vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
Disputed with the company XX/XX/18. It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond and I've yet to receive a response months later. 
The company was Source Receivables.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: MO

Complaint narrative:
Sent dispute to company XX/XX/18 and again XX/XX/18. 
Never received any response after the 30 day period governed by the FCRA.

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 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Collection Services, Inc.
State: MO

Complaint narrative:
Sent dispute to company on XX/XX/18 and again on XX/XX/18. Did not receive any notification/response back within 30 days as said by FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I am very disappointed of Cfpb and their represanative its a shame and I am disgusted of Cfpb operation you been invented to make sure banks motgsge servicer doesnt cheat and XXXX off consumers instead you are helping these XXXX XXXX cheat mortgage servicer to XXXX  off people and frsudly take peoples home. 
Read the documents I included take action I am not alow SLS monster to take my home SLS is a cheat XXXX XXXX off stop these monsters now I sent their conducts to the FBI and I will Also contact my state attorney and federal court SLS should be shut down they are not and mortgage servicer they are fraud cheat XXXX  who have to be punished for what they done continue doing to people What I sending u is just a small portion I have about 100 pages of how these monsters do business and put people out in the stree read them

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 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
made dispute with eqifax in XX/XX/2018. results form XX/XX/2018 recievd from company still were reposting incorrect information. XXXX account dated XX/XX/2018, the status of account was updated with the same incorrect information, also a statement was added to the account on my behalf that I never requested to be added. the closed date for account is incorrect, this being incorrect affects the time since negative section on my payment history. the payment status was updated to " placed for collection and skip '' on XX/XX/2018, although the collection agency sent notice of me owing no balance. this  information reset the timer on the account. the statement added " charged off account variable rate '' was placed as a statement, which I never requested. this has negatively affected my score and me trying to show credit worthiness to potential lenders. the payment history is incorrect as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
disputed account incorrect information XX/XX/XXXX and XX/XX/XXXX. credit agency still is reporting incorrect information on credit profile related to sync account from XX/XX/XXXX. closed date is incorrect/ not available, this important because it affects the times since negative portion of my credit profile. the payment history is incorrect, potential lenders are unable to determine worthiness with out this and Transunion is responsible that all information Is complete and accurate.

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 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On or around XX/XX/2018 i have submitted disputes to transunion via certified mail 2 days later they claimed to already verify the debts that is harming me and my credit report with negative information. in the letter i have sent i demanded how they verified the debt belonging to me they have NOT sent me any information under my fcra rights about what there method of MOV was and who reported the information a few days later i have received a letter on dated the exact day of the disputes they received stating they WILL NOT look further into the investigation/disputes that is a validation of my rights to know where and how they have gotten my information from false reports on my credit which is harming me credit files and scores with negative information i will pursue this matter into the court of law if need be below i will attach the form that they have sent me stating the will no long further disputes ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) AND ( XXXX XXXX XXXX ) this is a violation under the FCRA 616 disregarding i as the consumers request i demand this matter be taken care of effectively within 15 days! I HAD information come off of BOTH XXXX  and XXXX THAT WAS PROVED INACCURATE IF TRANS UNION WOULD DISPUTE THIS INFORMATION LIKE THEY ARE SUPPOSED TOO IT WOULD ALSO BE REMOVED FROM THEIR SYSTEM I BELIEVE THEY ARE NOT READING MY LETTERS THAT I HAVE SENT WHICH I HAVE COPIES OF AS REQUESTED AND I HAVE THE RETURN RECEIPT AS WHICH THIS HAVE RECEIVED THIS LETTER. ( XXXX XXXX XXXX ) WAS REMOVED FROM ALL FOR BEING INACCURATE EXCEPT THEM BECAUSE THEY DID NOT DISPUTE!

