vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have written three separate letters disputing all the items on my Experian Report. Erroneous items however still remain. I was also insulted over the phone by a representative on XX/XX/XXXX by laughing I assume at my score but I was assured it was my accent regardless I do n't call in to be mocked over others errors. 

The following account needs to be removed immediately : Creditor Name : XXXX Account Number : XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 

The following account needs to be removed immediately : Creditor Name : XXXX Account Number : XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 

The following inquiry needs to be removed immediately as it was never authorized : Creditor Name : XXXX [ XX/XX/XXXX ] I would like to be provided proof as per FCRA Sec. 605, 609, and 623. 

Thank you for your time and help in this matter.

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 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: One Source Technology
State: CA

Complaint narrative:
it sais i have a drivin g on suspended license ticket within 5 years of being suspended for a dui ive never hade a dui in my life nor been convicted of one ive never been pulled over for drinking ever

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 2017-03-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
A charge appeared on CapitalOne credit card that I did not make. Received email from CapitalOne asking if it was valid. I told them it was not. They told me to get the merchant to get it removed. When merchant did not, CapitalOne told me to prove it was not mine. I did so. Then CapitalOne sent me a letter telling me to " get a second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected and what that will cost. '' If I did not send that to CapitalOne along with many other requests already provided, the case would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In XXXX, without notice, XXXX force closed XXXX of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on XXXX of them. 

Fast forward today, I noticed a derogatory mark on my XXXX report. I called into XXXX today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

XXXX offered to submit a form to expunge this record from my XXXX report, but stated that because it was in collections, I could not pay off the {$25.00} to XXXX but instead needed to go through XXXX to find the collection agency and pay off the balance there. I called XXXX to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. XXXX claimed that the balance was not in collections. 

Lo and behold, XXXX also failed to notify me that they reported the " delinquency '' to Experian as well. Now I am not sure if they reported it to XXXX or any other agencies. After spending an hour with Experian to dispute the mark, I found it ridiculous that I had to clean up XXXX 's mess. This should be XXXX 's responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and XXXX is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set XXXX straight.

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 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Failure to provide physical proof of verification I share the exact same name as my aunt. That account number for XXXX # XXXX does not belong to me and I asked several times that it be removed from my credit report. Experian has failed to comply with the law. I have send several letters and under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified.

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 2017-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I completed a bill pay payment on XX/XX/2017 XXXX PNC to XXXX. I was advised by PNC on XX/XX/XXXX that XXXX ( the company that processes PNC 's bill pay changed the billing address and sent it to XXXX, who cashed the check, although the payee was XXXX. Dispute reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 'm filing a formal complaint against ALL XXXX credit bureaus. I have been disputing this account since last year. According to the credit bureau it 's coming back verified which is not true. This account is not and never was mine. This company till this day has not been able to verify anything. I have never received paperwork or anything to verify this account. Per FCRA laws, if a company can not properly verify an account and provide paperwork as such. It is to be removed immediately. They have nothing to provide because they have nothing. It is against the law to add or report debt to a person if the account does not belong to them. This company was only able to obtain my email and number due to a BBB complaint. Even after that, they still could not provide me documentation of any kind, not even a address, call log, payment history, NOTHING. This is against the law and this account is still being reported as such debt that do not belong to me. I have hired an attorney to prepare paperwork and pursue legal action to these credit bureaus for the improper verification of an account that do not belong to me. I 'm beginning to thing the credit bureaus is working with some of these companies. XXXX is not providing NOTHING not even a certified mail. FCRA laws have been broken. I will continue to pursue until this is gone. This is my credit and I will have it corrected. This is my credit worthiness that affects my life. I am also filimg a formal complaint with the state. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT

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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The US Bankruptcy court is reporting a Bankruptcy with my name. The US Bankruptcy Court told me that they do not verify or report this information to the Credit Bureaus. That information was pulled by a Third Party and they reported. After disputing directly to Experian to remove this from my report they stated that is was verified by the US Bankruptcy court and that is a blatant Lie. Therefore the Bankruptcy must be removed immediately from my Credit Report with Experian.

