vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-28 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: AL

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX  - account number XXXX. ( Please see page 6 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
Initial company is XXXX XXXX XXXX XXXX XXXX. They agreed to cancel subscription because my complex wasn't equipped for cable. They shipped equipment on my move in date ( XX/XX/XXXX ). I returned no later than XX/XX/XXXX. Then XXXX XXXX XXXX sold the bill to XXXX XXXX. I disputed XX/XX/XXXX. It was cleared on my credit report. Then again put on by XXXX. I disputed again and it was cleared XX/XX/XXXX. Now in XXXX of this year, it's sent to ERC. And not cleared. I would appreciate an investigation for this. Because, it seems as if XXXX XXXX XXXX XXXX XXXX cancelled but selling the bill to collectors. I would like for it to be removed permanently off my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: AL

Complaint narrative:
XXXX ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX  - account number XXXX. ( Please see page 6 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be 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 2019-08-28 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: AL

Complaint narrative:
XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX - account number XXXX. ( Please see page 6 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be 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 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello I have several inaccurate information on my reort that doesn't belong to me I never filed bankruptcy or have any negative information on my report. Please remove XXXX, 2 ban ruptcy. address where I never lived. XXXX 2007, XXXX XXXX. This mail has been going to this address. please help to remove all information that's not mines. XXXX, bankruptcies 2, XXXX XXXX, 2 XXXX, a collection XXXX. Please its hurting 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 2019-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
The company XXXX XXXX XXXX files 2 suits against me for 2 Credit Cards that fell victim to Identity Theft. On the recent credit report it shows one of the accounts with a balance of {$0.00} and the other as being charged off. The lawyer working with XXXX XXXX XXXX ( XXXX XXXX XXXX ) has provided no communication about this case after XXXX XXXX. In XXXX I received 5 forms requesting a date to appear in court. 2 of these were mailed from Texas, one was mailed in an envelope with a Judges name and address, and 2 were mailed with a PO box Georgia address but no firm name in the return address. The first item I received was a incomplete form requesting a court date. The other 4 followed but none of them had the stamp of the clerk of the court.on them. I emailed XXXX XXXX XXXX who replied that he and the court sent them. I replied XXXX 's email that I received a total of 5 of these forms, 2 with a PO box return in Georgia, 2 with PO box in Texas, and one from in the envelope with the Judge 's Name and address. Mr.XXXX did not reply to my last email. 
So the other day went to the county website to check on the tax bill to find out that XXXX XXXX XXXX and XXXX XXXX have placed 2 Liens on my home. The Judgement date on the liens is XX/XX/XXXX the same day that the tax assessment bill was processed. However, the liens were not recorded until XX/XX/XXXX ; about 2 weeks ago. 
I have received no word from XXXX XXXX since the email of XX/XX/XXXX. 
And the liens now have had the attorney 's fees added to the total amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: NJ

Complaint narrative:
My husband and i purchased a home in XX/XX/XXXX. Our mortgage was sold to XXXX XXXX and the 1st payment was due in XX/XX/XXXX. We set the payment up on XXXX online and figured all was ok. I received a call 3 months later stating that we are 3 months behind on our mortgage and owe a balance of over 9k. I immediately paid this over the phone and asked why the online payments never came out and why is this the first i'm hearing of this?. The representative said we never set it up. NOT true. I never received a call, email, letter, nothing trying to retrieve the payment until the call i got 3 months later! if you look at our credit, in the 54 years of us being married, never have we ever ever missed 1 mortgage payment. ever and we can not get them to reverse it so now our credit is showing 3 late payments and this is hurting our credit. i want to lodge a complaint to all 3 credit bureaus and XXXX XXXX. This is very unfair to us. we are senior citizens and do not deserve to be penalized for their error. Please try to help us and go after XXXX XXXX to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I did not receive a {$200.00} bonus coupon code until XX/XX/19 & when I opened my account with a {$100.00} deposit I then set up my direct deposit from my jobs website. Now Im being told the coupon is only valid when first opening but that was not clear when I called before opening the account or upon visiting a brand for my {$100.00} deposit into the checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-28 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: WI

