vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/2011. I have never been to XXXX County. 

Regards, XXXX 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 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Identity theft accounts/ XXXX, XXXX, XXXX, XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2017-04-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I have a lemon car, went to arbitration and won a replacement car. I have told my bank several times about this issue before I went to arbitration. Ally financial is my finance. I get the run around refusal to talk to a manager, each time they claim they ca n't hear me, my phone is breaking up, no manager or the people I need to talk to is available. The dealership sat on hold for over 2 hours with them yesterday, and I sat for over an hour. They wo n't tell me what my original loan amount was and refusal to give any information about my account. A person by the name of XXXX refused to give me any information about my account saying she could n't. My dealership tried to find out what they would finance my replacement on money wise and they would n't tell them.

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 2017-02-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Coastal Credit, LLC
State: PA

Complaint narrative:
My car payment is 13 days late. I understand this is not " acceptable '' but I have never fully missed a payment and have paid over XXXX on a XXXX loan. XXXX XXXX, from Coastal Credit has the audacity to stalk me on my XXXX and has also contacted friends off of my XXXX that are not listed as references on my account and have no relation to me. I find this completely to be an invasion of privacy. I am filing this report in hopes of putting a stop to the harassment. When I called him to confront him of his actions he was rude and ignorant. The call was on a recorded line and although I lost my " cool '' after being verbally abused, his actions as a man of business are unjust and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My mortgage company is Ocwen Loan Servicing LLC . I originally took a mortgage for a 10 year interest only and this loan was to turn into a 30 year fully amortizing loan on XX/XX/2015. Ocwen never adjusted the loan to a fully amortizing and 6 months later sent a mortgage coupon to me with additional fees and penalties after I had already sent my interest only payment. I requested that they research this and they did. They sent a letter apologizing for their error and stated that there would be no late fees or negative credit reporting. One year late after making XXXX consecutive, on time mortgage payment I receive another payment coupon from Ocwen stating that I now owe {$6700.00} as Fees/Other Charges. This is not how consumers should be treated. There is something seriously wrong with Ocwen and I am hoping you can help. Please elp, I am desperate at this point.

Company response to consumer: Closed
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I 've recently contacted the merchant in regards to the travel voucher that I 've purchased in XX/XX/2015 via my Credit Card. I was informed that the purchase was charged back and the voucher is invalid, the merchant advised me to contact my bank to clarify the situation. I 've contacted my bank for further information, I recall initiating a dispute it was never completed as I never received the credit back so I thought that the travel voucher remained valid since then. I 've been contacting back and forth between the merchant and my bank since then trying to resolve the issue. Finally, the merchant provided a document that is to approve the charge back. I 've forwarded it to my bank hoping that they will provide me a resolution ; however, they continuously advising me the information that I already know. 
1. The credit did n't credit to the account 2 years ago 2. this charge back pass the time range to initiate the dispute as it 's 2 years ago I 've been trying to contact my bank further for the explanation on why my bank did n't complete the dispute when the merchant already authorized / approve the charge back. The merchant had already expressed that they ca n't assist me any further after providing me the related document and advised me that the money is no longer in their account. 

I do n't know what else I can do in order to resolve the issue anymore as my bank only advises me that the credit never arrived to my account ( which i knew by basically reading the statement ) and the transaction was long time ago ( which i knew as well so that I raised the dispute 2 years ago ) yet my bank never advised me of the rationale of the incompletion of the dispute i raised 2 years while the merchant agreed to charge back. 

Now I have paid XXXX USD and I do n't get to have my vacation ; neither my bank nor the merchant was able to assist me further

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
Hello. The problem I 'm experiencing is with Central Financial Control d.b.a. Syndicated Office Systems. I contacted C.F.C. and paid the debts that they showed ; however, XXXX is showing debts that S.O.S. has and they have not contacted me ; I 've called the phone number they have on available websites and they did not have those debts listed in their records for me to pay. I have no doubt that these are my debts, but I can not make a payment to/pay off a debt that I no one will give me any way to do so. I have noticed that there a quite a lot of people making complaints that they are having the same problem. I WANT to pay these debts! I want them removed from my credit report! But I can not do so if I have no way of contacting them. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 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 've initiated several disputes with Experian over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. First credit keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? and there is a loan fro XXXX? No clue even after calling their fraud department. I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just XXXX of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing me and my husband today.

