vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 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 — Their investigation did not fix an error on your report
Company: CORELOGIC INC
State: NY

Complaint narrative:
Still not fixed. I have full authority to act for my husband. It was brought to their attention over a month ago that they made a huge mistake. Their error in reporting is still affecting us greatly. Once it came to their attention they still have not fixed teh problem with that they falsely reported innacurate information to. I want an updated reported stating that judgment was vacated against both parties listed on complaint along with a letter that it was their error and a cc sent to me and my husband today. This is willful neglect and intentional what they are doing now  XXXX  CLOSED Submitted STATUS Submitted to the CFPB on  X/XX/2017    PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/2017    Date sent to company :  XX/XX/2017    Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been over  3 we ks since they said tehy have ATTACHMENTS  XXXX   XXXX  Hide full complaint What product or ser

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 2017-05-23 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: PNC Bank N.A.
State: IN

Complaint narrative:
On  XXXX   XXXX ,    2017, I s ent a certified letter  to PNC Bank re questing proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while informing  XXXX  that the debt has been disputed. Note : This certified letter was signed for by PNC Bank on  XXXX   XXXX  , 2017.    On  XXXX   XXXX ,  2017, I pull ed my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX ,  2017, I sent  another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   I then pulled my credit report again on  XXXX   XXXX ,  2017 after th ey signed for the certified letter on  XXXX   XXXX ,    2017 an d the information has yet to be updated to claim I have disputed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX     XXXX , I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be stationed. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In  XXXX  of  XXXX , I got stationed in  XXXX ,  XXXX , I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact my   XXXX   XXXX   XXXX   XXXX   XXXX   if i did. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receiv e one in  the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.

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 2017-05-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On   XX/XX/XXXX   I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX     XXXX , I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be stationed. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In   XX/XX/XXXX  , I got stationed in  XXXX ,  XXXX , I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact m y    commanding officer of my command  if i d id. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receive one in the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: NC

Complaint narrative:
On   XX/XX/XXXX   I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX   XXXX   I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be  XXXX . Within the first week of having the car, I had to take it back to dealership  five ti me to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In   XX/XX/XXXX ,  I got stationed in  XXXX ,  XXXX , I have my mother Power of  Attroney fo r my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would conta ct my commanding officer of my command if i  did. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receiv e one in  the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.

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 2017-05-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am growing so frustrated wi th Macy 's  not correcting wrong information under my credit card account on all of my credit reports. I used to have an account wit h Macy and t he number was #  XXXX . The account is missing many many months of information but in  XXXX  of    2013 it i s displaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late w ith Macy 's, a nd when I had problems processing a payment it was due to the associates errors and lack of communication fro m Macy 's w ith me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified.   THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems 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 2017-05-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Continued attempts to collect debt not owed. Account was removed from my credit report on  XXXX   XXXX  , 2017 and was placed back on my credit without my knowledge. I do n't have a contract with National Credit Adjuster 's and this debt is not owed. A complaint will be made to the BBB if this is not removed. The address you have tied to the account in question is one that I ha ve never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Received letter out of the blue. Years ago, advise not to pay XXXX XXXX. Now, at least 20 years later, a letter. Need advise Thank you

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 2017-05-23 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: LJ Ross Associates
State: CO

Complaint narrative:
On  XXXX   XXXX  I was informed  that lj Ross and  associates had a collection in my name for {$11000.00} and when I call to inform them the the information that they had was wrong they told me it was not there job to fix the information and to dispute it but if I dispute the information then I would lose the loan for a house that I am trying to get.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
On  XXXX   XXXX   2017 I c all ed PennyMac an d was given an amount of all monies that were in arrears {$7000.00}. This was paid by check on  XXXX   XXXX   2017. The y did not cash check f or 2 we eks. This month I get a bill saying I have {$130.00} in late fees added to ballance. If account was at  XXXX , with no payments due, then how do I owe 'late fees '.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent a dispute to  XXXX  and  XXXX  in ref to a acct with   XXXX   XXXX   XXXX   over 30 days ago. They are reporting that the vehicle was a voluntary repossession and it was not. I asked the credit bureau to validate the information and to provide me with the names and information in which they used to validate the information. They did not provide me with anything. The balance they are reporting is {$7600.00}. I asked them to please remove it if they were not going to validate and provide me with the requested information that I have a right to under the according to the FCRA

