vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-24 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: NC

Complaint narrative:
Referring back to complaint # XXXX with XXXX XXXX, the investigation was completed and XXXX XXXX reported correctly the status of a mortgage account that was transferred/sold back in XX/XX/XXXX. XXXX   and XXXX  both have the information reported correctly on my credit report ; however, Equifax did not report the information as requested back in XXXX. My credit score has been significantly impacted with Equifax due to their error. This error was noticed on XX/XX/XXXX when I was trying to obtain financing for equipment for my business. I contacted Equifax and was told " we do not enter any information without the lender sending it over '' ; therefore, I initiated a dispute with my lender, XXXX XXXX. After the investigation into the matter by XXXX XXXX, the fault for my credit score dropping, dropping and dropping again is due to Equifax not reporting correctly on my report. Provided is documentation backing up my complaint. 
1 ) Copy of XXXX and XXXX credit reports indicating the transferred loan was reported back in XXXX. 
2 ) Copies of Equifax credit reports indicating my score and reporting of the loan in question on the dates ofXX/XX/XXXX ( indicating 2 mortgages open ) ; XXXX ( corrected report with 1 mortgage open ) ; XX/XX/XXXX( no mortgages open ) ; and XXXX ( open loan added back to make report correct AGAIN ). 

As you will see, my credit score went from XXXX to XXXX to XXXX to XXXX in a matter of 9 business days ... without any activity other than the Equifax entries. 

My question is ... Why did XXXX and XXXX get the information posted correctly back in XXXX and Equifax did not? Thru XXXX XXXX 's investigation, the information was sent to Equifax on XX/XX/XXXX, to report the loan as transferred/sold ... so why was it not done??? XXXX XXXX also resent the same information to Equifax on XX/XX/XXXX as a precautionary update and at that time, Equifax removed all open mortgage loans on my report. UGH! 

I am very upset with this entire ordeal, as it has caused me to not be able to obtain lending since my Equifax score is below the 620 threshold my bank requires! This is no fault of mine and I desperately need this score repaired immediately as I need to purchase a {$50000.00} piece of machinery for my business! 

Bottom line -- -- why did 2 out of the 3 credit reporting agencies get the information correct the first time it was reported and Equifax made four different entries on my report causing me to suffer???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union has employees stealing thousands of my money everytime I spend it. They are making banking errors denying my claims and then reversing the denial and stealing the money. XXXX XXXX XXXX ( XXXX and XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) and and XXXX refunded me money and they keep trying to keep the money and not credit it back on top of trying to take money by fraudulently claiming false fees when I am not making credit but debit purchases. They also stole money from me when I reported my credit card information was stolen while in jail and while at the airport. They denied my claims and plan on keeping the money after closing my account. They cooperated with corrupt police officers in XXXX/XXXX  area and fraternized with them and stole money from my account trying to change the status of my case. On top of all of this they did not report all of my transactions on the documents given to me. They intercepted my calls as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I filled out a complaint on XXXX XXXX on XXXX  Complaint # XXXX and was seen if yall can send my respond to this email XXXX   cause I cant log in that one to see what they said and really need the complaint feel they just trying to stay on my credit long and show wrong amount owed

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 2018-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
XXXX XXXX XXXX, XXXX VA have claimed for medical services but they provided lab services and sent bill to wrong insurance company which is the parent company of XXXX XXXX XXXX XXXX XXXX. The insurance company paid lab portion of the bill but not medical services. I have asked the XXXX rep about it. They told me to provide my Insurance ID and Copy of my Driver license once again and they will correct it and I did. 
Two bills one for me and for my wife {$89.00} each for medical service but we both went to get the lab work done which is covered by our insurance. Our primary doctor covers all medical services and our insurance pays 100 %. XXXX XXXX told us they participate with our insurance and the bill will be covered. XXXX XXXX XXXX never called or send us the final bill showing if insurance didn't pay after their submittal or what portion of the bill is paid by insurance. Instead they have sent it to collection agency. This is totally unexpected behavior from a reputable company like XXXX. If we owe or didn't call them than they could take action as needed. They ignored to inform us or made any attempt after my submittal of requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: FL

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX Date Opened>>> XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I never entered into an agreement with this company for any services. I never received any correspondence validating any financial obligation. They are reporting inaccurate information on all three of my credit reports. This company is violating my rights 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 2018-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
The debt collector and the credit agency are in direct violation of the FCRA. The debt collector did not send proper documentation notifying me of the debt or me right to dispute. Several written notices have been forwarded to both the debt collector and the credit agency. The debt collector and the credit agency have failed to show legally DOCUMENTED proof that a notice was sent. In an effort to continue to falsely collect on a debt I do not owe the debt collector and credit agency are reporting erroneous information. Also, the debt collector has violated the FTRA by not properly reporting valid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XXXX is currently reporting me to XXXX  credit services as Failure to Pay. there are two problems here.