Complaint narrative:
XXXX XXXX is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 XXXX XXXX appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, Equifax, removed XXXX XXXX because there was no basis for their claim. I have disputed XXXX XXXX to Equifax 3 times and they keep coming back saying it's legitimately belonging to me. XXXX XXXX is destroying my credit/FICO scores by their false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In XXXX, I received a bill for {$740.00} from Navient. On XX/XX/2019, I called and expressed my concerns for repaying the student loans. I shared that the monthly payment is way too high for me and I just finished taking graduate classes in XXXX. I expressed that I could only pay {$100.00} a month. Im not making enough money to pay them that much and other expenses. They denied my request for forbearance and they attempted to lower my payment. The lowered payment was around {$500.00}. I shared that I still can not afford that payment. When the bill was due, I paid {$50.00}. The customer service rep told me that wouldnt help and I expressed again that I cant afford the monthly payment. XX/XX/XXXX and XX/XX/XXXX I paid {$50.00}. On XX/XX/XXXX, The company is threatening to report the status of my loans to the consumer reporting agencies on XX/XX/XXXX. I have been paying what I could afford and theyre still asking for the full amount of {$740.00}. Ive talked to multiple representatives and none of them are understanding about my financial situation. I even tried to refinance the loans with the company and I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
My car was purchased XX/XX/2016 and my payment is XXXX a month I called the company to make arrangements do to my pay not being on the XXXX of each month. The rep stated what day will work for u I said no later than the XXXX of the month. The response was it's not a problem. So they started calling me on the XXXX I stated to them I made arrangements to pay by the XXXX and was told it was not a problem the rep on the phone said that no one told me it was not a problem. So this month I payed XXXX on the car and made the XXXX payment on the XXXX now I am being called over XXXX saying it's a pass due late fee and they will take my car I stated to them I was never told I had a late fee and the rep said it's not her problem and I said I will pay it on the next payment due to me having a hard time and she said well we will continue to call u .I said I have been called more than 7 times a day she hung up on 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
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
This is the second complaint I have filed with you all against DiTech Financial through your company. I have to say you all handled the companies response and closed the case with NO documentation to prove the lies they told. We have had an account with DiTech Financial since 2006. We have never missed a payment and NOT I repeat NOT been late one single month all these years. But when our loan is due to mature on XX/XX/XXXX we have a {$6000.00} balance. How is this possible is what we asked and we have gotten nothing but the total run around. We have been hung up on, lied to and disrespected by this company for months. We filed a report with you all in hopes you protected your consumers instead DiTech tells you we owe this outrageous balance due to late fees and a cancellation on our automatic drafts for our mortgage payments. This is NOT true at all. We did cancel our automatic drafts 2 months ago because they had yet another company restructure and told us we had to set up one monthly draft instead of the biweekly drafts we have made for years. So we agreed and set it up and guess what they did took out 2 full mortgage payments in one month after they claimed they could not do that. Then we played heck getting the money refunded. This is all happening while you all were supposedly helping us resolve this issue of the huge balance. So instead of DiTech Financial researching the account they mail me a 38 page payment history with a generic letter saying you owe the balance. No information no explanation at all. Then they tell you all we owe it for late fees. Anyone with any common sense would know if we had {$6000.00} in late fees they would have foreclosed on our home by now. But you all believe it and they submit as proof the original loan agreement from 2006 how does that prove we have not made our payments and owe the balance. It doesn't and you all have the nerve to close the complaint and not even contact me to give me a chance to defend myself in this you say it has been completely resolved. For who I ask? You because it was not us. How horrible is this. This is Consumer Protection I think not! You all are as bad and as low down as DiTech Financial. You need to reopen this and actually require proof of the so called solution not write it all off to save some work!! Stop pretending you protect or even help all the consumers because if this is help NO ONE NEEDS IT!!!!! As for proof I have all 38 pages of my payment history I will be more than happy to send you! I am attaching it!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
CapitalOne has assessed fees and fines on my credit card account that are in error. I have on a number of occasions spoken with numerous representatives in the Disputes Department regarding this issue, as well as providing evidence to the Bank that it is responsible for the error that has led to the present state of affairs, and requested that the Bank correct the situation, all to no avail. This situation began when I attempted to place into dispute a {$49.00} charge made by the merchant XXXX on XX/XX/XXXX. I subsequently paid the renainder of the statement balance in full. However, the Bank made an error when it placed another charge from another date in dispute ( please see attached document- {$100.00} charged on XX/XX/XXXX ). It thus appeared to the Bank that I did not pay my credit card statement in full, thus initiating subsequent late fees and interest charges. The Bank has refused to take any corrective action. I thus seek the assistance of the CFPB in getting CapitalOne to take responsibility for its ' error and to waive all outstanding fees on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Freedom Mortgage, my homeloan service provider made an unauthorized modification to my home loan mortgage by updating the address to an incorrect and unidentified mailing address that was different from the primary residence and property on the mortgage. Not a single notification was sent to me, the borrower at the residence address which was also the address of the property listed on the mortgage. 

