vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I've overpaid my credit card by {$1400.00}. Since early XXXX, I have attempted to have my balance returned to me. They first said a check would be sent. After 15 business days, I called and they offered to electronically send it. I waited 5 business days, it didn't come. I called them multiple times in an attempt to collect my money and was told multiple times it would be transfered. Finally, an " account supervisor '' said the payments needed to be verified over the phone with my personal bank. We did that in a phone call that took about an hour. I was again assured that the money would be transferred to my bank in 5 business days. It was not. I called again and they told me their " back office '', had decided to cut a check and that I would receive it in 10 business days. I have no reason to believe them considering they have told me many things before and nothing has ever come true. I have no idea what to do at this point. This is {$1400.00} that is rightfully mine and I need it back. I sure do hope this helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: DC

Complaint narrative:
XXXX I flied a complaint with your bureau for assistance against a collection agency ( National Recovery ) in whom is reporting a inaccurate debt of {$780.00} on my XXXX  , XXXX & XXXX  credit report in which they claim I owe directly to them on behalf of XXXX . 

XXXX After showing proof to your bureau that I settled this debt with XXXX directly ( please see attachment ). National Recovery responded to your bureau with the following statement : NRA Group LLC, has received this complaint. We mailed a notice to the consumer on XX/XX/XXXX and it came back as mail return. It is the same address the consumer provided on this complaint. Without a correct address we can not send anything- the consumer could have provided us with a updated address and billing would have been mailed. As of XX/XX/XXXX the account has been marked as paid - the client reported a payment to us and the account is closed. The credit bureaus will be updated as such. Once they are updated it could take them 30-90 days to fix the consumers credit. If they wish to expedite this process they will need to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Finance Company, Inc.
State: NC

Complaint narrative:
Please submit under the penalty of perjury on and for the record. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. 
1.The name of the original creditor ; and 2. The address and phone number of the original creditor ; and 3. The name of the person who verified the dispute with the original creditor ; and 4. The cusip information for the application ; and 5. The True Books including : balance sheet, FAS 95, Thrift Finance Report ( TFR ), FR 2046 Balance Sheet, 1099-OID, S-3/A registration statement, 424-b5 prospectus, RC-S and RC-B call schedules. 
6. Please furnish a copy of the original contract showing my social security number to prevent identity theft and state under penalty of perjury that your client is the party in interest of the contract and will produce the original for my own and a judge 's inspection should there be, trial to contest these matters ; and 7. Please produce account and the ledger Statement showing the full accounting of the alleged obligation you are now attempting to collect. 
8. Please furnish the license of the person collecting on the 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 2020-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: MS

Complaint narrative:
I made my monthly payment on XX/XX/2020 with Ford Motor Credit and my due date is not until the XXXX of each month. I am being told my payment will not be process until the XXXX and I will receive a 30 day late ( NEGATIVE ) report on my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
As of XX/XX/XXXX each time XX/XX/XXXX XX/XX/XXXX I have asked for validation of debt with original signatures and Original dates when account first open and they refuse to send it. I keep getting back debt verify with a statement. It was taking off my credit report back in XXXX by Lvnv funding LLC then it comes back as finger hut, then that is taking off then come back again as Lvnv funding LLC. Its like theyre going back and forth between companies reporting and not sending the information that is needed. The amount is XXXX as of XXXX it was just added back to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
XXXX XXXX XXXX I dont remember ever getting a phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Having problems with Equifax removing inaccurate accounts form my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TX

Complaint narrative:
I have been trying for two and a half years to get XXXX XXXX XXXX  and XXXX to report a accurate information on my mortgage loan. I financed my mortgage originally with XXXX XXXX XXXX  XXXX XXXX. A few years later XXXX XXXX XXXX  bought XXXX. In XXXX I had to file for Chapter XXXX protection. I continued to pay my mortgage as usual. I have never been late. My mortgage history was reported properly by XXXX XXXX until XXXX. That is when my nightmare begin. They begin using XXXX to collect their payments. Then all of a sudden all of my mortgage payment history disappear. I have reach out to both companies for two years, but nothing has been resolved. XXXX XXXX actually sent a letter stating that they would correct my credit reports and simply reversed the decision to correct. XXXX is none responsive and places the blame on XXXX XXXX and XXXX XXXX places the blame on XXXX. In the meantime, my credit reports are not reporting my positive pay history which is impacting me in a negative manner. I need assistance with this matter. Please advise.

