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 — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Myself a s well as a paid firm (  XXXX   XXXX  ) has repeatedly disputed  XXXX  negative item that only Equifax refuse to delete. On   XX/XX/XXXX ,  I spoke with a Equifax dispute  rep.  Who advised that she would dispute the erroneous account for   XXXX   XXXX   XXXX    formerly known as   XXXX   XXXX   XXXX    XXXX   XXXX  ( Account #  XXXX  ) ( Dispute reference #  XXXX  ).     After calling in on   XX/XX/XXXX     to verify that the dispute process had started I was advised that the creditor verified that the information they provided is accurate. At that time I again explained that the account was erroneous as the monthly payment, the past due amount and the status 120 days was all frivolous and I need written proof verifying how they proved that this information was in fact correct. At that time another investigation was started and I was provided with dispute reference #  XXXX .     I again wait ed 24 hours and c alled back into Equifax to verify that the process had in fact started as was advised they had already disputed the account and that the creditor had verified the informati on. Might  I add, during thi s 2nd request  I provided my original contract showing my payments as well as additional information. It was know way possible this could be verified as accurate.     After major frustration and countless hours of trying to get the issue resolved myself, I broke down and paid  XXXX   XXXX  over a {$100.00} to intervene. I provided  XXXX  Law with my original contract and Bankruptcy documents dated back in   XX/XX/XXXX   showing that the loan was part of a BK and that the creditor is reporting every month for the past year that I was 120 days late and that my payment is {$200.00}. All of this information is erroneous.     On   XX/XX/XXXX ,  Equifax came back once again advising  XXXX   XXXX  that the account was valid and they are reporting the account accurate. After my providing proof and requesting proof from Equifax as to how   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  verified the account I was told that my claims where frivolous and I did not receive any information from Equifax verifying the process used to validate this account.     Furthermore, Equifax refused to dispute and remove the fraudulent inquiries dated after providing information from the FTC as well as a police report.       XXXX   -  XXXX   XXXX   XXXX   XXXX    XXXX   -  XXXX   XXXX   XX/XX/XXXX    -  XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    -  XXXX   XX/XX/XXXX    -   XXXX   Please assist me with this issue as I can not offered to keep paying attorneys for something that has been proved numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I paid-off my installment loan on  XXXX / XXXX / 17 .  Prosper  does not want to give me a pay-off statement. Please help me. Thanks  Loan  #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
On XXXX XXXX 2017 at XXXX I received a call on my cell phone from XXXX but was not able to answer the call. Later that day, at XXXX, the number called again. This time I answered the phone with my name and the caller asked for XXXX XXXX. I responded that they had dialed the wrong number. They asked if I knew XXXX XXXX and I responded that I did know her ( she is my sister ). The caller said he was from CBE ( or something like that ) and had an important business matter to discuss with XXXX XXXX and he asked me to give him her number. I refused since I have no idea who this person is. After this phone call, I received several other phone calls from these numbers. I received a call from XXXX at XXXX on Saturday, XXXX XXXX 2017 and did not answer it. I received a call from XXXX at XXXX on Monday, XXXX XXXX 2017and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Monday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX, 2017. I was able to answer the call. When I answered, the woman asked for XXXX XXXX. I told her This is not XXXX XXXX phone. Please do not call me again. I have already reported your company to the Federal Trade Commission

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This involves a closed " derogatory '' account on my Equifax bureau report.     The original creditor,   XXXX   XXXX   XXXX  , reported a past due credit card account to the Equifax  bureau  in  XXXX . In  XXXX ,   XXXX   XXXX   XXXX   sold this account to a debt collector,  XXXX   XXXX . This account has since ( and is currently ) reported as an " open collections '' on my Equifax credit bureau report under  XXXX   XXXX .     The problem that I have is that the original   XXXX   XXXX   XXXX   account is still listed on my file as a " closed account. '' So I 'm being penalized for the same credit card account twice - once as a   XXXX   XXXX   XXXX   " closed account '' and once as a   XXXX   XXXX   " open collections account. '' It 's my understanding that this is " double jeopardy '' where I am being affected twice by one single account.     While Equifax did an initial investigation via a prior CFPB dispute, they determined that the "   XXXX   XXXX   XXXX   '' closed account as verified and it remains on my report. I am not disputing that I have a credit card collections matter with   XXXX   XXXX   XXXX  . But this matter is reported as an open account, "  XXXX   XXXX . '' Therefore, per the " double jeopardy '' credit reporting statute, the original "   XXXX   XXXX   XXXX   '' closed account should not, simultaneously, be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates, LLC attempting to collect debt on unverified account. Asked them for specific information concerning debt - and  a copy of a statement was shared,  XXXX   XXXX ,  2017  However, they remain in violation. I asked them to remove the unverified accounts listed below that remain on my credit report in violation o  f 15 U.S.C. 1681.
Asked to authenticate the documents the files that were used to verify the disputed accounts. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them?
Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
They 've ignored my request to provided me with the documents they in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cunningham Law Inc.
State: IL