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 2017-02-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
The installment loan with Ditech Financial was managed for status and paid monthly, via telephone. The representatives communicated the account was in good standing, with no issues ( late payments, or other problems ). The loan was paid in full in compliance to the Ditech process and confirmed approved with letter documenting account paid in full and closed. However, in checking my credit bureau reports, I discovered Ditech reported to XXXX a 60 day late payment status. I submitted an online dispute for investigation and correction. XXXX provided case dispute investigation results, received from Ditech, reporting the account was paid in full, never late, and closed. I contacted Ditech to confirm and was informed the credit bureau reports would be updated for correction. As a follow-up, only XXXX was updated with correct reporting, and XXXX and XXXX XXXX were not updated, and credit score dropped XXXX points. I contacted Ditech, and was informed their reporting would reflect 60 days late. Ditech does not remember responding to the dispute case, so I faxed the case dispute investigation report for their review and comment. Currently, my credit reports are still not updated for paid as agreed, not late. This situation is confusing and I am dissatisfied with Ditech 's denial of the investigation and refusal to correct my credit reports. This is very unfair to me as a consumer, who followed Ditech 's policy in managing my account, monthly, and paid account in full for closure.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc.
State: SC

Complaint narrative:
I purchased a {$500.00} prepaid XXXX gift card. I used that gift card to pay part of the cost of XXXX computers from XXXX. I subsequently returned the computers to XXXX as it I was able to find some better computers at a good price from another merchant. When XXXX processed the refund for my computer, they applied the entire refund to the {$500.00} gift card, which was {$980.00}. Upon doing that, the gift card company blocked the card so that I can not access the money. I immediately contacted them and was told to send in a receipt from staples showing that I had returned the computer and they would unblock the card in XXXX to XXXX business days. I immediately sent the receipt to the gift card company. This was on XX/XX/XXXX. The gift card is still blocked as of today ; XX/XX/XXXX. I have repeatedly called the gift card company and they now refuse to give me a time frame for when or if they are going to unblock my card. I feel it is not acceptable for this company to withhold {$980.00} of my money from me for such a long time for no apparent reason. Furthermore, I told them I wanted to send a letter of dispute to their company so that I could later file for arbitration, as per their terms, they have 30 days to respond to a dispute. They told me I am not allowed to send in a dispute since my card issue has not been resolved. By that logic, they could keep my money locked away for 20 years! Please help me hold this company accountable for their actions and give me my hard earned money back! I need that money to pay bills for my family. This company also told me they would not be paying me any interest for the money they are with holding from me against my will. 