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 2020-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a customer with Capital One Visa for over 18 years. Never have I been late on a payment. I submitted a credit line increase request on XX/XX/XXXX. Capital One declined my increase, stated credit score was too low, BUT the letter ( attached ) shows they used a credit score from  XX/XX/XXXX, over 60 days old. My credit score was 100+ points higher on XX/XX/XXXX. 

I called Capital One. They told me to resubmit my request. I resubmitted my Credit Line increase request on XX/XX/XXXX. Capital One again declined my request, AND as shown in the second attached letter, Capital One again used the same OUTDATED information from XX/XX/XXXX. 

I submitted a third request on XX/XX/XXXX. Request was denied again, but AGAIN, as shown in the third attachment, Capital One still used information from XX/XX/XXXX. Why is Capital One refusing to use current information to make a decision?? Why is Capital One purposefully using a credit score that is over 90 days old? 

Furthermore, I find it infuriating that after 18 years of being a faithful, loyal customer, Capital One can not even give me the basic courtesy of processing my Credit Line Increase request by using CURRENT credit report information. 

Again, my score in XXXX, XXXX and XX/XX/XXXX is over 100+ points higher than the information/score Capital One is  using from XX/XX/XXXX. I feel it is unfair and DISHONEST for Capital One to use outdated information from XX/XX/XXXX to review a Credit Line Increase requested on XX/XX/XXXX.

I would encourage anyone reading this post to thing long and hard before becoming a Capital One customer. If they will treat a loyal customer of 18+ years like this, imagine how they will treat a brand new customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: OH

Complaint narrative:
There are a few creditors on my credit report that refuse to address incomplete information. I've sent letters twice within the last 90-120 days and nothing has changed.

ERC- {$280.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Having problems with XXXX removing inaccurate accounts form my consumer report.

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 2020-02-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Having problems with XXXX removing inaccurate accounts form my consumer report.

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 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit Systems has fraudulently flagged my credit report with a collection notice related to XXXX XXXX. I have never had an account with XXXX XXXX. I have informed Southwest Credit and they refuse to remove the collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I closed my account in the summer but Citi keeps re-opening it and applying fees for insufficient funds.

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 2020-02-13 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
My problem pertains to a 90 day late error on my Navient loans. There is no late history, I pay the account on time and am never late. The error does not show a 30, 60 late prior to the 90 day late. I have called Navient and explained the error, and they have promised to remove it because it is an obvious error. However the problem persists and worse yet gets duplicated across all my loans. The same 90 day late annotation. I have been treated very kindly by Navient but the problem has been addressed and found to be an error by various agents but never corrected when they say it will. I am asking for help to see this small matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
SYNCB/PPC ( PayPal ) reported someone else 's account information to the credit bureaus under my name for an address I have never lived at. The account was opened on XX/XX/XXXX. My account was opened in XXXX and is in good standing. The other account from XX/XX/XXXX that I did not open up is not in good standing and has dropped my credit score over 100 points. I sent SYNCB/PPC a letter on XX/XX/XXXX and have not heard anything yet. I sent the letter so that they would have to sign for it and send a green card back to me, which I have received. It was signed for on XX/XX/XXXX. I just don't know how and when they plan on notifying me to let me know this has been corrected. XXXX  said there is nothing they can do until PayPal reports the correct information to them. The XX/XX/XXXX account that is not mine was opened on XXXX, reported on XXXX, High Credit of {$900.00}, Past Due Amount of {$180.00}, Account Type : Credit Card, 120 days past due, account closed by credit grantor. I got my credit reports the end of XX/XX/XXXX so of course none of this was on them, nonetheless this is not my PayPal account information. Also concerning the address in MS , linked to this account, how could I be living in 2 places at the same time. Not only have I not lived at that address, I have never given that as an address to PayPal.

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 2020-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC
State: TX

Complaint narrative:
I received notification in 2018 that I owed {$120.00} to the XXXX XXXX XXXX  XXXX XXXX office. I stopped by and paid this amount in FULL at that office. Apparently the office sold the account to a bill collector. After it was disputed and found to be paid by the first debt collector, it was sold to another. 

