vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear XXXX XXXX, Please provide me the Consumer of America with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974. 
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the XXXX XXXX XXXX due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ).

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 2017-10-14 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: FL

Complaint narrative:
I tried to access my free annual credit reports online at XXXX today, XXXX/17, and after receiving and downloading the first report from Trans Union, I followed the prompts to return to the site to get the next report. I clicked to link to get the next report and was taken to a blank page with no indication of action happening. After 30-45 seconds, I clicked the " back '' button only to discover that the site thought I had already seen and downloaded my second report. I followed the link to receive my next report again, and the same thing happened. I clicked the back button again, thinking I could try again and was told something like, " see you next year when you can get your free report again. '' I never received two of the three reports due to website issues on their end and I am furious. 
I called their phone number to try and receive the reports by mail, but since they probably think I got the reports online ( even though I DID N'T ), I feel sure wo n't get them. I do n't want to wait and try to find out. I am being proactive and trying to deal with it now, but there is no actual way to contact the service, so I feel like I 'm totally screwed. I want the free annual copies of my XXXX and XXXX reports that I am entitled to and I do not want to be punished for poor website functioning. Please help.

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 2017-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellar Recovery, Inc.
State: AZ

Complaint narrative:
XXXX and XXXX Did a investigation after I reported to them that this company was reporting I owe XXXX for a previous company XXXX XXXX. 
I sent a dispute and both credit agencies utilized the 30 days to investigate the company debt was removed I was notified Two months later same company Stellar Recovery reports again and both bureaus allow this but report as new and a different amount by XXXX I call Stellar tell them to stop reporting wrong information and that I have n't had XXXX and they said were not reporting anything I got no place with stellar theynsaid it must be fraud I said yes someone used my name apparently I contacted XXXX and really got no place after requesting a contract and anything they could give as proof to send to authorities and I got no help just transferred all over I asked the two credit bureaus to delete the collection off my credit and block Stellar and nothing done also I questioned how could you allow them to report again by just changing the amt I 'm in the middle of purchasing a home and this has caused my score to drop and I have 2 weeks to rectify this error I asked them to delete immediately it 's fraud Stellar XXXX XXXX   XXXX fl XXXX XXXX XXXX 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 2017-10-14 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 — Problem with personal statement of dispute
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
Recently went into purchase a vehicle for my business. I was XXXX with my original credit chec. Then XXXX XXXX XXXX  reported an incorrect credit score. 200 points less than the three other credit bureaus. The intentionally report lower scores to increases clicks on a website and increase Ingres rate from finance companies.

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 2017-10-14 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: FL

Complaint narrative:
My mortgage company has tried to run my equifax credit report 3 different times and comes back with an error saying no data found I spent 2 hours today on the phone and 1 hour the previous two days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX XXXX, XXXX, Equifax publicly made it known that over 145 million consumers had their personal information hacked from their databases. Equifax has illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, Equifaxs mishandling of confidential and personal information which allowed their systems to be hacked, violated all privacy rights. According to the Fair Debt Collection Practices Act, I believe all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GU

Complaint narrative:
I, XXXX XXXX, the petitioner and requester Under the FOIA and request my financial disclosure file, uner the privacy Act to petition to release my financial transaction statement with the Credit Card at XXXX XXXX XXXX in XXXX DE to provide my own disclosure transaction file record with the Credit Card at XXXX XXXX XXXX and the rights to petition to release the secret record file with XX/XX/XXXXfile number ( XXXX ) Dated XX/XX/XXXX.that I filed online with American Express Bank to transfer the money in to my XXXX XXXX XXXX here on XXXX but not credit until today. The letter, I sent to the XXXX XXXX XXXX in XXXX DE for reconsideration including my credit score from XX/XX/XXXX, and contact Attorney XXXX XXXX with his phone number, regarding the transferring the financial transaction record I expect to credit it in to my account at XXXX XXXX XXXX and transfer the financial transaction statement or my transaction disclosure financial statement file with the American Express in XXXX XXXX XXXX UT. 
The file number XXXX from XXXX not showing the address, and phone number for XXXX XXXX XXXX only the date requested XX/XX/XXXX. same as American Express Bank in XXXX XXXX XXXX UT. only showing the date requested XX/XX/XXXX. The report from XXXX about American Express XXXX in XXXX, TX Dated same as the date XX/XX/XXXX with American Express in XXXX XXXX XXXX UT. When I called the American Express in XXXX the American Express did n't have any record for me. This inquiry impact my credit score according to the report file with XXXX. These report on the 3 credit Bereu XXXX, XXXX, XXXX, and including the American Express, were incorrect report. Finally, I discovered, these companies are doctrine illegal method to covered up the truth of our credit score file and doctrine illegal method to impact our credit score and delayed the processing of my credit card issue with American Express Bank in XXXX XXXX XXXX UT. and I just received letter from XXXX for Fraud Alert which I did not request and will expire on XX/XX/XXXX and all these companies sent me research from and they made inaccurate report so I can request the research form to delayed the issue of my credit card with American Express. The time, I report with CFPB when the XXXX  employee called us and I gave her everything my wife 's personal information over the phone. I also request the CFPB to inform the American Express in XXXX XXXX XXXX. I sent the important disclosure file code number wrongly on my file address from Vice President XXXX from American Express to either one of the 3 major credit bereu above last Friday supposed to send back to American Express, and the expire Date will be XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
Recieved voicemail from a XXXX at XXXX saying to call within 24 hrs. I called told it was an attorney for Continental Finance and they are ststing civil action to collect {$520.00} for a XXXX I never had. When I asked why not on my credit report he said it was up till 2012 then company didnt want to pay to report. I asked him to send info and he said good luck and hung up. This appears to be a scam.

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 2017-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
HUNTER WARFIELD INC  #XXXX**
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Placed for Collection:XX/XX/XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	$XXXX
Date Updated: 	XX/XX/XXXX
Original Amount: 	$XXXX
Original Creditor: XXXX XXXX XXXX XXXX  (Rental/Leasing)
Past Due: 	>$XXXX<
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XX/XX/XXXX


This military housing debt 77% of this debt does not belong to me. I was XXXX XXXX living in military housing when the military XXXX XXXX XXXX XXXX XXXX The military is responsible for the 77%. I only owe $XXXX left on the debt for cleaning cost. My XXXX (housing allowance) military housing suppose to be paid my military.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I used the Discover Card convenience check mailed to me by Discover by depositing this check witXXXX XXXX XXXX Before using, I called Discover, and Discover customer service rep told me, after looking up my account, that I have available credit to cover the check for {$3000.00}, and I was told by Discover that I could use this check just like any ordinary check XXXX call is recorded and stored on mp3 and took place XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I was notified by XXXX that the check was returned, and I was notified by Discover that they are dishonoring the check, even though Discover told me before hand that the convenience check for {$3000.00} would be paid by Discover, and that the {$3000.00} balance would appear on my credit card statement. The check should have been paid as agreed between myself and Discover on XXXX/XXXX/XXXX, and the terms and conditions of the convenience checks sent to me by Discover do not indicate any restrictions or limitations, except available credit only, which there was plenty of on the date and time Discvover dishorored the check in bad faith, breaching their contract and fiduciary duty to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
On XX/XX/XXXX I had a conference call with XXXX from XXXX XXXX XXXX and OCWEN. XXXX wanted to verify my loan with OCWEN and asked why they are no longer reporting to the credit bureaus. OCWEN said they were and it just had not updated. 

On XX/XX/XXXX I had another conference call with XXXX from XXXX XXXX XXXX and OCWEN. XXXX again wanted to verify my loan and wanted to know why OCWEN had not updated it on my credit report. 

On XX/XX/XXXX I called OCWEN again and spoke with Escalation Manager, XXXX XXXXagent ID # XXXX. I explained to XXXX that I had telephoned XXXX, XXXX and XXXX and none of them have an account from OCWEN. XXXX said she would have her Research Department look into it and follow up with me the following day. 

On XX/XX/XXXX I called OCWEN Ombudsman office and spoke with XXXX XXXX who told me to give XXXX the opportunity to call me back by XX/XX/XXXX. 

On XX/XX/XXXX I called XXXX again several times with no return phone call. I spoke with another Escalation Manager who said the research department investigated and they are reporting to the credit bureaus. I again called the credit bureaus who still did not have an account from OCWEN. 

