vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On several occassions, I have disputed a XXXX XXXX XXXX / XXXX XXXX XXXX   account that was paid in full to the creditor on XX/XX/XXXX. I have sent the documentation that I received from XXXX to XXXX  and Experian that the credit card was paid off and was reflecting a XXXX balance. The dispute continues to come back verified and the account still remains with a balance on my two credit report. I have contacted XXXX  and they advised I contact the two credit bureaus ( XXXX and Experian ) and have them call XXXX with my authorization to verify the status and balance of the XXXX account. I have called XXXX  and they refuse to call XXXX  and have let me know it is not a policy of theirs to do so. I am beyond frustrated and hate going around in circles. I am trying to obtain an updated credit report so that I may apply for a mortgage and this is preventing me from doing so.

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 2018-06-07 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On several occassions, I have disputed a TD Bank USA / XXXX XXXX XXXX   account that was paid in full to the creditor onXX/XX/XXXX. I have sent the documentation that I received from XXXX  to XXXX and XXXX that the credit card was paid off and was reflecting a XXXX balance. The dispute continues to come back verified and the account still remains with a balance on my two credit report. I have contacted XXXX and they advised I contact the two credit bureaus ( XXXX  and XXXX ) and have them call XXXX with my authorization to verify the status and balance of the XXXX account. I have called XXXX  and they refuse to call XXXX  and have let me know it is not a policy of theirs to do so. I am beyond frustrated and hate going around in circles. I am trying to obtain an updated credit report so that I may apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
The information within my file regarding this debt is inaccurate. The lender is listing a inaccurate balance total. The lender did not update the payments accurately. When the vehicle was first purchased the total financed was for the vehicle price and warranty. The warranty was later dropped and the full amount due was paid back to the lender by XXXX. Attached is documentation from the lender themselves showing that a separate warranty was purchased. That warranty was later refunded to E

xeter for the same amount. Exeter never updated the credit reporting or the balance due to reflect the refund of this item.

In doing so Exeter Finance has violated my legal rights under the FCRA and has violated state and Federal law. They also went as far as to sale the debt to a third party with inaccurate information. Also, they have reported incorrect information to all Credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
Credit Management , LP ( on behalf of XXXX XXXX XXXX ) is attempting to collect from me a dept that I do not owe/does not belong to me. Credit Management , LP notified XXXX credit agency with regards to this issue on XX/XX/XXXX.

On XX/XX/XXXX ( Saturday ), I received a letter from Credit Management , LP attempting to collect a debt in the amount of {$160.00} on behalf of XXXX XXXX XXXX ( Reference # XXXX, Client # XXXX, Creditor Account # XXXX, Total Amount Due {$160.00} ). This is the first time I was ever made aware of XXXX XXXX XXXX XXXX  attempt to collect a debt from me. The debt is not mine. I do not owe the debt nor have I been a customer of XXXX XXXX XXXX. On XX/XX/XXXX, I responded to Credit Management , LP via a Certified Letter with a request for validation of the debt. To date, I have not heard back from Credit Management , LP. This morning ( XX/XX/XXXX ), I received a notice that my credit ( XXXX ) had received a report of " Potentially Negative - Major Derogatory '' event reported the day before, XX/XX/XXXX reported the day before by Credit Management , LP to the XXXX Credit Reporting Agency. I have filed a complaint with the California Attorney General office, the XXXX XXXX XXXX and now here at the CFPB, as well for help with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA charged me overdraft fees for transactions that were not honored making the account balance negative and they will not close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: TekCollect Inc.
State: MO

Complaint narrative:
TEK Collections has an invalid collection on my report, I never owed the money they are reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hello, I was reaching out because I had an issue with a debt I had. I got into a situation where I had too much debt and douldnt pay everything. I starting working with a consolidation company, My issue is with one of my creditors XXXX the consolidation company actually negotiated a settlement amount that was to be made in 3 consecutive payments and the account would be settled. The first 2 payments XXXX accepted and they went through, the third payment they rejected. This defaulted the settlement with them, because of this issue I stopped working with the consolidation company. Since then XXXX has sold my debt to a third party collection agency and now refuses to speak with me regarding the matter even when I tell them I am disputing. I am trying to see if there is any help for me out there. This does not seem like it would be ok to do.

