vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 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: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.

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 2020-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Western Mercantile Agency, Inc
State: OR

Complaint narrative:
Western Mercantile Agency INC of XXXX XXXX Oregon. They call me about unpaid medical bills. I pay the XXXX in full with a bank debit card. Western Mecrcantile refuses to email a receipt or send a receipt via USPS, offered a receiptif I drove 16 moles to their office.. I drive to their office and spoke with the supposed Director named XXXX. She also refused to give me a receipt, stating the debit card had not deposited the funds. My vank states the funds were debited from my account. I was refused proof of payment by Western mecantile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My homeowner mortgage is with Shellpoint Mortgage Servicing. Prior to XX/XX/2020, I have been receiving my monthly statements from Shellpoint by U.S. Mail. I have been paying my monthly mortgage to Shellpoint by U.S. Mail as well.

Suddenly and without notice, Shellpoint stopped mailing my monthly mortgage statements. Each time I called and spoke with a representative ( including supervisors ) about the problem, they never indicated that Shellpoint has done away with mailing monthly mortgage statements. Each time I inquired about the reason why I am not receiving my monthly statements via U.S. Mail, Shellpoint has not been forthcoming in explaining.

My complaint is about the fact Shellpoint stopped mailing monthly statements without prior notification. My guess is, going forward, Shellpoint wants every transaction executed online instead via U.S. Mail. If this is the case, they should notify their customers in advance and not deceive them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Kashia Services
State: FL

Complaint narrative:
I received a Writ of Assignment at my job regarding a payday loan for Solid Oak Finance collector is XXXX  XXXX. They claimed I took a loan out with them and did not pay. I have no knowledge of this loan. I tried to explain that my identity was stolen over 15 years ago and every now and then I still see credit cards and misc. loans appear in my credit report. I have tried fighting them off my credit for years. XXXX XXXX is claiming to have contacted me and I agreed to a 15 % withdrawal of my earning which is not true either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: TX

Complaint narrative:
these accounts do not belong to me and would like them investigated and DELETED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: TX

Complaint narrative:
these accounts do not belong to me and would like them investigated and DELETED from my credit 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 explanation
Consumer complaint received 2020-10-12 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: FL

Complaint narrative:
XXXX XXXX I signed with XXXX  in XXXX at which time XXXX XXXX  agreed to the payment contract terms. Payment is made every month on the XXXX, due to the 30 day rotation for the month of XXXX the payment was received XX/XX/XXXX although the month close XX/XX/XXXX. XXXX proceeded to report an increase to my balance of {$13.00} and a late payment, there fore diminishing my credit score. Prior to signing with XXXX  all my payments had been on time and paid in full now my credit is showing a derogatory credit history for XXXX. I have tried calling several times, sat online with the online help and nobody has offered a resolve, I have worked at being pro-active to find I am being challenged by the reps specifically a gentlemen by the name of XXXX XXXX. I have asked to have the billing date changed to avoid further issue and all I am told is they can't do that I have to go back to debthelps and ask them to adjust the contract ( already agreed by XXXX ) and there are approximately eight credit accounts on the same contract with XXXX, no other creditor has an issue. I have spoke with XXXX  XXXX, XXXX XXXX, XXXX, XXXX, a XXXX and at through the online chat 6 other individuals. I have used the automated phone system and been hung up on by it at least 12 different times saying " do to unforeseen circumstances there is no-one to answer the call '' disconnect.

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 2020-10-12 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:
XXXX XXXX I signed with debthelpers in XXXX at which time XXXX XXXX   agreed to the payment contract terms. Payment is made every month on the XXXX, due to the 30 day rotation for the month of XXXX the payment was received XX/XX/XXXX although the month close XX/XX/XXXX. XXXX proceeded to report an increase to my balance of {$13.00} and a late payment, there fore diminishing my credit score. Prior to signing with debthelpers all my payments had been on time and paid in full now my credit is showing a derogatory credit history for XXXX. I have tried calling several times, sat online with the online help and nobody has offered a resolve, I have worked at being pro-active to find I am being challenged by the reps specifically a gentlemen by the name of XXXX XXXX. I have asked to have the billing date changed to avoid further issue and all I am told is they can't do that I have to go back to XXXX and ask them to adjust the contract ( already agreed by Citi ) and there are approximately eight credit accounts on the same contract with XXXX, no other creditor has an issue. I have spoke with XXXX XXXX, XXXX XXXX, XXXX, XXXX, a XXXX and at through the online chat 6 other individuals. I have used the automated phone system and been hung up on by it at least 12 different times saying " do to unforeseen circumstances there is no-one to answer the call '' disconnect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
OK HAD LEFT AN ACCOUNT GO DORMANT THEN I NEEDED CLOTHES FOR MYSELF AND MY VETERAN PARTNER XXXX XXXX  ANYWAY THEY LET SALES GO THROUGH I SENT BACK THROUGH CERTIFIED MAIL A LARGE BOX OF RETURNS FOR THEM THEY DO NOT CREDIT ME AND I AM NOT PAYING THEM THEY CLOSED OR DIDN'T CLOSE OR I CLOSED I FEEL AWHILE AGO. 

IT IS THE MOST FREQUENT CALLER OR PUPPY SELLERS IDK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: FL

Complaint narrative:
I've attempted several times to resolve this problem I'm having with the credit bureau claiming they are verifying accounts but does not provide any proof with the consumer of how they verified the information. I have yet to receive any letters verifying my signature on a contract. By law I'm permitted to request this information and if the information isn't provided then theirs no proof that the accounts is my account and therefore is inaccurate. I don't have a problem paying the debt I actually benefitted from but I refused to pay for accounts I never authorized to be open and then charged.

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 2020-10-12 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
Account showed back up a year later after paying balance for removal.

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 2020-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Bank have a hard Inquiry on my credit report. 
It states : The Institution Information, No contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: AL

Complaint narrative:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I withdrew the funds from my checking account because I was disappointed in the interest I was getting from the Bank. I then informed them that my account should be closed immediately. They said that because my balance was {$.00} they could not close my account. This balance is not visible to me, they suggested I go in to claim my XXXX cents, but due to my son battling XXXX I'm unable to get into a branch. Why can't they close my account because they claim I have a balance my online account doesn't even show? This is ridiculous and clearly, so they can charge me fees at the time of the monthly billing because my account will be below the required balance.

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 2020-10-12 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: LEXISNEXIS
State: FL

Complaint narrative:
In XXXX of XXXX, I requested and received a copy of my consumer file from LexisNexis. In it were several incorrect facts, some of which were corrected, while one, in particular, was not and that is what this complaint is about. 
My LexisNexis file continues to show an automobile insurance policy lapse from XX/XX/XXXX until XX/XX/XXXX which was NOT the case. 
On XX/XX/XXXX, I sent a certified letter to LexisNexis explaining my request to correct that particular mistake and, in addition, I enclosed a letter ( per their instructions ) from my insurance company, XXXX XXXX, showing that I had no policy lapses during the dates shown in my consumer file. 
I have tried calling on their always busy phone lines and the online system they provide is so convoluted that I have given up trying to reach them and am hoping you may be able to help get this straightened out and corrected. 
Every time I have attempted to correct this matter I get a letter stating that it has been amended and yet when viewing my file the same inaccurate fact remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company has not presented me with any validation of this so called debt that they are trying to collect. I didnt receive any notification of my rights to dispute this debt. This company violated my rights when they slapped this account on my credit file without notifying or stating who they were. I do not owe anything of this such amount or to these/this companies. They have sent multiple fraudulent documents by mail of credit card statements. They have not sent me anything showing that this account belongs to me either. Anyone can charge an account. Either its fraud or doesnt belong tonme. I wouldn't know because they have not presented me with validation as I stated before and a statement will not suffice. I will be filing suit if this account is not removed from my report at once. It's also reporting every month negative information which is harming my credit score in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: SC

Complaint narrative:
Sent disputed letters to trans union asking to verified and valid accounts that dont belong to me and is a product of identity theft I asked for contracts and application with my sign signature to verify my identity I have not received either all I received was a letter saying the account have been verified as accurate and a couple of bills that dont belong to 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 2020-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CMRE are reporting a collection account on my credit. I paid the bill to XXXX XXXX. XXXX XXXX sent a letter to CMRE telling them that my bill is paid in full to them and my balance is XXXX. They asked them to remove the collection from my credit. CMRE stated to me that they are not going to remove the collection from my credit because they felt the original creditor XXXX XXXX should have charged me more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In XXXX of this year I contacted Midland Funding about an account they are attempting to collect on. They responded saying they could not locate an account for me but asked me for additional information as you'll see in the attachment. I then replied stating I was providing them with the exact same information they gave to the credit reporting agencies because that is the information being reported by them. They received that notice by certified mail XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. To this very day despite them not being able to locate the account they are still reporting this account to the credit reporting agencies and verifying it to be accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The account in discussion is Capital One/Saks the issue at hand is a late reporting in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody atCapital One/Saks. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
I received many statements from the company claiming that I owe x amount to them. I asked for debt validation and they have not sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I called the US Department of Education at XXXX. The recording said XXXX XXXX executive order is suspending all payments at until XX/XX/2020, However, I have negative remarks on my credit regarding this. It is very disturbing because I was trying to resolved this through the Income Base Repayment Program because I am unemployed. This program update the credit as payment in good standing. Also, if payments are suspended why I am being punish if they are not accepting payments.

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 2020-10-12 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I called the US Department of Education at XXXX. The recording said XXXX XXXX executive order is suspending all payments at until XX/XX/2020, However, I have negative remarks on my credit regarding this. It is very disturbing because I was trying to resolved this through the Income Base Repayment Program because I am unemployed. This program update the credit as payment in good standing. Also, if payments are suspended why I am being punish if they are not accepting payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I called the US Department of Education at XXXX. The recording said XXXX XXXX executive order is suspending all payments at until XX/XX/2020, However, I have negative remarks on my credit regarding this. It is very disturbing because I was trying to resolved this through the Income Base Repayment Program because I am unemployed. This program update the credit as payment in good standing. Also, if payments are suspended why I am being punish if they are not accepting payments.

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 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
This company Jefferson capital slapped this account on my credit report without first sending a notice of my rights to dispute which is a violation of the fcra they also failed to validate this account just as the company before them that they bought this debt from failed to do so as well. That is a violation of the fdcpa..I called this company to have them remove this information because of these violations and they hung up in my face. This company is practicing illegally and I am ready to file a suit if this account is not removed from my credit file immediately. They will be fined for each violation if they continue to report this false information.

Company response to consumer: Closed with non-monetary relief