On XX/XX/XXXX I called OCWEN 's Ombudsman 's office back and spoke with XXXX. XXXX asked me to email him a copy of credit reports to XXXX. I emailed this information immediately at XXXX hours. 

On XX/XX/XXXX I called XXXX back and he said he had just received the information and uploaded the information into their system. I asked XXXX for a timeframe when someone would review and get back to me and he said it could take up to a week. He would call when he knew something. 

It is nearly two months since my initial phone call to OCWEN about why they are no longer reporting my mortgage loan on my credit report. There has been no resolution and no sense of urgency on OCWEN 's behalf to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I 'm doing this thing with active hours and my bank. chase is not sending stuff on a timely matter my account is not being processed properly my bank is located on XXXX XXXX in XXXX  ohio it takes a couple of days to process stuff like sending my info or depositing money into account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
hello please for your help i have rquested Equifax to remove all un authorized inquires due to breach of there files i now have to put a fraud alert on my credit file. 
They have blocked my access to there website on dispute.equifax.com due to my girl freind can access it but i cant tested on several computers. 

Please inform Equifax who has of today has been breached again to remove all Inqires from my report Thank You from XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I was late on my Kohls Charge card payment. I received automated phone calls regarding the debt. I called Kohls credit department to inform them that I would make a {$240.00} payment on XX/XX/XXXX. When I attempted to make a payment online, my account was not accessible. I called on XX/XX/XXXX to make a payment and I was informed by the Kohls credit department that my account was sent to a third party collection agency. The Kohls credit department asked me to call XXXX. 
Kohls credit department said they were told I filed for bankruptcy. 

I am worried my credit report will reflect a lie. I have not filed for bankruptcy. 


Please help me fix the error. I would like to pay my bill/debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: TX

Complaint narrative:
This is my fourth request submitting this exact same information. After about 71 months of dealing with ID theft, I have provided and it was requested from all 3 CRAs, but only 1 still refuses to remove 3 accounts. Under 15 USC 1601cb block, Experian ( Especially in light of XXXX V. Experian ) KNOWS it must block fraudulent information. I have sent them via XXXX 3 different BONA FIDE verifications of FRAUD. Which they will not remove, the XXXX account remains, they reinserted the XXXX accounts that had been deleted, and my personal information has 2 Last NAMES. I want this fixed, or like XXXX  they will force my hand. I HAVE HAD ENOUGH, of the fraud on the Experian file and I enclosed all the required documents they requested each and every time, which Experian indicated were needed as described in their original correspondence with me when I first informed them, and thus they also placed a 7 YEAR FRAUD ALERT on the file. I additionally have contacted the creditor, the FTC, the CFPB, the Texas AG, and NY AG, I received an acknowledgment in the mail but they left the fraud accounts on the reports, only EXPERIAN, Of course which is exactly opposite to that which I had legally provided proof. I 'm attaching the documents which were provided and request for the fourth time that they remove the accounts. Do I need to ask a federal judge to make them listen?

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 2017-10-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
hello please for your help i have rquested XXXX to remove all un authorized inquires due to breach of there files i now have to put a fraud alert on my credit file. 
They have blocked my access to there website on XXXX due to my girl freind can access it but i cant tested on several computers. 

Please inform XXXX who has of today has been breached again to remove all Inqires from my report Thank You from XX/XX/XXXX-XX/XX/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 2017-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AE

Complaint narrative:
I currently have an outstanding balance owed to XXXX XXXX for the amount of {$2500.00}. The balance has since been forwarded to a collection agency who is reporting a negative report on my credit. I was enrolled in a repayment plan in XXXX ; however, I am now doing an overseas tour with the XXXX XXXX and have lost communication with the debtor. I want to repay the amount owed however I want to request to remove the negative report from my credit as I was not able to receive notifications of the collections. This issue is now causing a decline in my credit score and will impede me from continuing my education in the future.

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 2017-10-14 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: TX

Complaint narrative:
These accounts are not mines and some are 7 years old or more. 

XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX +  {$1000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$200.00} Closed XXXX XXXX XXXX  XXXXNeeds Attention Last reported : XX/XX/XXXX - {$3000.00} In Collections/Charge-off The three collection below are not mines and I disputed prior to being posted to credit report. Some have been re-posted to report after being disputed and deleted.
XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$5900.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$3800.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$310.00} Needs Attention

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