vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I have a credit card with CHASE CARD. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CHASE CARD and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and CHASE CARD with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late 3 times. There was an error on their part. I was never 30 days late 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This complaint is in regards to a debt that has been on all three of my credit reports since XXXX. 

I have sent countless letters to LVNV Funding, LLC c/o Resurgent Capital Services asking them to provide me with a copy of a SIGNED copy of a contract exclusively between me, XXXX XXXX, and LVNV Funding c/o Resurgent Capital Services stating a payment contract for repayment. 

This debt was originally held by XXXX XXXX XXXX. The debt was then sold to several different collection agencies over the past few years before being transferred over to LVNV Funding LLC c/o/ Resurgent Capital Services. I have sent correspondence ( via certified mail ) asking this company to provide me with a written and signed contract. To this day, I still have not received these documents. Every time I request this documentation, they send me a statement. 

I have sent letters to this company on the following dates : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Since acquiring my mortgage about 8 months following bankruptcy, the collection agency refuses to provide me with any form of monthly statements showing payments made, and the amounts posted to principal and interest. In addition, they keep over-charging for the equity loan. Then too, they've apparently refused to provide me with the Federal Form XXXX for interest they've received from me for the first mortgage, but have for the second or equity loan, for both XX/XX/XXXX and XX/XX/XXXX tax years. Have requested, then demanded copies of monthly statements for both accounts yet receive the equity loan statements only.!

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 2019-04-23 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: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
I have a credit card with NORDSTROM/TD BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NORDSTROM/TD BANK USA and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and NORDSTROM/TD BANK USA with no successful resolution. XXXX   only reporting me 30 days late. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: HI

Complaint narrative:
I have a credit card with XXXX/XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX/XXXX XXXX  XXXX with no successful resolution. Experian only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2019-04-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
My name is on a refinance Mortgage that I did not give consent to be on.Mu ex wife XXXX did not turn in her quick claim deed and I have been remarried for 23 years now.My wife ( as of today ) which is XXXX XXXX, we are unable to get a house in my name because of this problem.I need this removed from my credit as soon as possible unless someone is going to be in a lot of trouble with a law suit on their hands.It is very important that this matter is cleared immediately.Thanks in advance. 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 2019-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL

Complaint narrative:
Tidewater Finance Company, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ( XXXX ) XXXX-XXXX This creditor has reported on my XXXX credit report as an open account since XXXX. This information is incorrect. The amount owed has since been charged off and included in an open judgement with their attorney. 

XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: MN

Complaint narrative:
TRANSUNION COMPLAINT XXXX MY QUESTION IS TO YOU IS THAT YOU SAID THE COMPANY VERIFIED IT WHAT YOU DIDN'T ANSWER IS HOW IS THIS POSSIBLE?? WHEN THE STATUS UPDATE STILL SHOWING A PRIVIOUS MONTH HOW IS THIS POSSIBLE DOS N'T LOOK LIKE THIS ACCOUNT WAS VERIFIED PLEASE DELETE THIS ACCOUNT THE STATUS UPDATE SHOULD HAVE SHOWN XX/XX/2019 2019

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 2019-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
XX/XX/2019 Creditor : XXXX  XXXX XXXX Better Known as : Convergent Outsourcing, Inc client Acc # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX convergent Acc # XXXX XXXX , WA XXXX original creditor : XXXX XXXX reduced balance {$1800.00} Total Balance {$5300.00}

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 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
When I logged into my bank account this morning, I noticed that XXXX had been debited out of my account. It said, XX/XX/XXXX Adjustment - XXXX XXXX - {$180.00}. When I called Navy Federal I was told it was for an account that was overdrawn, however, neither of my checking accounts were. I came to realize that they were referring to an old account, 4 or 5 years old to be exact, that had been discharged in my bankruptcy that was discharged XX/XX/XXXX. The lady connected me to the bankruptcy department and I explained to the gentleman over the phone that this is against the law and that I had contacted my bankruptcy attorneys office and was awaiting a return call. This is not the first time I have had to fight with these people over unethical practices where my bankruptcy is concerned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
To Whom It May Concern : Ref to Account # XXXX it seems for whatever reason my mortgage has risen from {$1300.00} to {$1500.00} with an escrow shortfall of {$4800.00} Notified Closing attorney office to ascertain reasons? Wells Fargo Home Mortgage Closing Attorneys XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, S.C. XXXX phone # XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, S.C. 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 2019-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Financial Group, Inc.
State: MD

Complaint narrative:
Back in XXXX Pinnacle Financial Group purchased my auto loan from XXXX XXXX. Ever since then I have had multiple issues with this company. Back in XXXX of XXXX they fraudulently charged my card 2 in the same month. Most recently they are claiming I owe late fees from XXXX and current. I previously had several conversations with different account representatives regarding late fees. They refunded me the late fees in the past because my original contract doesn't have any late fees and they have NEVER given me a response regarding their late fee process. I would like them to remove all previous and current late fees so that I can settle this account once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently checked my credit report and realized that there are a couple of inaccurate information on my credit report. I was saddened to learn that you somehow verified the disputed item 's, electing to leave them on my report. 


XXXX  XXXX XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXXXXXX- Account # XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.

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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I checked my credit reports and noticed the inquiry on there but have not done any business with this company. They will not remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX a letter was sent to Fay Servicing from XXXX, XXXX XXXX XXXX on my behalf requesting an explanation or removal of a corporate advance charge of {$5200.00}. I had previously sent this request to XXXX XXXX, Account Manager at Fay Servicing explaining that this charge had no merit as I was not in default or foreclosure. It is now XX/XX/XXXX, and I have not received an explanation or correction on this matter. I know that within 30 days of talking to your service provider, there should be some kind of resolution ( or response ) to the problem and if there isnt, they have violated federal law. Additionally, I have stop receiving monthly mortgage statements for several months. Fay Servicing tried to have me accept a payment plan that was made by XXXX XXXX. I told them I did not want to accept it because I was paying my mortgage and the numbers XXXX listed were wrong and they were no longer my service provider. Additionally, I told XXXX XXXX that I would not sign off on XXXX XXXX Plan, and he told me that I did not have to sign off. This appears to be Fay Servicing trying to forcibly make me agree to a payment plan that I did not accept. I believe this to be illegal. All my payments made by check clearly outlined each month being paid. Instead, it is my assertion that Fay Servicing charged these amounts erroneously to corporate advance instead of the monthly statements to deliberately make it appear that I was in default of my loan. This is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
Checked my credit reports and noticed the inquiry. I have not done business with the company. They will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
My mortgage ( SPS account XXXX ) was transferred from XXXX XXXX to SPS Servicing. For years, my mortgage has been withdrawn on the XXXX of the month. SPS sent me about a dozen notices- too many in my opinion because it just confuses information that should be given succinctly in one- saying that my ACH would continue. I called to verify that my ACH would continue and was told it would. SPS withdrew my payment on the XXXX instead of the XXXX. This caused undue financial hardship for me, since I was not expecting a large payment to come out of my bank account on the XXXX. 
When I called SPS to rectify the situation, XXXX XXXX said I could change it but that SPS took it out on the same day as the prior servicer. That is not true, and although I had my bank data, she did not care. How many mortgages are pushed forward like this by SPS trying to get better cash flow? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I checked my credit reports and noticed the inquiry on there but have not done any business with this company. They will not remove it.

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 2019-04-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit report and realized that there are a couple of inaccurate information on my credit report. I was saddened to learn that you somehow verified the disputed item 's, electing to leave them on my report. 


XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX- Account # XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently checked my credit report and realized that there are a couple of inaccurate information on my credit report. I was saddened to learn that you somehow verified the disputed item 's, electing to leave them on my report. 


XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX/XXXX  Account # XXXX XXXX/XXXX - Account # XXXX XXXX XXXX- Account # XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.

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 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
i am lodging a formal complaint against penn credit corporation. this debt collector has reported derogatory information on my credit reports for a debt to XXXX for {$2000.00} i have never had an account with XXXX ever in my life. ive sent this company debt validation letters in the past they ignore them, but has continued to report on my credit reports every month which is a violation of the fcra, a company must cease collection after debt validation request. i am in the process of purchasing my very first home for my family and this debt on my reports is holding us back. i am requesting penn credit delete this account that doesnt belong to me off of my credit reports immediately. i will be filing XXXX complaints, and attorney general complaints if this account isnt deleted immediately. thank you for your time!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently checked my credit report and realized that are a couple of inaccurate information regarding late payments on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 


XXXX XXXX XXXX/XXXX Account # - XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.

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 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
A XXXX debt owed to XXXX XXXX XXXX XXXX that was paid in full to a Collection Agency, but is still being reported by the Collection Agency ( below ), and still appears on all three credit bureaus as, " An Account with a Negative Pay Status ''. The current balance is and has been {$0.00} for over ( 2 ) two years. I have asked the reporting Collection Agency to remove the above reference negative notation, and I have provided them with documentation they've requested, but they have refused to correct or remove the negative reference. Thank you. 

Diversified Consultants XXXX. XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation