vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 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: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 90-120 days past due on XXXX   XXXX - partial account number XXXX-XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
Since the start of my loan ( XXXX ) with Nation Star now Mr. Cooper they have applied my payments incorrectly. An  Overpayment that should be applied to my principal they are holding in suspense instead of reducing the principal. This has occurred monthly for 4 years resulting in over {$28000.00} not being applied to the principal that has been paid. I contacted the company and they continue to deny that the payments are not being applied correctly after contacting my previous loan holder to ensure I was up to date. They are now requesting bank statements for the last 4 years to verify payment even though their system shows the payments being paid. After asking that they review the account I was told that if they made any adjustment to reverse the payments I would be in default and placed in foreclosure despite over-paying faithfully since the start of the loan. XX/XX/2019 was the very first statement about having payments in suspense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND I HAVE FOUND AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED MASSIVE HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2019-05-07 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: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2019-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
My account with BMWF is currently past due for months of XX/XX/XXXX an XX/XX/XXXX, the total amount due shows XXXX as of today, XX/XX/XXXX. I do not know if this amount includes all late fees, returned check fees, etc. I am currently without a phone and am unable to call BMWF to make any type of payment arrangement ( s ). However, I have made payments totaling XXXX to date, amounts of XXXX received on XX/XX/XXXX, XXXX received on XX/XX/XXXX. I will make the outstanding balance, which I show is XXXX by XX/XX/XXXX. I request BMWF allow me this time, hold off on collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: CA

Complaint narrative:
the following XXXX  XXXX  account is not mine, this is an inaccurate and fraud account reporting under my equifax credit reports, this has been disputed with them several times, they hare not helpful at all and to some what they are inaccurately reporting these accounts and not even helpful, i have already attached my police report, please find attached. 
please help me to have this one account removed from equifax thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
My cousin received this voicemail from a man name XXXX ( which was strange to begin with because i have never put her number on anything other than emergency contact or reference for a job ) stating he was calling from a law office about a complaint about collecting a debt. when i called back i got XXXX XXXX, who was off rip rude as they come. XXXX tells me that he is calling regarding a debt from HSBC from XXXX XXXX XXXX of over $ XXXX. for starters, i have never heard of this company HSBC and two why are you calling me TWELVE YEARS LATER. XXXX then tells me that it was a card i applied to in XXXX and had until XXXX to pay. again 10 years later they are calling me. without any form of contact from this said company, no calls no mail. He ask to verify my address and it was wrong! it was an address from FIVE years ago, which burned down unfortunately. my address and all my personal info is up to date, including my license, so how hard were these people actually trying to contact me? they filed a claim YEARS ago and then reinstated the claim AFTER the researched my info and found that i was working ( according to this XXXX XXXX ). so, if you can research whether or not i have an income, why couldnt they research my CURRENT info to avoid all of this? 

so in attempt to resolve this issue, i asked what my options were ; XXXX then said i could pay {$500.00} now and make payments of {$100.00} or something towards the settlement of {$1500.00} they were offering. mind you, this credit card had a credit limit of {$300.00} according to this XXXX person and TWELVE YEARS LATER its at over $ XXXX. When i told XXXX that i couldnt possibly pay XXXX up front he asked when i could make the payment. i was honest and said probably not until the end of this month ( XXXX ) or beginning of next month, as i am not rich and can not shell out XXXX in the blink of an eye. his response? " NEXT MONTH?! YOU DONT GET PAID AGAIN? ". i told him of course i do but unfortunately i have other responsibilities and i cant just abandon them to please you. oh! and even better, he kept saying " i dont have to help you '' almost like he was doing me a favor on something I HAD NO IDEA ABOUT! 

in the end i asked how i could get in contact with HSBC and the XXXX then said " IN COURT! Ill get you served, good luck '' and HUNG UP! 

it is absolutely ridiculous for this company to be threatening to garnish my wages, etc when this said account is TWELVE YEARS OLD, they have inaccurate info on how to contact me AND demand that i pay XXXX out front. had this company contact me sooner and not TWELVE YEARS LATER i would've been happy to settle the debt but they are looking real desperate to be coming after someone TWELVE YEARS LATER with this garbage and threatening people to get their way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: FL

Complaint narrative:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2019-05-07 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: AR

