vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This  Collection  agenc y Company Capital One has f ailed to provide proper verification of the account. This company has not and could not provide in formation like documents bearing my signature that I owe ( {$410.00} ) t o them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to  Capital One about providing proof of documentation bearing my signature that the account belongs to me. I feel they are trying to be smart by having the same account number under on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$410.00} ) then all files under my name and my social security number on my   credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had  XXXX ,  XXXX , and   XXXX   to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted i mmediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of   the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
On   XX/XX/XXXX ,  I became a tenant at  XXXX  at  XXXX   XXXX . I signed a  one  year lease.   Moved out after 10 months on   XX/XX/XXXX   because of I had another place that was available and afraid to lose this opportunity. I paid the  XXXX  month before I vacated.   There was {$870.00} still due..for 12 month rent.   I waited to see if the landlord could rent my apartment to someone else.   Sure enough they were able to rent to a new tenant on   XX/XX/XXXX .    Under Florida  State  law a landlord is not permitted to collect double rent on an apartment, therefore by law I was not to pay the landlord for the  XXXX  month.   The landlord without any notice with complete malice gave the debt to attorney Warfield for collections. The landlord gave me no credit for the  XXXX  month that I paid as well as requested collection for the  XXXX  month.   I did not know this was in collections occurred until receiving a phone call in   XX/XX/XXXX .    This is an error on  XXXX  counts. Please have this removed from my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21 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: GA

Complaint narrative:
Since the Credit Reporting Agencies have not been swayed by the evidence I have provided demonstrating that the  XXXX   XXXX   XXXX   XXXX   XXXX  has failed to comply with Federal Law in its handling of the debt assigned to it by  XXXX   XXXX   XXXX  that the debt is therefore invalid and to remove it from my credit file accordingly, I am now following up with additional documentation proving that the  Collection Agency & Creditor  have also failed to comply with Florida Statutes, thereby further invalidating the debt. According to Florida  Statute 83.49 ( 3 ) ( a )   ( www.leg.state.fl.us ) : " Up on the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim ... .If the landlord fails to give the required notice within the  30-day p eriod, he or she forfeits the right to impose a claim upon the security deposit and  may  not seek a setoff against the deposit but may file an action for damages after return of the deposit. '' As indicated in the attached official Confirmation of my address change from the United States Postal Service, my mail was forwarded from the address specified in the fraudulent itemized bill from  XXXX   XXXX   XXXX  as of   X/XX/2016    . Moreover, I was signed up for automated notification of any mail sent to me that might include tracking information, as is the case with Certified Mail, until after I moved to my new apartment in  XXXX   of 2016. Hen ce, if the creditor had indeed fulfilled its obligations under Florida  Statutes  to send notification to my last known address of its intent to impose a claim on my deposit via Certified Mail, I would have either received the notice at the residence specified in m y USPS change of address Confirmation ( my grandmothers ) or I would have have been notified about it by the USPS via text and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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: GA

Complaint narrative:
Since the Credit Reporting Agencies have not been swayed by the evidence I have provided demonstrating that the  XXXX   XXXX   XXXX   XXXX   XXXX  has failed to comply with Federal Law in its handling of the debt assigned to it by  XXXX   XXXX   XXXX  that the debt is therefore invalid and to remove it from my credit file accordingly, I am now following up with additional documentation proving that t he Collection Agency & Creditor hav e also failed to comply with Florida Statutes, thereby further invalidating the debt. According to Florida  Statute 83.49 ( 3 ) ( a )   ( www.leg.state.fl.us ) :  " Upon the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim ... .If the landlord fails to give the required notice within the  30-day p eriod, he or she forfeits the right to impose a claim upon the security deposit and  may  not seek a setoff against the deposit but  may  file an action for damages after return of the deposit. '' As indicated in the attached official Confirmation of my address change from the United States Postal Service, my mail was forwarded from the address specified in the fraudulent itemized bill from  XXXX   XXXX   XXXX  as of  X/XX/2016   . Moreover, I was signed up for automated notification of any mail sent to me that might include tracking information, as is the case with Certified Mail, until after I moved to my new apartment in  XXXX  of  2016. He nce, if the creditor had indeed fulfilled its obligations under Florida Statutes to send notification to my last known address of its intent to impose a claim on my deposit via Certified Mail, I would have either received the notice at the residence specified in my  USPS  change of address Confirmation ( my grandmothers ) or I would have have been notified about it by the USPS via text and email.

