vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & R Collection Service, Inc.
State: TX

Complaint narrative:
Contacted business R + R Collection Services through XXXX XXXX XXXX and requested proof of notification, signed certified letter etc. that shows that I was given notice before derogatory information was listed on my 3 credit bureaus. I requested that they remove upon making payment for that reason but business has refused to remove negative information.If Business can provide written proof of notice before the date they put negative information on my reports I will drop complaint immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Made several attempt to resolve these issue but to no avail could I get this resolved. RADIUS GLOBAL SOLUTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I disputed an account on my XXXX  credit report XXXX XXXX over a year ago. I disputed that the payment history wasn't being reported correctly because there was a few months missing that wasn't reported being paid. XXXX  said the account was verified so the account remained the same. I was comparing my XXXX and XXXX  report on my XXXX XXXX   account and i notice that XXXX is showing that this account was Charged Off but XXXX  has this account showing as Paid Charge off. So when i saw this inaccuracy i decided to dispute this with XXXX  on line but XXXX   wont let me dispute this account again when i try i get the following message. " For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you. '' so when i call the number i just get put on hold for over an hour. Then i get hung up on. So today im asking XXXX  to let me start a new dispute investigation with XXXX XXXX. I also have proof verifying this inaccuracy.

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 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XXXX I pulled my three bureau credit report using a credit monitoring service and I discovered an account being collected by ProCollect, Inc., a debt collector located in XXXX, TX. They were collecting on behalf of an apartment complex. They showed I had a balance of {$3400.00}. ( SEE PAGE 19 OF ITEM # 1 ) On XXXX I sent ProCollect a standard dispute letter and asked them to provide evidence of the debt 's validity. I later received a statement dated XXXX that showed a balance of {$1900.00} and included an incomplete breakdown of some accounting that indicated a balance of {$2200.00}. The {$2200.00} included a final line item charge of {$1900.00} with no clear information about what the {$1900.00} charge was for. There was also included a partial lease agreement that was missing sections or pages. ( SEE ITEM # 2 IS EVERYTHING THEY SENT ) On XXXX I mailed them a second dispute letter outlining all the issues I found with their attempted validation. ( SEE ITEM # 3 ATTACHED ) Also, on XXXX I pulled the reports again and saw all of the balances were still reporting {$3400.00} and ProCollect had not marked the item as disputed with any of the bureaus even though they had completed their investigation and sent me their validation documents. ( SEE ITEM # 4 SEE PAGE 14 )  Them not reporting after completing their investigation to update the account is a violation of the FCRA. Finally, as of this week, the account is still reporting with multiple discrepancies with amounts, dates, etc. ( SEE ITEM # 5 PAGE 18 ) In summary, my arguments are they knowingly reported a balance due that was nearly double the amount they had showing in their system. I feel this was a deliberate attempt to extort extra money from me. When asked to validate the debt they could only produce documentation for about {$1900.00} on one item and about {$2200.00} on another obviously far less than they were demanding. Secondly, they completed their investigation in approximately 2 weeks and mailed me documentation confirming it, but they did not report to the bureaus to update the account after their investigation was completed. That is two clear violations of the FCRA and FDCPA.

