vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I'm submitting this complaint because I've been disputing information for my capital one account ending in XXXXXXXXXXXXXXXX and the information is not being updated correctly. I submitted a complaint with the CFPB for this issue CFP complaint # :XXXX. My credit reports were initially showing late payments on my credit report for XX/XX/XXXX and late on XXXX and XXXX of XXXX. I filed a dispute with supporting documentation. Showing I was never late and to remove those late payment from my credit report. Instead of removing them, they just shifted them over and now state I was late XX/XX/XXXX and then added additonal negative late payments to my account in an attempt to punish me for disputing and providing information that I was never late. They are also reporting I was late in XXXX, XXXX, and XXXX of XXXX. I was never late in XXXX of XXXX. I was never late the months of XXXX, XXXX or XXXX of XXXX and I was never late XX/XX/XXXX. I was never late on this account. 

I went from 3 incorrect late payments to 4 incorrect late payments. This is totally inaccurate. Please remove all of these lates payments. 

I feel this is unfair and against the law to add late payments in an attempt to punish me for disputing information on my credit report. I think they are trying to keep me a subprime borrower. I think they are trying to give me the run around for some reason. I don't get it. If these lates aren't removed I will look into legal action. 

I attached more proof of payments. Please remove these late payments. 
Proof : I downloaded the monthly statements from the capital one website. 
XX/XX/XXXX statement. Shows I had a balance of {$7.00} I also attached my payment for XXXX showing I paid that {$7.00} Balance XX/XX/XXXX Shows I had a balance of XXXX and a minimum payment of {$25.00}. But I paid more than the minimum payment and paid the full balance at that time of XXXX on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Spoke with the company regarding the high interest rates that are charged. The Student loan taken out in 2007 contains, what I would call usurious, variable interest rate. Monthly over payments have been made month over month but the loan balance continues to increase. communication with the servicer has yielded the following response : " we are setting the rate at the investor 's behest. It's outlined in your note. '' It's honestly ridiculous to have an interest rate on a student loan be at 8 % especially when the fed has continued to cut interest rates ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
malice prosecutor, not at good faith. I had an old credit debts was open in XX/XX/2008 and paid off closed on XXXX XXXX now I debt collector XXXX XXXX XXXX XXXX, l sue which I asked them with signature open that account they can not show cause they no prove. I went court I told the judge without prove of my signature open an account for $ XXXX.it is not mind. they said all fees including. I show prove from credit burau where I had an account with bank of America and account where paid and closed. they said, they are the one who paid it. case was disposed. two years later they are tried to garnished my money. I went to court garnishment dissolved. now they tried again recently garnishment dissolve. I told them show me where did I open that account with my signature. and for last, they have tree different 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
Consumer complaint received 2019-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I am appauled the the lack of customer service given me. I have been seeking assistance to correct my account and have my fees waived for more than several months to no avail. A check was cashed with no name as the payee which brought my account negative. I've been trying to work with the bank to find out how this has occurred but to no avail. Yet, I have been taxed and hit with overdraft and bank statement fees. I would not have an overdraft fee the check with NO Name/payee wasn't paid and furthermore I was informed that I would not be charge the fee for bank statements. No one seems to want to help me. 
Moreover, I was informed the bank would close my account and then send my balance owed to a collection company. This is shocking and fraudulent. 

Please have someone call me to assist ins working out 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 2019-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: IA

Complaint narrative:
Pro Collect on 3 occasions, within the 30day dispute timeframe, has refused to provide verification of a debt they claim is owed. When the debt was disputed I was advised it was a refusal to pay and that it would be reported to all 3credit bureaus and would indefinitely and significantly impact my credit if not paid in full immediately. When I spoke to a supervisor I was also advised account would be marked as a refusal to pay and it would be updated to all 3credit bureausAnd they do not need to provide verification of this debt and even if it is disputed they will continue to call and collect.

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 2019-11-16 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 non-monetary relief
Consumer complaint received 2019-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: MO

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX there were over {$4000.00} in fraudulent charges made on my discover Credit Card. Most of which were online through money broking companies ( XXXX, XXXX, XXXX  .... ) Other charges were made by using the card # 's to purchase State Lottery tickets  that yielded the culprit a percentage of the cost of the lottery  tickets. Which was ALL profit, due to the fraudulent use of my card. 

I have had the card for 24 years, and never a problem or late payment. Even when faced with better offers I chose to stay with Discover due to their % 100 money back guarantee concerning non approved charges, Theft, and FRAUDULENT charges.. 

They initially reversed all the charges and sent me a new card ; living up to their claim of having my back % 100. This was last Winter/Spring. They decided to retroactively reinstate ALL the disputed charges .... ( Pause ) .... THE REAL kicker is, I not only was given NO REASONING, I was not given a heads up to the charges either. This has caused so much collateral damage, I have no choice but to take legal action if this can not be settled to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 2019-11-16 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: GA

Complaint narrative:
I have the equifax credit service product, which inform me on XXXX that an new address was reported to my credit file. No other credit agency, but Equifax. I called several times ( please see dispute list ) trying to get them to look into the matter for resolution with no luck. They said they did an investigation and sent an update credit report that still shows the address of dispute out of Florida and I keep sending dispute trying to get them to remove this information with no luck. As of today this address is still on my credit report. All of my credit reports are lock, no one can gain access but government and Equifax itself. I received another alert from Equifax on XXXX saying a new address has been added to my credit report. This is a problem with Equifax or someone internal is doing this. Please review for accuracy and delete this address of my credit report out of Florida that has never belong to me or never stayed out of Florida in my life. This is complete fraud and Equifax say that have deleted this address but it appears they have not. They have violated statues of the federal law when correcting consumer information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: CT

Complaint narrative:
Ive contacted the loan servicer numerous times and its been 6 months since Ive been able to pay my student loan they have destroyed my credit they wont return my calls or my emails. They have threatened to send me to collections. I am a single dad trying to pay to keep a roof over my head and bills on a single income. I tried to defer they said I made to much which isnt true as they dont know what bills I have with my daughters health and paying the rest of the bills I have. I want them to remove the late fees remove the blemishes they left on my credit and most of all negotiate to bring my payment lower

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Statebridge Company
State: CA

Complaint narrative:
On XX/XX/2019, I refinanced my home loan. The previous company handling the loan was : Statebridge Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Statebridge Company , LLC, ( the former loan servicer ), has {$12000.00} and {$820.00} in escrow funds that they claim has been dispersed on XX/XX/2019, but I have not received the funds. 

My concern lies in that repeated e-mails go unanswered, and telephone representatives can only repeat that their records show that on XX/XX/2019, the funds were dispersed. They are unable to tell me to whom and in what manner. 

An additional concern is that a check with the XXXX XXXX XXXX, they have a " D '' rating and a current alert, for their history of complaints, and unresponsiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Hi, I have a Mortgage with Bank of America, during the market crash we tried to refinance using the making homes affordably program. bank of America lost our payments and application information many times ( at least 7 ) and said it was not submitted either in time or not at all. depending on who i contacted at the time this information was incorrect and they did show the payments and all the submissions we sent and were read back to me and confirmed to be there by Bank of America employees. 

This lead to foreclosure starting and many legal fees for me to try and fight it, I final received a preditary modification with rely bad terms, it also included all the cost that Bank of America caused, these were added on the end of the loan as a {$300000.00} balloon payment, I had no choice but to sign it or loose my house. 

I asking help getting these cost removed and get the better rate as we originally applied for as these costs were not my fault and Bank of America will not accept responsibility for them, i do have all the payment information and the applications and transactions with Bank of America but there is a lot and it fills at least one bookcase due to all the re-submissions and re-applications, I did make temporary payments on two applications that they said one was not the correct amount even though the agent confirmed the amount with my Wife and I, the other they said did not qualify due to the house value that was later revised and confirmed they had made a mistake. they said once it was closed nothing further could be done with it. 

The only way I got them to do the current modification was to use a very rich investor friend to threaten that he would remove all of his investments if the did not do something, I got a call from the vice president of Bank of America stating they would only provide the preditory modification due to his request. 

Please help i do not know what else I can do as the Bank has done nothing but lie about processing my making home affordably application

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 2019-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: U.S. BANCORP
State: NJ

Complaint narrative:
On XX/XX/2019, I sold a leased Vehicle to XXXX XXXX XXXX and in return purchased a vehicle from XXXX. They were supposed to send a buy-out check to the lease company, U.S. Bank. XXXX took roughly 5 months to send a buy out check, resulting in default in payment to US Bank on my behalf. I have contacted The XXXX  for this matter to help fix the issue. After my credit has been ruined, and check finally received, according to credit report agencies I have a late payment to US Bank in XX/XX/2019, however, vehicle was sold in XX/XX/2019. I have contacted XXXX XXXX, but one one ever reached out to me. Ive contacted US bank, the issue was never resolved. Ive done multiple credit disputes between the bureaus, but nothing has been fixed and they will not allow me to dispute it anymore. It has been very hard for me with my credit being ruined.

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 2019-11-16 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: NY

Complaint narrative:
The accounts listed are not my accounts.

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 2019-11-16 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX letter from XXXX 's XXXX XXXX admits I had an account and it was closed. XXXX 's has my record of my account and I hiding material facts regarding my account. All my installment payments were paid on time. 
XXXX 's chose not to report to any of the credit bureaus of my good account. Violation of FCRA. 
On XX/XX/XXXX letter from XXXX states XXXX 's credit program was acquired by Wells Fargo N.A. on XX/XX/XXXX including my account. 
My complaint now rests with Wells Fargo N.A.

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 2019-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
Attached please find a debt that Radius Global Solutions, LLC claims that I owe. Radius Global Solutions, LLC does not possess a license to collect in the State of Tennessee, my home state. Place enforce that they remove this from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I have tryed to pay this debt when i found out about it. They called my wife and she told them to send her a bill and she would be happy to pay. And they replied that they had sent one several months back and it wasnt there responsible to send another one. So o went on line and tryed to pay it and it said ii need the case number of the statement that I recieved in the mail that i dont have. So im where we are now. Any help with this matter would be appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX letter from XXXX 's XXXX XXXX admits I had an account and it was closed. XXXX 's has my record of my account and I hiding material facts regarding my account. All my installment payments were paid on time. 
XXXX 's chose not to report to any of the credit bureaus of my good account. Violation of FCRA. 
On XX/XX/XXXX letter from XXXX states XXXX 's credit program was acquired by XXXX XXXX XXXX. on XX/XX/XXXX including my account. 
My complaint now rests with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX letter from XXXX 's XXXX XXXX admits I had an account and it was closed. XXXX 's has my record of my account and I hiding material facts regarding my account. All my installment payments were paid on time. 
XXXX 's chose not to report to any of the credit bureaus of my good account. Violation of FCRA. 
On XX/XX/XXXX letter from XXXX states XXXX 's credit program was acquired by XXXX XXXX XXXX. on XX/XX/XXXX including my account. 
My complaint now rests with 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 explanation
Consumer complaint received 2019-11-16 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: AZ

Complaint narrative:
XXXX XXXX acquired XXXX 's XXXX XXXX in 2014, read attached. 
XXXX XXXX has NOT reported my good account with XXXX 's XXXX XXXX card. 
Transunion has not recorded my good account on my 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 explanation