vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a public records on my credit report with XXXX stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong 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 explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
There is a public records on my credit report with XXXX stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX XXXX is taking me to court over a supposed credit card debt that, I do n't recall signing for. I have sent three letters to XXXX XXXX asking to show proof bearing my signature of a such loan with their company with not response. Next I sent another letter asking them to show proof of my signature on anything agreeing to open an account with them with no results. Now I am being taken to court with no discovery of such debt nor information of such a debt paid for by them or bought with an act of sale with care credit. Not sure how they are authorized because in the disclosure it states the binding agreement is with Care credit, I have disputed this bill and the amount. XXXX XXXX is not a bank or credit lender and not authorized to file such a suit from the state of Delaware. The company or attorney 's are in XXXX XXXX an not authorized to practice law for the state of Delaware. I want all actions of lawsuit to cease and stop. I want to file suit against XXXX XXXX for false discovery an not providing proper sale of such said item not bearing my signature of any money owed to them what so ever the attorney 's office is XXXX XXXX XXXX XXXX XXXX. Or XXXX, XXXX XXXX XXXX. XXXX XXXX Louisiana, non licensed to practice for the state of Delaware. Telephone number 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 2017-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Filed complaints about XXXX equifax and XXXX all 3 were asking for proof of who i am so i finaly sent all 3 a copy of my state id proof of address by social security mail from social security i happy to say XXXX finaly sent me my credit report but equifax an XXXX are still asking for more proof and refusing to send me what they have on my reports what i sent i sent to all 3 credit companies it was good enough for XXXX why not the other two agencies?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi I am a victim of identity theift since XXXX I am XXXX and so is my XXXX son so it 's very hard for me to keep fighting this but I believe in XXXX so I 'm am not gon na give up. A few years ago my identity as well as my sons was stolen at first I thought it was my ex husband who did it because he was XXXX out of the country for identity theift but he 's been gone XXXX now and it 's still happening. First I started getting mail stating that I applied for credit when I did n't and then the calls started causing me to go into a deep XXXX. Then my son was having medical problem do to the environmental surroundings so I had no choice but to move then I applied for an apartment only to find out that I got denied. I thought how could that be so I ordered my credit report and got the shock of my life someone had destroyed my name completely there were XXXX credit inquires in 2 yrs and 5 delinquent accounts that did not belong to me how could this be. So now I am stuck in a home where my son can not XXXX  properly because someone destroyed my name. My son is my life and I need to moved but these credit agencies are reporting false information I started contacting them since XXXX and have explained my story. My son is XXXX and he is having all kinds of medical issues do to this as well as myself. I myself am currently extremely XXXX because someone has taken over my life. I am begging you to make these agencies remove these items I have given them police reports and everything but they refuse to remove these fraudulent items that do n't belong to me. All the delinquency accounts are not mine as well as the credit inquires I requested that no credit even be considered unless they call my cellphone to verify. Please make these people remove these items so that I can move my XXXX child somewhere he can XXXX and be comfortable I thank you for taking the time to read this. I truly believe in XXXX and that somehow the true will be seen.

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 2017-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi I am a victim of identity theift since 2012 I am XXXX and so is my XXXX son so it 's very hard for me to keep fighting this but I believe in XXXX so I 'm am not gon na give up. A few years ago my identity as well as my sons was stolen at first I thought it was my ex husband who did it because he was deported out of the country for identity theift but he 's been gone 7yrs now and it 's still happening. First I started getting mail stating that I applied for credit when I did n't and then the calls started causing me to go into a deep XXXX. Then my son was having medical problem do to the environmental surroundings so I had no choice but to move then I applied for an apartment only to find out that I got denied. I thought how could that be so I ordered my credit report and got the shock of my life someone had destroyed my name completely there were 44 credit inquires in 2 yrs and 5 delinquent accounts that did not belong to me how could this be. So now I am stuck in a home where my son can not XXXX XXXX because someone destroyed my name. My son is my life and I need to moved but these credit agencies are reporting false information I started contacting them since 2012 and have explained my story. My son is XXXX and he is having all kinds of medical issues do to this as well as myself. I myself am currently extremely XXXX  because someone has taken over my life. I am begging you to make these agencies remove these items I have given them police reports and everything but they refuse to remove these fraudulent items that do n't belong to me. All the delinquency accounts are not mine as well as the credit inquires I requested that no credit even be considered unless they call my cellphone to verify. Please make these people remove these items so that I can move my XXXX child somewhere he can breath and be comfortable I thank you for taking the time to read this. I truly believe in God and that somehow the true will be seen.

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 2017-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I cashed a check for {$300.00} in my checking account on XXXX/XXXX/XXXX. XXXX week later on XXXX/XXXX/XXXX, Chase bank debit me for {$500.00} because they say their teller system processed that check for {$800.00}. But I did n't receive the extra {$500.00} when I cashed this check. I asked the bank to send me an evidence that they actually paid me {$800.00}. But they do n't have. Instead, they use an internal Deposit Account Agreement that they can always to debit me for any debt. They ca n't prove I own them any debt. This is complete nonsense that the bank debits me {$500.00} for their internal operation error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX,  GEORGIA XXXX To : XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX  Subject : Returned Item ( Tent ) on XX/XX/XXXX. AFFIDAVIT OF TRUTH I returned the tent that was sent without a canopy, no directions for installation, and the wrong color on XX/XX/XXXX via XXXX  delivery. Call tag number XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ; a total of 4 boxes returned to shipper.
Payment for the tent was made through PAYPAL, A dispute was submitted to PAYPAL for the returned item. The dispute included the reason for the return as being the wrong product ( color ) amongst not having instruction, and missing the canopy, and other parts. SEE EXHIBIT A thru F You or your supplier should have received the returns, and verified all the issues in my complaint were accurate, thus rendering a full refund. Thirty ( 30 ) days have passed, and all settlements should have occurred. PayPal has my account remaining in dispute which is depriving me of the purchase amount. I have fulfilled my obligation in returning the items ( s ) to the sender XXXX XXXX. All accounts shall be made current and reflect accurate status of my obligation ; XXXX amount owed to Paypal credit and XXXX amount owed to XXXX XXXX
- {$700.00} USD XX/XX/XXXX  XXXX Regards , XXXX XXXX Cc : PAYPAL XXXX XXXX XXXX, MD XXXX ( Paypal has closed there side of the case and charged me the full price for items I do n't have. I Sent the letter below to both the shipper and Paypal with exhibits from XXXX website showing the items were returned. Paypal still will not credit me the purchase amount. I need some intervention. I have tried to respond within Paypal system, but the system always state there was an error one the respond button was selected. I sent the letter via certified mail return receipt. I received the green card back without signature? I am asking for a full investigation into the dispute process of Paypal. I should have received a refund within 30 days, that did n't happen ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT! Ocwen Loan Servicing and their counsel raised additional questions that need to be answered! We request that Ocwen answers all of our questions below accurately and under penalty of perjury.
1st- why has Ocwen failed to update their records along with the credit bureaus inaccuracies for XX/XX/XXXX payment as requested in a previous CFPB complaint? Please review the documents provided which clearly reflects that Ocwen has failed to comply with our requests!
2nd-why has Ocwen failed to report for XX/XX/XXXX when XX/XX/XXXXshould have been reported in XX/XX/XXXX? Now, this constitutes a direct dispute which we request that Ocwen updates all the credit bureaus to reflect paid as agreed for XX/XX/XXXX and for XX/XX/XXXX which is now coming to the end of the month! We also request that Ocwen updates their records to reflect accurate information now and in the future!
3rd-does Ocwen consider their policies to supersede consumer rights, federal and state laws? Yes or No!
4th- is Ocwen and their counsel able to tell the difference between a " D '' verses an " O '' on a document? Yes or No!
5th-is Ocwen and their counsel reading the complaints prior to responding to our complaints with the CFPB? Yes or No!
6th-does any federal or state law require consumers to send a correspondent letter to a company or furnisher of information by certified letter or any other means equivalent too? Yes or No!
7th-is Ocwen aware that our previous CFPB complaint ending in XXXX has been disputed, your counsel stated incorrect information which has been addressed and what I said was accurate? Yes or No!
8th-is Ocwen and their counsel aware of false accusations such as the term spurious ( term used for FAKE )? Yes or No!
9th- is Ocwen and their counsel aware that they have 60 days to correct consumer issues after being notified? Yes or No!
10th-is Ocwen and their counsel aware of the penalty for providing false statements to federal and state agencies? Yes or No!