Complaint narrative:
We wrote back  to Cunningham l aw inc. that we where disputing a claim.they report this claim to a collection agency in amount of  XXXX  without judgement and without notifying that this claim is being disputed.then we wrote a letter of cease and desist letter to stop the harassment and threats that are still continuing.this has been on going  for three years.this is stemming from a landlord that had no control over serious issues that he wouldnt do anything about we phoned him multiple times after months I wrote him a letter and phoned him multiple times that we  where departing from the premises we where paid in full on departure and kept are security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Byrider Franchising, LLC
State: WV

Complaint narrative:
In  XXXX   XXXX , I purchased a  XXXX   XXXX   XXXX  and  XXXX  van after my previous car was totalled in a accident. I had a remaining balance of a little over {$2000.00} after insurance paid. So that remaining balance was transferred over onto my new loan. I was told that my payments would be close to {$400.00} each month until the remaining balance on the other car was paid off, then my payments would be lower. Within  XXXX  hours of having the van i heard squeeking and crackinf noises and called the next day to bring it into the shop. I was told by the service  manager that new parts had been placed on the car and that w as the problem so I dealt with the noise until it became unbearable and after multiple trips to the shop and my thermostat going out after afew weeks of having the van they told me what was the real problem. So I paid and had {$800.00} worth of work down. Then I decided to take a trip out of town and halfway there my van started making crazy noises and finally broke down while I was in Texas. I was stranded there for  XXXX  while things like my waterpump, tension belt and alternator we fixed. Since I 've had this vehicle it has broke down on me  XXXX  different times and I have several tows. I called afew months into my loan agreement after being without transportation the second time if i could just give them the vehicle back without penalty and I was told if i missed any payment regardless if i parked it back on their lot they would sue me for the remaining balance.   XXXX   XXXX   I was driving a my tv in my passenger headrest began to smoke and i pulled over on the interstate and pulled my kids out of the car because my rug near the passenger seat was on fire. I took the car into the shop the next day and was told that there was nothing they could do but disconnect the wires because the tvs had been installed by a previous owner and it wasnt covered under warranty. I have tried multiple times through various dealerships to trade this vehicle in and no one will take a car that is worth {$1500.00} and still has a {$8000.00} remaining balance on it!! I can not afford this bucket of bolts anymore and now the warranty is about to expire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I applied  XXXX / XXXX / 17  which I was declined due to incorrect information on my credit file. I then applied again on  XXXX / XXXX / 17 . I contacted  Wells Fargo explaining the information on my credit file was not correct. I challenged the information on my file which was removed, contacted Wells Fargo Executive Office, and  was told to re-apply thus they would pull the corrected credit report. I did so  XXXX / XXXX / 17 , I explained this to the agent on the phone and assured me that this would happen. Upon calling back, I was informed that I was declined for the same reason as the original with the incorrect information which had been removed and verified that  Wells Fargo had not pulled my updated credit report. I called back and spoke with a manager. He th en escalated the issue to underwriting who refused to pull the corrected information. Thus, in violation of the FCRA, I was placed in contact with  XXXX  from the  Executive Office at this time. I did inform Wells Fargo that this would be escalated to t his office.

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 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: OH

Complaint narrative:
Company name hunter warfield amount attempted to collect is {$2000.00} dates appeared on credit agencies  XXXX   XXXX ,2017. Balance is invalid coming from a previous apartment complex that I moved out of and put in a 30 day notice due to someone repeating breaking into my home, called the police several times due to the break ins. I have spoken to the  landlord and was informed that the balance will be taken care of due to the circumstances of why I moved out. Hunter warfield continues to call me after I have explained that the situation has been taken care of and the rental company will be contacting them. They call everyday all day from different numbers. They are   XXXX   my life with the calls as if the break ins was n't enough  XXXX . Just want it to st op so I can move on.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on  XXXX   XXXX   Capital one  received a ceritifed letter from me requesting validation on this debt for the amount of  XXXX  that shows charged off. As of today i have not received any notification of any sort regarding this validation of debt showing my signature. In looking at my credit report today,  XXXX  does not show this marked disputed ( in violation of law ),   XXXX   says resolved by grantor ( my dispute was never answered ). How did they resolve it?  XXXX  s hows notes resolved by subscriber ( my dispute was never answered ), which has never been resolved. The information Capital one has given the CB (   XXXX   XXXX   XXXX   ) are false, as this has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX   XXXX ,  2017  Sent a QWR to these companies.     OCWEN Loan Servicing LLC  XXXX   XXXX   XXXX  I have not gotten any answers to my request. I did get a print out of something but no answers to the questions I asked on the QWR of  XXXX   XXXX ,  2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
i have store account with macys. Macys called my parents which i dont know they got the number gave my dad my acoount balance.

