX/XXXX, I requested Experian 's method of verification in regard to a specific collection account, XXXX XXXX, that is on my credit file to no avail. Instead, I received a form letter response. To date, Experian has not provided me with any information they utilized to determine that the information XXXX XXXX provided was accurate. Again, on or around XX/XX/XXXX, I disputed the XXXX XXXX with Experian to no avail. Experian has failed to comply with 610 ( 1681h ], clearly and accurately disclose the requested information 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 non-monetary relief