vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have  XXXX  public record accounts in the amounts of {$15.00}, xxxx and {$13.00}, xxxx that have been reporting on my yearly credit report by Experian since  XXXX   of 2001. A ccording to FCRA law : " This information is generally remov ed seven  years from the initial missed payment that led to the delinquency. Missed payments and most public record item s may remain on the credit report for up to seven y ears, except Chapters  XXXX ,  XXXX  and  XXXX  bankruptcies, wh hich may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past du e remain up to 10 years after the date the account was transferred. '' I have tried several times in the past gew years to have this information deleted from my reports, as since it has been reporting since  XXXX     2001  which is now 16 years and 6 years past the legally permissable reporting criteria. However Experian continues to report this information which is a violation of my FCRA rights a nd State law. The account is also being illegally r e-aged to reflect the current month as the reporting date every time I file a complaint.

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 2017-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ceannate
State: NC

Complaint narrative:
FMS Investment Corp re cently reported a {$6000.00} collection account on my credit report. Prior to the appearance of this account, I was not provided with a notice of this supposed debt, and given a chance to even contest it. Since I was not provided notice of this supposed debt and given a chance to dispute it, I requested that FMS delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: Leading Edge Solutions, LLC
State: FL

Complaint narrative:
I submitted a complaint on   XXXX   XXXX  , 2017 in regards to Leading Edge Solutions submitting inaccurate information on my credit report. CFPB received a response from the company advising them that the complaint does not belong to them. As you see, I 've attached a copy of my credit report which you can clearly shows Leading Edge Solutions is reporting on all  XXXX  credit reporting agencies. Being that Leading Edge Solutions has stated complaint does not belong to them, the company should comply with my request to delete the information from my credit files. I appreciate your prompt attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
UNAUTHORIZED INQUIRY 'S ON MY CREDIT 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 2017-05-04 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: NY

Complaint narrative:
UNAUTHORIZED INQUIRY 'S ON MY CREDIT 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 non-monetary relief
Consumer complaint received 2017-05-04 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: NY

Complaint narrative:
UNAUTHORIZED INQUIRY 'S ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: IN

Complaint narrative:
My Equifax credit report reflects    XXXX    different  XXXX  accounts with  XXXX  different balances. I have repeatedly requested a copy of any signed agreement between myself and   XXXX   XXXX    Neither Equifax or   XXXX   are able to produce any such agreement establishing the accoun t. Even though no contract or agreement exists, Equifax refuses to remove the fraudulent information from my account. My application to refinance my home has repeatedly been denied due to this fraudulent information. as a result, the home has been foreclosed on. I have lost my home due to Equifax and   XXXX    XXXX   fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: LendingPoint Holdings LLC
State: CA

Complaint narrative:
I'am a victim of identity theft. I have a fraud alert on all credit bureau 's. On  XXXX   XXXX ,    2017  someone tried to obtain a loan throu gh Lendingpoint. I was no tified from  XXXX  and they began an investigation. A few hours later I received a letter from  Lendingpoint denying my loan because of my credit score, and various other reasons listed on my credit report. Not once did Lendingpoint reach out to me and inform me that someone was trying to obtain a loan in my name. This is the reason for the fraud alert. It is clear Lendingpoint ignored the fraud alert. I called Lendingpoint and explained about the identity theft and the fraud alert and was told no loan was issued. How does this help me? Why was I not contacted? I also want the i nquiry removed from my credit 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 2017-05-04 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
609 Sectio n/ DELETIONS TO CREDIT REPORT My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation.     Section  609 E2 A1 Validation, Disclosure, [ 15 USC 1681g  ] of the Fair Credit Reporting Act of  1970    provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions o f Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inacc urate reporting.   In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below :   XXXX   XXXX   XXXX   #  XXXX , #  XXXX    XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX  #  XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   Please notify me  that the above items have been deleted pursuant to   611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts. If you do not remove this items in a timely matter I will file a law suit under section 617  under the color of the law.
If you have any questions or need additional information, please contact me at address noted below. There are a total of   XXXX    pages of items with all  XXXX  credit reports

