vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-11 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: CA

Complaint narrative:
About a year ago I brought the problem with this company to your attention ; Experian is constantly reporting late or incorrect. About 45 day ago I paid off all my debt. The payoff where submitted to all the credit burls on the same day. XXXX   and XXXX are reporting my score is the 700 's, but Experian is reporting XXXX. I'm not sure if this is race base or anti military I just tired to trying to make a purchase and have to pay more for the purchase because of incorrect reporting on Experian behalf. 

Experian is report ( 4 ) item 's that effecting my score, as follows 1. I have serious delinquency or derogatory indicator, public record and/or collection on my credit report.

2. I have a recent public record and/or collection on my credit report.

3. The remaining balance on my mortgage or non-mortgage installment loans is to high.

4. I have few accounts that are in good standing.

My rebuttal to these incorrect report lines ; 1. 45 days on the letters that the other reporting agency have record it.

2. I have paid off all my debt there was a dismissed bankruptcy that is on the report.

3. I don't have a mortgage yet " there statement is out right lie ''!

4. All my account are in good standing " another outright lie ''! 

Inclosing I returned from XXXX in 2008 and would just like to move on with my life company like Experian has made this more difficult. I just want to have them report the right way so I can achieve my goals.

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 2018-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I have written Cavalry 7 validation of debt letters within the past 6 months, ( dated XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 ) which clearly outlines the specific documents to be sent to me under my Fair Debt Collections Practices Act rights. To date, I have received none of the specific documents I have asked for in my validation of debt letters. I have asked repeatedly for Cavalry to send the information to be sent to me to validate debt claimed owed, but Cavalry has IGNORED all of my written validation of debt requests by not sending the documents I have asked for in my letters. Cavalry is claiming that the account information is accurate and true, which is false because they have not fully complied with my validation of debt letters and federal law. Cavalry is also reporting false information to the credit reporting agencies, because they have not sent me the specific documents I have asked for in order to validate debt claimed owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification.. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to agency on XX/XX/2018. Company is still not providing me with a signed copy of the contract with XXXX XXXX XXXX. equi verification that is in compliance with the fair credit reporting act and must be deleted from my credit file Still no resolution and it is XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Consultants of California
State: CA

Complaint narrative:
This is a response of a previous issue with a medical debt where I can provide the case # XXXX I did file a care concern, obviously when I called the very rude and not understanding representative on the phone. I did not agree with the bill and if the hospital was able to help me I would have gladly paid it, But in my case, when the hospital or XXXX said there was not much that could be done and used wrong supplies on me. I was mistreated and was in the same exact amount of pain when I left. I was not able to sleep all night from the pain and the next day needed to seek further care and treatment since XXXX was not able to help me. 
I will file a complaint with the physician board, dept of insurance, and any other related dept, that overlooks hospitals if I have to. The XXXX that tried to assist me did not have the proper equipment and if she knew that, then I should have been informed that and would have refused service. Bottom line is that I needed to go out of my way because of the pain and spend more money to ease the pain I was experiencing. I went out and have proof of purchase to a beauty supply store that sells small scissors, the same ones that you would find at a nail salon when cutting your fingernails. I was easily able to cut the finger with the small sharp scissors to the point where it was not bending backwards and causing any pressure anymore. I am submitting the line item from my credit card statement and actual image of the product I purchased the following day. 
You can also see a comparison of the a similar size pair of scissors vs the ones the hospital should have used in my situation. 
Would you cut your own fingernails with the same pair of scissors designed to cut construction paper? I included backup photos of the proof after how it looked when i treated myself after.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC
State: MO

