vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3.  This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27 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: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3.  This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.

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 2020-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX said I opened a account with them in XXXX. I did not they claimed I owed XXXX dollars, then in XXXX reported on my credit i didn't pay them. After contacting them several times they had no answers for me. Finally in XXXX they agreed to remove remarks and debt owed that was not mine. Now they sold a debt that isn't mine to another company who now states I owe them XXXX for the original debt of XXXX due. Fraudulent account reported on my credit a number of times with different amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: CL Holdings LLC
State: VA

Complaint narrative:
I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3.  This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: Io, Inc.
State: VA

Complaint narrative:
I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX  refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3. This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I paid XXXX XXXX. and it is still showing and reporting to my credit every month after they agreed that once paid this item would be deleted ... this has been a on going issue.

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 2020-06-27 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : GM FINANCIAL XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A letter was mailed to Capital One in XX/XX/XXXX asking that they verify that they took the proper procedures in regards to contacting my about the sale or disposition of my car prior to reporting it to the credit bureau. No information was obtain and received from Capital One. Another letter was sent as a follow up, on XX/XX/XXXX asking them again to provide proper documentation. Along with another letter on XX/XX/XXXX. As of today XX/XX/XXXX, I have not received a reply from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
This is what the XXXX  said : They said the data was correct. I have the bank statement where it was paid directly to the doctor 's office. XXXX XXXX on XX/XX/2019, and posted to my account on XX/XX/2019, for the amount of {$570.00}. This is causing major problems with my ability to get a student loan for my daughter and time is of the essence. 
INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Balance ; Past Due. Here is how this account appears on your credit report following our investigation. 

CREDIT CONTROL CORP XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX This account was paid {$570.00} was paid in full full on XX/XX/2019, at the doctor 's office. I can provide you with a statement of {$570.00} from XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I have received an alert that a collection was added to my credit file and when I checked my credit it was an XXXX XXXX bill from 2016. I called enhanced recovery and told them that I never had a XXXX XXXX   bill and that I never received any notification from them before they placed this on my credit. The guy said he would mark it as fraud however I received another alert where they had added it to another credit bureau. I spoke with XXXX XXXX/XXXX  and the lady was having a hard time finding the account because it was under my name but under a address I have never lived at. This is not my account please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
CAPITAL ONE XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
what a mess dealing with santander last XXXX they agreed to payment then mysteriously lost the information along with my call then 45 mins later they reopessed the vehicle then after that i got bounced around for weeks trying to find out where the vehicle was finally after weeks i paid it off now on my credit instead of reporting paid in full they report 120 days late everytime i talk to them they tell me that file a complaint if you dont like it not to mention they have never repsonded to the damage claim i filed from when they illegally took the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
Good Morning, Here is the story of where I am now with Carrington Mortgage and why I am submitting a complaint. 

I was granted a 3 month forbearance period which started on XXXX XXXX with Carrington mortgage due to the Corona Virus. I was notified of this decision by mail with a letter dated XX/XX/20. This letter stated that " you will not be required to make a monthly payment for 3 consecutive months ''. It all also stated " By accepting this forbearance plan, you are affirming that you have been personally impacted by the Covid 19 '' and " Acceptance of this plan is defined by not making payments during the forbearance period ''. 

I received a second letter dated XX/XX/20 telling me I needed to submit some financial documents by no later than XX/XX/20 to Carrington to see what type of repayment plan they can offer me. I faxed over all the required documents on XX/XX/20. They confirmed receipt of the paperwork by sending me a letter dated XX/XX/20. 

I called them today, XX/XX/20, to see if I could set up some payments to get caught up on my account and they are telling me that they will not accept anything but the past due amount paid in full. How do they expect me to have 3 months of payments when I am really just getting back to a full time work day due to the Covid-19? 

After being transferred 4 times I finally got a Carrington Mortgage supervisor on the phone and he wants me to resubmit all my paperwork on XX/XX/20 so they can re-evaluate the application. He said that since I submitted an application for mortgage assistance that it cancels the forbearance plan putting my mortgage 3 months behind even though Carrington requested the documents. 

I also spoke to a housing counselor who told me that this is happening all across America. Please don't let these banks ruin America. It time for the little guy to win one. 

P.S. I do have copies of all the correspondence between Carrington and myself if needed. 