1. the same account appears twice on my XXXX report. I have contacted XXXX 5 or more times about this issue and they can not or will not correct the problem. 

2. XXXX is reporting account as an installment loan. One the report it clearly says terms are unknown. The account has been paid in full and should not be reported on my report since it is almost 8 years old. 

XX/XX/2018 contacted XXXX was told there was nothing they can do, directed me to call XXXX. 

Called XXXX put in a dispute saying the debt is a duplicate account. 

XX/XX/2018 Notified by XXXX that XXXX validated both accounts. 

Called XXXX about the dispute they advised me they had to finish disputes in a timely manner so they validated both of them. They advised me to call XXXX   back to dispute again. 

Called XXXX back they said no they cant dispute again without me having some additional information. 

called XXXX back, they said they will try to fix it but can promise anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: WV

Complaint narrative:
I have been monitoring my credit report with Transunion only for about 3 months. I had an identity theft a few years ago and it was never resolved. I was forced into a bankruptcy in 2015. I have been working very hard to get my credit repaired, but Transunion seems to be very careless about what they put on a person 's report. They have multiple inaccuracies, first, I have an auto loan with XXXX XXXX XXXX. I am showing as about 6 months late payments. This loan is in litigation with the XXXX XXXX XXXX for harassing collection calls made to me when my payments were not late. Since the attorney took this case, XXXX has mailed me back every payment I have sent them. They will not talk to me at all about the account, saying that everything is on hold pending the resolution of this. They will not make this known to Transunion. 
Also, I have disputed several times collection accounts that have appeared on the report. These are not my accounts. They will not remove them. I also have some medical collections which should not be there, as to my knowledge, my insurance covered. I was told by the doctor that I have no copay and did not owe anything, yet these remain. 
Today I received a notice that a new collection went on, but I can not find it. It took 80 points from my score. 
The only item new is the report showing that I used my credit card. 
The other issue is that I want an explanation as to why a credit score determines what you have to pay for Car Insurance, House Insurance, Life Insurance, and whether you can have a bank account. This is OUTRAGEOUS! There is NO VALID reason why this should be as it is. 
These Credit Reporting Bureaus should be ABOLISHED!! They are causing untold destruction to people who have had things happen that are NOT in their CONTROL!

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 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I never entered into a contract with this company. I never received any information regarding my rights to dispute. They are reporting inaccurate and negative information to all three credit bureaus. They are violating my rights 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 2018-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
A couple of months ago, after years of not having credit cards, I decided I needed some access to credit for a month or so to cover expenses. 

I applied for 4 cards one of which was the Chase XXXX XXXX and was approved and got the lovely card in the mail. 

I used the Chase card quite a bit with the knowledge that I would pay it off over the next 4 months when my projects finished and I was able to invoice my clients. 

After using a good amount of my credit on the unlimited card. I found myself declined for a purchase so I reached out to Chase. They informed me suddenly that my account was now closed and this was due to multiple inquiries and over usage.

You can imagine how shocked I was, especially since I made my last payment early and was on my way to establisshing a nice, reliable relationship with Chase.

Not only that, but they would report to the Credit Agencies that it was " Closed by Granter '' which frankly is absolutely unfair as now they decide to close my card and ruin my credit! For no real reason! 

I asked the rather rude fraud specialist manager that if I plan to pay this off and on time, why should that effect my credit and can you do something ... Nothing. I have never been treated as a new customer so poorly.

I ask you how fair is me joining the Chase family, utilizing the card given to me, paying on time, warrant a 7-year mark on my report and losing my card account?? 

I hope chase is the kind of company that will resolve this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I paid my XX/XX/XXXX mortgage payment in the amount of {$1600.00} to Ditech and my XXXX XXXX XXXX account was debited on XX/XX/XXXX.

On XX/XX/XXXX, I received a letter from Ditech that my escrow account was short and noticed a late charge in the amount of {$59.00} was assessed to my account. I called Ditech and spoke with a customer service represenative about the late charge. During my conversation with the respresntative, the representative stated that I have until XXXX to make my mortgage payment and my payment was received at XXXX. I explained to the representative the cut off time for making mortgage payment isn't on the bill statement and I asked how would a customer know this information if the information isn't on the billing statement. The representative was unable to answer my question and advised a manager by the name of XXXX will call me back within 24 hours. 

As a result, the manager never called back and I received the XX/XX/XXXX billing statement stating my mortgage payment had not been received with the late charge assessed to my account. 



Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I have reported this debt on my credit report to each credit bureau and also the company that placed it because it is a result of identity theft. I have lived in XXXX, XXXX since XX/XX/XXXX and once I moved out of my fathers home in XX/XX/XXXX I put my electricity bill in my name and have so even now. There is no reason I would have needed a electricity bill in XXXX XXXX when I do not live there. This is a case of identity theft. I have never received any bills, notifications, or any other notice of this account until it was placed on my credit report and I have been dealing with trying to have it removed and a fraud alert placed on my account since then. The amount is {$2400.00} dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I am submitting a complaint against the collection company " XXXX XXXX XXXX , XXXX '' Since XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been incorrectly trying to collect a fictious business tax that I do not owe via Allianceone Receivables. Despite my CPA following up with Allianceone with a dispute package detailing the circumstances in great length, going so far as to get the documents notarized, I am still receiving letters saying that I owe this tax with increasing interest, when in fact, I never owed the tax to begin with. 
The last letter I received regarding this tax was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: KS

Complaint narrative:
I have disputed this debt on several Occasions and the debt collectors portfolio has only provide a bill statement no other evidence I have submitted police reports and I was apart of XXXX breech and identify theft also XXXX has removed this account and then they put it back on my account and now XXXX is giving a hard removing this fraudulent account when all other credit reporting agencies have blocked this account also the dates of the account being opened are inaccuracies and the year and date The companys are portfolio recovery and XXXX please remove these account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: PRESTIGE FINANCIAL SERVICES INC
State: CT

Complaint narrative:
I purchased a car through Prestige Financial. A year after owning the vehicle the payments became too much for me. I sold the car to a family member. Before I sold the car I contacted the company and asked them if the new owner could assume the loan and title to the car. They assured me that the title of the car would be transferred and that I would become the co-signer and the buyer would be the primary loaner. Prestige Finanacial took the new buyers information and added them to my account but never transfered title or added them to the loan itself. They entered into a payment agreement with me and the new buyer while accepting payments from both of us. The new owner paid as agreed but because I did not continue my payments myself they repossed the car a week after recieving a XXXX $ payment from the new owner. After the repossesion they placed the loan amount on my credit report as well as the new buyers credit report. PrestigeFinancial misreprented themselves, they fraudelntly added the buyer to my account but did not add the buyer to the loan or transfer the title as promised. Since they did not do as promised the new buyer should not be on my account for they have no interest, and no contract with Prestige Financial. I ask that they stop reporting false information to the credit bureaus because the loan clearly states my name alone not the new owners. They illegally repossed the car after they entered into an agreementand accepted payments on the past due amount. They collected money from the new owner and pretended that the new owner was really on the loan.They accepted payments from the new owner and still repossessed the car. I have a copy of the loan and the new owner was never added. All monies that was collected from new owner should be returned to the new owner because they never had a contract with Prestige Financial and Prestige Financial fraudently purported as if they have a valid contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: KY

Complaint narrative:
In 2012 I moved out of an apartment. Before I moved I notified the apartment manager 60 days before my lease was up of my pending move. I was told to make sure I dropped the keys in the night box and to clean the apartment well before leaving. After leaving I received an bill for damages to the apartment that was not true. I have tried to settle this issue with the apartment but was told that the bill was being handle by a collection agency. I called this agency twice to work out something just to remove this negative remark from my credit. Instead what I got was a rude agent that tried to get me to admit that I owed for this bill. I explained that I didn't owe for this bill because it was false but i want to work to have it removed from my credit report and the agent refused to work with me. On the credit report It mention that I owe XXXX. But the agent said I owed more than the XXXX. So this negative remark lingers on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I obtained an auto loan with Capital One Auto Finance in XX/XX/XXXX and I signed a contract for a four or five year loan. I am being told that my car will not be paid off until XX/XX/XXXX. That is a 10 year car loan. I never agreed to a 10 year car loan. I believe that Capital One is intentionally deceiving consumers with predatory lending and abusive car loan practices to include some or all of the following : 1. loan flipping 2. breach of contract 3. fraud 4. predatory lending 5. abusive car loan 6. bait and switch 7. equal credit opportunity act 8. truth in lending 9. discrimination 10. intentional deceptive practices

Company response to consumer: Closed with explanation