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 2018-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP
State: PA

Complaint narrative:
Dear sir 's, I am writing to complain about our finance company. the name is Selene finance out of XXXX  Texas. We had started a process of refinancing with XXXX XXXX XXXX XXXX  in XX/XX/XXXX. Our personal contact was with XXXX XXXX XXXX. Working together we started the process which we understood to only be a thirty day process. W e helped pull our credit history. XXXX XXXX  scores were XXXX, XXXX, XXXX. Mine ( XXXX ) were XXXX, XXXX, XXXX. We contacted Selene and asked for a payoff amount, We had tried almost daily to get through, only to be told " we are experiencing high call volume '', and put on hold. XXXX XXXX tried contacting them also with the same results. When they finally got thru to someone, Selene said we were in an open bankruptcy. It was a lie. Selene has delayed the process so long that we were past our deadline and would have to start all over again, it's been almost 50 days. My husband has XXXX XXXX XXXX, he got while serving our country in XXXX  ( XXXX XXXX ), his hope was to get out of an open interest to a fixed rate before his health got worse. The stress of this whole situation has been so rough on him. He was looking out for me. We have tried to get them to send a payoff statement, the last one was the first week ofXX/XX/XXXX, iam still waiting for it. The false information they gave has cost us more than just time, it has caused us so much stress. Thank you for any help you can give, Sincerely, XXXX  & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
TO THOM IT MAY CONCERN, I AM AT A LOSS FOR WORDS ON WHAT I JUST EXPERIENCED. I RECEIVED 3 CALLS WITHIN A COUPLE HOURS FROM PHONE NO. XXXX. I CALL THE NUMBER BACK. A WOMAN BY THE NAME OF " XXXX XXXX '' ANSWERED AND STATED THAT SHE WORKS FOR " XXXX XXXX XXXX '' AND THAT IF I DIDNT PAY A CERTAIN OLD DEBT ( THAT WAS RESOLVED YEARS AGO FOR IDENTITY THEFT ), SHE WAS GOING TO HAVE THE SHERIFF COME TO MY WORK AND ARREST ME TODAY. I TRIED TO EXPLAIN THAT THIS WAS NOT RIGHT AND I NEEDED TO SPEAK TO A SUPERVISOR. SHE SAID SHE WAS THE SUPERIVOR. WHEN I ASKED AGAIN THE NAME OF THE COMPANY, SHE HUNG UP THE PHONE. I CALLED BACK AND THE SAME WOMAN PICKED UP THE PHONE, BUT CHANGED HER NAME TO " XXXX '' ... AFTER HEARING THE NAME CHANGE, I ASKED HER " DID YOU SAY YOUR NAME WAS XXXX? '' SHE HUNG UP ON ME AGAIN. I CALLED 3 MORE TIMES BUT THIS TIME NO ONE ANSWERED THE PHONE. I THEN USED MY OFFICE PHONE NUMBER TO CALL. THIS TIME A DIFFERENT LADY ANSWERED THE PHONE ... I EXPLAINED TO HER THAT I WAS JUST THREATENED AND HUNG UP ON. I THEN ASKED HER TO PLEASE PROVIDE ME INFO OF HER COMPANY, AND SHE HUNG UP ON ME TOO! BY THIS POINT, MY BLOOD IS BOILING. I WAITED AN HOUR AND CALLED AGAIN. THIS TIME A MALE ANSWERED THE PHONE ( HIS ALLEGED NAME WAS " XXXX XXXX '' ) ... HE TOLD ME THAT I NEEDED TO PAY WITH A XXXX OR XXXX FOR THE {$810.00} DEBT OR ELSE THE COMPANY WAS GOING TO TAKE A JUDGMENT OUT AGAINST ME FOR FRAUD AND BREACH OF CONTRACT ... AND THE SHERIFF WAS GOING TO ARREST ME TODAY. I TRIED TO PLAY DUMB SO THAT I COULD GET MORE INFORMATION. HE TOLD ME THAT HIS COMPANY 'S NAME WAS " XXXX XXXX '' ( DIFFERENT THAN WHAT THE 1ST LADY SAID ). WHEN I ASKED HIM WHERE HE WAS LOCATED, HE GOT ANGRY AND SAID " LOOK DO YOU WANT TO PAY THIS NOW OR DO YOU WANT TO GO TO JAIL '' ... I SAID YES I WANT TO PAY BUT I NEED TO KNOW WHO I AM PAYING ... SO I ASKED AGAIN WHERE THE COMPANY IS LOCATED ... AND THEN HE HUNG UP ON ME!!! PLEASE PUT A STOP TO THIS EGREGIOUS AND OUTRAGEOUS FRAUD! I CAN NOT BELIEVE THIS JUST HAPPENED!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: CA

