vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would post within a day or  two, but  then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporting company, t hat one of my payments had been listed as default of 30 or more days. I find it extremely odd that they would wait until a year or more later to change m y credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would pos t within a day or two, but then so metimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I w as notified from my credit reporting company, that one of my payments had been listed as default of 30 or  more days. I find it extremely odd that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected

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 2017-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: CA

Complaint narrative:
I recently discovered tha t Credit Protection association has decided to report on my credit report and attempting to collect the same debt twice. They  are misrepresenting the balance to double the actual amount. I have  one  debt with them for {$280.00} and they are reporting I owe them {$570.00}, by adding a second account that does not exist. They recently did this after we disagreed on the account details. It 's absolutely insane that they are retaliating by adding an extra non-existent debt to my credit record as a way to retaliate against me. This is unacceptable. I am attaching a screenshot of the double reporting. How convenient that they decided to report this recently.

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 2017-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/XXXX received a personal loan from huntington bank and the loan manager offered me a life protection insurance to protect us if one of us was killed. He asked if I had any diseases and told him had XXXX XXXX and he then gave me the insurance protection for my life for duration of loan as part of the loan. we thought we had life insurance coverage for the loan of XXXX as part of loan. on record date XX/XX/XXXX was sent a notice from huntington with another offer for life insurance/XXXX to cover the loan amount of XXXX we called the loan manager and was told we had the life insurance coverage and no need to complete unless we wanted XXXX insurance as both life insurances would not pay for the loan but each 1/2 if should die. unfortunately end XX/XX/XXXX my husband passed as a result of a XXXX XXXX and an extended delay from XXXX XXXX XXXX. asked for the process of the claim and was told they would not honor the claim as we had misrepresented my husbands health condition 2 years prior to us applying for loan and offered the life coverage. we had not done so. my husband did have XXXX XXXX and we revealed this to loan manager. applied for loan to be covered by the insurance on XX/XX/XXXX case # XXXX now called XXXX XXXX life claim. on XX/XX/XXXX they sent out a denial stating that he was not eligible for the protection when he applied although we had paid almost 3 years in premiums. the denial was because we signed a form saying my husband had none of the following in past 2 years. " during the past 2 years have you been treated for, or been told you have a XXXX XXXX or XXXX XXXX ; XXXX or XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX or XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ( XXXX ) or XXXX related XXXX XXXX XXXX XXXX ( XXXX )? '' as his spouse and do believe his physicians would have answered this question as no on XX/XX/XXXX if it had been read to us which it was n't. he had XXXX in XX/XX/XXXX and had a XXXX shut down at time and few follow-up appointments for awhile to make sure no problems and the functions improved and he had no XXXX problems. he had some XXXX problems and they state dr. coded as XXXX but he received no treatment for XXXX before entering XXXX as result of XXXX XXXX and all XXXX XXXX XXXX XXXX for the injury. the plan analyst was contacted to try and resolve this as my husbands death was result of an accident not disease but they stated di n't matter as he was not eligible for the coverage. the plan say that this is not an insurance product as was filing with insurance department and the plan analyst sort of taunted there was no regulation of this product. this appears to me as a way for the bank to make money off customers with no payout. feel this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not authorized  XXXX   XXXX  to make any inquiry into my credit report. At the times of the inquiries, I had a fraud alert on my report that ask for any company seeking access to my credit file to contact me personally. I called  XXXX   XXXX  on  XXXX  after reviewing my credit report from Equifax and was informed that they will not remove the inquiries. When explaining the issue to them, they refused. They are in violation. Equifax has informed that they will remove the inquiries if the company approves.     I would like for them to remove all inquiries that they have done into m y Credit file an d follow the law correctly.      XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I receive a credit card from  XXXX   XXXX  Bank on  XXXX    XXXX ,2017  and the company reported the credit card on my credit report within 5 days of receiving the card which is  XXXX   XXXX ,2017. This company did not give me the opportunity to pay down my usage amount before reporting to the credit bureau. I  Thought financial institutes allow you thirty days to pay for your depth before reporting to the credit bureau. I also did not receive a statement from this company yet because it 's to soon to release a statement, but they release my information to the credit bureau without notification.

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 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I receive a credit card from XXXX XXXX XXXX on XXXX XXXX,2017 and the company reported the credit card on my credit report within 5 days of receiving the card which is XXXX XXXX,2017. This company did not give me the opportunity to pay down my usage amount before reporting to the credit bureau. I Thought financial institutes allow you thirty days to pay for your depth before reporting to the credit bureau. I also did not receive a statement from this company yet because it 's to soon to release a statement, but they release my information to the credit bureau without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I receive a credit card from XXXX XXXX XXXX on XXXX XXXX,2017 and the company reported the credit card on my credit report within 5 days of receiving the card which is XXXX XXXX,2017. This company did not give me the opportunity to pay down my usage amount before reporting to the credit bureau. I Thought financial institutes allow you thirty days to pay for your depth before reporting to the credit bureau. I also did not receive a statement from this company yet because it 's to soon to release a statement, but they release my information to the credit bureau without notification.

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 2017-04-27 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: OR

Complaint narrative:
I HAVE TRIED TO HAVE AN ACCOUNT BLOCKED ON MY REPORT WITH EQUIFAX SEVERAL TIMES NOW AND HAVE SUPPLIED ALL THE DOCUMENTS THEY REQUESTED TO HAVE IT REMOVED. UNDER THE FRCA  605B    XXXX   AND  XXXX   XXXX  HAVE REMOVED THE FRAUD ACCOUNTS BUT EQUIFAX HAS NOT AND SAYING IT NEEDS TO DO A FULL INVESTIGATION EVEN THOUGH ITS FROM IDENTITY THEFT SO THEY KEEP VERIFYING IT. I HAVE SUPPLIED MY DL, ID AFFIDAVIT FORM AND A POLICE REPORT AND STILL WONT HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
The account is suppose to have been disputed and has not been within a timely manner!   I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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:
Experian is refusing to remove a Chapter  XXXX  bankruptcy record from    2009  that I did not file. It has a reference number of "  XXXX  ''.     I have never filed for bankruptcy in my life. Money has never been a problem for me and my report clearly shows that I have never had any difficulties making payments on my debts.     I have disputed this error with Experian numerous times but they have continuously ignored my disputes as frivolous without properly addressing my claim.     They say the bankruptcy record has been verified but my report clearly shows that there have never accounts on my report that have been " included in bankruptcy ''.     How can I have a bankruptcy on my report if there are n't any accounts that show they were included in bankruptcy?     I manage my finances responsibly so it is unfair that this blemish and error in reporting by Experian continue to occur when no factual evidence can be provided as validation.

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 2017-04-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ongoing issue with Ocwen Loan Servicing.No mentioning now of any loan modifications in incomplete mortgage file or in response to Florida Attorney General 's office.Both loan modifications omitted from file.Latest was approved in XX/XX/XXXX.Revoked by Ocwen without providing adequate legal basis.Trial payments were made.Payment under new agreement was made and applied.Consequent payments returned.Requesting AGAIN to get complete copies including cover letter of both loan modifications.Questionable misconduct by XXXX XXXX assigned Florida attorney representing Ocwen in Court.Failure to disclose Loan Modifications in initial complaint to courts.XX/XX/XXXX GMAC Mortgage had a four per cent fixed rate.XX/XX/XXXX XXXX XXXX Ocwen Loan Servicing Relationship Manager called me and conformed Hamp Modification was approved with payment of XXXX Dollars monthly escrowed.Fixed rate.Questionable dual tracking based on timeline events.Served via Publication when available and charging XXXX XXXX County unnecessary fees for such publication.Questionable vendetta because prior verdict not in favor of plantiff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: OR

Complaint narrative:
I HAVE TRIED TO HAVE AN ACCOUNT BLOCKED ON MY REPORT WITH   XXXX    SEVERAL TIMES NOW AND HAVE SUPPLIED ALL THE DOCUMENTS THEY REQUESTED TO HAVE IT REMOVED. UNDER THE FRC A 605B  XXXX  AND TRANS UNION HAVE REMOVED THE FRAUD ACCOUNTS BUT  XXXX  HAS NOT AND SAYING IT NEEDS TO DO A FULL INVESTIGATION  EVEN THOUGH ITS FROM IDENTITY THEFT SO THEY KEEP VERIFYING IT. I HAVE SUPPLIED MY DL, ID AFFIDAVIT FORM AND A POLICE REPORT AND STILL WONT HELP

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 2017-04-27 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: OR

Complaint narrative:
I HAVE TRIED TO HAVE AN ACCOUNT BLOCKED ON MY REPORT WITH   XXXX    SEVERAL TIMES NOW AND HAVE SUPPLIED ALL THE DOCUMENTS THEY REQUESTED TO HAVE IT REMOVED. UNDER THE FRCA  605B EXPERIAN AND   XXXX   XXXX   HAVE REMOVED THE FRAUD ACCOUNTS BUT   XXXX   HAS NOT AND SAYING IT NEEDS TO DO A FULL INVESTIGATION EVE N THOUGH ITS FROM IDENTITY THEFT SO THEY KEEP VERIFYING IT. I HAVE SUPPLIED MY DL, ID AFFIDAVIT FORM AND A POLICE REPORT AND STILL WONT HELP

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 2017-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Ability Recovery Services put a collection note on my credit report. I never received any notification from the original creditor or ARS about an y debt being owed. My address and phone number are public and listed on all three of my credit reports. The address and phone numbers listed on the credit report for this debt collection agency are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: The Phoenix Recovery Group
State: TX

Complaint narrative:
XXXX / XXXX / 2015  {$2200.00} The following agency is not bonded in TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed. I am also unaware debt collector and the original organizations. This debt does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My payment for  Navy Federal CU  was due  XXXX   XXXX . I had other payments to make besides  Navy Federal si nce this account is closed. So I paid {$20.00} on the  XXXX  and   XXXX   XXXX   XXXX    for  my  XXXX  payment. Then I followed up and sent  two  more payments on the  XXXX  and the    XXXX   XXXX   XXXX     equal to {$60.00} ( {$10.00} & {$50.00} ) They also applied a {$20.00} la te fee which is fine. Then on the  XXXX  they reported to the credit bureaus that I was 30 days late for  XXXX  which is not true. I know that the only way you can be 30 days delinquent on an account is if there was none payment in which it was. They reported the balance which would cover   XXXX   XXXX   bill to {$74.00} owed and  XXXX   XXXX  just passed so how can you add  2 di fferent payments on a credit report that is not 30 days passed due. I calle d Navy Federal and the reps that I spoke to could.not give me an answer and eventually agreed with m  e. Navy Federal c an not do as they please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have attempted to lift a security freeze on my credit report with Experian numerous times both online, by phone, and via mail and I never am able to have the freeze removed. There is no person to speak with by phone and the company never correspondence concerning the matter. This causes much duress in attempting to transact when all  XXXX  bureaus are needed for a 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 2017-04-27 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: FL

Complaint narrative:
Transunion is refusing to remove a Chapter  XXXX  bankruptcy record fro m 2009 that I di d not file. It has a reference number of "  XXXX  ''. I have never filed for bankruptcy in my life. Money has never been a problem for me and my report clearly shows that I have never had any difficulties making payments on my debts. I have disputed this error with Transunion numerous times but they have continuously ignored my disputes as frivolous without properly addressing my claim. They say the bankruptcy record has been verified but my report clearly shows that there have never accounts on my report that have been " included in bankruptcy ''. How can I have a bankruptcy on my report if there are n't any accounts that show they were included in bankruptcy? I manage my finances responsibly so it is unfair that this blemish and error in reporting by Transunion continue to occur when no factual evidence can be provided as validation.

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