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 2017-03-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
We live in a FEMA declared federal disaster area in Louisiana ( Flood ). Was told by Ocwen, the company that holds our mortgage, that we could enter into a loan modification program set up for everyone effected by this disaster to help them get back on their feet. The plan was we did not have to pay our monthly mortgage for 6 months, and that the amount would be added to the end of our loan. We asked if this would affect our credit in anyway, and were told no it would not, so we agreed to the plan. Fast forward ... went to buy a new car and found out Ocwen reported each month as late/not paid! Contacted them via phone and was told they did not report anything negative on our credit, even as we looked at the credit report printed by the car dealership and read it to them to prove otherwise. Furthermore, today we went to our bank XXXX to see if they could help us by taking over this load and we deal with them, they said yes, until they pulled the credit and found out Ocwen 's reporting took our good credit of XXXX and dropped it to XXXX!!!! So, this company that was willing to help their customers in the flood disaster, then turns around and screws us! We have spoken with them several times over the past two weeks, each person has something different to say/lie about, and none of them are on the same page with information. Also, they lied about adding the payments to the end of the loan, and now expect us to pay a double note each month for the next 6 months of {$2000.00}!!!!! AND will continue to report to the credit bureaus each month as delinquent!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked Experian to investigate the listed accounts on XX/XX/XXXX, my request was granted they immediately started to investigate all accounts listed. Two months passed before I received a update. On XX/XX/XXXX I received my updated credit report stating that XXXX out the XXXX accounts in question we 're deleted. I have uploaded the original request that started the investigation and the updated credit report. I called Experian a few days later because I had a few questions about my credit report and that 's when I was informed that the reason the accounts we 're deleted was because the creditors did not reply in a timely fashion. On that same call I was also informed that on XX/XX/XXXX the XXXX deleted accounts we 're added back because the creditors wrote requesting the accounts added back, even after the allowed time by law had passed. I think Experian broke the FCRA. Please advise.

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 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
these liens where cancelled what is the same as with drawn if the credit bureaus now report withdrawn / cancelled they need to show that they are showing released what is incorrect reporting the report should show withdrawn/cancelled and should be removed from my credit report immediately Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00}

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 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are XXXX accounts on my credit report which TransUnion is improperly reporting The first is a XXXX account which was good and in solid standing, Transunion somehow merged my credit report with another XXXX. 
This XXXX filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. Because TransUnion added this bankruptcy to my credit report, creditors of mine began closing accounts including XXXX XXXX. I have attached all my statements from XX/XX/XXXX and XX/XX/XXXX PROVING that my account was used and in proper standing. I DID NOT file a CHapter XXXX Bankruptcy. There is no way that if I filed a bankruptcy in XX/XX/XXXX, dismissed in XX/XX/XXXX, I could have continued to use my credit card throughout and up until XX/XX/XXXX. 
Additionally, TransUnion REFUSES to verify payment information with a former creditor XXXX. This creditor insists that they are reporting my account correctly, but refuses to verify the payment details and payment history. This account was NOT included in a Chapter XXXX bankruptcy either and in fact the first derogatory mark occurred in XX/XX/XXXX. The account should have been deleted from my credit report in XX/XX/XXXX. TransUnion continues to report this negative information on my credit report. I have requested the original payment history from the vendor and the credit bureau and they will not respond. They just keep sending me a transcript of " updated '' when in fact nothing has been verified or updated.

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 2017-02-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
NCC Business Services ( FL ) is trying to ruin my credit by stating I owe them {$550.00} for an apartment I never moved into. This debt has been reported on my report for 3 years now. I took a job in XXXX XXXX, Texas and went around looking for an apartment to live in. Found one I was interested in. Put down a deposit however, I never moved. I got transferred. Did n't get my deposit back which I already expected to happen. However, 3 years later I 'm looking at my report and there is collections on there from NCC. I contacted the apartments ( XXXX XXXX in XXXX XXXX, Texas ) and they have already changed owners. The manager told me she could n't settle the amount because I never lived there. She had nothing to tie the money to. She told me to contact the collection agency. I 've gone through XXXX to try to get it disputed. They told me the debt is valid. How can it be valid if I NEVER lived there. I 'm very confused and need help getting this resolved.

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 2017-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I fell behind on my mortgage in XXXX due to a temporary loss of income. I started the loan modification process with my lender in XXXX and to date, I am in the process of requesting another loan modification due to previous denials. In this process, I 've always been informed by my personal account specialist named XXXX that as long as the loan modification is under review it would prevent or place a hold on any foreclosure proceedings. I submitted my monthly loan mod in late XXXX, again being advised that the review would avoid foreclosure, and lo and behold, I was served with a foreclosure summons in on XXXX while my loan mod was in review. I 've continued to file loan mods since the foreclosure summons for the months of XXXX and XXXX. My most recent denial was on XXXX, in which I still have yet to receive a denial letter, but last week I received a letter from loss mitigation indicating that an Forbearance mod might be available and as of yesterday, I now have a XXXX sale date on my home. My intention in to stay in my home where I 've built a life in with my husband and family. I 've missed the foreclosure case status date on XXXX due to my loan mod app still being in review, and again the foreclosure process would cease while my loan mod is in review. XXXX from Ditech contact me on XXXX to update me on the loan mod status, in which it was still in review and no decision was made as of yet, which is why I did n't attend the status call, only now to find out that the loan mod was denied after I spoke with the agent. I feel that Ditech has dropped the ball on many accounts during this stressful period and is now leaving me resulting to staying persistent with them hoping to inundate them with modification applications and possibly hiring an attorney to fight this battle.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX sent a letter to Equifax disputing a bankruptcy that is listed in my credit file requesting validation that it belongs to me. 
XX/XX/XXXX received a letter from Equifax stating that they " verified '' that the bankruptcy belongs to me but did not provide proof used to validate that it belonged to me. 
XX/XX/XXXX sent a letter to the US Bankruptcy Court requesting confirmation of what their procedure is for verifying records to credit reporting agencies. 
XX/XX/XXXX received letter from the the US Bankruptcy Court stating that the Clerk 's Office does not report information to credit agencies. 
Equifax found this information on third party research and did not get the information they are reporting from the courts as they do not verify information. Therefore the bankruptcy must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
This item is being reported as 30 days late in XX/XX/XXXX when payments have never been late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Porsche Financial Services, Inc.
State: FL

Complaint narrative:
The Employer of XXXX XXXX pays all Creditor monthly payments as part of the employee agreement for salary ; disclosed to Porsche Financial as the income received to comply with the financial commitment for payment. In XXXX the office clerks paid two monthly payments from the wrong checking account and both payments were paid to the Creditor when the Bank advised that each payment was not funded to be paid. 
After the XXXX incidents the office clerks could no longer make a payment on the website, or by phone to the Creditor. The office clerks offered to send 5 monthly payments total of {$10000.00} ( pay in advance to XXXX XXXX ) by a Money Order or Cashiers Check by Overnight Mail and the Creditor refused to accept any payment on XXXX XXXX. Since every month that the office has tried to make payments all attempts have been refused and the Creditor wants the car back. I have the money to pay and I do n't want to damage my Credit by not honoring a financial commitment, I have not lost my job nor have I had a family tragedy preventing me from paying. Now the creditor does not want me to pay the amount due til the Lease Contract that ends XXXX XXXX, they want me to pay the total value of the car {$130000.00} plus about {$6000.00} for Attorney 's fees when I wanted and offered to pay they did n't need an Attorney who has claimed that I wanted to sell the car to an innocent person, the car was abused. I had to take the car to the Dealership and it was inspected and recognized that it was kept in a garage, clean, under the annual mileage of XXXX miles. The car has XXXX miles to date. 
The car is an investment for me I planned to purchase the car at the end of the Lease it is a Limited Edition of Porsche, it is a Targa XXXX. This is a rare model, I drive occasionally only. Please help me I want to pay all monthly payments that I owe to have my account current and they will not accept my monthly payments. monthly payments to pay to bring account to current status is from XXXX XXXX to XXXX XXXX is {$18000.00}. 
Please help me with the car and my credit. 
Thank you- XXXX

Company response to consumer: Closed with explanation