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 2017-05-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I sent a dispute to  XXXX  and equfax in ref to a acct with   XXXX   XXXX   XXXX   over 30 days ago. They are reporting that the vehicle was a voluntary repossession and it was not. I asked the credit bureau to validate the information and to provide me with the names and information in which they used to validate the information. They did not provide me with anything. The balance they are reporting is {$7600.00}. I asked them to please remove it if they were not going to validate and provide me with the requested information that I have a right to under the according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I s ent two n otarized dispute letters to  XXXX  different credit bureau (  XXXX  and Tranunion ) by certified mail. I received notification that both letters were received. Fast forward over 30 days no response from either credit bureau and they did not note that the accounts were being disputed within the 30 days when I would pull the reports several times during that 30 day period. My disputes were ignored.     Transunion never responded but they decreased  my credit score   XXXX  points instead. However there were no new inquires or credit, my credit utilization did decreased, no new late payments or new collection items and no new accounts closed. I never received a response from either credit bureau. They did not delete anything either.     Please see the below certifiied letter USPS tracking numbers.      XXXX  tracking number #  XXXX  Transunion tracking number #  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 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: IN

Complaint narrative:
On  XXXX   XXXX ,    2017, I  sent a certified letter t o Enhanced Recovery Company, LLC a nd  XXXX   XXXX  requesting proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while informing ERC that the debt has been disputed. Note : These certified letters were signed for by bot h Enhanced Recovery Company, LLC a nd  XXXX   XXXX  on  XXXX   XXXX  , 2017.    On  XXXX   XXXX  , 2017, I pu lled my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX  , 2017, I sent  another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I then pulled my credit report again on  XXXX   XXXX ,    2017 after  they signed for the certified letter on  XXXX   XXXX ,    2017 a nd the information has yet to be updated to claim I have disputed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: Professional Credit Management, Inc
State: LA

Complaint narrative:
XXXX   XXXX  ,2017- $   XXXX  - Ca ll  XXXX   XXXX  and ask them to remove this off my credit report because was my Ex-wife Account. she fill Bankruptcy.  XXXX   XXXX  call my Ex-wife  (   XXXX   XXXX   ) a nd said because you fill Bankruptcy we will put this account on your Ex-husband credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: DriveTime
State: GA

Complaint narrative:
I have a XXXX XXXX XXXX with XXXX they told me that the car is worth XXXX my payments is XXXX a month. On the paperwork they did n't have it on there. But yet I signed it and I know that 's a lie. I am on XXXX and the car never really work cause it either stops on me or major fixes on the vehicle since I had the car. I lost XXXX permanent jobs, and constantly temp jobs cause they car leaves me stranded and temp jobs over this problem. They 're scammer in the drivetime sites to get a sale and do not help you. Now that I lost jobs due to the car they want to harass me with phone calls and that 's not right! At first I gave a XXXX XXXX cause it was XXXX and then they talked me into leaving with another car and this car has been failing on me as well. I now put a throttle body in this car, alternator, surpertine belt, 2 new batteries, crankshaft positioning sensor. I now been stranded on the road multiple times and it 's not right. This is my only you means of transportation. All this happened way under a year. Why my bills have to suffer cause of this car and gave to make a decision to pay rent, water and gas, electricity and what I can when I can to get things fixed on this car. This is why Americanshe is poor and ca n't pay bills ... no reliable transportation to work, and the transportation they do have failed in them 70 to 85 % of the time so you have to remain in a lower situation in life just for major companies to live and eat good. DriveTime when they call you they 're nasty, you call them they 're nasty. They do n't do anything for anyone

Company response to consumer: Closed with explanation