Complaint narrative:
It has come to my attention that XXXX XXXX XXXX has reported some incorrect payment information on my credit. Upon receipt and review of my credit report, I found late payment on the following date : XXXX XXXX XXXX   Account # XXXX has one 30 days past due as of XX/XX/2016The issues with this alleged late payment is that the payment was never late please see attached payment history and on time payment in the months in question. I have disputed this with the credit bureau and XXXX XXXX keep on verifying the information as accurate instead of following the Fair Credit Reporting Act and doing a complete validation of this inaccurate reporting by auditing their records and documentation.

XXXX XXXX The 30 day late reporting made by XXXX XXXX XXXX is incorrect and constitute very serious violation of the Fair Credit Reporting Act and my rights. It has damaged my credit and is preventing me from getting a home loan and obtaining credit. XXXX XXXX XXXX  has received payment in the month it reported me late.

What the attached proof of payment shows is that XXXX XXXX XXXX account was always paid on time and was never late. I have tried multiple times to have this incorrect reporting corrected by contacting XXXX XXXX XXXX  directly but XXXX XXXX  keep violation the Fair Credit Reporting Act and my right by maintain inaccurate information on my credit file The credit bureaus need to follow the investigative process described in the Fair Credit Reporting Act and do their job properly and require the creditors to provide actual proof of late pays. I am holding XXXX  and TRANSUNION responsible for not following the FCRA. In the absence of real proofs, the credit bureaus MUST delete this erroneous reporting. The credit bureaus have failed me in this respect, breaking the law, damaging my credit by maintaining inaccurate and unverified information on my 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 2018-06-07 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: CA

Complaint narrative:
It has come to my attention that XXXX XXXX XXXX, has reported some incorrect payment information on my credit. Upon receipt and review of my credit report, I found late payment on the following date : XXXX XXXX XXXX   Account # XXXX has one 30 days past due as of XX/XX/XXXX The issues with this alleged late payment is that the payment was never late please see attached payment history and on time payment in the months in question. I have disputed this with the credit bureau and XXXX XXXX keep on verifying the information as accurate instead of following the Fair Credit Reporting Act and doing a complete validation of this inaccurate reporting by auditing their records and documentation.

XXXX XXXX  The 30 day late reporting made by XXXX XXXX XXXX is incorrect and constitute very serious violation of the Fair Credit Reporting Act and my rights. It has damaged my credit and is preventing me from getting a home loan and obtaining credit. XXXX XXXX XXXX has received payment in the month it reported me late.

What the attached proof of payment shows is that XXXX XXXX XXXX account was always paid on time and was never late. I have tried multiple times to have this incorrect reporting corrected by contacting XXXX XXXX XXXX  directly buXXXX XXXX XXXX  keep violation the Fair Credit Reporting Act and my right by maintain inaccurate information on my credit file The credit bureaus need to follow the investigative process described in the Fair Credit Reporting Act and do their job properly and require the creditors to provide actual proof of late pays. I am holding EQUIFAX and XXXX  responsible for not following the FCRA. In the absence of real proofs, the credit bureaus MUST delete this erroneous reporting. The credit bureaus have failed me in this respect, breaking the law, damaging my credit by maintaining inaccurate and unverified information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
After being affected by hurricane IrmaXX/XX/XXXX. Due to damage and repairs I had to make out of pocket. My mortgage company XXXX  helped me apply for a hardship and was working with me prior to the sell of my mortgage to another company. My point of contact at XXXX was XXXX XXXX XXXX. Spoke with her weekly and was assured everything was being done to help me keep my home.XX/XX/XXXX was notified my mortgage hardship was approved and they were waiting for finale numbers before sending me out my new contract to sign.