As a result, I keep getting NEW bills for the same item that has already been paid. This is credit dispute XXXX and I am so very tired of having to deal with this. I have sent a letter to the newest company who was sold this false account ( Credit Service Company , Inc ) and have not receive any reply. 

I am hoping that you can find a remedy for this issue and stop this endless harassment for a bill already paid. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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 problem pertains to a 90 day late error on my XXXX loans. There is no late history, I pay the account on time and am never late. The error does not show a 30, 60 late prior to the 90 day late. I have called XXXX and explained the error, and they have promised to remove it because it is an obvious error. However the problem persists and worse yet gets duplicated across all my loans. The same 90 day late annotation. I have been treated very kindly by XXXX but the problem has been addressed and found to be an error by various agents but never corrected when they say it will. I am asking for help to see this small matter resolved.

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 2020-02-13 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 problem pertains to a 90 day late error on my XXXX loans. There is no late history, I pay the account on time and am never late. The error does not show a 30, 60 late prior to the 90 day late. I have called XXXX   and explained the error, and they have promised to remove it because it is an obvious error. However the problem persists and worse yet gets duplicated across all my loans. The same 90 day late annotation. I have been treated very kindly by XXXX  but the problem has been addressed and found to be an error by various agents but never corrected when they say it will. I am asking for help to see this small matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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 problem pertains to a 90 day late error on my XXXX loans. There is no late history, I pay the account on time and am never late. The error does not show a 30, 60 late prior to the 90 day late. I have called XXXX and explained the error, and they have promised to remove it because it is an obvious error. However the problem persists and worse yet gets duplicated across all my loans. The same 90 day late annotation. I have been treated very kindly by XXXX but the problem has been addressed and found to be an error by various agents but never corrected when they say it will. I am asking for help to see this small matter resolved.

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 2020-02-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian refuses to remove information that was shown and proven as identity fraud. I have called and faxed over the supporting information. 

XXXX XXXX XXXX, was a fraudulent debt under the name XXXX that was already removed, in which they sold the debt and renamed it. I called and advised this and they have ignored my request and proof which can be seen in previous reports from 2018. 

XXXX  XXXX XXXX  was an account fraudulently opened I have a security warning on all my credit reports requesting the companies call and verify that it is me they are speaking with as my identity was stolen and was reported to all credit bureau 's. 

XXXX XXXX Was a debt that was belong to my previous Land lord in which I provided proof via text in which he admitted that he did not switch the electricity out of my name once I moved There are also double inquiries on my report which should only appear once I have contacted them about this and they have yet to be rectified

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 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I have Power of Attorney for my Father on this account. In year of XXXX it was documented a mortgage loan of XXXX was not taken out by my Parents. How it was done we don't know. Their signature is up on the contract but it's impossible for them to say it was a mortgage loan because the land and house was paid for by parents. XXXX XXXX  is the company who said they owe {$53.00} for mortgage which they never financed that amount for them to borrowed or given for anything. I see also this account was given to them by XXXX XXXX  .Then XXXX XXXX  in XXXX turned this loan over to Ocwen Mortgage XXXX and in XXXX, the month of XXXX, Ocwen turned this loan over to PHH Mortgage. I have been Informing them that this could no way be my parents loans legally. No money was borrowed against this property or was used as collateral for any purpose. I believe this loan was fraudulent from the beginning. My parents were not aware of these situations going on. My mom passed in XXXX and my dad which Is XXXX years old with health issues he don't need this burden. I want our property back from their clutches and payments that were paid over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
I stopped into the XXXX XXXX XXXX XXXX in 2019 to make sure I did not have any unpaid account. I spent an hour discussing with the receptionist there while she checked on my account. I was advised that I owed nothing and it had all been paid. 

I gave her my name, social, address and all other information for her to verify my account. After her response, I asked her to recheck and she verified this. I now get a notice that I owe {$170.00} to this company through a separate bill collector called merchants credit guide. 

I am very tired of trying to fix things that should have been fixed by the original company. It is not what you want to do when you have XXXX. It is continued harassment for doing the right thing : paying my bill!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief