vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This collection appeared in my credit report out of the blue as of XXXX XXXX. There has never been any correspondence between this company and I, no records of any emails or phone calls regarding this collection. If it was a very old dept, why now after so many years. I require this fraudulent company to PRODUCE any documents or contract with their name on it next to my signature. I do not have any recollection of contraction with such company. Please get them to remove their dirty paws out of my pocket. Thanks. 

Here is the company name and details below this line -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Amount {$580.00} (

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX were no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: MODERN FINANCE COMPANY
State: CA

Complaint narrative:
I have a loan with MODERN FINANCE COMPANY. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and MODERN FINANCE COMPANY with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: MODERN FINANCE COMPANY
State: CA

Complaint narrative:
I have a loan with MODERN FINANCE COMPANY. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and MODERN FINANCE COMPANY with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XX/XX/2018 2018

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
This is a complaint against the company XXXX, in the month of XXXX  I applied to process credit cards of my clients, I am a XXXX  and this company destroyed my financial life, they closed my point, the worst thing is that I delivered the product and they They blocked the money, according to them I made a violation, I wonder what violation I made so big for working that they reported me in the match, however now I can not work, nobody approves me a point because of this company, but this is not It will stay like this, I will demand them to destroy my financial assets and make me lose my job. demand comes out, you have no right to destroy the life of a human being, I am an American city and I know the laws and I will have to pay every penny I have lost for having gotten in the match, I know them very well. you destroyed my life now they demand, destroy me and leave me without work

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 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To my knowledge, I was never late on my Capital One credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount. Like even now my balance is {$0.00} because I make sure to maintain my credit properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To my knowledge, I was never late on my Chase credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/2018 which is not true. I have had this credit card since XX/XX/2018 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
To my knowledge, I was never late on my Ford Motor Credit auto lease with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this lease since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have tried to even pay way before my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I asked to Nelnet/U.S Department of Education to provide proof that I consented to student loan debt and explain their reporting of information to credit bureaus and prove that they are in fact valid debt collectors in accordance to 1692 law definitions. I have repeatedly contact them ( Cease and desist letter on XX/XX/2019 and another letter of information request on XX/XX/2019 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I purchased a car using XXXX XXXX to secure the loan in XX/XX/XXXX. In XX/XX/XXXX, : - ) have not been able to reach them. They no longer are a company. As a result of XXXX XXXX improperly not reporting my own finances are negatively affected. I've tried calling numerous times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been reported to the credit bureau for 1 late payment over 30 days due to a yearly membership fee of {$59.00} THAT WAS DUE ON XX/XX/XXXX allthough this credit card has been paid in full since XX/XX/XXXX. 
I have authorized CAPITALONE on several occasions to deduct minimum payments automatically from my bank account. 
I spoke with the rep at Capitalone and they verified that they have all of my correct banking info. On file however, the automatic payment was never generated and therefore they have reported negative information on my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I received an alert from my credit montioring stating a new collections has been added to my XXXX. I noticed it is from XXXX. The company simply placed the item on my credit report and never sent me any notice. This is the first time I am hearing about this debt and it lowered my score 24 points. This is a text book violation of the Fair Debt Collections Practices Act And The Fair Credit Reporting Act. I am requesting that XXXX be investigated, please no phone calls communicate in writing only. 

XXXX XXXX is also a possible contact for XXXX XXXX I have attached the trade line that simply was inserted without any notice of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: NJ

Complaint narrative:
To my knowledge, I was never late on my XXXX student loan with account number XXXX**** ( Opened XX/XX/XXXX ), 7XXXX**** ( Opened XX/XX/XXXX ), XXXX**** ( Opened XX/XX/XXXX ), XXXX ( Opened XX/XX/XXXX ), XXXX**** ( Opened XX/XX/XXXX ). But I realized that I was reported as being 120 days past due in XX/XX/XXXX and 150 days past due in XX/XX/XXXX which is not true because I was supposed to be in deferment but then I got current right away. And then I was reported as being 90 days past due in XX/XX/XXXX when I had already processed my paperwork to consolidate my student loans which was finalized on XX/XX/XXXX. 

I have had student loans since XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
On XX/XX/2018, I sent a set of QWR Demands to Real Time Resolutions ( RTR ). RTR has not responded to my request by sending the documents to my home address. RTR claims they sent the documents to a separate party in Oregon. Since the accounting and ownership rights to the debt are in question, the documents requested within the QWR are relevant.

Once the loan in question was transferred to RTR, I filed written complaints, demanding explanations relevant to the holder of our mortgage note and Deed of Trust. RTR still has pending responses which specifically related to our questioning the affidavit of sale and or assignments of custodial servicing rights to RTR. RTR was also served with a qualified written request ( QWR ) under the RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ).

