vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 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: MT

Complaint narrative:
I recently reviewed my credit report and I observed that XXXX  are reporting late payments to the credit bureau, This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested XXXX to provide me proof that the alleged late payments are accurately being reported to the credit bureau and as of todays date XXXX has not complied with my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: NY

Complaint narrative:
I was taken a look at my credit karma report and I see a collection debt account for {$330.00} from RBC for XXXX XXXX XXXX I have no knowledge of this company account with RBC or any radiology taken in XX/XX/2017 This is only collection account on my credit report and i would like it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: MT

Complaint narrative:
I recently reviewed my credit report and I observed that XXXX are reporting late payments to the credit bureau, This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested XXXX to provide me proof that the alleged late payments are accurately being reported to the credit bureau and as of todays date XXXX has not complied with my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: MT

Complaint narrative:
I recently reviewed my credit report and I observed that XX/XX/XXXX are reporting late payments to the credit bureau, This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested XX/XX/XXXX to provide me proof that the alleged late payments are accurately being reported to the credit bureau and as of todays date XXXX has not complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recently opened a card with Capital One, the Savor One. It arrived this past weekend, XX/XX/19, at which point I activated it and began to use it. All was fine. Today, XX/XX/19, I went to use the card and it was declined. I called the company to figure out what was going on. I had last used the card on XX/XX/XXXX and it was fine. I had not been notified of an issue either. The customer service agent told me there was a restriction on my card and I would need to provide photographic evidence of 3 forms of ID : driver 's license, social security card, and a utility bill, the latter of which they would need to call and verify my account. They needed this to verify my identity and lift the restriction on my account. I immediately took issue with this because none of this was requested upfront when I signed up for the card. I wouldn't have moved forward if I knew that kind of lengthy check would be required. The biggest issue is the social security card which I don't have, and do not want to go through the rigamarole of getting a new card issued. I asked to go through another verification means ( security questions, social security number, mobile/email verification, authorize my purchases, etc. ) or provide 2 of 3 IDs requested and they refused. They refused, citing there was no way to move forward. They also would not tell me why the restriction was placed, which is absolutely absurd. The manager, who I asked to be transferred to by this point, said there was no one else who could help, and no way to access someone in the department that deals with the restrictions. She also noted because the card was restricted, I wouldn't be able to pay the existing balance online or do a balance transfer to another card so I could get out of my relationship with Capital One. I was essentially stuck until I provided the IDs to get the restriction off. I'm filing this complaint as this is absolutely ridiculous, and I hope someone will look further into this issue so this does not happen to other customers. I understand verification needs, but I expect to be notified of an account restriction and I want to know why and what kind of account restriction I'm dealing with. Further, if I note the ways I can't comply with said verification they should find an alternative or tell customers upfront what will be expected. Lastly, there is no reason I should not be allowed to make payments online or transfer the standing balance to another account if I just want to end the relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: MT

Complaint narrative:
I recently reviewed my credit report and I observed that XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. This is a list of alleged late payments : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

NOTE : I have requested this same information to be provided to me by XXXX and as of todays date XXXX hasn't complied with my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I bought items ( Total {$2000.00} [ {$1600.00} loan, {$400.00} deposit ] ) approximately a year ago ( XX/XX/2018 ) at a furniture store and applied for a credit card and was approved. During the process of delivery, the product was delayed and took approximately 2 months and was only a partial delivery ( {$1600.00} items delivered, {$400.00} item not delivered ). After almost 3 months of waiting, I bought furniture else which was needed and said I would not accept delivery since it was beyond the 2 months of waiting which was promised and I needed the furniture at this point was exhausted from the constant delays. The furniture store said they would not issue the credit/refund for the unshipped/undelivered item. I filed a dispute with the credit card it was too late to deliver at this point and I made other furniture arrangements. The dispute was closed very quickly, stating the furniture store issued me the credit for the item which was not delivered ( which is not true ). The bank is charging me for items that were never delivered despite it almost having been a year and accruing late fee 's as a result of it. The bank is unwilling to correct the amount owed for the items actually delivered, and is constantly calling me everyday and negatively impacting my otherwise stellar credit. The way the bank resolves the dispute in favor of the seller in the favor of the seller without any due diligence or investigation or validating any of the sellers false claims is completely unfair and prolonging payment process. I have no issues paying the correct amount balance and fees for the furniture that were actually delivered, but the bank agents that call regarding this matter are either unwilling or unable to help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
ON XX/XX/XXXX at approximately XXXX XXXX  a voice mail message was left on my cell phone voice mail. The caller stated her name was XXXX XXXX and that there was a " complaint notice to your attention ''. The caller did not identify where they were calling from and only left a number of XXXX. The message also stated that on a third " failed '' attempt, they were " required to direct further attempts to your HR or payroll department on file ''. 

I called the number listed above. When I inquired where I was calling, the male who first answered hung up on me. I called again a second time and I was placed on hold for approximately 5 minutes. I hung up and called again. Another female answered the phone and told me that they were just providing me information to schedule me for a " debtor 's examination ''. 

I asked the female to send me a copy of any singed contract that proved that I had any obligation for the debt that they were calling about. She told me that they did not send any type of documentation or contracts. She then said that they would provide the documentation in the " discover package once you go into judgement ''. 

I asked her for an address for me to send correspondence to them. She told me that all they could provide was an email address for me to send any correspondence to. The female also told me that they were not a collection agency but a litigation firm by the name of XXXX. I asked what XXXX stood for and she said " just XXXX ''. 

The female told me that alleged debt was open by me back in XXXX. She stated that the balance was {$6200.00} and it was through GE Capital.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The XXXX County court ordered me to pay XXXX XXXX in the rears and made an adjust to the monthly payment. The state of North Dakota is reporting me 120 days late from the time the Judge made the order. Judge made a provision for the back child child support of 10 % to be an addition to the XXXX ordered monthly. I believe the first payment of XX/XX/17 was the first actual payment that could be made. The State of North Dakota Department of Family Services is has damaged my ability to get financial capital to be able to pay off this debt as it has adversely affected my credit profile. I reached out to XXXX XXXX the case manager on 2 accessions over the phone as well as other people in the Department and said basically they didn't care how it was reported and would not correct the errors. I also would like to have the accounting of the payments to be reviewed to make sure the balance is correct. 
case XXXX XXXX XXXX County North Dakota Pages 11-16

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The XXXX County court ordered me to pay XXXX XXXX in the rears and made an adjust to the monthly payment. The state of North Dakota is reporting me 120 days late from the time the Judge made the order. Judge made a provision for the back XXXX XXXX XXXX of 10 % to be an addition to the XXXX ordered monthly. I believe the first payment of XX/XX/17 was the first actual payment that could be made. The State of North Dakota Department of Family Services is has damaged my ability to get financial capital to be able to pay off this debt as it has adversely affected my credit profile. I reached out to XXXX XXXX the case manager on 2 accessions over the phone as well as other people in the Department and said basically they didn't care how it was reported and would not correct the errors. I also would like to have the accounting of the payments to be reviewed to make sure the balance is correct. 
case XXXX XXXX XXXX County North Dakota Pages 11-16

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
In reference to XXXX with Consumer Finance Protection Bureau.  Ditech had not only lost our two payments, but has finally found them at the conclusion of the above complaint number. They had said they would apply the funds and fix any late charges due to their losing our payments. After going on their website at the conclusion to the above number, I found that they had not applied any of the funds and still showed us as being late for a payment that they had lost last year that took three plus months to resolve. After sending them a comment on this on their website, they applied the funds. They then sent us a letter stating that we owed {$7.00} dollars and some change for a late charge from this past fiasco in XXXX and XXXX. I am not paying any late charge because they lost our payments, and they had said that they would take care of the late charges. This is harassment! Now, they have reported us to the credit bureau for " Being Late. '' This is ridiculous! I am tired of their tactics, I waste hours of my day trying to call them and staying on hold to end up with a person that can't do anything other than say they will look into it and meantime I continue to get letters from them threatening to take our house and so on. I believe this borders on being personal. I have never had this problem with any mortgage company that I have dealt with before. It is their own ineptitude, that is causing these issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: MT