Upon multiple calls I found out a loan modification was made by entering incorrect mailing address without borrowers permission. All written notices since were sent to the incorrect address causing the loan to default and start of foreclosure proceedings. The wrong address including notice of change of provider, statements of past due etc., causing severe distress and foreclosure proceedings.

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 2019-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Have been receiving calls for months on my cell, at my work, and on my husband 's cell. Today I called the number back at ( XXXX ) XXXX with reference # XXXX. Only after I asked the man said that the company 's name was XXXX XXXX XXXX. He said that I had a debt with Citifinancial with a balance of {$1400.00} and last payment in 2013. He would settle it for {$710.00}. I said that I wouldn't pay until I could verify the debt. He stated that " they're not going to recreate the wheel '' for every little debt and that they would file paper at the court ( which is fine by me because they'd have to provide proof ). I have no recollection of this debt, and I've checked my credit. I did have an account with Citi, but it was in good standing when it was transferred to another company. This is a bogus debt. I have a really important job in local government, and I really need these calls to stop at my place of work. I can ignore scam calls all day on my cell, but they have to stop calling my work. I am on the national do not call registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: LJ Ross Associates
State: WI

Complaint narrative:
LJ Ross is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 LJ Ross appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, XXXX, removed LJ Ross because there was no basis for their claim. I have disputed LJ Ross to XXXX 3 times and they keep coming back saying it's legitimately belonging to me. LJ Ross is destroying my credit/FICO scores by their false claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
XXXX at Gold Star Finance keeps calling and coming to my home and harrassing my friends and family also. I have repeatedly told her that I had XXXX for XXXX XXXX  XXXX and that as soon as I was back to work I would pay her. It is a small {$200.00} to {$300.00} loan. I have asked them to stop calling and coming to my house and they continue to do so. I cant even go in my front yard for fear of them stopping by.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: AZ

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX - account number XXXX. ( Please see page 2 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The debt in question ahs been on my credit profile for a few years and I have sent multiple letters to the credit bureaus as well as the debt reporting company for removal. Starting in early XXXX I reached out the company requesting proof of debt, and even as recent as XX/XX/XXXX asking for proof of debt and none was sent. However, not only is the bad debt reporting on my credit, it is reporting twice as a duplicate, which is further impacting my credit score. As per the FCRA laws I am entitled to a accurate report of the supposed debt showing the initial contract and even entitled to up to {$1000.00} in damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
After reviewing our statement, we noticed a charge on our card. This was on or about XX/XX/2019. We attempted to contact Security Bank Card several times between XX/XX/XXXX and XX/XX/2019. We had little success, and even attempted to go into an Arvest Bank Branch and talk to a Branch MANger to Assist us. 

Our dispute was declined, even though we had been trying for months to get it resolved.

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