Since RTR acts as both a loan servicer and debt collector under CA law, I am seeking your  assistance on this matter. You can reach me at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: FL

Complaint narrative:
I have been reported to the credit bureau for 1 late payment over 30 days due to a yearly membership fee of {$59.00} THAT WAS DUE ON XX/XX/XXXX allthough this credit card has been paid in full since XX/XX/XXXX. 
I have authorized XXXX on several occasions to deduct minimum payments automatically from my bank account. 
I spoke with the rep at XXXX and they verified that they have all of my correct banking info. On file however, the automatic payment was never generated and therefore they have reported negative information on my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I was informed by XXXX XXXX XXXX XXXX that my mortgage was being transferred To XXXX XXXX XXXX In XXXX, Colorado. In the letter I was told that SLS would be contacting me about my new account number and other account information. On XX/XX/XXXX, after not hearing from them, I called their customer service line and spoke with a representative. She assured me by the end of the week I would receive that information and she gave me my account number for payment purposes. On Wednesday XX/XX/XXXX, after not hearing from them, I called again and was told by a customer service representative to sign up online on their website to obtain this information easier. Later that night, I filled out all the information but when I out in the last 4 of my social and the account number they provided me I was told it was invalid. On Friday XX/XX/XXXX, when my mortgage was due, I called their automated line, entered the last 4 of my social and the account number they provided me and was once again told it was invalid, I called and a customer service representative told me I could pay over the phone with a debit card or a check with a routing number. I refused telling her if their system said my account number was invalid where would my payment go., So here I sit, willing to pay my mortgage to somebody, but not being allowed to by a company you have had several thousand complaints filed against but still allowed to do business like this. Thanks to that, several thousand honest, hard working people are having their credit destroyed, their houses foreclosed on and being out through undue stress. Shen will the government hold this company accountable for their unsavory and illegal business practices?

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 2019-03-06 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: MO

Complaint narrative:
I have a U.S Bankruptcy Courts that is reporting on my credit report. I have reached out to Experian on XX/XX/18, XX/XX/18 and XX/XX/2018. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. Experian has yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. Also when asking how they are getting the information. I receive a response that they are getting the information from XXXX XXXX. When I contacted XXXX XXXX they stated that they got the information from Experian. I am getting furious with going back and forth between Experian and XXXX XXXX. This inaccurate information is hindering me from getting a home loan. 

Under the FCRA, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and or judgement all accounts ad public records hat you post o anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

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 2019-03-06 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: TN

Complaint narrative:
XXXX XXXX has a serious delinquency debt on my credit report for {$6600.00}. I disputed this as I have never had a XXXX wireless account. It was not removed. I contacted XXXX. They said the decimal is wrong and they have it for {$66.00}. I told them I have never opened an account with them. They told to call a collections number as sent to an attorney. I called the collections 4 different times now. I sent in the fraud paperwork. They will not return my phone calls or resolve issue. My credit shows history that I dont leave Bill 's unpaid and pay timely. I am seeking help and have tried so many different avenues. It is fraud and I have never used 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 2019-03-06 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: TN

Complaint narrative:
XXXX XXXX has a serious delinquency debt on my credit report for {$6600.00}. I disputed this as I have never had a XXXX XXXX account. It was not removed. I contacted XXXX. They said the decimal is wrong and they have it for {$66.00}. I told them I have never opened an account with them. They told to call a collections number as sent to an attorney. I called the collections 4 different times now. I sent in the fraud paperwork. They will not return my phone calls or resolve issue. My credit shows history that I dont leave Bill 's unpaid and pay timely. I am seeking help and have tried so many different avenues. It is fraud and I have never used 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 2019-03-06 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: TN

Complaint narrative:
XXXX XXXX has a serious delinquency debt on my credit report for {$6600.00}. I disputed this as I have never had a XXXX XXXX account. It was not removed. I contacted XXXX. They said the decimal is wrong and they have it for {$66.00}. I told them I have never opened an account with them. They told to call a collections number as sent to an attorney. I called the collections 4 different times now. I sent in the fraud paperwork. They will not return my phone calls or resolve issue. My credit shows history that I dont leave Bill 's unpaid and pay timely. I am seeking help and have tried so many different avenues. It is fraud and I have never used XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX I received a called from a company called XXXX XXXX and the number popped up a several XXXX United stated they left me a voicemail saying that if I dont pay my debt I will be given papers to show up to court in the next two days. Then 10 minutes later my mother received the same voicemail for me so I call them back immediately. 

I called them and they said I owed Wells Fargo XXXX and if I went to court I could pay up to XXXX in their legal fees unless I settled it on the phone with them with 6 payments of {$160.00}. I made an initial payment of {$160.00} and was suppose to receive and email that I needed to sign that should have contained their information but I didnt so I didnt sign. When I called back asked for their address website anything to check their validity he offered to refund my money and wished me the best of luck and hung up the phone. I received receipts from a company called XXXX XXXX XXXX for the initial payment/payment contract for 6 months and the refund. I asked for their website and he said XXXX and it didnt work. I called back later just asking questions pertaining to them and he said all they had was XXXX. XXXX and their website was XXXX but both sites didnt work. The number I called them from was XXXX and he said his personal number was XXXX his name was 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 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: VA

Complaint narrative:
Account annual fee for the new membership year billed on XX/XX/XXXX. Per established policy according to the bank, a customer has 30 days from when the annual fee was billed to close the account and get the annual fee refunded. I have some family emergency ( spouse delivering baby in XX/XX/XXXX ) and would like an exception from the bank to refund me the {$400.00} annual fee. I requested the closing the account on XX/XX/XXXX, 31 days from the annual fee billing date ( 32 days if the billing day itself is included ). It is just one or two days off.

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