vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collections Acquisition Company, Inc.
State: CO

Complaint narrative:
I had a debt of {$64.00}. I was in the process of moving at the time the debt went into place so I never received any notification. The only way I found out about it was running my credit report. The debt was valid and I paid in full as soon as I saw it. With that being said today  XX/XX/2017    I called the company asking them to remove from my credit report because I was in the process of buying a house. They said no it was not against their policy. When I paid the debt I was never informed that they would not remove the debt due to their policy. I was never informed that this would not come off my credit report. If this is their policy they should inform people that when they call and pay the debt. I never received anything that this was their business practice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
They keep calling about a debt collection, I do n't know nothing about. They call about 7 times a day and after  XXXX    XXXX   XXXX   XXXX   and using other numbers. The company name is  Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: TX

Complaint narrative:
To Whom Thi s May C oncern : Upon reviewing my Transunion account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information, in regards to  XXXX  inquires, that is being reported on my credit report. They received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX .   The request that I submitted included  XXXX  inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor.   I would like for the below inquires to be deleted.     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   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   According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files.   The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything.   This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.   Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I need your assistance to resolve an issue with Chase Bank which I tried to resolve on my own.     I received a letter from Chase on  XXXX  that they were cutting off my line of credit effective immediately. I went to my local Chase branch and spoke with the  Private Client Banker.    Th e Private Client Banker  called the    XXXX   XXXX   XXXX    for clarification, at which time he put the call on speaker phone. We were told that I have to  make 3 payments bef ore they would set the terms. Nearing  the 3rd payment, the   Private Client Banker ca lled th e    XXXX   XXXX   XXXX   again asking for the terms. He was told it was for 5 years but still must determine the rate.     After th e 3rd paym ent cycle was made and I didnt get my rate, I went back to my local bank to inform the  Private Client Banker o f not receiving my rate. Again, th e Private Client Banker ca lled the    XXXX   XXXX   XXXX   in  my presence.     We were told by a representative from t he   XXXX   XXXX   XXXX   tha t I must make another payment, which would be a 4th payment before they would calculate the terms and interest rate, so I made  a 4th  payment.     I received a call on  XXXX  from th e   XXXX   XXXX   XXXX   an d was told they were giving me a 36-month repayment plan, which is what I currently have. When I informed the representative from the    XXXX   XXXX   XXXX   that a 5year pa yback was the deal, she said no that it wasnt.     As a result, I tried to do a loan modification with them and they denied my application. Again, I tried to work with Chase but they are not dealing in good faith.     Why would  Chase have me make a 4th payment only to give me a 36-month pay b ack plan when Ive had that plan for 20 years!     I never missed a payment and paid more than the minimum due. In addition, I asked them numerous times for the promissory note from  XX/XX/XXXX which they cant seem to find to send it to me.  The  XX/XX/XXXX  a lso informed me that during a dispute I didnt have to make payments.     All this is recorded on line and in the presence of their company private banker at my local Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I own a condominium unit in  XXXX , Illinois .I have owned it since  XXXX . Approxiamaately 9 years ago the mortage was sold  to Ocwen Mortage loan  Servicing. During that time it has been a total mess trying to deal with them. They raise the mortage whenever they want to, charge me whenever they want to. I have a speech impediament, Stuttering, so when I talk to them its always a problem. Normally its a person from a foreign country that I am talking to.I am  XXXX  years of age with serious health issues. I have  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  Prescribed by my doctor. I weigh  XXXX  lbs. and when I walk up the stairs at the condo, ''  XXXX  floor '',   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . There is no elevator in the building.I had to stop working because of my health! I was a   XXXX   XXXX   XXXX   for 37 years. I ca n't do that anymore. According to Ocwen, I am behind {$4300.00}. Loan #  XXXX . And the mortage is not going down! The principal balance is still at {$63000.00}. I sent them a letter explaining my situation. And they keep sending me BILLS!! The latest  is Delinquency Information.   dated  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
