vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 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: SC

Complaint narrative:
On XX/XX/18 I sent a dispute letter to Experian. USPS certified receipt shows it was received by Experian on XX/XX/2018. The FCRA states disputes must be validated by PHYSICAL ORIGINAL CONSUMER CONTRACTS WITH MY PERSONAL SIGNATURE ON THE RECORD. After sending several dispute letters Experian continues to reply with a rubber stamp " Verified '' using XXXX which does NOT qualify as properly validated. On XX/XX/18 I sent three validation of debt letters to the original creditors. I received no response from either creditor. I myself could not get the debts verified with two rounds of requests and over 60 days of waiting but somehow Experian continues to claim my disputes with theses same creditors were " verified '' by them. I sent proof of these failure to respond disputes with the original creditors with my dispute to Experian on XX/XX/2018. I again requested these unverifiable accounts be delete from my report. On XX/XX/18 I received a letter from Experian stating they will no longer investigate my dispute. Despite me going out of my way providing paperwork showing these negative accounts as unverifiable and inaccurate, Experian blatantly decided they are not going to abide by the law. I am trying to avoid litigation and a complaint with the attorney general which is my next step if these accounts are not deleted from my account

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 2018-08-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
During the past two years I have had repeated problems with Ocwen Loan Servicing, LLC regarding accusations of missed or late payments. I am again facing the threat of " Adverse credit reporting '' and " Further collection activities. '' The harassment is unrelenting and comes via frequent ( monthly ) postal mail, and daily telephone calls. 
When I have talked to Ocwen representatives, my concerns have never been addressed. 
There have been times when I have made the extra payment just to get them to stop the harrassment. I can not afford to keep making extra payments which seem to never be properly credited to my account. I just did an audit of my bill pay records and I have not missed a single payment. Nevertheless, Ocwen is harassing me about a missed payment in XX/XX/XXXX. 
I have spoken with legal council, but the first step he wants to take is to have me pay for a forensic audit as well as his fees ... this I can not afford. The original loan was made in XX/XX/XXXX and to date ( 12 years ) the outstanding principal has only decreased by a minuscule amount on what is supposed to be a 15 year loan. Additionally, I am being charged an exorbitant interest rate ( 8.87500 % ) with credit scores in the 750+ range and no record of ever being late with any of my payments. I need immediate relief from the unrelenting harassment that happens every few months when Ocwen arbitrarily accuses me of missing a payment. Please help in whatever way will remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Big Picture Loans, LLC
State: OH

Complaint narrative:
Big Picture Loans sent me a letter dated XX/XX/2018 stating that they have tried to contact me numerous times about the delinquent status of my account. I have never done business with them. The letter states I owe {$1000.00} principal on a loan plus {$1100.00} in interest. 

The representative at Big Picture Loans only told me that an inquiry was placed in XXXX of 2018. He then asked me for my social security number and my personal bank account and routing numbers - I did not provide any of these and ended my call with the representative as this entire thing feels like a scam. 

I immediately checked my 3 credit reports and see a number of hard inquiries on XX/XX/XXXX from various companies - I will be submitting separate false credit reporting requests for each of these also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: AR

Complaint narrative:
I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge all credit history would be deleted. I've sent multiple disputes to XXXX   and each credit bureau that's STILL reporting and they REFUSE to remove them. This is becoming frustrating because I'm trying to repair my credit and buy a house but these student loans are stopping me. I've called them multiple times and sent certified letters to them with NO HELP. They told me they will keep reporting when they are supposed to delete them as stared on the letter. Please help me.

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 2018-08-15 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: FL

Complaint narrative:
I had two car loans from a XX/XX/XXXX included in a Chapter XXXX Bankruptcy and XX/XX/XXXX included Chapter XXXX bankruptcy they both were removed from my credit report on or before XX/XX/XXXX by all there credit Bureau XXXX, Equifax and XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, to previous auto loans that were previously removed that and included in the bankrupts beyond seven and ten years. I have sent disputes multiple times to Equifax, XXXX  and XXXX regarding XXXX. This time around, I received an email from Equifax stating their investigation will need more time, I assume because I attached each of the credit reports I've received from each Bureau dating back to XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I received updated reports with the removals. Equifax deleted XXXX XXXX car loan along with my Chapter XXXX Bankruptcy and Chapter XXXX bankruptcies on or before XX/XX/XXXX. They have had many months of investigation, all the while my credit score continues to suffer from their non compliance of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: CT

Complaint narrative:
I was unaware of the notice originally sent regarding payment. When I received a call from Conserve to collect the debt, I was put on a payment plan. I payed 3 months of the {$140.00} payments and paid the remaining {$1100.00} the XXXX month. 

I am now working with a law firm to remove the negative mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: GA

Complaint narrative:
I disputed an account with XXXX on my file. I explained that I had settled it. They left it on the file. I settled the account with XXXX and then, XXXX put the balance BACK on their record on my credit files. I have attached the backup for the settlement

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 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
I leased an apartment at XXXX XXXX at XXXX XXXX in 2014. I made every rental payment during my one year lease. I left the apartment in very good condition ( I took pictures that I have available ). 

XXXX XXXX changed management companies just after I left that apartment. The new management company provided a " move out statement '' showing {$4800.00} in apparent rent owing along with fake charges for cleanup and painting. 

I have attached copies of all my checks ( except two months where I paid by money order ). The collection of this debt is fraud at the worst and extortion at the best. I paid my rent in good faith and adhered to move out rules. 

The collection agency is Southern Management Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
Unauthorized hard inquiries from Cash Central, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: Accelerated Financial Solutions, LLC
State: CA

Complaint narrative:
ACCELERATED FINANCIAL XXXX IS APPEARING ON MY EXPERIAN FILE. 
ACCELERATED FIN. IS AN AGENT OF XXXX XXXX XXXX   THE DEBT BUYER WHO OWNS THE DEBT.THE ORIGINAL CREDITOR IS XXXX XXXX. 

THIS SAME ACCOUNT WAS DELETED BY XXXX  ON XX/XX/2018, BUT THE DEBT AMOUNT HAS BEEN CHANGED BY XXXX DOLLAR AND THE CREDITORS NAME HAS BEEN CHANGED TO THEIR AGENT 'S NAME WHOM THEY EMPLOY.IT WAS XXXX XXXX XXXX   ACCT NO XXXX. 

FOR XXXX TO PERMIT THIS FRAUD TO OCCUR IS A CLEAR FCRA VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied for the Citi AAdvantage credit card on XX/XX/XXXX. About 2-3 weeks later, I received a letter from them asking for my pay stub to verify my income. I sent them my pay stub right away. Today ( XX/XX/XXXX ), I received another letter from them asking for my utility bill to verify my address. So, my questions are : ( 1 ) why can't they use the address on my pay stub to verify my address, and ( 2 ) why they didn't ask for both my pay stub and my utility bill last time? 
I called their customer service ( XXXX ), but their representative didn't give me a reasonable explanation. He also told me that my application will not be considered until they receive my utility bill. In addition, I have another credit card and checking accounts with Citi. Why can't they verify my address using my address information in their system? I don't know if they will ask for something else after I send my utility bill, and I don't know how much longer this application process is going to take ( it has been 4 weeks since I started ). So, I canceled my application. 
They have already pulled my credit ( and I have 800+ credit ). 
I think they are very inefficient, and they don't respect their client 's time.

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 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: TN

Complaint narrative:
I have a debt that was originally with XXXX, but it is now with JH Portfolio Debt Equities. I  have tried to call this company every day for a week, and no one ever answers the phone. I left my phone number on their voicemail, but I havent received a call back. 

I know the debt is valid, but I am having trouble paying on it since I cant reach the collector

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 2018-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
In XXXX of 2018 I was solicited to borrow {$2600.00} from cash net, I borrowed it thinking it would be reported to the credit bureaus to improve my credit, but then found out that they do not report and that they are charging me 187 % interest rate

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2018 I mailed XXXXXXXX XXXX Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX and TransUnion, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXXXXXX XXXX and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from XXXX XXXX XXXX XXXX XXXX card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXXXXXX XXXX is in breach of contract and has violated the terms of the agreements.

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 2018-08-15 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: PA

Complaint narrative:
On XX/XX/2018 I mailed XXXXXXXX XXXX Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including XXXX, Equifax and XXXX, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXXXXXX XXXX and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from XXXX XXXX  XXXX XXXX XXXX card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXXXXXX XXXX is in breach of contract and has violated the terms of the agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: PA

Complaint narrative:
On XX/XX/2018 I mailed XXXXXXXX XXXX Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including Experian, XXXX and XXXX, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXXXXXX XXXX and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from XXXX XXXX XXXX XXXX XXXX card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXXXXXX XXXX is in breach of contract and has violated the terms of the agreements.

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 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
At XXXX XXXX CST, I received a call from ( XXXX ) XXXX that I answered. 

An individual came on the line and asked if I was XXXX XXXX and I affirmed. They asked for my address and I stated I wouldnt further identify myself until they told me who they were with and why they were calling. 

They stated it was a personal business matter and to again confirm my address. At this point I asked who they were with again and stated their name and they were with Portfolio Recoveries. 

So, at that point I said so this is a debt collection call and they refused to state that it was until I identified myself which I ultimately did via the last 4 of the SSN. 

Only at that point did they disclose they were a debt collector, stated my debt was too old to sue and that certain actions could restart the timeline of the ability to sue but if that was the case they would not sue, and then proceeded to ask about a XXXX XXXX debt they claimed I owe and asked if I was able to pay it. 

I asked if they could provide proof of validity of the debt, expressed that I dispute the debt as being mine or valid, and they stated they could mail it to me which I refused. 

I also stated that I would send notice in the mail regarding this collection and was told I could either sign onto a website via an account or have them mail something to me. I requested the account number he said he had which was XXXX. I again repeated that this debt wasnt valid and after stating I would contact the company about this the call was ended. 

The refusal to identify themselves, the company or the purpose of the call, refusal to answer a direct question of their identity, then only give the company name without identifying it as a debt collection attempt as well as stating it was a personal business matter that required verification of my identity is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: NC

Complaint narrative:
After pulling my Transunion credit report several months ago i noticed XXXX XXXX XXXX has listed a collection/charge-off account on my Transunion report. I have tried to resolve this issue several times. 

XXXX XXXX account does not belong to me. I have contacted XXXX XXXX XXXX  and Transunion several times about this account not belonging to me and Transunion response that the account has been verified as accurate and today when I check my report the status has updated as Paid after Charge-off. 

I never paid XXXX XXXX XXXX  this is false inaccurate reporting, this account does not belong to me and it is a clear violation of Federal Reporting laws. 

Under the FCRA Creditor must provide complete and accurate information to the credit bureaus. Creditor must correct inaccurate or incomplete information in your report. 

An information furnisher must provide complete and accurate information to the credit bureaus. 

furnisher must correct any error, or explain why the credit report is correct within 30 days of receipt of notice of a dispute, which time has passed. 

The information furnisher must correct inaccurate or incomplete information in your report. 

The information furnisher must notify all credit bureaus where they sent incorrect information of any error XXXX XXXX continues to violate protected rights.

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