vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-02 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:
XXXX  and transunion won't give credit report online, but  XXXX  did.

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 2017-05-02 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Equifax is blocking my credit report, I tried to do business with XXXX, XXXX, XXXX and they report that they can receive any information from Equifax, also my credit monitoring agency, privacy asset ca n't retrieve information from Equifax since twoyears ago. I called, wrote and try to solve the problem and always tell me that there is no problem, and unhelpful answers like I have no lock or freeze or sending me credit report when I just ask them, with all the documentation to give me a solution to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize XXXX XXXX to run my credit score on XXXX XXXX 2017 ... ..was not present. The bank made a hard inquiry on my credit that dropped it way down. I did not know anything about this or who they did it for but I did not give consent for this. I believe it was for a loan of some sort. I have n't applied for a loan in many many years, and never with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank/XXXX XXXX XXXX -My problem is I was charged late fee on XX/XX/XXXX.
-I submitted my online payment on XX/XX/XXXXbefore XXXX ( est ), but was not able to select XX/XX/XXXXas my payment date so I selectedXX/XX/XXXXand figure I work it out with customer service. Called customer service at XXXX ( est ) onXX/XX/XXXX XXXX XXXX XXXX  had no confirmation nor could they acknowledge I even made a payment. I waited to see it payment would debit my account and it never did. I made another online payment but this time it was for XXXX. - I emailed and filed dispute. XXXX XXXX XXXX closed dispute since I could n't produce evidence that a payment was made ( evidence from my bank ) I submitted an online payment BEFORE XXXX on XX/XX/XXXX. I was not allowed to pay on XX/XX/XXXX and was forced to make payment on XX/XX/XXXX. Payment was never made due to some technical issue on XXXX XXXX XXXX side. I made my payment on-line and on time. I would like XXXX XXXX XXXX to reimburse my late fee of XXXX I have the email confirmation fromm XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My account has been paidoff in  XXXX  so how can it be reported late in  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 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize   XXXX   XXXX   to run my credit score on  XXXX   XXXX   2017  ... ..was not present. The bank made a hard inquiry on my credit that dropped it way down. I did not know anything about this or who they did it for but I did not give consent for this. I believe it was for a loan of some sort. I have n't applied for a loan in many many years, and never with this bank.

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 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I 'm having trouble with Equifax. They showed my credit report on XXXX XXXX at almost XXXX one week and then in one week I checked it again and it showed XXXX. Anyway it dropped XXXX points without any reason in one week. I pulled a credit report and nothing had changed since I last checked it. I tried to get Equifax to tell me what happened or if something was wrong but all I got was there is no hard inquiries on your report and that I would have to purchase a copy of my credit score. I just ca n't comprehend why XXXX XXXX and XXXX has my score at XXXX but Equifax has it much lower. I do n't know if Equifax is trying to force me into purchasing a credit score or what!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My account has been paidoff in  XXXX  so how can it be reported late in  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 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My account has been paidoff in  XXXX  so how can it be reported late in  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied to Goodyear Credit card services    XXXX   XXXX    as well as  XXXX   XXXX  and was told both times I have an account already with them and my account is in default. But in  XXXX   XXXX  I filed bankruptcy and all my debts were  discharged  and I should owe nothing nor have any record with them.     I contacted my Bankruptcy lawyer and he told me to first send copy of Discharge paperwork which I did in late  XXXX  to  Goodyear Credit Services  but as of today  XXXX   XXXX  never heard anything and when I try to apply online for any type of credit I am informed this balance is still owed. My attorney then told me to contact the CFPB and file a complaint.     Also I had another similar instance with a bank I had done business with and was told I still owed the bank money (  XXXX   XXXX   ).   (    XXXX   XXXX   ).     I wrote the  Goodyear  Card Services ( See attached ) and never received any type of reply and that was  XXXX , while the bank still holding this against me was also  XXXX , but the credit union who conveyed this to me on the bank said there was nothing I can do to correct as even though my debts were  discharged  my negative record/report was going to remain on this report indefinitely. I have nothing from   XXXX    XXXX   or the  XXXX   XXXX   XXXX  to show as I was verbally told by the  XXXX   XXXX   XXXX  in  XXXX , CA. I can provide more info to your office on this credit union if you want to privately email 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 2017-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Reviewed my  XXXX  credit report dated  XXXX   XXXX ,   XXXX   and  Portfolio Recovery Associates  ( PRC ) reports an original balance due of {$850.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to PRC is being disputed by me.   2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.   3. Further, PRC has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.   4. This information erroneously appears on all  (   XXXX   )  credit reporting agencies and I have asked  XXXX  to dispute such claims with no response from PRC.   5. As such, all such information should be deleted from all  (   XXXX  ) credit reporting agencies.    XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC.
State: MI

Complaint narrative:
Kay  Jewlers sold my account to  XXXX   XXXX   XXXX . There are in violations of the FCRA. They are still reporting.I dont have a contract with kay jewlers. They have sold my account for pennies on the dollar, and still reporting negative comments on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rhojo Enterprises, LLC
State: AE

Complaint narrative:
Hello, First, the debt collection agency ORION RECOVERY, did not present a contract ( VERIFICATION OF DEBT ) as requested in  XXXX    XXXX   Orion Recovery -- claimed to have sent me verification documents back in  XXXX    XXXX   verifying the debt but I have not received such. Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to creditor.   Secondly, the original amount that was supposingly owed now has added interest which is a violation in the state of North Carolina  (  which is my state of residence ) according to  58-70-115 . Unfair practices. ( 2 ) Collecting or attempting to collect from the consumer all or any part of the collection agency 's fee or charge for services rendered, collecting or attempting to collect any interest or other charge, fee or expense incidental to the principal debt unless legally entitled to such fee or charge. (  5  ) When the collection agency is a debt buyer or acting on behalf of a debt buyer, bringing suit or initiating an arbitration proceeding against the debtor, or otherwise attempting to collect on the debt without ( i ) valid documentation that the debt buyer is the owner of the specific debt instrument or account at issue and ( ii  )  reasonable verification of the amount of the debt allegedly owed by the debtor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditor 's records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges.