Complaint narrative:
AforcedinsurancepolicywasplacedonmyaccountwithXXXXXXXXintheamountof{$1200.00}.Iattemptedtomakepaymentsof{$220.00}ontheaccountuntilitwaspaidinfull,buttherepresentativeadvisedmethefullamounthadtobepaid.Thiswasthecurrentamountofthemortgagepayment.Afewmonthspriormymotherdied,andIwasdoingthebestIcouldonmyaccounts.TherepresentativeadvisedmethatmymaturitydatewasXX/XX/XXXX.Iliterallyspokewith30representativesonarecordedlinetogetthispaymentissueresolvedoverathreeweekperiod.Finally,threeweeksintothematuritydatearepfromXXXXXXXXadvisedmetowriteasettlementletterintheamountof{$500.00}.Iasked,"Doyouthinktheywillacceptmyofferandshereplied,"Ihaveseemthemdoitinthepastandyes.''Shealsoadvisedmethatitwilltake30daysbeforeIreceivearesponsefromthemandIsaid,"Okay.''Forty-fivedayspastmymaturitydateIreceivedaletterfromXXXXXXXXdatedXX/XX/XXXXacceptingmysettlementofferfor{$500.00}.Thecompanygavemeanother30daystopaytheamountinfull.TheamountwaspaidinfullbeforetheduedatewhichwasXX/XX/XXXX.Theletteralsostatedthatafterwereceiveyousettlementamount,wewillconsideryourloanpaidinfullbalance.Wewillreportyourloantothemajorconsumerreportingagenciesas,"[a]ccountpaidinfullforlessthanthefullbalance.ThestatementdoesreflectonmyXXXXandEquifaxreport.MyEquifaxreportreflect60dayslateandaccountpaidforlessthanfullbalance.MyXXXXreportreflect60-89dayspastdueandaccountpaidinfullforlessthanfullbalance.ThelatepaymentswerenotthetermsontheletterfromXXXXXXXXwhichwasdatedonXX/XX/XXXX.IhavespokenwithaXXXXrepresentativesincethisoccurredtryingtogetthisissueresolved,buttonoavail.Differentrepresentativesadvisedmedifferentinformationaboutmyreportinginformationtothecreditbureau.Oneadvisedmethatthiscanberemoved,buttonoavail.IalsohavewrittenagoodwilllettertothecompanyandfaxedittoXXXX,buttheydeclinedmyrequest.Mylastconversationwastoday,XXXXXXXXandtherepresentativespokewithtwodifferentsupervisorsandheadvisedmethathissupervisorsstated,"Becausemyaccountisclosedtheywillnotinvestigatemyaccountandtheycannotchangethewayithasbeenreportedtothecreditbureaus.IhavebeenmaintainingtwoaccountswithXXXXXXXXformerlyXXXX,XXXX,andXXXXandtheyhaveneverhadtoreportmyaccountslatetothecreditbureaussinceXXXX.Ivaluemycredit,andthishavestoppedmefrompurchasingahomebecauseofthereportingonmycreditreport.IalsohaveacreditscoreofXXXX.Pleasecanyouassistmewiththismatter.Thankyouforyourtime.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I had a vehicle loan that I opened back in XXXX with Wells Fargo Dealer Services. My mother cosigned the loan for me as I had recently gotten divorced and was rebuilding my credit. I never had any particular issues during my time with Wells Fargo, and refinanced the loan in XXXX with my credit union. 

Around late XX/XX/XXXX, I was changing jobs, and had been using the bank near my employer at the time. I called Wells Fargo to notify them of the change to my bank information, and scheduled a payment over the phone. I didn't think anything of it until the payment didn't process as it should have. Once I found out, I logged into the system and made a manual payment, but according to them, it was 1 day late. They never reported this payment as late on either my credit report, or my mother 's. 

My issue and reason for this complaints stems from late winter of XXXX. I am in the process of applying for a home mortgage loan. I had a subsequent auto loan in XXXX with Wells Fargo, where I was the sole borrower, which I had refinanced in mid XXXX, also with my credit union. As of XX/XX/XXXX, Wells Fargo was still reporting it as an open account status, despite the account having been paid off for well over a year and a half, so I disputed it with the credit bureaus. Sometime after mid XX/XX/XXXX, Wells Fargo suddenly started reporting a late payment for XX/XX/XXXX on my joint auto loan ; however, the 30 day delinquency for that month was ONLY being reported on my credit report, and not my cosigner. 

I have tried to address this with Wells Fargo several times, and they have refused to adjust the notation, despite the fact that this is the ONLY delinquency notated on my entire credit file, for ANY account over the past 7 years, nevermind the fact that I have had another account in good standing with them since then, and have proof of the reporting status of the account in question.

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 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
a debt collection LV N V company trying to collect a debt that XXXX THE COMPANY PAID IN FULL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND I HAVE FOUND AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED MASSIVE HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 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 sent 4 letters to Experian and XXXX to remove some items off of my Credit Report. They have not provided Verifiable Proof ( an original consumer contact with my signature on it ). While some items have been removed not all, even though XXXX has removed the rest of the items.

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 2019-05-07 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:
3 years ago ( XXXX ) I disputed a collection amount with the collection agency after I ended up in collections with a dentist. ( They told me my out of pocket, I paid it and then they went on to charge me more although they already told me the price - it was not a required procedure. ) I sent certified letters disputing at that time. I heard nothing back from the collection agency, so assumed the matter dealt with ( I did not get any calls as would be typical. 

In XX/XX/XXXX I was alerted that there was an increase to my collections on my credit report which alerted me that it was not dealt with. 

I disputed this collection amount with the credit bureau again who said it was legitimate. So I also disputed with both the dentist and collection agency two more times. I asked for proof of the debt from the dentist which they did not give me ( a signed quote that I agree to pay the amount as they said they give all patients ). I received nothing from the dentist. 

I asked for a debt verification from the collection agency ( they haven't responded 2 times ). I have no debt validation information back from the collection agency. 

I have sent certified/return receipt in all instances as you will see in the attached. 

Since it is not valid and they have not sent any documentation of the validity - it should not be on my credit report nor with collections ; yet the credit agency is listing it.

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 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive reported my card ( XXXX ) lost to Capital one and charges to be removed. 
Capital one initiated a investigation and removed only some of the charges. 
I spoke to them on XX/XX/2019 and they stated that decision final with I can not accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: MO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6 - 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
As of XX/XX/2011 I have been paying Midland Funding L.L.C. Through the law firm of XXXX, XXXX XXXX XXXX XXXX. {$50.00} a month for a debt that is not mine. I hired the firm of XXXX XXXX to represent me in this case. I was told after the initial hearing that it would cost more to fight this then it would be to pay the debt. I am still paying this debt even though I have never worked with Midland Funding. It has come to my attention that The Consumer Financial Protection Agency has charged Midland Funding with violations of the Fair Debt Collection Practices Act and am wondering if this is a legitimate debt that I need to continue paying.

Company response to consumer: Closed with explanation