vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On X/XX/2017, I sent a letter to XXXX, Experian, XXXX to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated 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 2017-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
I paid a debt back to XXXX XXXX through Hunt and Henriques over a period of 5 years. I just received a letter stating they are filing a lawsuit against me. The original debt was XXXX according to my records, and I have paid that back, plus. On several occasions I asked for information on the original debt along with payment history. In 2016 I was given a very basic printout. I continued to make several payments until the the balance was paid. I never received mail, or telephone calls from Hunt and Henriques until I just received a legal threat. I have phone records to prove they have not contacted me by phone, and I have lived at the same address for 16 years and this is the 1st mail I received from them since the basic printout in 2016. They never contacted me regarding any balance on the debt or otherwise. I believe this collection agency is being unethical and pursing questionable tactics in regard to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: AES/PHEAA
State: FL

Complaint narrative:
I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I CONTACTED THE THREE CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT SO THE FRAUD CAN BE REMOVED FROM MY NAME. I DID THAT AND SENT IT IN TO THE CREDIT BUREAUS, XXXX WAS THE ONLY COMPANY THAT REMOVED ALL FRAUDULENT ACCOUNTS AND INFORMATION XXXX AND XXXX DID NOTHING. I WANT THIS FRAUD REMOVED FROM MY NAME ASAP. THIS INFORMATON IS DEMAGING MY NAME AND CREDIT WORTHNESS. FRAUDULENT ACCOUNTS : FED LOAND SERVICING, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: FL

Complaint narrative:
I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I CONTACTED THE THREE CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT SO THE FRAUD CAN BE REMOVED FROM MY NAME. I DID THAT AND SENT IT IN TO THE CREDIT BUREAUS, XXXX WAS THE ONLY COMPANY THAT REMOVED ALL FRAUDULENT ACCOUNTS AND INFORMATION XXXX AND EXPERIAN DID NOTHING. I WANT THIS FRAUD REMOVED FROM MY NAME ASAP. THIS INFORMATON IS DEMAGING MY NAME AND CREDIT WORTHNESS. FRAUDULENT ACCOUNTS : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 2017-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Where do i begin?
for years i have been applying and asking for a modification on my home. for years i have been denied for whatever reason given. when OCWEN finally decided to offer me a modification my payment when   XXXX   XXXX   dollars higher!! as long as i know a modification and asking for an affordable payment does not mean allowing my payment to go higher almost twice as much as it already was. calling in today with OCWEN i was told that my house went to sale at   XXXX   XXXX   ET time. and that the sale date was scheduled on  XXXX - XXXX -2017 since  XXXX - XXXX -2017 there were 2 conversations, one on  XXXX - XXXX  &  XXXX - XXXX  where i was lied to and told that there was no sale date scheduled. Listed below are the representatives that were spoken to and the comments date and time. please contact OCWEN and have then pull the conversations so you can hear for yourself that we were advised that there was not sale date scheduled on property.
 XXXX / XXXX /2017,   XXXX   XXXX   NOTE [ n ] - LENDER CALL : OCWEN SPOKE WITH :   XXXX    XXXX  IN HOME RETENTION FORECLOSURE : HOLD SALE DATE : N/A  XXXX / XXXX /2017,   XXXX   XXXX    NOTE [ n ] - LENDER CALL : OCWEN   XXXX   SPOKE WITH :   XXXX   XXXX    XXXX  IN HOME RETENTION FORECLOSURE : HOLD SALE DATE : N/A I recently received a notice dated for the month of  XXXX  that i had the opportunity to appeal the denial and within a matter of 2 weeks my home went to sale. why would i be given the opportunity to appeal a decision to keep my home and be foreclosed on at the same time. i really need help to get my home back. this is not fair. i am a minority and an immigrant, a hard working tax payer. i did not want this to happen to me.
the following representatives denied any assistance and were lying to me about the conditions and all details of the account  XXXX   XXXX  - Refused to transfer me to management.
  XXXX   XXXX    XXXX  is manager she eventually transferred me to lied by saying could not escalate.
  XXXX     XXXX  lied repeatedly about how to escalate.
At this point i need all the help i can get in order to get possession of my home once again.