We paid off the  XXXX   XXXX  in  XXXX    XXXX  . We called in  XXXX  and were sent a letter on  XXXX / XXXX /  XXXX   that states " Chrysler Capital recognizes the above reference account as paid in full on  XXXX  ''. The letter asks us to wait 30 days. We are well past 30 days and still no title. We can not sell or trade the vehicle without a title.     We met our obligations and expect Chrysler Capital to send the title  ASAP P.S.    I am unable to upload the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I HAVE MADE SEVERAL ATTEMPTS TO SE ND OCWEN FINANCIAL CORPORATION  A LOAN MODIFICATION PACKET. EACH METHOD OF DELIVERY THEY CLAIM TO NOT RECIEVE THE DOCUMENTS TO COMPLETE THE LOAN MODIFICATION. AND WHEN THEY ASKED FOR ADDITIONAL INFORMATION IT IS ALMOST IMPOSSIBLE TO GET THEM ANY DOCUMENTS. IT ALMOST SEEMS AS THEY ARE TRYING TO FORCE ME INTO FORECLOSURE. I AM SENDING THEM A COMPLETED LOAN MODIFICATION PACKET TODAY AND ATTACHING THIS COMPLAINT TO THE PACKET. I WILL SEND IT CERTIFIED MAIL ON  X/XX/2017    BY WAY OF US POSTAL SERVICE AND WILL SECURE A COMFIRMATION OF DELIVERY. I HAVE FAXED DOCUMENT TO THEM, MAILED THEM CERTIFIED, AND EMAILED THEM TO THE COMPANY. THEY HAVE SUPPLIED ME WITH A LOAN CONSELOR BUT HE IS NEVER AVAILABLE FOR 2 MONTHS I HAVE NEVER SPOKEN WITH HIM AND HE NEVER RETURNS ANY OF MY CALLS ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax deleted SEVERAL accounts from my credit profile per my last dispute, and after checking my account today, those accounts that have been flagged as " This item has been deleted from the credit file '' still remain. I am attaching a copy of the investigation results that notate EVERY account that needs to be, and should be deleted IMMEDIATELY!   Per FC RA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], Req uirements relating to reinstatement of previously deleted material.   Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to sub-paragraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   If any information that has been deleted from a consumer 's file pursuant to sub-paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later tha n 5 bus iness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under c lause ( ii ),  a consumer reporting agency shall provide to a consumer in writing no later tha n 5 busi ness days after the reinsertion date.   ( I ) a statement that the disputed information has been reinserte d ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; a nd ( III ) a not ice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.   I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In  XXXX   XXXX , the co-owner of the car loan called me to tell me the vehicle was being repossessed. The co-owner stated he filed bankruptcy and he and his lawyer sent in a letter to the loan company turning over the vehicle. I was the primary on the loan and the one making the payments. I went to make  XXXX   XXXX  payment online and I was not allowed into the account. I then called the company to find out why. I was told at that time they had received the letter from the co-owners lawyer turning over the car. At this point I had not received any information about this from the loan company. Not through mail nor through a phone call. After that time, I was not allowed into the account to make payments. I was told they were going to pick up the car. My credit report shows  XXXX   XXXX  30 days late,  XXXX   XXXX  60 days late,  XXXX   XXXX  90 days late,  XXXX   XXXX  120 days late,  XXXX   XXXX  ok, and then  XXXX   XXXX  FP - If I was unable to get into the account and make a payment, how can I have all of these late payments and non payments on my account? The car sat from  XXXX   XXXX   XXXX  before it was picked up. Even though in  XXXX   XXXX  I was told that the vehicle was going to be repossessed, no one picked up the vehicle till  XXXX   XXXX . And then they want to show on my credit that I was late for 6 months. Also, if the co-owner and his lawyer sent in a letter turning over the vehicle without my knowledge, how can this effect my credit? I was not notified by the co-owner nor was I notified by the loan company. On my credit report,  XXXX  companies are showing a balance with this loan company at {$9300.00} and another  XXXX  showing a balance of {$35000.00} - How can there be such a significant difference in the balances of the same loan?

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 2017-04-24 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: TN

Complaint narrative:
In  XXXX   XXXX , the co-owner of the car loan called me to tell me the vehicle was being repossessed. The co-owner stated he filed bankruptcy and he and his lawyer sent in a letter to the loan company turning over the vehicle. I was the primary on the loan and the one making the payments. I went to make  XXXX   XXXX  payment online and I was not allowed into the account. I then called the company to find out why. I was told at that time they had received the letter from the co-owners lawyer turning over the car. At this point I had not received any information about this from the loan company. Not through mail nor through a phone call. After that time, I was not allowed into the account to make payments. I was told they were going to pick up the car. My credit report shows  XXXX   XXXX  30 days late,  XXXX   XXXX  60 days late,  XXXX   XXXX  90 days late,  XXXX   XXXX  120 days late,  XXXX   XXXX  ok, and then  XXXX   XXXX  FP - If I was unable to get into the account and make a payment, how can I have all of these late payments and non payments on my account? The car sat from  XXXX   XXXX   XXXX  before it was picked up. Even though in  XXXX   XXXX  I was told that the vehicle was going to be repossessed, no one picked up the vehicle till  XXXX   XXXX . And then they want to show on my credit that I was late for 6 months. Also, if the co-owner and his lawyer sent in a letter turning over the vehicle without my knowledge, how can this effect my credit? I was not notified by the co-owner nor was I notified by the loan company. On my credit report,  XXXX  companies are showing a balance with this loan company at {$9300.00} and another  XXXX  showing a balance of {$35000.00} - How can there be such a significant difference in the balances of the same loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In  XXXX   XXXX , the co-owner of the car loan called me to tell me the vehicle was being repossessed. The co-owner stated he filed bankruptcy and he and his lawyer sent in a letter to the loan company turning over the vehicle. I was the primary on the loan and the one making the payments. I went to make  XXXX   XXXX  payment online and I was not allowed into the account. I then called the company to find out why. I was told at that time they had received the letter from the co-owners lawyer turning over the car. At this point I had not received any information about this from the loan company. Not through mail nor through a phone call. After that time, I was not allowed into the account to make payments. I was told they were going to pick up the car. My credit report shows  XXXX   XXXX  30 days late,  XXXX   XXXX  60 days late,  XXXX   XXXX  90 days late,  XXXX   XXXX  120 days late,  XXXX   XXXX  ok, and then  XXXX   XXXX  FP - If I was unable to get into the account and make a payment, how can I have all of these late payments and non payments on my account? The car sat from  XXXX   XXXX   XXXX  before it was picked up. Even though in  XXXX   XXXX  I was told that the vehicle was going to be repossessed, no one picked up the vehicle till  XXXX   XXXX . And then they want to show on my credit that I was late for 6 months. Also, if the co-owner and his lawyer sent in a letter turning over the vehicle without my knowledge, how can this effect my credit? I was not notified by the co-owner nor was I notified by the loan company. On my credit report,  XXXX  companies are showing a balance with this loan company at {$9300.00} and another  XXXX  showing a balance of {$35000.00} - How can there be such a significant difference in the balances of the same loan?

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 2017-04-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank is reporting inaccurate and false information on my credit report through all  XXXX  reporting credit agencies almost a year after I filed chapter  XXXX  bankruptcy. While I was in Bankruptcy the fixed it but have now found a way to put late payments back on my report. The companies a re Amazon, Gap, QVC, Sams club and TJ Maxx.  This is against my fresh start initiative in for chapter  XXXX  Bankruptcy. I have advised them of this and it was removed but they have now added it back. On all my credit reports up until  XXXX  I have had  XXXX  late payments and now I have these late payments showing up and they are inaccurate and wrong and is a violation of  US Bankruptcy code. I  was never late and it was already   XXXX   enough to file chapter. This is the only thing that should be appearing on my report not any late payments. They can not decide almost a year later to report late payments. I have attached my credit report where no late payments reported

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 2017-04-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank is reporting inaccurate and false information on my credit report through all  XXXX  reporting credit agencies almost a year after I filed chapter  XXXX  bankruptcy. While I was in Bankruptcy the fixed it but have now found a way to put late payments back on my report. The companies are  Amazon, Gap, QVC, Sams club and TJ Maxx. This i s against my fresh start initiative in for chapter  XXXX  Bankruptcy. I have advised them of this and it was removed but they have now added it back. On all my credit reports up until  XXXX  I have had  XXXX  late payments and now I have these late payments showing up and they are inaccurate and wrong and is a viol ation of US Bankruptcy code.  I was never late and it was already   XXXX   enough to file chapter. This is the only thing that should be appearing on my report not any late payments. They can not decide almost a year later to report late payments. I have attached my credit report where no late payments reported

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 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I disputed some items that were from me bing a victim of identity theft. The items still remain and I never received any feedback from the credit bureau.

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