Complaint narrative:
The file is with the bureaus. Their number is XXXX XXXX XXXX. I called them today and they stated that they no longer had the file # XXXX and they they sent it to a collection agency called D & A services. They transferred me to D & A services and I spoke with the manager XXXX XXXX, she stated that they do not have the file that they say I owed. I asked her well why is it being reported to my credit report, she told me to contact the bureaus agency again. I did and they insist that they did not have the file either. Please have this removed from my credit report asap because they are reporting a file and debt that they do not have record of. XXXX is the only bureau that has taken this off my report..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
XXXX XXXX XXXX have engaged in Extrinsic fraud. Under Florida law the definition of Extrinsic fraud was specially articulated in the United States V XXXX, 98 U.S. 61,65-66,25 L.ED.93 ( XXXX ), in which the United States Supreme Court said : Where the unsuccessful party has been prevented from exhibiting fully his case, by fraud or deception practiced on him by his opponent, as keeping him away from court. 
On XX/XX/2018, the law offices of XXXX XXXX XXXX XXXX XXXX, e-filed through the court system motion to re-set foreclosure sale without any notices to my attorney of record XXXX XXXX XXXX. If fact if you review the service list you will find that my legal counsel was not serve with these documents at all yet XXXX and thier attorney are fully aware XXXX XXXX is the attorney of record therefore we must be serve with all matters pertaining to the case .XXXX  and their legal team failed to serve my attorney in order to acquire a sale date without the presence of legal counsel and my self. The motion reflects that the documents were sent to us instead of attorney. We received copy of said motion after the hearing had taken place and the sale date acquired without my knowledge or legal counsel XXXX XXXX. This act constitute extrinsic fraud, when the opponent party keeps you away from trying or defending your case in court. See motion filed for readiness for trial where my legal counsel was properly served by law, however in regards to acquiring a sale date, XXXX and its legal engaged in conduct related to extrinsic fraud. We have also attached plaintiff notice of readiness for trial where XXXX and its legal representative serve my attorney accordantly, however failed to do so in regards to the sale reset which constitutes in extrinsic fraud. On XX/XX/2018, we requested mortgage assistance however in retaliation for filling complaint against servicer relating Florida deceptive fraudulent ownerships transfer of the note Case no. XXXX, the request was denied. The servicer claimed that the investor of the loan does not offer modifications. XXXX is an approved XXXX XXXX servicer and participates on all Tarp loss mitigation resolution including and not limited to the XXXX XXXX Flex program, on which we meet all criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Back in 2015, I provided all 3 credit companies with my proof of ID theft, along with court documentation showing that all accounts were to be disputed and removed for consumer credit report. At that time, I sent in that request to remove all hard inquires, along with all collections accounts. Upon checking my credit, it was found that a collection account still remains on my credit report, and I also have three account that should have been removed from report. This has damaged my good name and credit with these accounts still being present. They are also reporting that accounts that I have open are currently delinquent, when they have been all paid up and current. They are reporting out dated information, and it is making it hard for me to get any type of additional credit. I should be rebuilding my credit right now after over 7,  almost 8 years of having to fight for my identity back. I am asking that all three credit companies, Experian, XXXX, and XXXX update my information ASAP! I have sent letter certified mail, sent in copies of court documentation showing what has happened, and I want all hard inquires and collections and outdated unverified accounts removed from my report or I will take further legal action and sue all three companies! This is ruining my life! I want to purchase a home in the next year, or so.. And, I don't want this information holding me back. I just want to start fresh like I've been trying to do for the last 2 years.

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 2018-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in wish to gain your help. Presently I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a very important part in this procedure. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX  ) on XX/XX/2018 and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 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: SC

Complaint narrative:
reporting an incorrect account, incorrect account number, a missing field of 81- month payment history, an inaccurate date of last activity, an inaccurate date of high credit, an inaccurate date of credit limit, an inaccurate actual payment amount, an inaccurate date of last activity, an inaccurate activity description, an inaccurate date of last update an inaccurate description of month reviewed. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

these items must completely deleted according to inaccurate and incomplete reporting under the fair credit reporting act

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 2018-07-11 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter Finance is reporting an account in the amount of XXXX to credit bureaus. The account was charged off in XX/XX/XXXX with a balance of {$13000.00}. The vehicle was sold for XXXX. The cost of repossession was approximately {$1100.00}. The company starting charging interest on the account after it was charged off and closed with out sending me any detailed statements about the interest. The company reported this account in XX/XX/XXXX with an amount of {$9100.00}. They kept charging interest until XX/XX/XXXX when the amount reached {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a notice that PNC had flagged my account for a payment being 30 days late. Here is the issue, over the last 4 years I've never had a late payment. This apparently occurred because I traded in my car at XXXX XXXX on XX/XX/2018 and the dealership didn't pay off the loan for 30 days. I reached out PNC customer service to which I was told by the agent that she agreed the account was settled, had no idea why a late flag was made to the credit bureaus. However, she said there was no way she could correct it and that I had to write a letter to PNC. I wrote the letter and called the executive care team to which I was told it can't be fixed since the dealer paid the loan late. 


