vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I 've contacted each of the credit bureau and requested that they remove an account with   XXXX   XXXX   XXXX   that is reported as as a collection account, but its status is open and the high balance is one amount and the amount owed is much higher as well it continues to increase in balance monthly ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This past  XX/XX/XXXX  I ordered a credit score from Experian for a cost of {$4.00}. Almost a month later (  XX/XX/XXXX ) they charged another {$19.00} without my approval.I tried calling Experian but they refused to give me an answer of why they kept charging my credit card.

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 2017-07-15 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: Monterey Financial Services LLC
State: GA

Complaint narrative:
Monterey Collection Service is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance as {$10000.00} and a balance owing of {$16000.00} and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Mailed.on  XX/XX/XXXX  of current year to kohls handwritten letter regarding denial of a credit card and opening of a new one since my card was deactivated or closed and cashier suggested me to open a new account so I could get extra discount. I was confident in doing so because I have really good credit "  XXXX  '' To my surprise was denied and embarrassed felt insulted. Well I was to wait for a denial letter and all I can understand was they closed my account. I will attach letters that explain what all I have tried to do not because the credit card itself but I think it was an unfair treatment. I tried getting information through kohls customer service exactly why I was denied but nobody not even the supervisor could give me a response or explanation why the denial was to wait for credit report They have written twice to me that the credit report bureau could give me an answer. I order my credit report but I did n't see any negative remarks. I saw I had a   XXXX   score and  XXXX  on other   XXXX   reports. It 's not the credit card itself it 's the fact I should know the reason since I have excellent score. Could you please help me decipher this? Thanking you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 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: GA

Complaint narrative:
XXXX   XXXX   XXXX   is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance as {$10000.00} and a balance owing of {$16000.00} and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
XXXX / XXXX /2014   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , Fl  XXXX  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
<P/>
You are required by federal law to provide me with verifiable proof on file of each account listed below. It is against the law to retain in my file, assemble, and sell a credit report containing unverified and invalid information. Your failure to positively verify the validity of the accounts listed below has hurt my ability to obtain credit. Under the FCRA you required to promptly DELETE NOW all unverified and invalid accounts, to avoid potential violations of FCRA 605.
<P/>
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Please verify and validate all data for each listed account, every notation, dates and balances, whether reported or not. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
<P/>
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
<P/>
Name of Account : ALLIED COLLECTION SERVICES Thank You,   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In late-  XXXX   I contacted  XXXX ,  XXXX  and   XXXX   with the following request. " Please remove the following derogatory report from my credit report : Bank of America Date Reported -  XX/XX/XXXX Payment Status - 120 Days Late Account Status - Derogatory Account Number -   XXXX   Account Type - Conventional real estate mortgage Original Loan Amount - {$260000.00} Date Account Opened - XX/XX/XXXX Date Account Closed -  XX/XX/XXXX  This property was sold via the HAFA program on a short sale. The short sale was approved by BOA in writing o XX/XX/XXXX and the transaction was completed on XX/XX/XXXX .
Since it has been over 3 years from the date of sale this should no longer be reported as derogatory. This was not a foreclosure, even though we were informed by BOA on  XX/XX/XXXX  that they insist on using the foreclosure code even for short sales. Unlike other homowners who lived for years without paying their mortgage, we only missed 10 payments between  XX/XX/XXXX o  XX/XX/XXXX , prior to the short sale, after the market crashed in  XXXX . This derogatory reporting should no longer be reported as derogatory. '' I initially contacted Bank of America who advised me that I needed to contact the credit reporting bureaus. It was interesting when I spoke with BOA because they said that my account shows a foreclosure, not a short sale. I offered to provide evidence of the short sale, but they declined, stating that even a short sale is listed as a foreclosure.
<P/>
I was told by BOA as well as licensed realtors that if I did a short sale it would be on my credit report as derogatory for three years. I feel I have either been lied to by both, or that BOA 's current practice is incorrect. I would really like to know rules or laws, if any, apply.

