vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
I received a phone call from my lender Cornerstone Home Lending and they told me they would no longer accept my payments. Over the past year I have been paying my house payment bi-weekly and have made 26 two week payments. My lender told me I could no longer do that and if I did my payments would be returned to me. The only way they would honor a two week payment was if I signed up for a program they had and that my mortgage payment would have to be direct deposited to Cornerstone. I do not want to do this because it prevents me from having financial flexibility. I feel Cornerstone Home Lending is using predatory strong arming because I am financially responsible. The fact that I will pay my mortgage off early incited them to threaten me to no longer accept my bi-weekly payment. Cornerstones policy regarding partial payments is the following. " The disposition of a partial payment received may depend on a number of factors including but not limited to : the amount of the partial payment, whether your loan is delinquent, the investor of your loan, whether your loan contains an escrow feature, the number of times a partial payment was received within a 12 month period, whether your loan is being or has been modified. For Any of these reasons, a partial payment may be ( XXXX ) returned to you, ( XXXX ) applied to your loan, ( XXXX ) accepted but held in a non-interest bearing unapproved funds until you send us additional funds sufficient to equal a full periodic payment due. '' Over the past twelve months Cornerstone has been accepting my bi-weekly partial payment but now I am being to they are no longer going to honor that payment process. Cornerstone is changing our agreed upon payment process. They have decided to change their decision without me agreeing to it. I see it as I have made 13 house payments in a twelve month period and they have accepted everyone of those payments. They are applying a rule meant for individuals who have a hard time meeting their financial obligation to my situation which is the exact opposite.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am XXXX and my mother used my social security number to get home loans, new cars, credit cards, business loans and WHATEVER she could get. She stole my identity to pay her bills and HAVE nice cars CLOTHING home ECT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have recently been informed that there is negative information reported by XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Legally paid in full for less than the full balance, closed. I am unaware of Legally paid in full for less than the full balance, closed with this company. I contacted this company via certified mail asking for validation of the debt which was not provided to me. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. Please validate this information with XXXX In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I asked a credit card company for copies of my application and they were unable to provide them I presented this to Experian and asked that they remove the inaccurate information or at least request proof from the creditor They stated that they are not required to request proof and they do not require that the creditor submit proof that there word is all they need

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested a copy in writing from Annual Free Credit Report of my credit report ; I received a notice from XXXX and Experian stating they had sent it to me ; I did not receive a report from XXXX or Experian ; ( Note : I did receive my free copy from 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 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I had a student loan XXXX. The loan was placed for collection XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX..and a " paid coll '' XXXX. 

This week when my report was pulled XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 XXXX a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
deal was cancelled car was broke XXXX said it was repossed please remove

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent Experian 3 seperate letters challenging inaccurate information on my credit report. There is an account that is reporting a balance inaccuratly, XXXX XXXX XXXX, and we have attempted to contact this company directly but the address they published on my credit report is inaccurate. Experian claims to have " verified with creditor '' and I believe this to be false. How can Experian verify it when I 'm the proposed Debtor and the company has n't even verified with me. Unbelievable and does n't seem fair. I need help getting Experian to remove the negative balance on an account that should n't be reporting a balance in the first place. This is keeping my family from getting a new home and we are prepared to file a lawsuit against this company. Attached are the supporting documents for our claim. Thank you** Please see the last page on our credit report we have attached, It shows the address listed for XXXX XXXX and also see the returned letter sent to that address**

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Convergent Outsourcing is a third-party debt collection agency who continues to leave a negative reporting item onto my credit reports. I never established a contract with them at all nor have I made any payment to this company at all. A document bill, or any other documents they have from the purchased debt they have does not been prove that I owe nor does it validate the alleged debt. And they are in complete violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC.
State: MS

Complaint narrative:
I took out a loan with Cash CallXXXX XXXX XXXX in the state of Louisiana back in 2012. The interest is so high It was over 100 % and now has gone down to 85 %. I do n't feel I will ever pay it off. Can they legally charge this much interest for such an extended period of time?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian credit reporting has failed to update my credit report in a timely manner of all inaccurate and negative comment account information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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:
Hello i called experian about an issue on my credit report telling them that my father and i have the same name and address and are mistaking me for him.My father and i have the exact same names. Then when they ran my social security number Experian told me XXXX different names popped up under my social security number and couldnt really narrow it down and told me to pound dirt. The account on my report is about XXXX and then they sent a letter taking them to court. The account was open about 15 years ago or more and im barely XXXX. So clearly it isnt possibly for me to even own a credit card. I havent heard anything back from them and its been longer than 30 days. Also wan na complain about how they failed to identify the correct person this debt belongs to cause now im unable to purchase a house for my wife and son.