The other part of this situation that is considerably frustrating is that on XX/XX/2018 I received a call from PNC in which they were asking if I was making a payment this month to which I replied the vehicle was traded in on XX/XX/2018 to which she replied she would make a note. She did not mention anything in regards to sending a note to the credit bureau for a late payment. I would have made the payment over the phone and just waited for PNC to refund me the overage. 

In the end, I just want my credit report fixed. I have never had a late payment on my report my entire life. This late payment has dropped my credit from a XXXX to a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I had a HSBC credit card taken few months back and used it for making purchases and also paid the amount in time for the initial statements. I don't know that my card is been blocked for security reasons and even I'm blocked from paying payments towards the amount used in the credit card. Its been almost 60 days by now that my card is been blocked and tried to reach them for 32 times waiting each time for 1 hr and my issue is still not resolved. 

Every time I make a call to them they say that this is not the concerned department and transfer the call to some other department and make you to go around making you to wait for almost a day if you want to stay on the call. The longest wait time I had on call is around 3hrs and this is one of the worst customer service you will come across.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: Navient Solutions, LLC.
State: WI

Complaint narrative:
While reviewing my credit report, I noticed there was a student loan listed on my credit report from Navient which was apparently opened in 2007. I attempted to notify them that the account does not belong to me and I have never had a student loan, however they stated that my information was used as a co-signer on a student loan and I am responsible for the debt but would not listen to me that the account does not belong to me. 

I have never attended college so I have never had a student loan, my son was on XXXX years old in 2007 and has never had a student loan, and I never agreed to co-sign on a student loan so I filed a dispute with XXXX  and XXXX. Navient responded to the Disputes by " Certifying the information is correct '' and refused to remove the account from my name. I did not receive any further information regarding how the information was verified or certified by Navient, but XXXX and XXXX recommended filing a complaint if I did not agree with the results of the dispute. 

I feel it is unfair to report a debt against me that I did not authorize or agree to, nor should I be held responsible for a debt that I did not agree to or authorize. If my information was used to obtain a student loan, it was done without my authorization or consent and I should not be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TrueAccord Corp.
State: GA

Complaint narrative:
On XX/XX/2018, I received an e-mail from " XXXX '' stating that I had an outstanding balance of {$4800.00}. The bottom of the e-mail stated that this was a communication from a debt collector. Being unfamiliar with this amount, this debt, or this debt collector, on XX/XX/2018, I responded, saying " I do not acknowledge that this debt is mine and take no responsibility for it. However, I'm willing to pay {$300.00} to have this account settled in full and deleted from my credit report. '' On XX/XX/XXXX, I received an e-mail from " XXXX '', acknowledging my dispute and stating that he would file a dispute formally for me. He stated that they would reach out to me soon after they received more information from " XXXX XXXX XXXX '', signed " XXXX XXXX, True Accord Engagement Team, with an address I later used to dispute the validity of this debt. 

This same day, I e-mailed XXXX XXXX XXXX contesting this debt and received the response : " Your account has been transferred to our partner company TrueAccord and they should be contacting you to assist in resolving your outstanding balance with XXXX XXXX. Your current balance is {$4800.00} We encourage you to work with them to resolve this outstanding balance. To do so, please contact them directly at XXXX or email them at XXXX. '' Considering that they no longer and collecting the debt, I don't understand how they can continue to report negatively on my credit. Legally, they can not. 

XX/XX/2018, I sent TrueAccord a request to validate this debt via XXXX certified mail ( tracking number available ). This letter was received by an individual on Monday, XX/XX/2018 to the address listed in the e-mail I was first sent ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA ). This would have brought the amount of disputes for this debt up to two. 

As of today XX/XX/XXXX, I still have not received any correspondence from TrueAccord regarding the validity of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I saw in my report from years ago that I have Medicare because I have XXXX XXXX and this happen years ago. I advised that I'm on Medicare/Medicare back when I went to the Dr . I gave my info to the hospital and I was told it was not filed by the 3rd party. I never knew this was on my acct until I applied for a house. I did a dispute and they denied it twice. I sent the card to the hospital and I thought it was paid. It was not paid and now they have this on my report. I have Medicaid/Medicare and I sent proof. Please have them take it off. The 3rd party is harassing me and I advised them.

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 2018-07-11 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: IL

Complaint narrative:
Complaint submitted on XX/XX/XXXX to Transunion, XXXX, and XXXX. The have not deleted any incorrect information. The things reported in XX/XX/XXXX are still on the credit report this is XX/XX/XXXX ,11years. The statue of limitations is 7 years. Inaccurate information should have been removed 3 years 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