vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-10 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:
To Whom It May Concern, I am writing as I am in the process of purchasing a home once more and discovered on my credit report that XXXX XXXX and XXXX show late payments some years back. I did not have late payments, I ask that the credit reporting agencies promptly provide verification or documentation that there is a valid basis for the claim of late payments on my credit report, or remove these late payment notices from my credit report immediately. 

Specifically, my credit report shows late payments from : XXXX XXXX Customer Service XXXX. XXXX XXXX XXXX XXXX, TX XXXX Late dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Late date : XX/XX/XXXX As referenced above, I am challenging the late payment notices and asking them to be removed from my credit report at the earliest possible date. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have had extreme difficulty with Chase Bank presenting a reasonable modification agreement for my mortgage, which had gone on for some time. I had a modification application entred in to Chase in XX/XX/2018. I had not received any updates or request for more information, but I have sent in updated pay stubs over the past months. Chase put my house up for sale and executed a sale on XX/XX/2018, but I have never received any communication directly to me about the status of my modification application. They did not call or send my any request for information or any indication of the modification decision, yet they went ahead with the sale. Also the property as sold for {$47000.00}, which indicates that they had room for a reasonable modification agreement even with principal reduction. I wish for this to be investigated as I have had this problem with Chase for some time, but time they did something different by not sending me any notification of my modification application status, and selling the property for {$47000.00} which seem to mean there was an opportunity for a modification .By not notifying me of the modification application status i had ot chance to respond or request a second review before the sale.. Kindly look into this matter as Chase has been very unreasonable throughout this loag lasting ordeal. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax failed to positively verify the accounts and has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX XXXX XXXX XXXX, XXXX  ( ORIGINAL CREDITOR : XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MI

Complaint narrative:
I have a debt showing on my credit reports for an account that I did not authorize. It is unknown to how this came about but I am certain it was not under my discretion. I didnt even give anyone close to me permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion failed to positively verify the account, and has hurt my ability to obtain credit. XXXX XXXX XXXX  XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: TX

Complaint narrative:
Transunion failed to positively verify the account, and has hurt my ability to obtain credit. XXXX XXXX XXXX  XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: AZ

Complaint narrative:
I have disputed several items on my credit report as inaccurate and requested verifiable proof via mail and online with Experian. The results have always come back " verified as accurate '' and/or " updated '' with no proof or an original signed contract with my signature. I have also requested their method of verification and received no response. In reviewing my credit report I also noticed that the " date of status '' had not been updated as the items were " verified '' which leads me to believe that a proper and reasonable investigation never took place. My dispute dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested deletion of the following accounts, however, the items still remain : XXXX XXXX/XXXX  - status updated last on XX/XX/XXXX XXXX XXXX - status updated last on XX/XX/XXXX XXXX  XXXX XXXX  - status last updated on XX/XX/XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX ( 2 accounts ) - status last updated on XX/XX/XXXX XXXX XXXX XXXX XXXX  - status last update on XX/XX/XXXX XXXX  XXXX - status last updated on XX/XX/XXXX XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX XXXX  XXXX XXXX - status last update on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX XXXX  - status updated last on XX/XX/XXXX XXXX XXXX  - status last updated on XX/XX/XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX and doesn't show that account was disputed XXXX  - status last updated on XX/XX/XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX XXXX ( 2 ) - status last updated on XX/XX/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 2018-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
Navy Federal Credit Union raised my interest rate on my vehicle and changed the payment. The paperwork that I signed was for a totally different payment and interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
The recording of fraudulent document. Lost note. I do believe they Securitization it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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:
Equifax failed to positively verify the accounts and has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX  XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ), XXXX  XXXX  ( ORIGINAL CREDITOR ( XXXX XXXX XXXX )  , XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Acceptance Rentals, Inc.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They told me 50 minutes before they sold my house that I didnt qualify

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Under the Fair Debt collection 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 that is binding on me to pay this debt. This company HAS NOT done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery One, LLC
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Under the Fair Debt collection 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 that is binding on me to pay this debt. This company HAS NOT done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have requested that the credit reporting agency validate the following information more than 5 months ago with no response. 
XXXX XXXX XXXX I XX/XX/XXXX {$1000.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$34.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: VA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion failed to positively verify the accounts and has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX  ( ORIGINAL CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : 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 2018-12-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have requested that the credit reporting agency validate the following information more than 5 months ago with no response. 
XXXX XXXX XXXX  I XX/XX/XXXX {$1000.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$34.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have requested that the credit reporting agency validate the following information more than 5 months ago with no response. 
XXXX XXXX XXXX I XX/XX/XXXX {$1000.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$34.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: URS Holding, LLC
State: FL

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. Equifax, XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is my 2nd complaint that I have filed with the Consume Financial Protection Bureau against XXXX XXXX XXXX. The first complaint was on XX/XX/XXXX. On XX/XX/XXXX I received a " Notification of lawsuit Filing and Civil Complaint '' from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I PAID/settled this loan in the amount {$250.00} in XX/XX/XXXX to XXXX XXXX XXXX that was representing XXXX XXXX XXXX for the loan. On XX/XX/XXXX @ XXXX XXXX I received a pone call from XXXX XXXX XXXX asking for a settlement on the XXXX XXXX XXXX loan. I informed them that I paid the debt. the conversation got heated and I was informed that they were taking me to court and I told them to go ahead. 

Over 5 years XXXX XXXX XXXX have not updated their records to showing that I PAID this loan!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WV

Complaint narrative:
My problems with XXXX started in XXXX when my recert was due for my repayment plan. My payments prior to XXXX were affordable, then I get a letter saying that my payments have been changed to {$190.00} a month. I called and told XXXX that my husband and I have way to much bills and I cant make that payment. They stated I should apply for a forbarence on my pond. A guy on the phone helped me fill out the application and then told me to reapply for a different repayment plan.. so I did. My account was placed on hold and I received several letters about me being approved for forbarence until XX/XX/XXXX. I received a bill in XXXX for $ 5000+ due on my payment date. I called XXXX  immediately and asked what was going on. I was told that this was built up interests from being on forbarence and not making any payments. I was then told it would be added onto my loans soon as my new plan was approved. I was also told that I missed my {$5.00} payment that I never got a bill for for my new application/forbarence. I check my account on XX/XX/XXXX because I received a letter stating that my new balance of {$200.00} is due on XX/XX/XXXX. I paid this amount on XX/XX/XXXX. I checked again at the end of the month to see if my payment was applied and my account said I had {$200.00} due again. I didnt have the money to pay, but I did and it left me with less than {$50.00} in my bank account. I called XXXX immediately and asked what was going on. I was told that I did not request for the {$5000.00} to be capitalized on my loans. I told the man on the phone that this was the first time I heard XXXX  say anything about me having to request it to be capitalized. He told me that once I am approved for this capitalization, then I need to call back and request that the two {$210.00} payments I made in the month of XXXX to count toward my loans and my PSLF. I receivived a text message today from XXXX stating that I missed my payment date on XX/XX/XXXX ( even though the bill stated I owed XXXX and I paid it twice ). I am so tired of XXXX  finding ways to get more money out of me especially when I told them that our debt to income ratio is on the bad side. They really XXXX with my account and my financial life. 

I would like to attach all the letters I received from XXXX  but there are so many!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: AZ

Complaint narrative:
Equifax failed to positively verify the account, and has hurt my ability to obtain credit. XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX were never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Today, actually, it was yesterday. I dent money to a guy by PayPal but that guy is a cheater. When I sent first once, he let me copy his account. When I fished, he said the account number is wrong and let me send second. And I did. This time I provided correct account but PayPal showed another account, I don't know why, then he said he did't receive the money, and let me try more. Then I know I was cheated by him. Now I can't cancel it and my money flows to that liar. I don't know how to fix it and a lot of people facing the same problems.

Company response to consumer: Closed with explanation