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 2018-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
Since XXXX XXXX American Capital Enterprises say 's that i owe them {$1900.00}. 
I dont recall any of these accusations. Since XXXX XXXX XXXX XXXX say 's that i owe them {$580.00}. i dont recall any of these accusations either, this has to be identity theft .Because of these situations i cant open a bank account at all.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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:
Recently, review credit file and notice a collection account reporting by XXXX  XXXX. I never open this account and not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo was always paid on time no late payments that info is incorrect on my credit report and caused me a loan denial

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 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The information that is being displayed on Equifax credit bureaus report for my information is wrong and invalid. The other two bureaus have removed false information about my credit file. I have sent countless letters to Equifax and they will not remove the inaccurate items. I have been a victim of Identity theft. My information has also been taken from there own data breach which they have clarified themselves. If you could please assist in helping me remove the inaccurate item from my profile that would be great. 
XXXX XXXX- {$2400.00} XXXX XXXX {$2400.00} XXXX XXXX XXXX- {$750.00} and all hard inquiries before 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis XXXX . information exchange reports that I had in auto accident. The company reporting the information is XXXX XXXX XXXX XXXX. The following is the identifying information on the report. 

XXXX file number : XXXX Claim number : XXXX Policy Type & Company : XXXX XXXX XXXX XXXX Policy number : XXXX Driver : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX Driver License : XXXX Vehicle XXXX XXXX XXXX number XXXX I did not have an auto collision, my vehicle was vandalized on XX/XX/XXXX. An unknown person stuck a wrench through the radiator of the vehicle. My vehicle was parked and unoccupied at the time of this incident. At no time was another vehicle involved. There was not a collision of any kind. There was never any police report filed of an auto collision occurring. I informed XXXX of this when I filed the claim. I just became aware in XXXX that XXXX was reporting the incident as an at fault accident. I am disputing this report and would like XXXX to remove it. This information is affecting me negatively. 

My contact information : XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
No knowledge of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: SC

Complaint narrative:
When the debt first appeared on my credit report it was for XXXX XXXX XXXX orginal collection date was XX/XX/2016 balance was XXXX. I substituted a dispute letter for this debt in XXXX of 2016 with all 3 credit bureaus and it was removed. I had noticed it back on my report with a different collection agency XXXX XXXX with a new balance and a new original collection date. I then called the credit bureaus and informed them that this is not my debt and also of the change of collection date as well I was told it was going to be removed due to that matter and it's still there. I gave them the file number of the first dispute letter so they could see that the dates were changed the guy verified it was and assured it would be handled when speaking with XXXX and the same assurance when speaking with transunion. I explained how this affects one credit and they spoke as if the understood but apparently lied. I have sent out another set of letters concerning a inquiry from XXXX XXXX XXXX, and XXXX  and they have yet removed them from my report. I have asked to remove willow trace with the copy of the letter that was sent once I paid the debt that is was to be removed from my credit as well. I have not yet received correspondence from any parties yet that it will be remove. I'm completely over writing these letters and calling at this point and I'm starting to feel there is some truth about what I hear in the news about the bureaus because of this matter.

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 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: VA

Complaint narrative:
I paid off XXXX XXXX XXXX  XXXX XXXX Ca. in XX/XX/XXXX. Of the remaining payoff funds- XXXX. XXXX was paid to escrow, which had a balance of XXXX and tax and insurance paid in full, a corporate advance from escrow of XXXX and an escrow refund of XXXX to me. Yes in XXXX after a major injury we went into pre forclosure but dumped IRAs to pay all the fees and costs and back payments in one lump XXXX sum so the home never foreclosed. We have been in good standing since XXXX. I felt helpless and railroaded in XXXX and I feel helpless and cheated now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: CITIBANK, N.A.
State: RI

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by CBNA/Best Buy of a fraudulent application submitted with his information without his consent XX/XX/2018 that resulted in a fraudulent related inquiry into his XXXX  credit report. A formal dispute of the inquiry was mailed XX/XX/2018 and Best Buy has confirmed the dispute was received however Best Buy has now exceeded the 45 business days allowed for investigation as outlined under the FCRA. This action is a violation of federal consumer law and my clients rights.