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 2017-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
Been paying this company  2 payments every 2  weeks. They was only surposed to get 1 payment a month but taking out 2 every 2 w eeks. On   XX/XX/XXXX he y took out {$450.00} and they {$390.00} on the same da y. CNUSA has  put a lot of inturst on it at 29.999 %. I ca n't pay my regarler bills because of this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
A collection company by the name of Ability Recovery Services , LLC continues to contact me to collect a collection from   XXXX   XXXX    (  the original creditor ). The balance of this acct is {$2500.00} as listed on all   XXXX   of my credit reports. I have never attended   XXXX   XXXX  , nor have I ever agreed to paying the amount they 're harassing me for. I have sent multiple letters directly to  Ability Recovery,  and also submitted multiple disputes with the credit bureaus, and have yet to get verification that is debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On  XXXX / XXXX / XXXX  my mortgage servicing compa ny ( Ocwen ) received my cashier check in the   amount of {$14000.00} which was applied toward the period of  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I had received a notice of default from the company for that period. As instructed by the company, prior to submitting my payment, I called to verify the EXACT AMOUNT past due on the account. I was told to send a bank check in the amount of {$14000.00} which was the exact amount needed to bring my mortgage current to  XXXX / XXXX / XXXX  and was received b y Ocwen  on  XXXX / XXXX / XXXX . I sent my check  XXXX .  XXXX  in the amount of {$20000.00} under separate cover which the company received and applied accordingly for  XXXX / XXXX / XXXX . I specifically asked for the exact amount that would be due for  XXXX / XXXX / XXXX  and was told {$20000.00}. I was assured there would be no additional charges. When I received my statement for  XXXX / XXXX / XXXX , there was a total amount due of {$4200.00}  ( {$ 2000.00} for  XXXX / XXXX / XXXX  and {$2200.00} listed as past due fees/other charges. I wrote a letter to the company requesting an explanation, and was told these fees were from servicing fees incurred in  XXXX  whe n Ocwen  acquired the loan from Homeward Residential. I am not in agreement with these additional fees and respectfully request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: WA

Complaint narrative:
I have   XXXX  pu blic record accounts in the amounts of {$15.00}, xxxx and {$13.00}, xxxx that have been reporting on my yearly credit report by  XXXX  since  XXXX  of   XXXX  . According to FCRA law : " This information is generally removed  seven years from the initial missed payment that led to the delinquency. Missed payments and most public record items may remain on the credit report for up to seven years, except Chapters   XXXX  ,  XXXX  and   XXXX    bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past du e remain up to 10 years after the date the account was transferred. '' I have tried several times in the past gew years to have this information deleted from my reports, as since it has been reporting since  XXXX    XXXX   which is now 16 years and 6 years past the legally permissable reporting criteria. However    XXXX    continues to report this information which is a violation of my FCRA rights and  State law.  The account is also being illegally re-aged to reflect the current month as the reporting date every time I file a complaint.

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 2017-05-04 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: WA

Complaint narrative:
I have  XXXX  public record accounts in the amounts of {$15.00}, xxxx and {$13.00}, xxxx that have been reporting on my yearly credit report by   XXXX    since    XXXX   XXXX   XXXX     . According to FCRA law : " This information is generally removed  seven years from  the initial missed payment that led to the delinquency. Missed payments and most public record items  may  remain on the credit report for up to seven years, except Chapters  XXXX ,  XXXX  and  XXXX  bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past due remain up to 10 years after the date the account was transferred. '' I have tried several times in the past gew years to have this information deleted from my reports, as since it has been reporting since   XXXX   XXXX     which is now 16 years and 6 years past the legally permissable reporting criteria. However   XXXX    continues to report this information which is a violation of my FCRA rights and  State  law. The account is also being illegally re-aged to reflect the current month as the reporting date every time I file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen over charged us approx up to {$170000.00} in excess fees and escrows, interest etc. and would NOT give us accounting prior to our settling this mortgage when we sold house In  XXXX  or to present after we and attorney requested a myriad of times to see the accountings. Right. NOw we have filed lawsuit against and still are not getting the paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On   XXXX   XXXX   XXXX     I commenced to cash my monthly  XXXX  check at Bank of America that was payable by Bank of America.   
I am not a member of Bank of American a  nd I notified the teller each month that I have no desire to open an account and that I was aware of the  XXXX  dollar non-customer charge fee.     The bank teller immediately told me that she could not cash my check, that it was no good and to return it to sender. The Bank manager reiterated what the teller had said and also stated that for confidential reasons he could not discuss the matter and repudiated policies associated with  XXXX  and human/customer rights abuse.     In the very same hour, I later incountered the same situation at another Bank o f American branch. In my desperation walked in another Bank of American branch for the third time, and my check was checked with no he sitation. This particula r Bank of American was in a different loca le as the other  XXXX , wish were close in proximity.     It is to my belief that since I was not an account holder I was denied the privilege to continue to cash my  XXXX  check at those  XXXX  branches.     I have each manager 's business card. Please investigate this matter.     Thank you in advance

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 2017-05-04 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: CA

Complaint narrative:
I have sent over  6 lett ers to TRANSUNION.        XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I requested written original signed verification of the following accounts as required by FCRA  609.      - XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , tx  XXXX  Transunion  states  they have verified this account? They did not provide original signed signatures proving this was my account and the address they have on file is totally incorrect.  XXXX  who ever they call themselves.     INQUIRIES : TRANSUNION ALSO REPORTS SEVERAL INCORRECT INQUIRIES ON MY CREDIT REPORT.      XXXX   XXXX ,  XXXX   XXXX ??????????????????    XXXX   XXXX   XXXX ???????    XXXX   XXXX ,  XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX ???????????????????????????????????     ADDRESS INFORMATION : ALL TOTALLY INCORRECT-  XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  CA  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX  EMPLOYMENT : ALL TOTALLY INCORRECT-   XXXX   XXXX   XXXX  They responded by saying the accounts were verified correct? Who verified them? where are the original signatures? The address are not even correct.

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 2017-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH

Complaint narrative:
My loan was modified on  XXXX / XXXX /  XXXX  . Also the service of the loan changed hands from one bank the another. I also had a balloon payment added to cover attorney fees and escrow shortages. Some time in  XXXX  they added more onto my note and saying I have to pay this now. I have made my regular payment and will not pay this because I think it is wrong that long after modification was completed completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Today  XX/XX/XXXX  I will be sending in documents.     Sale date issued - violation of RESPA - I never ot notice of the sale from OCWEN or   XXXX   XXXX   the bank being investigated fro   XXXX    money laundering.     I was force to file chapter  XXXX  to stop the sale date. I had to go through this last years and filed chapter  XXXX  last years as well due to the same actions. I have tried to modify since  XXXX  when  Litton sold to OCWEN and used forced placed insurance when I had insurance.     I am part of the  Litton/OCWEN Settlement for  the " Constant Judgment '' against OCWEN. I seek the written requirement that give those harmed the ability to modify under consumer relief for those that want and can save their homes. I want and can pay for this home.     Now more fraud while under Settlement of RESPA violation of no notice for a sale date. Only by Realtor 's did I learn of the sale. Please help, sending in documents today   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SQUARETWO FINANCIAL CORPORATION
State: VA

Complaint narrative:
Received account balance option letter from FreshView date d   XXXX   XXXX  2017 in reg ards to : Current Creditor-CACH,  LLC  ;  Original Creditor-  XXXX   XXXX   XXXX  ; Currrent Balance- {$10000.00}.  Three opt ions were given with the letter stating I had 30 days from date of letter to take advantage of one of the options. Today,    XXXX   XXXX   2017, I we nt to  the FreshView web site to take option   XXXX , making 4 payments of {$600.00}. I was informed on website to contact them. I called FreshView  at  XXXX  and was told that I must call CACH , LLC at  XXXX  as they were no longer handling the matter. Today ,   XXXX   XXXX  2017, I ca lled CACH , LLC and was told that the matter was sent to their attorney, the   XXXX   XXXX   XXXX   XXXX   XXXX     and that I must contact the attorney. I called the attorney today at  XXXX  and spoke with a  XXXX   XXXX   XXXX  who informed me that I was not yet really in their system and that she would have to wait until I was in their system.  XXXX   XXXX  stated she would call me back when she received my information. My complaint is that it is not yet 30 days until    XXXX   XXXX    2017 and this debt was sent to an attorney before 30 days. I want to take advantage of the opti on of making  4 payments  of  XXXX  on this debt befor e XX/XX/XXXX  as I  do not want, and should not, be sued by an attorney when I was given an option letter that is still valid within the 30 days to take advantage of. CACH , LLC had no right to send this matter to their attorney before 30 days fr om XX/XX/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