vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-05 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: FL

Complaint narrative:
I have tried and tried to get XXXX and my creditors by disputing through both to correctly report the accounts that were in bankruptcy. I noticed that Equifax and XXXX have made more of an effort but XXXX has not. My spouse is having the same issues with XXXX. Our Ch XXXX discharged. Post discharge, creditors are not allowed to report us a having a balance due or late. I have attached some print screens of my credit report with XXXX report as of XX/XX/XXXX. They are telling me that I have 6 negative and delinquent accounts with bad payment history affecting my credit score. How can this be when 100 % of my debts were included in my Ch XXXX bankruptcy ( except the older, good credit ones that were paid off prior to our filing on XX/XX/XXXX ).? I have attached a discharge letter, claims history, and other evidence. If you will note, XXXX XXXX XXXX XXXX is showing a failure to pay in XX/XX/XXXX ( see the red FP ). They are not allowed to show me late in XX/XX/XXXX. You cant show lates or balances past my petition on XX/XX/XXXX. I have the legal right to open my bankruptcy case up again and file injunctions against all XXXX credit bureaus and every single one of my creditors, as they are all in violation of the bankruptcy discharge order. Might I remind them there is case law to support my position and claims : There is case law to support this : XXXX vs. XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ). Here, the court relied heavily on two of my cases, XXXXl v XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX) and XXXX v. XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX XXXX ( XXXX  XXXX XX/XX/XXXX), This willful refusal to correct my record post-discharge is robbing me of a fresh start. Also, both XXXX and XXXX are now refusing to allow me to dispute accounts online. They are requiring me to send in all of my personal information and dispute by mail. This practice should be outlawed as it goes against what is supposed to be their purpose and that is to protect the economic system and the creditors. They are asking us to put everything in an envelope that someone could steal our identity with. I am not going to do this and I am surprised that the banking industry, who loses billions every year to identity theft, has n't lobbied against this practice by the credit bureaus. I will NEVER be putting my social security card, drivers license, birth certificate and other requested identification into one envelope in the mail. That is not only the stupidest thing anyone has ever asked me to do but also a risk that I should not be asked to take and the credit bureaus should be obliged to handle my disputes regardless of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
ON XX/XX/XXXX MY WIFE AND I SUBMITTED A REQUEST, TO SELECT PORTFOLIO SERVICING COMP.FOR " HARDSHIP '' " MODIFICATION '' AS EXPRESSED IN THE ATTACHED LETTER BELOW " HOME UNDER WATER '' APROX. {$110000.00} ... ALSO MORTGAGE RATE IS LOCKED FIX RATE FOR 9.5 % ... .ALSO " SCHOOL TAXES '' APROX. {$7500.00} A YEAR OUT OF OUR POCKET PLUS LOCAL TAXES, PLUS COMMUNITY DUES OF {$800.00} A YEAR PLUS HOME INSURANCE, OUT OF POCKET, HOME APPRAISED VALUE IS {$130000.00} BALANCE OWED IS APROX. {$250000.00} ... ... HUSBAND IS RETIRED ON FIX INCOME ALSO WIFE WILL RETIRE IN APROX. 6 MONTHS ... LIVED IN HOME SINCE YEAR XX/XX/XXXX ... ... .GOT EQUITY LOAN NINE YEARS AGO ... ONE TIME BALANCE OF MORTGAGE NEVER GO DOWN FROM PAYMENTS  OVER THE YEARS ... TO KEEP THIS HOME WE ARE REQUESTING LENDER TO INCLUDE TAXES IN PAYMENT AND INSURANCE ... REQUESTING MONTHLY PAYMENTS TO GO FROM {$2200.00} ... ... TO PAYMENTS OF {$1600.00} ... .PER MONTH WITH TAXES AND INSURANCE INCLUDED IN MORTGAGE PAYMENTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
The company Convergant is attempting to collect a debt which was discharged on XXXX XXXX, 2010 in my Chapter XXXX bankruptcy. The debt from the original debtor XXXX is no longer owed.

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 2017-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Around X/X/17 I called Transunion about my Bankruptcy is not reporting correctly as dismissed and not discharged. I asked for a verification based on FCRA and information as to who, date of person call was made to do I could re verify this information as accurate. They have failed to complete requested dispute and verified information as requested within a 30 day time frame. They responded stating information on the Bankruptcy has been updated but it still show as discharged.

