vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I faxed documents to XXXX and am writing because my credit report is not accurate, I have attached my birth certificate, ssn, and a recent police report number from a incident in which I was almost killed, but thankfully Im still alive. Your records have revealed to companies Im deceased and this is untrue. 
Under Missouri state law I am also entitled to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is inaccurate because of fraud. I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. 
As you are aware I have made numerous attempts to get you to correct my credit report. Your records stating Im deceased has caused a delay in income tax services, among other things and has harmed me severely financially.

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 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NV

Complaint narrative:
My wallet was stolen which has resorted to my identity being stolen and someone obtaining a mobile phone in my name this is not mine. Its reporting on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX continues to call me. I owe around {$480.00} on a credit card debt and the debt has been passed to them. As of and including today, XX/XX/2018, they have called at least once if not more every single day. I requested they communicate only through mail. They have not complied. I requested they stop contacting me, and that further contact would be considered harassment. They attempted to tell me they could call any time they wished and that it wasnt harassment. I also have been unable to get any information on disputing the debt from them, they will not provide it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am again reporting Experian for continuing to report false information without validating the information they receive.

Although I have sent several pieces of documentation to Experian over and over and time again, they continue to allow these companys to insert inaccurate information into my credit file which violated the FCRA guidelines.

I recently submitted a complaint in which Experian came back and responded that " The disputed account information has been permanently blocked at your request, or the accounts do not appear on your credit report at this time. '' The accounts in question were : XXXX ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with Experian and reinserted under a different name to XXXX . 

XXXX XXXX ( formerly XXXX XXXX ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name. 
BOTH ACCOUNTS ARE REPORTING AS PENDING ... .NOT DELETED AS REPORTED TO CFPB In addition to that Experian has reinserted two old accounts : XXXX XXXX XXXX XXXX ( TWO ACCOUNTS ) back onto my credit report after I have submitted documentation showing that these loans were in deferment at the time they are reporting late payments. INSTEAD of updating with the corrected information, they reinserted with the same FALSE reporting -- -which violated FCRA guidelines. 

Experian also reinserted incorrect addresses and names which I have repeatedly informed them were incorrect or non existent : Addresses : XXXX XXXX XXXX XXXX, XXXX TX XXXX ( reinserted ) XXXX XXXX XXXX, XXXX TX XXXX ( non existent ) Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX This is ridiculous that I have to continually fight with this credit bureau because they will not do their due diligence and properly investigate and validate the accuracy of these accounts and my information.

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 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
This complaint is in regards to the offer of a trial modification. Payments of {$1300.00} for 3 months starting XX/XX/XXXX through XX/XX/XXXX. I can not afford to pay this. On XX/XX/XXXX, I spoke with XXXX of the Relationship Manager Department. ID XXXX. The payment of {$1300.00} is unreasonable. I need a payment between the 25 % - 31 % range of {$750.00} to {$800.00} per month. This Streamline Modification does not work for me. XXXX XXXX XXXX, Relationship Manager called me on XX/XX/XXXX regarding the Modification Agreement. XXXX XXXX stated that the Interest Rate would remain the same at 4.125 %. The arrears would be put on the end of the loan, and there would be a balloon payment at the end. I explained to XXXX XXXX, that I could not afford this payment. XXXX XXXX also proposed a Down Payment of {$2600.00} then payments of {$1800.00} per month for 12 months to repay the arrears. This is totally unreasonable. I can not afford this Repayment Plan as proposed by Ocwen/XXXX XXXXXXXX XXXX. I spoke with XXXX XXXX of NACA, who is an advocate on my behalf with Ocwen. XXXX XXXX did not appear to see my stress with these proposals which were made by Ocwen and Representative XXXX XXXX. XXXX XXXXXXXX, Supervisor at NACA will visit with Ocwen on XX/XX/XXXX and will present my proposal to Ocwen. XXXX XXXXXXXX did not give advice that is helpful to me as my advocate. XXXX XXXX said she would call me after she speaks with Ocwen on my behalf. I need help from CFPB to assist me to keep my home, and assist me in getting a good interest fixed rate or leave the interest rate the same and lower the principle, and reduce my payments for the duration of the loan to {$750.00} per month Fixed. I have requested the name and address of the Investor/Investors who hold the loan, and have been denied this information. I am updating this request as of today 's date. Please send me the Investor/Investors address, name, telephone number who holds the mortgage for the captioned property. This is my second complaint filed against Ocwen Loan Servicing, LLC and the Investor/Investors who hold the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-05-17 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I sold and mailed an item to a buyer using US postal services to send. The buyer never asked for tracking, despite my asking them to do so.

The item was mailed and payed for thru Paypal 's money service.

The buyer states they never received the item and filed a complaint with Paypal. I responded to the buyer 's complaint by providing PayPal with copies of the US Postal mail receipts and as it was sent oversees the customs form copy showing the address the item was mailed to.

Paypal wrongly sided with the buyer and is trying to wrongly collect a {$2.00} charge, which is the difference of the {$48.00} charge they reversed charged to my account.

I called them to dispute the charge and was told by their operator, verbally they were pursuing collections actions against my me for the {$2.00}.