XX/XX/XXXXnotified my mortgage was being sold to Rushmore Loan Management and my modification would remain in affect.

Reach out to new company assigned to XXXX XXXX XXXX Notified her of my concerns and she acknowledged everything would continue as it was. Called weekly to stay on top of the situation only to receive a letter of denial in the mail and a offer to pursue a short sale.

Today after no return call from speaking with a supervisor on Monday Call and spoke to XXXX. Who informed me that supervisor XXXX XXXX   found the modification from previous Lender and waiting for supervisor to come out of a meeting to finalize modification.

I do not believe them so I wanted to put a complaint in place for some one else to help me keep on top of this.

Thank -You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: The CBE Group, Inc.
State: MO

Complaint narrative:
CBE Group continues to report old and paid collection on my report their client is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
chase card has reappeared on my credit report after having been removed, 2 items, both with XXXX balance but shows XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The information within my file regarding this debt is inaccurate. The lender is listing a inaccurate balance total. The lender did not update the payments accurately. When the vehicle was first purchased the total financed was for the vehicle price and warranty. The warranty was later dropped and the full amount due was paid back to the lender by XXXX. Attached is documentation from the lender themselves showing that a separate warranty was purchased. That warranty was later refunded to XXXX for the same amount. XXXX never updated the credit reporting or the balance due to reflect the refund of this item.

In doing so XXXX XXXX has violated my legal rights under the FCRA and has violated state and Federal law. They also went as far as to sale the debt to a third party with inaccurate information. Also, they have reported incorrect information to all Credit reporting agencies.

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 2018-06-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The information within my file regarding this debt is inaccurate. The lender is listing a inaccurate balance total. The lender did not update the payments accurately. When the vehicle was first purchased the total financed was for the vehicle price and warranty. The warranty was later dropped and the full amount due was paid back to the lender by XXXX. Attached is documentation from the lender themselves showing that a separate warranty was purchased. That warranty was later refunded to XXXX for the same amount. XXXX never updated the credit reporting or the balance due to reflect the refund of this item.

In doing so XXXX XXXX has violated my legal rights under the FCRA and has violated state and Federal law. They also went as far as to sale the debt to a third party with inaccurate information. Also, they have reported incorrect information to all Credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: Conn's, Inc.
State: OK

Complaint narrative:
I was alerted that I had credit inquiries from someone trying to get credit under my name I notified the companies and the credit bureau that I had fraud and identity theft happening now they are refusing to take the credit inquiries off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: PA

Complaint narrative:
I have a closed credit card account with XXXX XXXX XXXX XXXX. The card did go into default, but several months ago the parties came to an agreement regarding repayment. The account has been paid on time in accordance with said agreement -- payments in the amount of XXXX  per month for an agreed upon period of time. The bank continues to report this account in default and in collections when it otherwise should not be, and which is contrary to the terms of our agreement. Moreover, by not updating the amounts received and a reduction for the purported balance owed, the information being reported is inaccurate.

Also, I have requested now on numerous occasions to be sent a copy of the agreement that was reached prior to the first {$150.00} that was paid. It has now been three payments later ( 3 months later ) and I have yet to receive a copy of our agreement. I have now made several calls attempting to address this issue with the bank and they refuse to provide the agreement. This information I am told is well documented in the notes on the account as a reference for your investigation.

In addition, I have notified transunion, along with the other major credit bureaus of this issue and they have not been able to resolve this problem.

I am requesting that the company remove this account from collections and notify the three major credit bureaus of this change to the status of the account.

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