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 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following incorrect personal information is on my credit report and needs to be deleted. 

Incorrect Names : XXXX ( misspelled ) XXXX ( misspelled ) XXXX ( misspelled ) XXXX ( misspelled ) XXXX ( misspelled ) XXXX ( misspelled ) Incorrect Social Security Numbers : XXXX ( incorrect ) XXXX ( not mine ) Incorrect Addresses : XXXX XXXX, NY 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 2016-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
On XXXX XXXX, 2016 at around XXXX I called national credit systems at XXXX and was transferred to XXXX XXXX. I inquired about settling the debt for {$2000.00}, with the original amount being just under {$3900.00}. XXXX informed that she would have to submit a formal request to the original creditors, XXXX on XXXX, the apartment units I originally owed money to. When I asked about obtaining a copy of this formal request for my records she denied me this request and said I have no right to know what they are sending. I explained to her that as a consumer I felt I did have a right to a copy of this request since it has my name and it is a request for a financial settlement. I was again denied this request later in the day after being transferred to her supervisor, XXXX XXXX. On XXXX I reached out to XXXX XXXX who is XXXX and XXXX 's manager. XXXX also informed me that he is unwilling to provide me with the official request that was being sent to XXXX because it is client privilege and he does not have to release such documents. I asked him he could then provide me with a letter from the company to myself stating that they sent a formal request to XXXX on XXXX inquiring about a possible settlement for my account. He also refused to provide me with this letter. As a consumer, I feel that I am entitled to keep track of what this company is doing regarding my inquiries to settle this debt. Their refusal to provide me with any documentation of their attempts is making me question if they are really taking these actions at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
The original creditor company and its debt collection agency improperly reported negative/derogatory information to the Credit Reporting Agencies without first contacting the debtor about the debt to verify the accuracy and existence of the debt. Despite the debtors ' dispute of the debt existence via their attorney, the original creditor company and its debt collection agency made false and fraudulent statements regarding the debt and its dispute to the Credit Reporting Agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Penn Credit Corporation continually called our home trying to collect a debt we did not owe with a false account number and amount owed. The woman on the phone demanded a credit card to pay off the amount due immediately. I refused to give information over the phone and asked for the creditor and account number for the amount due. I then called the City of XXXX revenue borough to make sure that I did not owe money. Penn Credit had given a false account number and tried to collect over {$4000.00} not owed the city of XXXX. I can only assume this is a scam!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC.
State: OH

Complaint narrative:
I got a loan with XXXXCash call. they take XXXX out the XXXX of the month. I have been paying on this for XXXX plus years. I for sure already paid this off but I cant find where to log in at to check. the numbers I am calling for Cash call ( XXXX ) goes to voicemail. I am beginning to get nervous as I have read on here lawsuits against them. I am an OHIO resident and believe they are still taking money when they should n't be. PLEASE HELP!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I was not advised that the loan that I had submitted an application for was collateralized by a vehicle but a personal loan. Having paid off a loan with this same organization in the past I figured that the same loan offering is what I qualified for. XXXX different people advised me that I was approved for the loan, but then " out of the blue '' I was told that the loan approved was for a secured product. I advised them during the initial conversation that I would not be interested in that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I drafted XXXX debt validation letters to Penn Credit Corporation around XXXX 2016 and XXXX 2016. I was requesting validation for a debt from XXXX that is over 6 years old. They ignored all of my requests for validation and are damaging my credit report. 


Please investigate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
Debt collector onemain contacted my family members and XXXX information regarding debt such as type and exact details without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Global Payments Check Services, Inc.
State: MN

Complaint narrative:
I am a victim of identity theft has never wrote a check anywhere in Illinois, but I have representatives from Global Payments Check Recovery Services , Inc., calling and harassing me about a debt, I do not owe. Someone has stole my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The collection agency and the rep holding my account ( XXXX ) refuse to disclose the verification of the debt. I reached out to the original creditor who confirmed that the information on file is incorrect. When I call, the operator says XXXX is away from his desk and no one else can help me with my account. This has been going on since XX/XX/XXXX. My initial contact was XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Was going through a divorce in XX/XX/2012 and desperately needed cash to secure an attorney for custody of my daughter to prevent my wife from obtaining 100 % custody for no justified reason. Took a {$10000.00} loan from cash call and am paying over {$800.00} per month and balance is still reflecting close to {$1100.00} after paing ontime for over 2 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation