vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2018 I received a call regarding A XXXX Credit Card with Capital One. The fact that I didn't verify any other personal information besides my name. The caller kept telling me to settle this matter. The caller told me that I was the one who went into the store and took the merchandise. I told him I was feeling harassed and preferred to be contacted by mail and he continued on. The caller called me from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am A VICTIM OF IDENTITY FRAUD, My information was used to open accounts fraudulently without my consent or authorization. Last XX/XX/XXXX, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my police report and a letter requesting them to remove its fraudulent account from my credit report. On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent account, with required documentation, MUST be removed within 4 business days upon receipt ''. First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company responded by saying the account I had disputed was no longer in the file but its still there, and even confirmed that the account belonged to me. For yet another time, my FTC report attached clearly shows this fraudulent account which I need to be deleted asap : BANK OF AMERICA Account Number : XXXX, Opened Date XX/XX/XXXX, Balance {$20000.00} Am looking at legal proceedings if this company does not delete this fraudulent account from my credit report. Attached here with the earlier dispute I sent to this company and my FTC 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 2018-10-29 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: TX

Complaint narrative:
In short, XXXX XXXX financed a vehicle to me in XX/XX/XXXX. The vehicle was NEVER registered to me and I have not been able to use the vehicle though I made every payment on time, through XX/XX/XXXX. Beginning XX/XX/XXXX, I requested XXXX to take action to obtain the registration and license plates I had paid for and subsequently been billed for. Months passed before XXXX finally contacted me to inform me they had to " double pay '' to obtain the title and would be sending me the registration/tags. I NEVER received them. I tried to trade the vehicle in for another one in XX/XX/XXXX, I was informed this vehicle was titled in someone else 's name and had a different lien holder listed. In XX/XX/XXXX, XXXX 's Title Manager admitted to me that XXXX had NEVER obtained a title for the vehicle. I asked for the amount I had been billed upon the loan initiation ( for taxes, tags, documentation fees, and registration fees ) to be credited to my account from the date of initiation so that I would also be credited for the finance charge for said monies. 
SHE REFUSED. She also informed me XXXX had filed for a bonded title with the State of Texas in late XX/XX/XXXX. In XX/XX/XXXX8, I filed a complaint against the auto dealership and then found out XXXX had NEVER applied for any bonded title. I contacted an attorney at that time and was instructed NOT to pay anymore on this fraudulent loan. XXXX was informed of my intent to sue and they were also instructed NOT to make any false or negative reports to the Credit Bureaus. I am providing documentation including emails from XXXX representatives LIEING to me about having possession of the title, and correspondence from my attorney, XXXX XXXX. I can also provide a chronology of events with evidence I have to substantiate my claims. I do not want XXXX to have access to those documents at this time as there is a lawsuit pending for Deceptive Trade Practices and Fraud.

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 2018-10-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
The account is under " The Estate of ''. As soon as this servicing company took over the loan, they deducted homeowners from escrow and raised the payment. We supplied proof of homeowners several times, ( which we pay on our own ) to no avail. It took 2/3 years to get them to do a correct escrow analyasis. During that time we overpayed by {$2000.00}. They sent a check but it was made out to " The Estate of ''. We could not cash the check because the estate is closed. We got authorization to pay only principal and interest until the credit was sufficed. However, the entire time we paid principal and interest we were being charged a late fee and a balance was accruing since the entire payment was not made. I spoke with my rep every month numerous times and was promised this would be corrected. Records show we have been in default for over a year however we made our authorized payment every month. Now all of the sudden we get a certified letter saying foreclosure will start after XX/XX/2018 if we do not remit the entire balance owed which we do not owe. We have been trying to assume this mortgage once records were corrected and now they are trying to force us into forclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: TX

Complaint narrative:
fcra defamation of character law by putting back on negative information is 5 days transunion, XXXX XXXX XXXX, lXXXX all responsible {$1000.00} each by law part ( a ) 5h ( b ) ( ii XXXX must notify creditors more than 30 days also reported this 60 days ago

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 2018-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Vehicle was repossessed on XX/XX/2018, two weeks after a partial payment was made and applied to the account. There was also a full payment made and pending on the account the same day the vehicle was repossessed. I never received a letter with instructions on how to how to send remaining payment, as required per state law, but the account was brought back current on XX/XX/2018, via the payment method I always use and released the same day after a very lengthy 45 minute call ( which included calling my bank to verify all of the funds submitted were not in the process of being canceled ). 

On XX/XX/2018 and XX/XX/2018, XXXX reported to all of the major credit bureaus that this account was last updated with a payment made on XX/XX/2018, the account status is Involuntary Repossession and they closed the account. The account is in fact current and the due date effective XX/XX/2018 and XX/XX/2018 is XX/XX/2018. Also, I am showing that for the entire term of the loan ALL payments have applied soley to interest only.

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 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Vehicle was repossessed on XX/XX/2018, two weeks after a partial payment was made and applied to the account. There was also a full payment made and pending on the account the same day the vehicle was repossessed. I never received a letter with instructions on how to how to send remaining payment, as required per state law, but the account was brought back current on XX/XX/2018, via the payment method I always use and released the same day after a very lengthy 45 minute call ( which included calling my bank to verify all of the funds submitted were not in the process of being canceled ). 

On XX/XX/2018 and XX/XX/2018, XXXX reported to all of the major credit bureaus that this account was last updated with a payment made on XX/XX/2018, the account status is Involuntary Repossession and they closed the account. The account is in fact current and the due date effective XX/XX/2018 and XX/XX/2018 is XX/XX/2018. Also, I am showing that for the entire term of the loan ALL payments have applied soley to interest only.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: OH

Complaint narrative:
Vehicle was repossessed on XX/XX/2018, two weeks after a partial payment was made and applied to the account. There was also a full payment made and pending on the account the same day the vehicle was repossessed. I never received a letter with instructions on how to how to send remaining payment, as required per state law, but the account was brought back current on XX/XX/2018, via the payment method I always use and released the same day after a very lengthy 45 minute call ( which included calling my bank to verify all of the funds submitted were not in the process of being canceled ). 

On XX/XX/2018 and XX/XX/2018, XXXX reported to all of the major credit bureaus that this account was last updated with a payment made on XX/XX/2018, the account status is Involuntary Repossession and they closed the account. The account is in fact current and the due date effective XX/XX/2018 and XX/XX/2018 is XX/XX/2018. Also, I am showing that for the entire term of the loan ALL payments have applied soley to interest only.

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 2018-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I HAVE DISPUTED THAT THIS ACCOUNT IS NOT MINE & NEED TO BE REMOVED FROM MY CREDIT REPORT. IT BELONGS TO MY SON. ALSO, HIS INSURANCE INFORMATION WAS GIVEN AT TIME OF SERVICE WHICH WAS AND STILL IS FULL MEDICAID. THIS IS REPORTING NEGATIVELY ON ALL 3 CREDIT BUREAU REPORTS FOR ME AND IT'S NOT FAIR. THIS IS NOT A DEBT AND I AM NOT RESPONSIBLE FOR IT.

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 2018-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018 when traveling abroad on vacation I started to make an ATM withdrawal of XXXX pesos from an ATM. After reviewing the fees query on the screen I cancelled the transaction and retrieved my card ( no atm receipt was given since I had cancelled the transaction ). 

The following transaction occurred on my XXXX statement : ATM Withdrawal XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2018 ( {$340.00} ) Since this withdrawal was cancelled by me before completion no cash or receipt was received. 

I promptly notified my bank and they looked into it but declined to reimbursement and closed my dispute. They did provide a document from the bank but it was in XXXX and provided no resolution. I will attache this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: MO

Complaint narrative:
About mid XX/XX/2018 I contacted Transunion in regards to unreported accounts I have and asked how I can get them on my credit report. I was told to mail to them all the information needed such as company name, account history, and such. I did this and now when I call Transunion, they now tell me they are unable to add these accounts to my report, it must be the creditor who adds it. 
I am disputing incorrect information on my credit report, which by law I am allowed to do, incorrect information is not limited only to what is reported. If something is missing it does not properly reflect an accurate or close to accurate portrait, thus, basically making the credit report useless to begin with. 
Transunion is suppose to open a dispute and investigate the information. They have basically told me they will not be investigating the provided information because the creditor was not the one who provided the information. 
This is just wrong to continue to work against the people on issues that are so extremely important as a credit score. 
A simple phone call to the creditor to confirm the account is in fact real is not difficult to do.

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 2018-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Consumers Inc
State: VA

Complaint narrative:
United Consumers, a Collections Agency does not do anything except post allegedly owed debts onto my credit report. Their client never sent us an unpaid bill in XX/XX/XXXX and in fact we never found out that we had a bill that I alledgedly owed for {$87.00} until it first appeared on my XXXX   credit report in XX/XX/XXXX. 

Upong disputing the debt, the collection was removed. 

Then, after being turned down for credit, I sent for a Copy of my XXXX XXXX Credit report again in XX/XX/XXXX and found out that United Consumers was claiming that I owed {$87.00}. Although I did not owe the amount, it was not worth a fight with them, so I paid it off ( see attached -- Proof of my payment in XX/XX/XXXX ) for a " Bad debt '' that I never Received a written notice in the mail or even a phone call about, EVER! 

This year, I found out that my credit score was being harmed again by the the United Consumers, for reporting that I have a collection on file for {$0.00}, and this is harming my credit. 

Please ask United Consumers for proof of attempted collection, and for proof that they have followed the rules by removing a paid debt, that we actually did not even owe to their client. 
They have received 3 or more correspondences form us in the past year, in XX/XX/XXXX and XX/XX/XXXX and they never respond. ( See all attached )

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 2018-10-29 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I recently opened my credit report and discovered unknown accounts ; CHASE AUTO XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I am a identity thief victim. The following accounts are not my accounts. I've also included my identity theft affidavit of which I've sent a copy to my local sheriff department for further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I recently opened my credit report and discovered unknown accounts ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; PORTFOLIO RECOV ASSOC XXXX. I am a identity thief victim. The following accounts are not my accounts. I've also included my identity theft affidavit of which I've sent a copy to my local sheriff department for further investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL

Complaint narrative:
I HAVE DISPUTED THAT THIS ACCOUNT IS NOT MINE & NEED TO BE REMOVED FROM MY CREDIT REPORT. IT BELONGS TO MY SON. ALSO, HIS INSURANCE INFORMATION WAS GIVEN AT TIME OF SERVICE WHICH WAS AND STILL IS FULL MEDICAID. ALSO, THERE ARE 3 ACCOUNTS REPORTING FOR THE EXACT SAME AMOUNT. THIS IS REPORTING NEGATIVELY ON ALL 3 CREDIT BUREAU REPORTS FOR ME AND IT'S NOT FAIR. THIS IS NOT A DEBT AND I AM NOT RESPONSIBLE FOR IT.

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 2018-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX in XXXX, Florida is reporting a {$0.00} XXXX balance on my credit file. The company said that I paid the collection directly to XXXX XXXX. XXXX is saying they have no record of me going to collections. IT has all the information then it say XXXX balance. I have never made any payment to this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emerald Coast Collections, LLC
State: FL

Complaint narrative:
Company responded to previous complaint. Stating that they are not reporting on my credit report due to me not being in their system. Proving they can not validate the debt. I have attached proof of their reporting and the previous complaint.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: KY

Complaint narrative:
On my experian report I have debt collecter XXXX XXXX collecting for XXXX XXXX in XXXX. I have made 3 dispute claims with Equifax and XXXX and it still remains on my report. First attempt XXXX, second XX/XX/XXXX, & XX/XX/XXXX. Each complaint gets returned correct debter. That is not factual I'm telling Equifax XXXX XXXX its fraud and filed with the FTC for documentations. I spoke to XXXX ( XXXX ) whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like XXXX has done as well as XXXX   and with only one dispute filed. Please give me support in mediating and exersing my Fair Credit Rights. 3 disputes and will not remove it is rediculous. Last checked with XXXX XX/XX/XXXX pending investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: RI

Complaint narrative:
I have made my Mortgage Payment timely to Home Point Financial Corporation. It is the legal responsibility for Home Point Financial to pay the property tax and insurance from my escrow account in a timely manner. I received a tax bill from the City of XXXX showing a late fee due to Home Point Financial had failed to pay the taxes. I have sent Home Point Financial a Certified letter making them aware of the delinquent taxes. I have also sent a copy of this letter to the City of XXXX regarding the non payment of the taxes. I will upload a copy of the letter, the tax bill, and evidenced to show that my mortgage payments have been timely. I will also include The Certified Mail Receipts. I appreciate your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp.
State: AL

Complaint narrative:
I HAVE DISPUTED THAT THIS ACCOUNT IS NOT MINE & NEED TO BE REMOVED FROM MY CREDIT REPORT. IT BELONGS TO MY SON. ALSO, HIS INSURANCE INFORMATION WAS GIVEN AT TIME OF SERVICE WHICH WAS AND STILL IS FULL MEDICAID. THIS IS REPORTING NEGATIVELY ON ALL 3 CREDIT BUREAU REPORTS FOR ME AND IT'S NOT FAIR. THIS IS NOT A DEBT AND I AM NOT RESPONSIBLE FOR IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX claims I owe on an old XXXX account. The account in question does not exist. They have my full ssn and are threatening to report to XXXX tonruin my credit. They call daily and harass 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 explanation