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 2017-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I am giving Professional Debt Mediation an opportunity to remedy its complicity in assisting  XXXX   XXXX   XXXX  to violate both Federal Law and Florida Statues in an effort to sabotage my credit file on behalf of the local authorities in retaliation for my efforts to address the Federally institutionalized denial of Due Process for groups protected under Federal Fair Housing Laws. As specified in Florida  Statute 83.49 ( 3 ) ( a ) (   www.leg.state.fl.us ) :  " Upon the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim ... .If the landlord fails to give the required notice within th e 30-day period, he or she forfeits the right to impose a claim upon the security deposit and may not seek a setoff against the deposit but may file an actio n for damages after return of the deposit. '' As indicated in the attached official Confirmation of my address change from the United Postal Service, my mail was forwarded from the address specified in the fraudulent itemized bill from  XXXX   XXXX   XXXX  as of  X/XX/2016   . Moreover, I was signed up for automated notification of any mail sent to me that might include tracking information, as is the case with Certified Mail, until after I moved to my new apartment in  XXXX  o f 2016. H ence, if the creditor had indeed fulfilled its obligations under Fl orida Statutes to sen d notification to my last known address of its intent to impose a claim on my deposit via Certified Mail, I would have either received the notice at the residence specified in my change of address Confirmation ( my grandmothers ) or I would have have been notified about it by the  USPS via  text and email.

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 2017-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I financed the purchase of   XXXX    XXXX  through CARECREDIT / SYNCHRONY BANK for {$2100.00}. Apparently, when I enrolled in autopay, I selected the option to have the Statement Balance deducted instead of the Minimum Payment Due. I discovered the issue when my checking account was overdrawn. I reported the issue to CARECREDIT / SYNCHRONY BANK in an  18 minute 3-second phone call  on  XXXX   XXXX ,  2017. Thre  e  weeks after reporting the issue I have not received a refund. I called two more times and filed a written complaint to   XXXX   XXXX   XXXX  .     I was originally told it would ta ke 8-15 da ys to process a refund. Most recently I was told the check had been mailed and that I could report it as missing and they would process the refund again after they verified the check had not been cashed. In other words, the process would begin again. It is inconceivable to me that a financial services company would send a check for more than {$2000.00} without any tracking.     In short, CARECREDIT / SYNCHRONY BANK has been inordinately slow, irresponsible and negligent in processing a refund. In the meantime, I am paying interest for {$2100.00} overdraft protection through my bank. I would greatly appreciate it if you could persuade CARECREDIT / SYNCHRONY BANK to expedite the refund process and send the check with overnight delivery and tracking.

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 2017-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I purchased my home  XX/XX/XXXX , and my original loan was with  XXXX   XXXX . {$43000.00 } ( 2 0 % of loan ) was a 15 year loan with principle and interest of {$480.00}.  XXXX  sold the {$43000.00} to  XXXX  shortly after my purchase, the 80 % was sold to  XXXX   XXXX . I made payments for 6 years to  XXXX , none of which were being applied appropriately nor would they let me refinance to incorporate i nto one loan.  The loan was provided under false pretenses indicating that the loan was temporary, and after consistent payments, a refinance would be available. The mortgage company said this arrangement was all that was available due to the economy and mortgage industry. I asked repeatedly for a refinance and the indicated this type of loan could not be refinanced. I could not even call  XXXX  through the regular mortgage number, it was a special department at  XXXX . The loan was sold to  Greentree, then I guess Ditech f or the original amount of the loan in  XX/XX/XXXX ! I stopped paying in  XX/XX/XXXX  due to their inability to provide an accurate balances, correct terms, reporting accurate informayion and the ease of working with the company. I always ended up talking to someone in  XXXX . Ditech charged the loan off with original balance due from   XX/XX/XXXX ! They are still reporting as delinquent in  XX/XX/XXXX  even though charged off in  XX/XX/XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Experian,   XXXX   and   XXXX   I sent a certified letter asking ton only report my current information but my report is still showing inaccuracies! Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX ,  XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   XXXX       (   These are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should b e DELETED., This is my second request and first request was sent certified so I kno w it 's been received it just was n't done.