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 2017-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have recieved several letters in the mail about our home being sold at foclusure auction. We have now received a letter of unlawful detainer from the court and an eviction notice. We have been trying for serveral months to get a loan modification but to no avail. We have also tried to make numerous payments and each time were told that more money was needed than we had available. My wife suffered a serious accident at work and has been on teporary  XXXX  and the mortgage company was also told that. We are trying to clear this up and find a resolution so that we dont have to leave our home. Please help us we are stressing out about this and have tried to call the mortgage company which told us they would call us back by  XX/XX/XXXX  and we have not heard anything back from them yet. Thank You   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 2017-07-15 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: CA

Complaint narrative:
In late-May I contacted  XXXX ,  XXXX  and TransUnion with the following request. " Please remove the following derogatory report from my credit report :   XXXX   XXXX   XXXX   Date Reported -  XX/XX/XXXX  Payment Status - 120 Days Late Account Status - Derogatory Account Number -   XXXX   Account Type - Conventional real estate mortgage Original Loan Amount - {$260000.00} Date Account Opened -  XX/XX/XXXX  Date Account Closed -  XX/XX/XXXX  This property was sold via the HAFA program on a short sale. The short sale was approved by  XXXX  in writing on  XX/XX/XXXX  and the transaction was completed on XX/XX/XXXX .
Since it has been over 3 years from the date of sale this should no longer be reported as derogatory. This was not a foreclosure, even though we were informed by   XXXX   on XX/XX/XXXX  that they insist on using the foreclosure code even for short sales. Unlike other homowners who lived for years without paying their mortgage, we only missed 10 payments between  XX/XX/XXXX  to  XX/XX/XXXX , prior to the short sale, after the market crashed in  XXXX . This derogatory reporting should no longer be reported as derogatory. '' I initially contacted   XXXX   XXXX   XXXX   who advised me that I needed to contact the credit reporting bureaus. It was interesting when I spoke with   XXXX   because they said that my account shows a foreclosure, not a short sale. I offered to provide evidence of the short sale, but they declined, stating that even a short sale is listed as a foreclosure.
<P/>
I was told by   XXXX   as well as licensed realtors that if I did a short sale it would be on my credit report as derogatory for three years. I feel I have either been lied to by both, or that   XXXX   XXXX   current practice is incorrect. I would really like to know rules or laws, if any, apply.

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 2017-07-15 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: CA

Complaint narrative:
In late-  XXXX   I contacted  XXXX , Experian and  XXXX  with the following request. " Please remove the following derogatory report from my credit report :   XXXX   XXXX   XXXX   Date Reported -  XX/XX/XXXX  Payment Status - 120 Days Late Account Status - Derogatory Account Number -  XXXX  Account Type - Conventional real estate mortgage Original Loan Amount - {$260000.00} Date Account Opened -  XX/XX/XXXX  Date Account Closed -  XX/XX/XXXX  This property was sold via the HAFA program on a short sale. The short sale was approved by  XXXX  in writing on XX/XX/XXXX  and the transaction was completed on XX/XX/XXXX .
Since it has been over 3 years from the date of sale this should no longer be reported as derogatory. This was not a foreclosure, even though we were informed by   XXXX   on  XX/XX/XXXX  that they insist on using the foreclosure code even for short sales. Unlike other homowners who lived for years without paying their mortgage, we only missed 10 payments between XX/XX/XXXX  to  XX/XX/XXXX , prior to the short sale, after the market crashed in  XXXX . This derogatory reporting should no longer be reported as derogatory. '' I initially contacted   XXXX   XXXX   XXXX   who advised me that I needed to contact the credit reporting bureaus. It was interesting when I spoke with   XXXX   because they said that my account shows a foreclosure, not a short sale. I offered to provide evidence of the short sale, but they declined, stating that even a short sale is listed as a foreclosure.
<P/>
I was told by  XXXX  as well as licensed realtors that if I did a short sale it would be on my credit report as derogatory for three years. I feel I have either been lied to by both, or that   XXXX   XXXX   current practice is incorrect. I would really like to know rules or laws, if any, apply.

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 2017-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 've sent multiple request for removal of fraudulent information on report.
There 's   XXXX   items that are still reporting when they 're not.
<P/>
  XXXX   XXXX     XXXX   XXXX       XXXX   XXXX   I 've sent my identity theft affidavit and police reports multiple times as stated earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
APPLICATION ID :  XXXX  On  XXXX   XXXX , 2017 I applied for a capital one spark business credit card for my company   XXXX   XXXX   XXXX   XXXX  . I am the owner and only member of this company. When I applied I received a message stating they were still reviewing the application.
<P/>
On  XX/XX/XXXX , I received an email stating they need more info. They needed Photo ID, Proof of address and SS card. I uploaded those documents using their online portal, as well as faxed. I faxed Drivers License, SS Card, Check stub from one of Employers and EIN from business.
<P/>
Only  XX/XX/XXXX h I called Capital One, they confirmed they had everything they needed and it will be 3 weeks for a decision to be made.
<P/>
Today  XXXX   XXXX , 2017 I received an email from capital one dated  XX/XX/XXXX  stating I was denied because they were unable to verify information and application was " incomplete '' But per the screenshot below in the attachments, I gave them everything they asked me for from the email they sent.
<P/><P/>
I get home today  XXXX   XXXX , 2017 and I also received mail from them. Per attachment its dated  XX/XX/XXXX . 2 Days before letter on email. Mind you, they emailed me the letter today and its dated  XX/XX/XXXX  ( CONFUSING RIGHT ) The letter dated  XX/XX/XXXX  is stating they need proof of business existence for Entity   XXXX   XXXX   XXXX  , and Proof of physical address for your skincare spot.
<P/><P/><P/><P/>
I am upset because this whole process is completely unorganized and misleading. When I called to confirm they had everything ( per recorded phone call ) they said they had it all and is processing application. Then I get a denial and a more info is needed same day but dated two different days apart?
<P/>
I am LOYAL CUSTOMER. I have a auto loan and   XXXX   personal credit cards. I dont deserve to be treated unfairly. My application deserves to be handled properly and with dignity. I am requesting capital one to review my application.
<P/>
Attached to this complaint is a screenshot of all correspondents from Capital One. Along with some of the necessary documents needed to process application fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Genesis Credit Management, LLC
State: CA

Complaint narrative:
This agency kept calling and harassing my father to pay this debt that I was n't aware of. So I called to get more information but the agent I spoke with had such a bad attitude and kept yelling at me. I was told that I owed a debt from an apartment that I had moved out of years ago. I asked for validation of the debt so I could have some proof in writing but I never received anything. they kept harassing me several times a day threatening to put negative marks on my report and sue me if I did not give them payment in full over the phone. They marked my report with a collection for the amount of {$3500.00} and a public record for {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Applied for a capital one card with a promo code. I applied AND WAS APPROVED for a platinum card for  XXXX . I was given access thru the wallet. 3 days later. Acct restricted cause the code was sent and used to thousands of other. So accts were restricted. They sent out the card. Cant use it now its closed and was told there was nothing that can be done. Not all who uses this code was approved. Not sure how its considered. I used my social. My dob. My info and a hit to my credit and was just told oh well..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have an credit card account with Lowe's/Synchrony Bank. My payments were setup for standard allocation under Manage How Payments are applied. Per that description on their website : " Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration. '' My deferred payment balance was set to expire in  XXXX / XXXX /2018. I had charged many other items to the card for a remodel as a Regular Purchase. I paid off the Regular purchases by moving funds from a HELOC, yet Lowe's/Syncrhony Bank paid off the deferred interest balance leaving the Regular purchases unpaid. This would directly cause me to start accruing interest. I contacted them and the changed a partial payment and did n't seem to understand. They were not helpful. They have left me in a bind as I now will owe interest each month vs. my deferred promotional balance would have had no interest until  XXXX / XXXX /2018 and I would have paid it off by then.
<P/>
I work in a bank and this is as wrong as it comes.
<P/>   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 2017-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Applied for Home Equity Loan  XXXX / XXXX /17.No amount was requested. Believed amount of approved HELOC would be defined by lending agent, U.S. Bank. At the time of the loan application, I was aware of approximately {$50000.00} equity in my property, a condominium and I disclosed this information to the manager   XXXX   XXXX  ,  XXXX . who initiated the loan process and communicated with me until all documents needed for the loan assessment were submitted. Upon initial conversation with the Branch Mgr., he indicated the preliminary data indicated I should qualify for a {$72000.00} loan but I was NOT informed that this was the amount he was requesting in loan application.
On  XXXX / XXXX /17 I was informed by email and letter that the loan was denied due to " value or type of collateral not sufficient '' AND " insufficient amount of equity based upon the loan to value percentage ''. Per denial letter instructions I request further explanation from the Branch at (   XXXX   )  XXXX , receiving no additional information.  XXXX / XXXX /17 I requested Branch Mgr. to follow up with Corporate Office with no further clarification.
Question : How can loan be denied for LTV when no amount was requested by the applicant? If lender does not approve HELOC 's for condominiums, this information is needed as a consumer so I can understand my future lending options.

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