This is wrong, I did as I was supposed to mailing the item as the customer requested, they not receiving it in their country is not my fault, and Paypal is taking the easy way out by trying to wrongly collect a debt on a US individual as they I believe can not go after the foreign person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
In XX/XX/XXXX we contacted home Point Financial which is our mortgage servicing provider to ask them about a forbearance program due to Hurricane Irma. We were advised in XX/XX/XXXX early XX/XX/XXXX that we were approved for that but that we would have to repay that come XX/XX/XXXX. However, my husband lost his job due to the company closing and then contacted home Point again to ask them to start the benefit package through the VA to cover a mortgage until he gained employment again. We then waited and waited and waited made multiple phone calls in regards to the package they were supposed to mail us out to fill all of this documentation out. We finally received the package late XX/XX/XXXX. We filled it out sent it in and was requested by them multiple times to continue to update the information because it had been so long since they have looked at the package. There was never one direct point of contact for me to call and follow-up with. Then in XX/XX/XXXX when my husband gain employment I went to log on to make an online payment and they had locked us out of the system. Then from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX until now I was calling them asking to make a payment and they told me I could not do so because we have been in underwriting and we were told to wait until we had a decision. Then, yesterday I received a call from XXXX  at home Point Financial and she stated that we were denied the VA package due to income ratios. She then stated that they would start the foreclosure process and it could be done in weeks if not months. I then contacted XXXX at the VA and she pulled up our loan information and saw that we've had no modifications and nothing done to her alone so that we are still in the parameters of receiving benefits to prevent foreclosure from the VA. We are doing everything we can following up with phone calls trying to make payments and here we are being told that we have no other options. But I know that there are!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I had leased a Hyundai XX/XX/XXXX for three years. Paid all payments on time and took very good care of car. Lease ended XX/XX/XXXX. Returned and they asked me to take another car. I said I could not at this time because of health problems. I had XXXX for XXXX XXXX and have many medical bills. They checked my car found no problems, they gave me a paper for surrender dated XX/XX/XXXX. Just today I received a bill for XXXX. dollars for a disposition fee.They said it was in the contract which I had signed. They wanted the payment in 15 days. I explained my financial situation with medical bills and I could not pay. The girl I spoke with said this was in the contract I signed and wanted to know if my doctor said I could not drive. I said I could but I have many medical bills and could not take another car. Now I am upset and do not know how I can pay now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: DE

Complaint narrative:
FRAUD INQUIRIES THAT I DISPUTED WITH ALL CREDITORS LISTED THAT A FRAUD AND TO BE REMOVED AND NOT ONE CREDITOR HAS REMOVED THE INQUIRIES NOR HAS TRANSUNION >>>>>XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX   XXXX XXXX Inquiry : XX/XX/2018 National Credit Cards/Airlines ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 Finance ( XXXX ) XXXX   XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX  ) XXXX   XXXX Inquiry : XX/XX/2018 National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2018 Finance ( XXXX  ) XXXX   XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX   XXXX  Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/2018 National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/2018 Finance ( XXXX  ) XXXX Collections

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 2018-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient keeps increasing my interest rates and monthly payments without any forewarning or posted reason. The loans ' interest rates jump to over 15 % interest at times. This is ludicrous and I will never be able to pay off my loan at this interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX continues to call me. I owe around {$480.00} on a credit card debt and the debt has been passed to them. As of and including today, XX/XX/2018, they have called at least once if not more every single day. I requested they communicate only through mail. They have not complied. I requested they stop contacting me, and that further contact would be considered harassment. They attempted to tell me they could call any time they wished and that it wasnt harassment. I also have been unable to get any information on disputing the debt from them, they will not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
You are reporting 3 accounts that are not mine showing as closed on my credit report. Remove them from all 3 credit agencies immediately and cease reporting under these closed accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
So from the beginning which is 2 years ago i tried to get a good plan with them but everything they offer just was plan for failure. So i start to pay what they wanted which was XXXX a month. Im located in XXXX tx so XXXX hit inn XX/XX/XXXX, i went to make a on XX/XX/XXXX payment like i always do every month and it said that navient was not taking payments my account was on hold. Month later i call to make a payment, samething my account was hold and of course navient never told me they would do this, so without my consent they put my account on hold XX/XX/XXXX came around and now they said im behind and that is XXXX now not XXXX and of course interest been piling up. So of course im beyond frustrated, but of course i continued to pay my debt. So XX/XX/XXXX i call to make payment for XXXX while im in the hospital and automatic machine is saying im behind payment, which i know i payed on XX/XX/XXXX, so now we are at XX/XX/XXXX and im not sure if i should continue with payments because im always seem to be behind but my bank statements said otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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:
Disputed errors on y credit file and the results came back as verified with Equifax the following address XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX  XXXX XXXX. XXXX, Ga XXXX and the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX ( for Zales ) continues to call from blocked numbers, no caller ID numbers or spoofed phone numbers. The person calling acts as if they are a personal friend before engaging in debt collection information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
You are reporting 3 accounts that are not mine showing as closed on my credit report. Remove them from all 3 credit agencies immediately and cease reporting under these closed accounts

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 2018-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
On XX/XX/XXXX I made a large purchase with my XXXX Credit card. It was order number XXXX and the amount was {$1500.00}. The order was messed up completely. Parts of it arrived damaged, parts of it arrived with pieces missing and one item, a table was not delivered for several weeks and then when it was finally delivered we were basically told that we could not inspect it and there were scratches in that. My wife and I each contacted customer service several times. Initially they refused to accept returns on the items and then they later said they would give us a 50 % refund. Several weeks passed and we were contacted by customer service to confirm that the table was finally delivered on XX/XX/XXXX. We informed them about the nightmare we had experienced. We also informed the customer service representative that we had been offered a 50 % refund and were given a very difficult time with the customer service representative claiming that they needed to pull calls and would not offer a refund like that. 
We would like to invoke the special rule for credit card purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am the victim of fraud and your company is reporting inaccurate information to credit agencies. I demand you cease and dismiss the closed accounts, I only recently learned about while trying to open real accounts. Remove all the closed account Infofmation immediately.

Company response to consumer: Closed with explanation