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 2017-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To  XXXX , Equifax and  XXXX  I sent a certified letter asking ton only report my current information but my report is still showing inaccuracies! Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , CA, XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   .    (  These are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should be DELETED., This is my second request and first request was sent certified so I know it 's been received it just was n't done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
T o Chexsystem My report is  showing inaccuracies. Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , CA, XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   .    ( Thes e are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MN

Complaint narrative:
We have sent i n 3 sep arate payments totaling {$5300.00} to bring our mortgage current. I have spent hours on the phone with  Specialized Loan Servicing and have had  XXXX  tickets open to research and look for our payments, all of which have been taken from my checking account. One p ayment was sent as a personal check via  XXXX  on  XX/XX/XXXX , processed and taken from my checking account on  XXXX   XXXX ,    2017 f or {$1200.00}. Another payment was sent as requested via  XXXX   XXXX  for {$2300.00} on  XXXX   XXXX ,  2017. Ano ther payment for {$1800.00} was sent via  XXXX   XXXX  for {$1800.00} ON  XXXX   XXXX  , 2017.      We will go into foreclosure this coming week if the company does not prioritize this and find our payments and properly apply them to our loan. These total equate to more than 5 months of payments. I ca n't keep taking the time to call over and over again, each time having to explain the situation, and each time being told the same things over and over again. PLEASE HELP!!!     I am attaching what I can to provide confirmation of these payments. The company has these items, with the exception of the receipt for the {$1800.00} payment. However, I verbally gave them the reference number for the  XXXX   XXXX  as requested. I need to locate that receipt and I will then email that directly to the company. A bank statement has not been issued for that date, yet, but once issued I will send that as well. Hopefully this is all taken care of by then!     Attachments :   Bank statement confirmin
g  XX/XX/XXXX  check payment. Bank statement confirming both the  XX/XX/XXXX  and  XX/XX/XXXX 
  XXXX   XXXX   payments.     Receipt from  XX/XX/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 2017-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
Informed my lender ( Nationstar Mortgage ) in XXXX XXXX that I had discovered that my original home loan they had bought from XXXX XXXX XXXX XXXX XXXX contained falsified information on my income and assets. I was unaware when I originally obtained the loan that the lender XXXX XXXX XXXX XXXX had falsified information. Consequently, I now owe more than the home is worth and the ARM in the original note has nearly doubled my mortgage payments. I am trying to obtain a loan modification from Nationstar but was informed that the modification had been denied. I have yet to receive any formal letter from Nationstar but the Nationstar Rep mentioned that I would pay more if the loan was modified. I am only asking for an option to keep my home that I have lived in for XXXX years. The loan from XXXX XXXX has damaged my credit, the terms of the loan that I thought I was agreeing to were not what I had been led to believe, and I have no equity in my home. I do not want to lose my home and I am trying to come up with a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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: TX

Complaint narrative:
I 've been disputing a specific collection account with  XXXX   XXXX   XXXX  for over a year with Equifax. I sent them documentation proving the debt was fictitious and I was mistreated and left to suffer with a collection account on my credit report for now over a year. The collection company got involved and told Equifax to remove it back in  XXXX     2016, the y are still reporting it. I 've attached that documentation. This violates countless laws and rights and is no longer going to be tolerated.     I disputed an account with  XXXX   XXXX  back i n  XX/XX/XXXX / XXXX  2016. As  a result of that dispute, the account was deleted from my file. It is now reporting again without written notice being given to me. Equifax is a repeat offender when it comes to this and will claim that the creditor re-inserted it. When I reach out to the original creditor, they state that they have not re-reported it to Equifax. IT is obvious that Equifax is the issue since the original creditor 's automated systems can not pick and choose which credit bureau to re-report accounts that are closed to. Equifax is the ONLY credit bureau it will report to again. If it was the original creditor, it would report to ALL   XXXX    credit bureaus.     My credit report is not accessible by myself using their credit monitoring products or many others, nor is it accessible to creditors and employers.     I submitted a set of disputes several weeks ago, and have yet to receive anything from Equifax stating that they are investigating those items.     When I call the department they 've placed my file with for assistance, I am mistreated and discriminated against. I recently called to get access to my credit file for my employer and while they claimed the issue was resolved, it is not.

Company response to consumer: Closed with explanation