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 2017-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Reviewed my   XXXX   credit report dated    XXXX   XXXX  2017     and  Portfolio Recovery  Associates ( PRC ) reports an original balance due of {$1000.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to  PRC  is being disputed by me.   2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.   3. Further,  PRC  has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.    4.  This information erroneously appears on all  (   XXXX   )  credit reporting agencies and I have asked   XXXX    to dispute such claims with no response from  PRC .   5. As such, all such information should be deleted from all (  XXXX  ) credit reporting agencies.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I sent a complaint on the  XXXX  of  XXXX  already, experian is the credit bureau that made a statement about  XXXX  Americans make debts and lie to get out of it. I have tried on numerous occasions to prove to experience this is not my bill. No money was left, there was no estate the person passed and before passing was on government medical and retirement a very small income. I myself is on the same income except mine is a   XXXX   and   XXXX    XXXX . There was no accidental or life insurance polices. Why and how any  XXXX  got my name and information was fraudulent. I 'm not responsible for this bill and because of the remark about  XXXX  Americans is unfair and is   XXXX   which is against the law.

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 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
On    XXXX   XXXX   XXXX     ,  Ability Recovery  reported a delinquent debt on my credit. I had no knowledge of this debt nor any information about where this debt originated, nor the time frame. It only appears through    XXXX   XXXX   .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Reviewed my XXXX credit report dated XXXX XXXX, 2017 and Portfolio Recovery Associates ( PRC ) reports an original balance due of {$1200.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to PRC is being disputed by me.
2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.
3. Further, PRC has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.
4. This information erroneously appears on all ( XXXX ) credit reporting agencies and I have asked XXXX to dispute such claims with no response from PRC.
5. As such, all such information should be deleted from all ( XXXX ) credit reporting agencies.
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
XXXX  crammed charges on my billing account by adding premium text messaging charges. There is a lawsuit with the  XXXX   XXXX   XXXX  against  XXXX  and other carriers for adding unauthorized charges. I did not pay my bill and  XXXX  reported my account to  Diversified Consultants Inc  for {$740.00} on  XXXX   XXXX    XXXX  . I have tried to dispute this account but they do not wo n't to remove the account nor fix the billing issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
Ocwen receives my payment on  XXXX   XXXX ,   XXXX  . The  XXXX   XXXX  NUMBER is :  XXXX .     Even after ocwen got it on  XXXX   XXXX  they post it on  XXXX   XXXX  date. This effects my credit.     It should be posted the day they get the payment and not when they feel like.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Reviewed my  XXXX  credit report dated   XXXX   XXXX  2017    and  Portfolio Recovery  Associates ( PRC ) reports an original balance due of {$850.00} :  1.  I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to PRC is being disputed by me.   2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.   3. Further, PRC has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.   4. This information erroneously appears on all  (   XXXX  ) credit reporting agencies and I have asked  XXXX  to dispute such claims with no response from PRC.   5. As such, all such information should be deleted from all (  XXXX  ) credit reporting agencies.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My Mortgage Bank is : Ocwen Loan Servicing LLc I was offered application Modification I sent the application back and THEY RECEIVED THE PAYMENTS I WAS TOLD, but after that, they started to refusing payment, my credit is getting very bad and when I called last time after several timer per week and i Got    XXXX    out, finally, this person told me that this bank will take my home and i have nothing to do, I told him thaT I 'll find if I have the right to fight and get my home but he said they have the best lawyers and if do n't have plenty money he would n't recommend me to fight because any ways I have everything to loose.  Im  very DEPRESS and I do n't know if I should keep living or not because I work to hard for my home and now instead of getting a modification with government help that they mentioned to me, I ENDED UP LOOSING MY HOME.   NOW IS THE THIRD TIME THEY AGAIN SEND ME APPLICATION AND I NEED TO KNOW IF THIS TIME  3TH  IS GOING SERIOUS BECAUSE I 'M VERY FRUSTRATED, EVERY TIME THEY SEND ME APPLICATION FOR LOAN MODIFICATION, THEY IGNORE MY APPLICATION WHEN I RETURN IT AND THAN THEY MAKE UP HISTORIES JUST TO GIVE ME HARD TIME AND SAID THAT THEY DO N'T RECEIVE SOME PAPERS THAT I FAX, MAIL AND EVEN E-MAIL TO THEM I REALLY NEED HELP AND ASK THEM TO TAKE MY TIME AND CONVERSATIONS WITH THEM IN SERIOUS BECAUSE THEY TOLD ME ONE THING AND THEY DO OTHER VERY DIFFERENT

Company response to consumer: Closed with explanation