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 2017-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
over the life of the private loan for my classes at   XXXX   XXXX  , there have been many instances when due to job loss. I was always steered toward non-income driven options. so since  XXXX , my {$5000.00} loan is now at {$5100.00}, even though I have made years of payments. they even raised the interest rate from 11 % to 12 % ... I am not even sure when they did that. today, ( XX/XX/XXXX ) I logined into my accound and noticed the higher interest rate. now its only 1 % but do n't they need to notify me of this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
In XX/XX/2017 I disputed a unknown collection on my credit report with the 3 credit bureaus. Two weeks later the debt came back verified. I then mailed a letter to XXXX XXXX asking them to validate the debt. Asking for proof they own the debt, proof they are licensed to collect in my state, and the original aggreement showing I have an account with them showing my signature for the {$2200.00} collection on my credit report. They sent me a one page computer generated statement. I then redisputed the collection again with the credit bureaus, and they again verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
Around on or a bout   XX/XX/XXXX , I received a phone call from a collection representative by   XXXX   XXXX  , he advised me he was calling from FCO - Fair Collections & Outsourcing Inc. about a debt with  XXXX  (  XXXX  )   XXXX   XXXX  . I advised him that I never lived at the residence he was speaking about and stated that this was fraud. After the call, I checked my credit report only to see that a judgment had been entered against me on XX/XX/XXXX  in the amount of {$2300.00}, in  XXXX  District Court. I called back immediately, and spoke with another representative, in which, I provided him with this information as well as the reference number   XXXX   XXXX  . A few days ago, I received a credit alert upon checking, it shows that this company has put this on my credit report with the dollar amount of {$4000.00} and the account was supposedly, opened on  XX/XX/XXXX .
I called again on XX/XX/XXXX , and spoke with   XXXX   XXXX    again, once again, I provided him with the same information and asked him why they put this on my credit report and the amount and opening date of this account is wrong. I asked him how can you put an account on a person credit report with wrong information. He said that I need to fill out some paperwork and I did n't so therefore, they had the right to do so. The paperwork is about fraud because, I told him that this account was n't mines. I am still trying to get this matter straightened out. However, I want them to remove this account from my credit report since, it is already showing the account has a judgment. I want to know how, they can change the amount from the judgment entered by the same company. Please investigate this company!

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 2017-08-01 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: MT

Complaint narrative:
A creditor from 9 years ago levied my bank account so I tried to set up an account with Experian.com, view any other outstanding debts on my credit report and make sure all old debts were paid. I had trouble doing so and Experian told me I already had a paid credit report account with them, which I was unaware of. When I finally got to see my credit history I was dismayed to see @ $ XXXX in unpaid debt but further disturbed that someone had been paying to see my debt for two months. Someone was paying @ $ XXXX/month and had used my name, ss # and DOB, an email I have never seen, a fake phone number and fake security questions to obtain ( 4 ) bi-monthly credit reports on me. I contacted Experian.com and they reconciled the account so I could see the fake information which included the last four digits of the credit card on file which was being used to pay for the account. Experian told me they could not release the name associated with the card. I filed an FTC ID Theft Report and tried to file a police report but was informed since no money had been stolen there was no crime. Experian.com amended the fake account so that I could see information about the unauthorized creation of the account but they could not provide me the name on the credit card of the individual who created the account, only the last four digits of the card and expiration date. Credit report information on me was illegally provided from Experian.com to an unknown individual on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, 2017. The information in my credit report was visible to the thief and a link mailed to an email address. I did not open or authorize this account, and I requested information regarding the individual who did open the account verbally from Experian.com on XXXX XXXX, 2017 and sent written request of such information on XXXX XXXX, 2017.

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 2017-08-01 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: TX

Complaint narrative:
I have contacted all 3 Credit Reporting Agencies via USPS on several occasions asking them to provide me with the " ORIGINAL '' signed documents sent to them by the original creditor/furnisher for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$8600.00} Under Federal law the Fair Credit Reporting Act ( FCRA ) requires the Credit Reporting Agencies ( CRA ) keep the " ORIGINAL '' signed documents submitted by credit reporting agencies/furnishers on file. Under Federal law FCRA Section # 609 also requires CRA to verify " ORIGINAL '' signed documents to validate the validity of the account before they report in to the consumers credit report. Section # 610 of the FCRA requires the CRA provide the consumer with the " ORIGINAL '' signed documents submitted by the credit reporting agencies if it is requested in writing, within 30 days of the written request. I have been requesting the above mentioned documents since XXXX 2017 and have yet to receive ANYTHING from the Credit Reporting Agencies. I am once again asking Experian to provide me with the " ORIGINAL '' signed documents submitted to them by XXXX XXXX XXXX in the amount of {$8600.00}. If the Credit Reporting Agencies can not provide me with the " ORIGINAL '' signed documents I demand that they delete/remove this account from my credit report. If this account is not removed my credit report within the allowed 30 day period my next course of action will be to hire an attorney and file a law suit. Any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act ( FDCPA ). The law is very clear to the civil liability and the remedy available to me for the " negligent non-compliance '' ( Section # 617 ) if the Credit Reporting Agencies fail to comply within the laws.