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 2017-05-24 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: Avant Credit Corporation
State: CA

Complaint narrative:
I received notification on  XXXX / XXXX / XXXX  from  XXXX  Identity Monitoring services that an account had been opened w/ Avant Credit under my SSN and maiden name. I received notification fro m Avant shortly after confirming the credit application had been processed. I promptly contacted Avant Credit and al erted them to the fraud. They requested that I complete a Victim 's Complaint & Affidavit form at their request which I provided to them along with a copy of the police report I obtained at their request on  XXXX / XXXX / XXXX . I also contacted the (  XXXX   )  credit bureaus to report the fraud and provide copies of the affidavit and police report. I continued to receive collection notices from Avant during the period of  XXXX   XXXX   XXXX . I contacted Avant 's compliance department multiple times and provided them with a second copy of the affidavit and police report on  XXXX / XXXX / XXXX  and requested again that they close the account and notify the credit bureaus. I received an email from Avant on  XXXX / XXXX / XXXX  confirming receipt of all documents and stating they would contact  XXXX . I responded on  XXXX / XXXX / XXXX  alerting them to the fact that the delinquent account was shown on my   XXXX   XXXX   XXXX   reports as well and that I expected them to remedy the situation w/ all  XXXX  credit bureaus. I ran my   XXXX   credit report today (  XXXX / XXXX / XXXX  ) and the account is still showing as open and delinquent so I contacted Avant yet again to ask them to close the account on their end and notify   XXXX   as I requested on  XXXX / XXXX / XXXX . Customer s ervice representatives at Avant continue to refuse to allow me to speak w/ anyone in the Compliance department or provide me with any sort of documentation confirming that they 've actually closed the account and notified the credit bureaus. Avant 's identity verification process is extremely sloppy which is why this fraud was able to occur in the first place and has been extremely unhelpful in resolving this issue despite all the documentation I 've provided them ( including a police report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
On    XXXX   XXXX   XXXX  ,  I spoke to  2 differ ent representatives about my accounts regarding late payments. I was informed that on these dates my loans were covered by forbearance. However, I was told that even though the dates were covered by forbearance, the company would not remove the late paymemts noted on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a credit Ca rd at Chase and got declined. I have a credit score  above  XXXX  and was told that I had opened too many credit cards. I asked if that was their policy "  XXXX  at lending '' stated that it was CHASE policy and there was nothing I could do about it. I asked for a copy of the policy or if she can tell what the policy was. In essence I wanted to know how  many ( a number ) credit card s were too many. She stated that she could not disclose that. I mentioned that I needed to know so that I do not go through this problem ever again. I asked if this was an industry wide thing or just a CHASE thing, again she stated that she could not disclose that either. For a publicly traded company all policies when it relates to consumers and their credit should be disclosed. If I had been told that if you open " too many credit cards '' you will be declined i Would not have applied. It is imperative to know how many is too many as a decline shows as a derogatory on y our credit score affec ting my ability to get better terms with creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I received notification on XX/XX/XXXX from XXXX Identity Monitoring services that an account had been opened w/ XXXX XXXX under my SSN and maiden name. I received notification from XXXX shortly after confirming the credit application had been processed. I promptly contacted XXXX XXXX and alerted them to the fraud. They requested that I complete a Victim 's Complaint & Affidavit form at their request which I provided to them along with a copy of the police report I obtained at their request on XX/XX/XXXX. I also contacted the ( XXXX ) credit bureaus to report the fraud and provide copies of the affidavit and police report. I continued to receive collection notices from XXXX during the period of XX/XX/XXXX-XX/XX/XXXX. I contacted XXXX 's compliance department multiple times and provided them with a second copy of the affidavit and police report on XX/XX/XXXX and requested again that they close the account and notify the credit bureaus. I received an email from XXXX on XX/XX/XXXX confirming receipt of all documents and stating they would contact XXXX. I responded on XX/XX/XXXX alerting them to the fact that the delinquent account was shown on my Equifax and XXXX reports as well and that I expected them to remedy the situation w/ all XXXX credit bureaus. I ran my Equifax credit report today ( XX/XX/XXXX ) and the account is still showing as open and delinquent so I contacted XXXX yet again to ask them to close the account on their end and notify Equifax as I requested on XX/XX/XXXX. Customer service representatives at XXXX continue to refuse to allow me to speak w/ anyone in the Compliance department or provide me with any sort of documentation confirming that they 've actually closed the account and notified the credit bureaus. XXXX 's identity verification process is extremely sloppy which is why this fraud was able to occur in the first place and has been extremely unhelpful in resolving this issue despite all the documentation I 've provided them ( including a police report ).

Company response to consumer: Closed with explanation