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 2017-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Filed complaints about XXXX XXXX and transunion all 3 were asking for proof of who i am so i finaly sent all 3 a copy of my state id proof of address by social security mail from social security i happy to say XXXX finaly sent me my credit report but XXXX an transunion are still asking for more proof and refusing to send me what they have on my reports what i sent i sent to all 3 credit companies it was good enough for XXXX why not the other two agencies?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Access Credit Management, Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX debt was liquidated in chapter XXXX that I filed in XXXX. I call this company and spoke with a gentleman name XXXX. I asked him why was he continuing to try and collect on a debt that first of all over 10 years old and secondly it has been discharged in my  chapter XXXX in XXXX. he said it was a mistake and he would rectify it. he did just the opposite, He went in an updated the opening of the account for XXXX XXXX. Noted this is illegal and he is practicing fraudulent reporting. I call him again on XXXX XXXX, XXXX. He claimed that he had the updated bill. I asked him to sent me a copy of the account that he said was opened in XXXX XXXX. He then asked me for an account number. Well, the credit Bureau has no account number for this bill because it was discharged in XXXX. I have the records from the bankruptcy courts where XXXX XXXX XXXX was listed numerous of times in my chapter XXXX. This company and XXXX are known for practicing illegal reporting and misconstrued information on peoples. They have been doing these type of tactic for years. XXXX is the person that does all the illegal reporting. I am faxing you a copy of the bankruptcy filing as evidence that this accounts along with other have been liquidated in my chapter XXXX filling in XXXX. 
this company Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This has been going on since XXXX. I had to file bankruptcy and my credit has been hacked multiple times by XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This has been going on since XXXX. I had to file bankruptcy and my credit has been hacked multiple times by XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX and 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 2017-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: NV

Complaint narrative:
Dear Sir or Madam : This item American Education Services/XXXX XXXX ( AES ) Student Loan Account is inaccurate because this account is not a joint account and was not reported on my credit report until I began making payments to the account on behalf of my ex-wife. The account was opened on XX/XX/XXXX and did not begin reporting on my credit report until XX/XX/XXXXwhen I contacted AES/XXXX XXXX at XXXX to make payments. This account was never on my credit report prior to XX/XX/XXXX. While attempting to get AES/XXXX XXXX to remove this account from my credit, associates told me that I could not change the repayment status ( apply for deferment/hardship ) if I went back to school or had any other qualifying deferment situation. The only person who could apply for such status change is my ex-wife. This account is solely in her name, however they now list it as a joint account on my credit. 

AESXXXX XXXX also increased the balance of the account by XXXX dollar without notifying my ex-wife which I discovered through XXXX XXXX which resulted in my credit score decreasing XXXX points. 

I have contacted AESXXXX XXXX and asked them to remove the account form my credit and they refused. I filed complaints with the three credit  reporting agencies and I am not satisfied with the outcome of their investigations. I sent certified letters to AESXXXX XXXX and XXXX detailing why this account is not a joint account and not in my name. I attached copies of Credit Report Prior to XX/XX/XXXX ; Credit Report as of XX/XX/XXXX ; XXXX XXXX Payment History and Bill Payee Account Info ; XXXX XXXX XXXX Call Logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNTRUST BANKS, INC.
State: NV

Complaint narrative:
Dear Sir or Madam : This item XXXX XXXX XXXX/Suntrust Bank ( XXXX ) Student Loan Account is inaccurate because this account is not a joint account and was not reported on my credit report until I began making payments to the account on behalf of my ex-wife. The account was opened on XX/XX/XXXX and did not begin reporting on my credit report until XX/XX/XXXX when I contacted XXXX/Suntrust Bank at XXXX to make payments. This account was never on my credit report prior to XX/XX/XXXX. While attempting to get XXXXSuntrust Bank to remove this account from my credit, associates told me that I could not change the repayment status ( apply for deferment/hardship ) if I went back to school or had any other qualifying deferment situation. The only person who could apply for such status change is my ex-wife. This account is solely in her name, however they now list it as a joint account on my credit. 

XXXXSuntrust bank also increased the balance of the account by XXXX dollar without notifying my ex-wife which I discovered through XXXX XXXX which resulted in my credit score decreasing XXXX points. 

I have contacted XXXXSuntrust Bank and asked them to remove the account form my credit and they refused. I filed complaints with the three credit reporting agencies and I am not satisfied with the outcome of their investigations. I sent certified letters to XXXX/Suntrust Bank and XXXX  detailing why this account is not a joint account and not in my name. I attached copies of Credit Report Prior to XX/XX/XXXX ; Credit Report as of XX/XX/XXXX ; XXXX XXXX XXXX XXXX and Bill Payee Account Info ; 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