Complaint narrative:
I recently reviewed my credit report and I observed that XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. This is a list of alleged late payments : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

NOTE : I have requested this same information to be provided to me by XXXX  and as of todays date XXXX hasn't complied with my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: MT

Complaint narrative:
I recently reviewed my credit report and I observed that XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. This is a list of alleged late payments : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

NOTE : I have requested this same information to be provided to me by XXXX and as of todays date XXXX hasn't complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: CO

Complaint narrative:
Filed a dispute with a experian credit bureau that is reporting incorrectly on my report. And they responded that the account i disputed is accurate. I tried looking under fair credit reporting act on how under federal law makes it valid or accurate. What is the fcra requirement that credit bureaus must provide as proof to validate the accuracy of information on my report? Are this my original contract from creditor with my signature on it and information directly from my original creditor?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I had a Mortgage with XXXX  XXXX XXXX that was sold by XXXX XXXX XXXX to have M & T BANK several years back. Once M & T Bank took over the Mortgage loan ; Hurricane Irene arrived, and wreaked a lot of damage to my home, located in XXXX Florida. After fighting for over two years with XXXX XXXX XXXX XXXX XXXX to get damages covered ( with the help of a professional adjuster and an attorney ), I finally got a settlement to replace my damaged roof ( not enough money to cover the Hurricane Irene damages, but close enough to begin roof  replacement with the help from a personal loan ). The XXXX XXXX XXXX XXXX XXXX settlement check was made-out to my wife, myself, XXXX XXXX ( HELOC mortgage lean holder ), and M & T Bank the main Mortgage holder. XXXX XXXX did not hold the check, but issued the required signature for the release of the XXXX XXXX XXXX XXXX XXXX funds. The signed check was sent to M & T Bank Mortgage in XX/XX/2019. 

In early XX/XX/XXXX, I was advised by several M & T Bank Mortgage personnel to submit a list of over twelve documents to M & T Bank. I ended-up filing over twenty-pages via Fax, and via M & T Bank web page " XXXX XXXX XXXX '', and through Certified mail ( Claim Tracking # XXXX ). I have had to file the twenty-pages via Fax, and via M & T Bank web page " XXXX XXXX XXXX '', over-and-over again to insure that they have received required documents. 
M & T Bank still will not release the funds to replace my roof, even though my roof keeps leaking, and further damages keep surmounting. 
Many dozen phone calls have been placed and documented to try to get M & T Bank to comply with the releasing of the funds to begin roof replacement work, but to no avail. Almost every instance I call M & T Bank, I am advised that the case is still being looked at. It is the only answer that I normally get. 
Besides filing a lawsuit against M & T Bank, I do not know what other options I may have. Please Help.

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 monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I accidentally sent in two mortgage payments and when I realized what I had done, I asked the company to reimburse me a payment. They initially agreed and told me that it would take 5 business days. Those days have passed and I reached out to them and was told that the request was rejected. I asked to speak with a supervisor that never came to the phone, and I was on hold for 30 minutes. This has caused other bills to go unpaid. I am under a lot of stress and my husband is a XXXX veteran that has to have constant care. We are on a fixed income. The company never reached out to me to inform me or explain why my request for a refund of one payment was rejected. The company is PHH Mortgage Services, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Company number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Avant Credit Corporation
State: GA

Complaint narrative:
Avant refuses to understand requests to remove my banking account details from their systems. I have no open accounts with them.

Company response to consumer: Closed with explanation