The Gift card number is : XXXX I have attached a copy of the return receipt from XXXX. You can see where the refund was processed back to this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
Capital One has again contacted our Landlord trying to collect a debt. We have already filled a complaint and they said that they would no longer be doing this, and yet it has happened again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My husband lost his bank card and didnt know it. Navy Federal sent my him a text in regards to a {$8.00} purchase and that was it. Once we were able to check our account there had been XXXX transactions conducted with his card and a pin number over the course of 3 days. This an account that my husband and I solely have for the purpose of us saving money. This is the only joint account we have and do n't use it on a daily basis at all. The XXXX transactions consisted of XXXX checks being written to my husband and deposited into our account. Of course it later came back that the checks were not legit. So at this time Navy Federal is saying that my husband and I are responsible for the estimated {$2000.00} overdrafts in our checking and savings account. Due to the fact that the transactions were done by a pin number they are basically saying that they have done their investigation and we are liable. The fact that checks were not signed by my husband, location of the transactions and the irregular amount of transactions conducted in such a short time frame was not taking under consideration. So almost every Navy Federal calls myself or my husband seeking payment for these fraudulent actives that has occurred to our bank account. I honestly believe that it maybe a Navy Federal employee who did this due to the fact that fake Navy Federal checks were used and that they had some way of getting my husbands pin number or even able to manipulate the system in to believe its my husbands pin. My husband did not write his pin number down or give it to anybody. He uses the same pin number for all of his accounts so there is no need to write it down which Navy Federal is assuming happened or that he gave it to someone. I his wife is the only other person who knows this pin number. So needless to say DO NOT TRUST NAVY FEDERAL WITH YOUR MONEY!!!! They have done absolutely nothing to help me resolve this issue but give me the run around and play games. I get new and different answers every time I call and they refuse to let me speak to a supervisor, investigator, or security personnel to help me understand how they came up with the conclusion in which they did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In XX/XX/XXXX I got a secured credit card from Wells Fargo with a deposit of {$4000.00}. I was told that this secured credit card would be turned into an unsecured credit period if after a year I had maintained the card in good standing. I subsequently got another secured credit card from XXXX under the same terms. One year later XXXX returned my deposit and upgraded my account to unsecured, but after 16 months, Wells Fargo refuses to upgrade my card and return my deposit. When I questioned the reason for the refusal, they say that my credit report does not meet the standards to upgrade the card, yet they wo n't tell me what exactly is required in order to upgrade - just that my account is unsatisfactory. When I escalated the grievance I spoke with XXXX, ID # XXXX with Wells Fargo Credit Card Executive office, he told me that he shared the guidelines with me and that 's why they could n't upgrade the card, but he did NOT share the guidelines, he refused to tell me what it was that was preventing the card from being upgraded, he only stated that it was unsatisfactory. I have no way to get this deposit back other than close the account, which will adversely affect my credit score. Wells Fargo will not tell me why they wo n't give my deposit back, but XXXX did without even asking for it. I have no recourse - I am at the mercy of Wells Fargo deciding that someday my credit might be good enough to have the deposit returned and the card upgraded to an unsecured card. Customers have no recourse and they refuse to tell me what the requirements are. What can I do to get them to return the deposit and upgrade the card, or at least tell me exactly what on my credit report is preventing this.

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 2017-02-14 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
Between XXXX and XXXX on XX/XX/2017 I have received 6 calls on my cell phone, 6 calls on my house phone, 2 or 3 to my husbands cell phone and one to my work phone that I know of. ( This is everyday, just not my work phone ) My work phone is the last straw. I am one payment behind. Onemain Financial XXXX. They will call me from this number, my local branch and other branch numbers, or a XXXX number. They only leave a massage once or twice on each line a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I ordered a copy of my credit report from Experian and was billed {$1.00}. Unbeknownst to me that enrolled me in some sort of membership. I successfully canceled the service going forward. However, getting a refund was another story. The money came out of my account on XX/XX/XXXX and I called on XX/XX/XXXX. They refused to issue a refund and put me on hold for over 20 minutes and refused to refund the money.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The Credit Bureaus were reporting a bankruptcy, but the courts do not verify a bankruptcy, the courts told me they do not verify that information. Therefore, that information was pulled out from a third-party reporting agency, therefore I demanded it must be all deleted because the court say they do not verify. And I would appreciate once its deleted I want proof that 's it 's been deleted. Thank you for and XXXX bless.

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: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian did not require XXXX to provide any proof that XXXX notified me the consumer about a debt they claim I owed. I complained to Experian that I had no knowledge of the debt. I had knowledge of the account but no knowledge of the amount owed on the account due to I was not informed of the debt.

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 2017-03-04 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 am disputing information on my Experian Credit Report. Experian has sent letters in the past claiming that my dispute was frivolous and they would not reinvestigate any items that are incorrect as they have supposedly verified them as correct. I have asked for verifiable proof of what Experian has claimed is incorrect in my credit report and they have failed and said this does not apply to them. Their inability to provide any proof makes me believe they are not actually verifying any information and just claiming that information on my credit report is correct. I have mailed letters dated XX/XX/2017 to them concerning this. The letter is attached to this email that I have mailed to them.

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 2017-03-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i was under review with bank of america loan modification and was never informed of my house going to sale until XX/XX/XXXX when i got and eviction notice when to court and file and answer to the unlawful detainer nd bank of america forclouser law firm contact me saying the case was dismiss no further action was taken in their behalf i was never informed or any other option till this day I 'm still living in the house and still bank of america keep going me hopes of resolving my issued and also i know that they resold the house when again because i got an eviction notice

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