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 2017-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
This Debt Collection Agency has my medical information, which i did not authorize them to have and Shared my medical information with the XXXX Credit Reporting Angencies in XXXX 2016, when I disputed the validity of the debt! This is inviolation of the Hippa Laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Around X/X/17 I called XXXX about my Bankruptcy is not reporting correctly as dismissed and not discharged. I asked for a verification based on FCRA and information as to who, date of person call was made to do I could re verify this information as accurate. They have failed to complete requested dispute and verified information as requested within a 30 day time frame. They responded stating information on the Bankruptcy has been updated but it still show as discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I purchased five money orders from XXXX in XXXX XXXX, 2017 totally {$2200.00}. They were made out to XXXX at XXXX. I put them in the apartment dropbox/night drop on XXXX XXXX, 2017 around XXXX. I am a XXXX XXXX and worked a three day trip. Upon returning on the XX/XX/XXXX I noticed I still owed the apartment. The complex claimed they never received them. I gave them copies of the money order stubs/receipts. After a couple of weeks they told of me I needed to contact XXXX and report them lost/stolen. I contacted XXXX and they said they had already been cashed on the XX/XX/XXXX. I was unable to file a lost/stolen report as they were already cashed. They said I could get a copy of the deposited money orders for {$24.00} each. I had five money orders and got all the copies. The copies DO NOT have any financial institutions information on them. I had to call XXXX back. They sent me Source of Receipt. XXXX XXXX says it is not their issue to get me the money back and ca n't help me. They told me the institution who cashed the fraudulent tampered money orders are responsible. Bank of America is listed as bank of first deposit. I called their Customer Service phone number who in turn sent me to another dept. who in turn said I had to go to a branch and fill out paperwork. I want to a branch and they said they can not help me. They said XXXX XXXX is responsible. The money orders were clearly altered and Bank of America allowed them to be cashed anyhow.

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 2017-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The debt is not been collected by collection assigned by Macy 's because they do n't have no record of {$280.00} and {$540.00} as collection stated to Federal CFPB.
Why is Macy 's still trying to collect a debt that is not owed?
I have requested a proof of my application and evidence that credit card belongs to me but Macy 's Executive XXXX XXXX have n't supplied evidence with my official written signatures.
Not even evidence to CFPA.

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 2017-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GENTRY FINANCE CORPORATION
State: ID

Complaint narrative:
On XXXX XXXX 2017 someone used my name to get a payday loan. I checked my credit report and I did not open that account that day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is no contract.

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 2017-08-05 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: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I filed a chapter XXXX bankruptcy that was discharged in XX/XX/XXXX against the property address of XXXX XXXX XXXX XXXX XXXX Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me  as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: NC

Complaint narrative:
XXXX XXXX and I have a loan through the company. At the time XXXX did not read the fine print and did not realize the loan would have 766 percent interest. The loan has been paid and including extra totaling XXXX dollars. The company claims that due to the 120 installments that started in XX/XX/XXXXand including a payment that was made on XX/XX/XXXXthe loan is only XXXX cents paid. That means that I would have to pay XXXX plus the " Finance charges '' to finish the loan. We live in the state of NC where interest can not be more then a certain rate. They claim to be part of a XXXX XXXX and that since we agreed to the terms of the loan we waive the right of a jury trial and also any judgment against them and they have sovrine law. This is because they are a XXXX XXXX. When I called to speak with them, their call center said I would have to pay or collections would happen and I would owe them over 3000 dollars. I need to know what options I have. They have over 500 dollars from us. We have bank statements to show this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX. I have been dealing with the aftermath of my identity being stolen for the last four years. A company named American Coradius International LLC has sent me a letter claiming they own a debt in my name for a XXXX account I have not heard of. I did not even know there was a XXXX accoount in my name! This account, or perhaps this company, is fraudulent. I demand that American Coradius International LLC immediately remove this account from my name. Thank you for your assistance, XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: LA

Complaint narrative:
I am filing a complaint due to Transunion reporting unauthorized credit inquiries on my report. I have uploaded supporting documents stating that I did in fact have a fraud alert on my my acct starting XX/XX/XXXX which would last 90 days and after the 90 days I have always added the fraud alert back onto my account my latest fraud alert ended XX/XX/XXXX and once a fraud alert is placed on my acct the CRAs that added the fraud alert are to notify the other CRAs to apply a fraud alert as well and they are to notify me anytime my credit is being run. I have disputed these inquiries by phone, online and by mail and you all have constantly denied to. I am suppose to be contacted every time someone runs my credit but I wasn't. I didn't authorize these inquiries, therefore my consumer rights were violated. Pursuant to  1681c-1, before establishing an account in the name of a consumer with an fraud alert on file, a creditor must contact the individual to confirm that the application for credit is not the result of identity theft. If the fraud alert contains a contact number, the creditor must either contact the consumer directly or take reasonable steps to verify the consumers identity before opening a credit account in the consumers name. I was never notified. I am demanding that the following unauthorized credit inquiries are removed from my credit report you all did in fact violate my consumer rights. Remove the following accounts and I would like a updated credit report within 30 days of these changes that will be made. >>XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX  XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from 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 2017-08-05 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: CA

Complaint narrative:
I review my credit and there is XXXX unauthorize inquiries on my credit reports with XXXX, Equifax, XXXX.
Here is the list of Hard Inquiries 1.XXXX .dated XX/XX/XXXX.
2.XXXX XXXX.XX/XX/XXXX.
3.XXXX XX/XX/XXXX 4.XXXX XXXX. XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9.XXXX XXXX .XX/XX/XXXX 10.XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: LA

Complaint narrative:
I am filing this complaint due to Experian failing to remove a paid and closed account from my credit report. I paid an amount of XXXX to ( XXXX XXXX ) XXXX XXXX XXXX XXXX in XXXX of 2016 and was I was advised that the account would be removed from my credit report. I have disputed this info numerous amounts of time advising Experian to remove the account but they are refusing to remove the account. XXXX and XXXX removed the account immediately after it was paid, I am demanding that Experian do the same and remove this account from my credit report.

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 2017-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I only got this card because Costco switched from AmEx to their Citibank visa. I have 3 other Visa cards with zero issues. However, this particular card never sends me paper statements. I 've requested them on 4 separate occasions, each time after my card is declined. I call Citibank to see why my card does n't work and they tell me I have n't paid my bill. I say what bill? I 've never received one. They say you 've requested electronic billing, which is incorrect. They agree to correct the problem and I never receive a bill. When you pay electronically, they automatically send an e-bill. I 've asked repeatedly where it goes, is it emailed, sent to my third party app I used to pay? No, they say, I need to login to my account on their site, which I 've never done. How would I know when it 's due? They told me I 'm just supposed to check my account. I do n't use this card regularly. Tried to get gas and it was declined. Called them to find out I have late fees and charges for a {$43.00} ( approx ) bill and $ 100+ in late fees for a bill I never received, despite requesting it. I asked them to reverse the late fees and told them I 've repeatedly requested paper bills. They told me they would look into reversing the fees, I paid the balance of my charges only ( not fees ), and they would send me a paper bill. I never received it. Instead I get some XXXX letter saying I 've requested not to be contacted for debt collection. I do not think these practices are ethical, legal or fair. My 3 other Visa cards are paid on time every month. I never had a problem with the Costco AxEx card. This company is unethical and I want my late fees reversed. I 've asked now 4 times for a paper bill and made them aware I am not receiving any notification to pay my balance. They are clearly doing this on purpose as a means for me to incur more late fees and interest. I requested to cancel this card and am done with this particular card. It 's ruining my credit and I 'm not paying fees for their incompetence and unfair business practices. Look at your phone logs and see how many times I requested a paper statement and how many times I received one.

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 monetary relief
Consumer complaint received 2017-08-05 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: Ocwen Financial Corporation
State: NV

Complaint narrative:
I filed a chapter XXXX bankruptcy that was discharged inXX/XX/XXXX against the property address of XXXX XXXX XXXX. XXXX XXXX  Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: Ditech Financial LLC
State: NV

Complaint narrative:
I filed a chapter XXXX bankruptcy that was discharged in XX/XX/XXXX against the property address of XXXX XXXX XXXX. XXXX XXXX  Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: CA

Complaint narrative:
I review my credit and there is XXXX unauthorize inquiries on my credit reports with XXXX, XXXX, Transunion.
Here is the list of Hard Inquiries 1.XXXX .datedXX/XX/XXXX.
2.XXXX XXXX.XX/XX/XXXX
3.XXXX XX/XX/XXXX 4.XXXX XXXX. XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9.XXXX XXXX .XX/XX/XXXX 10.XXXX XXXX XXXX XX/XX/XXXX 11.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 2017-08-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I review my credit and there is XXXX unauthorize inquiries on my credit reports with Experian, XXXX, XXXX.
Here is the list of Hard Inquiries 1.XXXX .dated XX/XX/XXXX. 2.XXXX XXXX.XX/XX/XXXX. 3.XXXX XX/XX/XXXX 4.XXXX XXXX. XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX .XX/XX/XXXX 10.XXXX XXXX XXXX  XX/XX/XXXX 11.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