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 2018-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy fed did not tell me my x was not paying the mortgage untill it was about 3 months late i i asked what took so long i was told his info was on the loan. Well i have 3 checking accts 2 saving accts and they mailed a letter to tell me it was three months behind so Why couldnt they tell me when the first payment was not made. I have a legal right to know everything about the account and if they didnt have my inf thats on them not my fault in that illegal excuse. Last year when he didnt pay they took it from me they said we signed something in the mortgage letting them do that do i wasnt worried about him not paying cause they would take it out of my acount but they did not i asked why and got no answer. I think they just set you up to fail. No i am forced to live in a house with no roof because they are holding my insurance chech and they took the money fema gave me to pay my credit card bill and i have payment arrangements with a company i am working with to pay off my debt. I called and told them thst was fema money and i can go to jail was using it for something other then ehat it was giving to me for she put me on hold and came back and said it would not be reversed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is in reference to the dispute I have with way point at XXXX  and equifax. This is a copy of the theft report for you to have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I took out an unsecured loan to help finance aircraft rental. The lender was XXXX XXXX. The rental company was XXXX ( XXXX XXXX XXXX ) located in XXXX, FL. I fell on hard times and was unable to repay the loan. XX/XX/XXXX the account was closed. 
XXXX is reporting to the credit agencies that this was an education loan. In no way shape or form was this an education loan. XXXX  is not an accredited college or university. No degree was ever offered or obtained. 
As such, as of XX/XX/XXXX seven years has passed. This is the limit of ability to report and or a line item to remain on a persons 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 non-monetary relief
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is in reference to the dispute I have with way point at experian and XXXX. This is a copy of the theft report for you to have on file.

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 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Here is a copy of the I'd theft report for your records. Please remove the item from my credit report permanently. Please remove the item from my credit report until your investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I am continuing to have issue with this company, and their reporting each month. For the last couple of months I have to call, and complain several times to have my account updated. I made a payment on XX/XX/XXXX and an additional payment was made on XX/XX/18, which made the account paid in full. I have paid off all accounts with this company ; however, it is still showing a balance as of today for {$9100.00}. My account is still reporting incorrectly as of XX/XX/18. On XX/XX/18 I was told by a costumers representative and a manager XXXX that my credit report would be updated on XX/XX/18 reflecting a paid in full amount. I was told it would have to be manually reported. The supervisor also stated she would submit a compliant to the credit-reporting agency. The only way this compliment will be solved is if my account shows paid off in full. This is affecting my life big time. Its showing that I owe so much money and making my debt to income ratio high. I am trying to move into a house, however the processes is delayed due to this account. I was also told I would be given a payoff letter by email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: TX

Complaint narrative:
Made several attempts to resolve this issue but to no avail.

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 2018-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have an upcoming foreclosure trial not set yet. Nationstar ( a/k/a Mr. Cooper ) is the  servicer of my mortgage loan. XXXX XXXX is the owner of my mortgage. My prior servicer was XXXX XXXX. XXXX transferred the servicing of my loan to Nationstar around the summer of 2009. Before the transfer, XXXX approved a loan modification and I completed the 3 trial mortgage payments. I found out about HAMP ( Home Affordable Mortgage Program ) and I applied with XXXX to try and get an even lower rate. While XXXX was working on my second modification and 2 months after I applied, XXXX transferred the servicing of my loan to Nationstar Mortgage Co. I called Nationstar, and I was told they see the HAMP application in process and that I should hear back regarding an answer on the results. About 2 to 3 months later, I called Nationstar again and I was told they knew nothing about a modification and they refused to provide an opportunity to apply as I was legally entitled to. A few months after that they sued me for non-payment of my mortgage. They lost that suit. Today I am about to lose my home on another suit by Nationstar and I've applied twice for a modification and they again refuse. I believe Nationstar broke federal law back then when they refused to follow-up with my HAMP application that was still in process mid-transfer of servicing. They ignored the law and I was denied my rights to a HAMP application and modification. I've enclosed some court documents that support my allegations here from past cases that demonstrate these happenings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I have a XXXX XXXX XXXX Credit Card through XXXX XXXX with a limit of {$200.00}. I haven't been able to make a purchase or payment for over two months because I don't have a checking account. I have received 3 Late Payment charges, for the simple fact that I don't have a bank account. When I receive statements, the only payment allowed through the mail is a check. When I attempt to call in a payment by phone, I'm only allowed to use a check. When I was late with my payment the first time, a male XXXX XXXX representative called me. I told him I didn't have a checking account. He said that since my payment was late, I could make that monthly payment plus a Late Payment Fee with an alternative method. I made that payment with my Mastercard Debit Card. I was never informed that I could make my payment every month with my Mastercard before my payment was due. I opened a checking account just to make my monthly payments to XXXX XXXX XXXX. Upon several attempts to transfer cash from my Mastercard Debit Card to that checking account, I was unable to successfully transfer funds. Then, I decided to close that checking account. I haven't attempted to open another checking account yet. I also loaded my XXXX XXXX XXXX, ( In which I have my own personal routing number ) to make a XXXX XXXX XXXX Credit Card payment that month. That payment was declined by XXXX XXXX. I missed my XXXX payment, not knowing the XXXX payment to XXXX XXXX XXXX XXXX was declined. I missed a payment XXXX, since I didn't open a bank account and I really don't want to open a bank account at this time. I received a call a couple weeks ago from XXXX XXXX male employee. He wanted a {$52.00} payment and said I could use my Mastercard. I told him about my checking account problem, the rejected XXXX payment, and how I can only use my Mastercard when my payment 's late. He told me I could use my Mastercard for my monthly XXXX XXXX XXXX Credit Card payment before the due date and that I only needed to talk to a live person to make a payment with that. I didn't know anything about that until 3 Late Payments accrued to that account. The lack of information has harmed my credit. The man I spoke to seemed to be amused and didn't offer me any credits to my account, so I didn't make any payments. Last week, I called to make a monthly payment and I described the previous incidents. I was told by a XXXX XXXX female employee that she would waive one Late Payment Charge, but first I had to pay the Late Payment Charges and my monthly payments. I didn't approve of that and didn't pay the Late Payment Charges or my monthly payments. I think the bank is deceptive for not informing me of having the option of paying by phone to a live agent until 3 Late Payment Charges later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XX/XX/XXXX I certified mailed a dispute letter to Capital One Bank to dispute accounts that were showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my accounts as disputed on my reports and/ respond with court approved documentation within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and XXXX hold them accountable for the noncompliance of these said violations and laws that have been broken. I want them removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: CO

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne Bank is refusing to honor the terms and conditions as set forth in their advertisement for a {$500.00} account opening bonus. Here are the offer terms, as obtained from CapitalOne 's website : Open a XXXX XXXX XXXX and you could earn a {$500.00} bonus. 

Open your account and deposit at least {$50000.00} by XX/XX/XXXX, using promo code XXXX to earn an exclusive {$500.00} bonus. Plus, you'll earn 2.00 % Annual Percentage XXXX ( XXXX ) on balances of {$10000.00} or more. See details below. 

Heres the full scoop on how to earn your {$500.00} bonus : Open a XXXX XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX   ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. 

When will I actually get my bonus? Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. 

The relevant portion of the timeline is detailed below :XX/XX/XXXX : New account opened with XXXX coupon code attached XX/XX/XXXX : Balance reaches $ XXXX through deposits. Note that this is before the XX/XX/XXXX deadline to deposit $ XXXX XX/XX/XXXX : Withdraw $ XXXX from account XX/XX/XXXX : This is 60 days from when the balance has hit $ XXXX, bonus is due XX/XX/XXXX : Called bank customer service line. Representatives confirm that the offer code is attached to the account. Representatives say that there are additional terms and conditions that now suddenly apply that were not on the advertisement and refused to honor original terms of the offer. Different representatives add different terms that don't match the new terms from the other representative. Namely, representative 1 claims that a $ XXXX balance needs to be held for full 60 days. Representative 2 claims that $ XXXX must be deposited within 10 calendar days of opening the account. These two representatives do not even provide the same reason, and more importantly, neither terms are in the original offer text. Of note is that there is no text in the offer that states that the $ XXXX balance must be held for any amount of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-07 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: NV

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor :  XXXX XXXX XXXX ) XXXX , XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: NV

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX   XXXX XXXX ) XXXX , XXXX XXXX, XXXX XXXX XXXX

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