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 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Empowerment Ventures, LLC
State: VA

Complaint narrative:
An auto loan company that I had done business with in the past charged my card XXXX XXXX 2017 for  XXXX. I disputed the charge because I did not authorized this payment from the company nor was I set up on any kind of auto pay. XX/XX/XXXX I was informed the case was closed and my debt card company found no error in the charge. I sent in a rebuttal letter because I did not agree with this decision. Again it was denied. Then the auto loan company called me and advised they just received a dispute from my card company XX/XX/XXXX. They conducted an investigation on their end and advised that the charge was not authorized. I sent in another letter to RUSHCARD SERVICES and a manager told me no matter how many letters I send in the charge will not be reversed. Her name was XXXX in XXXX. I then took my efforts to social media, the company at that time reopened my case. The auto loan company stated they cant refund me the money because the funds was taken back by the merchant back on XX/XX/XXXX. I was not given any credit from the prepaid card company and they are saying I still have to wait another 30 days after the first investigation was never looked into.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VT

Complaint narrative:
Since XX/XX/XXXX, Comenity Bank has called me repeatedly (sometimes hourly) from the following phone numbers:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

If I block one number, they call right back from another one. When I answer the phone,I ask for them to please contact me in writing. They hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have tried for the last 4 years to get my XXXX credit report from XXXX  and it never works, while XXXX and Equifax work every time. I tried again several times after receiving my other 2, and once I enter my name and address info XXXX ( again ) fails with this message : A condition exists that prevents XXXX from being able to accept your request at this time. To obtain your XXXX annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX I see this message in complaints all over the Internet. My information is not wrong - it works consistently with the other 2 bureaus. Equifax has had complaints online dating back to the beginning of the requirement for this site. I would like to know why they are able to avoid the law while the other 2 bureaus are playing fairly? I should not have to mail sensitive info to receive my report when this site was specifically set up to do this for me securely. I have even tried variations on abbreviations in my address, tried my old address without my new one ( lived here 1 yr ), tried just my new address, and with/without my middle initial. Someone needs to force them to be compliant ( XXXX ) and make them fix their code. Forcing people to mail them usually means people will either skip them ( saving XXXX time ), or actually go to XXXX or one of the scam sites and pay for what the government says is a mandated 1 per year free report. At best, people lose money for something that is free, at worst they get confused by all the scam credit reporting sites and get conned into paying a lot of money for their " free '' report. Please make them play nicely as they are required to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: TX

Complaint narrative:
I have a Discover credit card account, and on my statement I noticed a purchase on XX/XX/2017 from a clothing company in Arkansas. I did not recognize the charge. I immediately notified Discover and they began an investigation. On XX/XX/2017, I received communication from Discover stating that " The dispute was previously resolved in your favor, but after reviewing this new documentation ( from the merchant ) we 've determined that the transaction is valid ''. I have also reviewed this " new " information provided to discover from the merchant. On one page the merchant says it was a telephone/mail order. Then a hand written note states the order was made by e-mail. The merchant complains the charge back was invalid and now Discover has reversed its decision. A matter of note, much of the documentation from the merchant is unreadable due to small type and poor copy quality. Also, on one page the merchant is named as " XXXX XXXX '' and on another page as " XXXX XXXX XXXX ''. The purchase in question is listed as clothing. I absolutely did not order clothing from this company. I do n't see anything new here, just contradictory information and/or statements. Discover also states, '' We are required to report your account to the Consumer Reporting Agencies as a disputed account ... '' This appears to me as a muted attempt to intimidate the customer into removing the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX was removed, paid in full and removed XXXX XXXX 2017. Through XXXX. The amount was XXXX. I was sent confirmation it was removed and paid in full from XXXX dispute service. After paid I waited and disputed to have it removed. Somehow miscommunication happened. Then it Reappeared, showing I was disputing a paid item. Now I look again it 's back on there as owed. It went from paid, removed, to paid, that I was disputing it was paid. To now a balance is showing again. I 've sent to transunion multiple times, it 's Been ignored. Then there is XXXX XXXX reappeared on XX/XX/XXXX. It had been removed years ago for inaccurate information and wrong amount. I have copies of credit report with this not on it. All the sudden it 's there. The original account was reported in XX/XX/XXXX. I called Transunion a week ago when I first seen it. They assured me they seen nothing opened on XX/XX/XXXX. Now it 's showing on all 3 bureaus.

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