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 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My transunion credit score was XXXX on XX/XX/18. Three days later it dropped to XXXX and it did not pay anything late, in fact I had just paid 30 % payments on all my credit cards, My score should have gone u NOT down. 

My XXXX  score was XXXX. XX/XX/18 and dropped to XXXX on XXXX XXXX My. XXXX had dropped XXXX to XXXX on XX/XX/18

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 2018-08-13 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: LoanCare, LLC
State: FL

Complaint narrative:
LoanCare/XXXX XXXX  company placed my mortgage under bankruptcy that was discharged on XXXX. I have paid on time since opening the loan in XX/XX/XXXX. I have talked with them several time and they refuse to report my on time payments since XXXX. I did not include my mortgage in the bankruptcy but they say it doesn't matter. They said they will never report my payments to the credit bureau 's. I can't refinance for two years so i'm losing valuable info on my credit reports monthly. Also I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran.

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 2018-08-13 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/18 I made a payment of {$240.00} for my XXXX XXXX government credit card, I did not receive any confirmation or code so I waited to see if it hit my bank account. The next day I saw it hadnt posted so I thought i may have made a mistake and made a second identical payment for {$240.00} on XX/XX/18. Afterwards both payments hit my accounts, I contacted Citi customer service to see if they could stop one payment they said they could not and told me all I had to do was email them proof and that they would refund me within the next day. I did as I was instructed and received an automated mail that said they were investigating the case and that I would hear from them no later than 2 business days. I let 3 business days pass before I contacted them again via email to see the status update. I heard nothing from them until I called a few days later to be told again that my case was being investigated I let them know that it was a simple overpayment and I had no other balance on the card other than the {$240.00} that I had paid, twice. The woman I spoke to then said if it were approved they would send me a check to my location overseas, which worries me since mail is known to get lost enroute..I asked if they could please just deposit to the same account they drafted from. She said she would note my account but it was improbable. It has now been 10 days since the initial contact and Im still in the dark about whats going on.

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 2018-08-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
Cashnet usa keeps debiting my account for {$100.00} which puts me in a rears with my bank the first time was XXXX and the second was XXXX, I submitted update back statement as request for the update for payment arrange but they refused to accept it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've requested several times for Capital One Bank. N.A, to provide me with a copy of my complete payment history for loan number : XXXX pursant to RESPA : Request for Information - 12 CFR 1024.36 Capital One was the servicer for loan number XXXX. They are refusing to provide me with this information!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX  credit score was XXXX on XX/XX/18. Three days later it dropped to XXXX and it did not pay anything late, in fact I had just paid 30 % payments on all my credit cards, My score should have gone u NOT down. 

My Equifax score was XXXX. XX/XX/18 and dropped to XXXX on XXXX XXXX My. XXXX  had dropped XXXX to XXXX on XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: FL

Complaint narrative:
My XXXX credit score was XXXX on XX/XX/18. XXXX days later it dropped to XXXX and it did not pay anything late, in fact I had just paid 30 % payments on all my credit cards, My score should have gone u NOT down. 

My XXXX  score was XXXX. XX/XX/18 and dropped to XXXX on XXXX XXXX My. Experian had dropped XXXX to XXXX on XX/XX/18

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 2018-08-13 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: Rocket Mortgage, LLC
State: LA

Complaint narrative:
On XX/XX/18 I inquired about information relating to the home buying process. I provided my name, email, and telephone number to Quicken Loans. At XXXX on XX/XX/18 I received a call from XXXX XXXX associated with Quicken Loans on a recorded line. 

I was asked if I wanted to give permission to do a hard inquiry on my credit report and I replied that I did not give permission for that, and I am not interested in continuing the process as I was just looking for information. 

On XX/XX/18 a hard inquiry was added to my credit report by XXXX. On XX/XX/18 I contacted XXXX XXXX with Quicken Loans via email at XXXX stating I would be filing a complaint due to a hard inquiry done without permission and my specific instructions not to do so. I received no response. I am awaiting a response from Quicken Loans.

Company response to consumer: Closed with explanation