Hoping for help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am trying to open a XXXX account but it says that PNC has made a change that prevents you for being able to link your accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Professional Debt Mediation Inc contacted me a second time after i sent them an official letter to case all contact and that I am not responsible for this debt as i was XXXX at the time this debt had taken place. I also informed them I am on SSI and they can not collect any debt from me anyway. They also sent me a list of other peoples personal medical information which is also a violation of others personal rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: National Credit Adjusters, LLC
State: LA

Complaint narrative:
National Credit Adjusters is reporting that I have a new debt with them starting on XXXX.This is incorrect, the debt was purchased from XXXX XXXX and is scheduled to fall off of my credit report next year. They are falsely putting this on my credit report as a debt that started in XXXX. The debt was not their debt they purchased and are trying to restart the debt. This is in violation of the Fair Debt Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings
State: AR

Complaint narrative:
I have Filed Bankruptcy on this loan, And have refused to take it off XXXX XXXX. I have this Right to have this Removed, Please help Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
The week or day of XX/XX/XXXX, I was told by Kia Motors finance customer service representative to friendly render ( reposess-give back ) my XXXX XXXX XXXX although my car payments were up to date. The dealership big red sports and imports mistakenly financed the vehicle in my XXXX mother 's name rather than adding her as my cosigner and wouldn't correct the error and told me that after 6 months of payments that I would be able to call Kia Motors finance and that they would put the account in my name in which that was invalid and didn't happen, I was told that I would have to go to the dealership and refinance in my name and attempted to before ( 6 months of payment history ) and after my mother passed away XX/XX/XXXX and they resorted to offering a new vehicle sale, not to refinance. I sent XXXX with Kia Motors finance my mother 's death certificate and was made aware in XXXX of XXXX by the XXXX XXXX back-office that since there was not a power of attorney, the vehicle couldn't get placed in my name and that since the title was transferred over to me due to the vehicle being for my use and the payments were up to date and made by me since the account opened on XX/XX/XXXX that my name and mailing address, contact/profile information would be updated to my information and to continue to make payments as usual in which I did prior to being told to give them back the car by customer service. My car payment wasn't due until XX/XX/XXXX, customer service told me to friendly render the car on XX/XX/XXXX and I left it at a XXXX dealership on XX/XX/XXXX and advised XXXX XXXX XXXX XXXX XXXX  along with his XXXX XXXX customer service verbally, by chat/instant message & their online portal the location of where I left the vehicle for them to reposess ( friendly render ) per their request.

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 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Whenever i try to connect PNC bank checking account via XXXX  to do money transfer. PNC bank is not allowing me to connect request from XXXX.Its blocking. Please fix this.Basically Authorizing by PNC bank is not happening even though credentials are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: FL

Complaint narrative:
To be clear this is a process issue with Equifax. I note it here because I wish others and this bureau to take note. When people move and update their address, Equifax will show addresses that are Not current as such. For instance, I moved ( had a difficult time correcting data - bureau website is not user friendly ) but when Equifax reviews old addresses they will place a date Reported of XX/XX/2020 ; Yes it does say previous address too however, just by reflecting that the Reported date of XX/XX/2020 is there shows that it is current. Specifically, I left the previous location XX/XX/2020 thus this is Incorrect - making it Appear that I have both. This type of reporting caused issues a few years ago too ( of which I kept the documentation )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: LD Holdings Group, LLC
State: TX

Complaint narrative:
I paid my LoanDepot mortgage in full on XX/XX/2020. I had attempted to speak with them multiple times and they did not answer after placing me on hold for over an hour at a time. I have never missed or been late on a payment. Over a week after paying the entire mortgage in full, LoanDepot placed a late payment on my credit report. Due to their untimely reporting, failure to provide customer service, and failure to even speak with a customer working in a hospital during a pandemic trying to survive in keeping their family in their home, I am requesting that LoanDepot remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
Collection agencies transferring a debt I do not owe and ruining my credit. Their original client XXXX XXXX fraudulently extended a contract after the person had moved to other citty and had returned the equipment. The fees were paid automatically thru a credit card and it was stopped when the person ( my aunt ) due to severe illness was moved from XXXX XXXX to XXXX and later passed away. 

I have extensive correspondence with the collection agency and the credit bureaus but since the deb was transfer to one and another my credit is being impaired. 

I will be glad to supply all the correspondence sustained with all concerned. And like I asked the collection agencies, lets take it to a court of equity and let a judge decide. I think this is the way we settle conflicting matters. In this case I ask for your help to protect my cretit

Company response to consumer: Closed with explanation