vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
CALVARY SPV 1 LLC SUED MI IN COURT CASE # XXXX XXXX XXXX.THEY USE EVIDENCE PROVIDED BY XXXX XXXX . THEY COULD NOT PROOF THEIR CASE AND REQUESTED THE COURT TO DISMISS THE CASE BEFORE COURT DATE. SEE EVIDENCE ATTACH. THE CREDIT LAW STATED THAT IF FURNISHER OF CREDIT CAN'T PROOF OR VALIDATE THE ACCOUNT. THEY CAN'T REPORTED TO THE CREDIT AGENCIES. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT. 

ACCOUNT NUMBER ENDING IN XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Trans Union are reporting a collection with an incorrect balance of {$9000.00}. The high credit, balance and past due amount are all incorrect. I bought a car from XXXX and voluntarily turned this car in and it was sold at auction. I was told that I would be responsible for the remaining amount AFTER the auction price was deducted. XXXX XXXX XXXX now owns this debt and they will not give me an itemized statement showing what the balance should be. In addition, the date of last activity is far older than the 2014 date. This {$9000.00} collection is harming my score and keeping me from improving my credit. Please remove this from my report or update the correct balance. In Texas the laws are : Deficiencies In the event a car owner voluntarily returns the car to the lender, the lender is still entitled to file a lawsuit to collect any deficiencies that may result from the repossession. A deficiency is the difference between the amount the car owner owes on the car and the total amount the car actually sells for at auction. Lenders who sue car owner 's for a deficient balance after a voluntary repossession may also collect other fees associated with the repossession of the vehicle such as sale preparation costs and legal fees.

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 2019-08-28 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:
ALL 3 " CRA '' CONTINUE TO REPORT INCORRECT DATA VILATES FCRA PROVISIONS 604,605,607,611 AND 623..NOT MY ACCOUNTS ON FILE ... XXXX   XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX  '' ... REMOVE AND CLOSE OUTDATE OVER 7YRS, NOT MY ACCOUNTS, AND ID FRAUD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
My loan to value ( XXXX ) is currently at 75 %. I contacted this company to remove my private mortgage insurance since I am still paying when I no loner required to do so. I previously requested removal of PMI which has not occurred. As a result, I would like it immediately removed and reimbursement of the all PMI since XX/XX/2018 ( when my loan was transferred ). This company continue to state that it takes time or they haven't received my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I am a XXXX year old widow, I was notified by People 's United Bank XXXX CT about four weeks ago that I had a matured CD and that if I took no action by XX/XX/XXXX that it would be sent to the State of NH. I had totally forgotten this CD, partially because I have not received any correspondence " forever '' - found out it was open XX/XX/XXXX as a 24 month CD with the XXXX XXXX ( defunk ) XXXX. I am not sure how long People 's has had the CD, it may have gone thru two or three other ( defunk ) banks? 
I live at my current address in XXXX, NH and have lived in XXXX my entire life ; providing change of address information to the XXXX, some four years ago. If People 's  had attempted " at all '' prior to this time, I am assure communication would have been made. 
On Saturday XX/XX/XXXX ; I and my brother in law XXXX XXXX XXXX ; who is typing this, is authorized to act on my behalf, went to the branch bank on XXXX XXXX, XXXX NH. 
We talked with XXXX, gave her the XX/XX/XXXX letter I received ; she was only able to supply very limited information. 
CD opened XX/XX/XXXX for {$21000.00} maturity XX/XX/XXXX and that " last year '' it earned XXXX {$95.00}! 
I asked what was it's value " today '' and she responded {$26000.00} I told her I wanted to close it out, she said would have to be by check. 
She prepared a check, and I do believe she had me sign a form. 
Put the check in an envelope and we left to deposit at XXXX XXXX. 
It was at that time XXXX XXXX saw the check was only for {$25000.00}! 
He called People 's XXXX asked why was ~ {$800.00} less than the amount she had said was today 's value, she said was Penalty for early withdrawal and that it is an amount established by the Bank and she had no control over it. Told her not satisfied, she offered no further assistance or to talk to a Bank Manager. Told her I would report to the NH Banking Commission, which led me to you. That has been the extent of working with People 's Bank, thinking best to turn this over to authorizing agency. 
I don't understand how this CD has been rolled over 6/7 times with no authorization by me. I don't know why there has been no letters/communication. I don't understand why there would be an {$800.00} penalty at this time, certainly would consider a ~ {$100.00} penalty. I have a copy of the XX/XX/XXXX letter and of the check, not sure if I will be successful in attaching. I do not know why you do not require my personal ( name etc ) information in order to properly address this issue. I have no objection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-28 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:
ALL 3 " CRA '' CONTINUE TO REPORT INCORRECT DATA VILATES FCRA PROVISIONS 604,605,607,611 AND 623..NOT MY ACCOUNTS ON FILE ... XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX '' ... REMOVE AND CLOSE OUTDATE OVER 7YRS, NOT MY ACCOUNTS, AND ID FRAUD

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 2019-08-28 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: GA

Complaint narrative:
ALL 3 " CRA '' CONTINUE TO REPORT INCORRECT DATA VILATES FCRA PROVISIONS 604,605,607,611 AND 623..NOT MY ACCOUNTS ON FILE ... XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX  '' ... REMOVE AND CLOSE OUTDATE OVER 7YRS, NOT MY ACCOUNTS, AND ID FRAUD

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 2019-08-28 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: KY

Complaint narrative:
The bill was not sent to me for several months ; the number on the bill does not match the credit card number. Also, payments applied from my checking account were deducted from my checking account and were not credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Manhattan Beach Venture, LLC
State: RI

Complaint narrative:
On XX/XX/2016 an individual contacted me via telephone stating he worked for student loan relief/Obama forgiveness program. The representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included a contract from Manhattan Beach Venture LLC stating that they will start taking {$39.00} dollars out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for XXXX  XXXX   whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down to avoid others being affected by this scam and get my money back. I do not want someone else to be scammed by this company. I have attempted to contact this company directly and have been unsuccessful with numerous attempts

Company response to consumer: Untimely response
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AR

Complaint narrative:
Received debt collection in the mail from a debt collector for a utility company that we never had an account with. I called the utility company to see if the account was valid and it was not. They said dont even use that debt collection agency. I called the debt collector back and they kept transferring my call and giving me the run around when I told them the account is invalid and that I never had an account with the utility company. According to the debt collection letter they sent me in the mail it will go on my credit report if not resolved within 30 business days. I just want to get this cleared up and to stop these fraudulent people for taking money from myself or anyone else.

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 2019-08-28 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX  XXXX XXXX has expunged the records re. my fraudulent amount owed/civil suit and still not refunded by money due, almost 10 years per my recent XXXX letter and their reponse dated XX/XX/XXXX. Incidentally the account no. is reference incorrectly as XXXX. 
Audit previously submitted to you, recent laptop spreadsheet hacked into and numbers changed via XXXX? stream laptop connection not mine. I have an XXXX. Reported to Midland Credit Management website and XXXX County Sheriff and FBI voicemail today. 

This appears to be a continuing ring around the rosey/russian roulette of escalated/debt errors not addressed, debts turned over wrongfully and change of CEO and company names. This has happened for XXXX, XXXX, XXXX XXXX XXXX and XXXX. How do they keep on getting away with this? I expect suspects are using my own financial resources to pay for taxes on my paid for home. Targets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio recovery is damaging my credit. I do not owe ally financial any money. I already filed a claim against the car dealership and was able to get my down payment back. I returned the car less than 3 weeks because of it being defective. They are disgusting pests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested the removal of inquiries that appear on my credit report that are unauthorized due to identity theft, I filed a police report upon discovering the inquiries and I've disputed them with Transunion via certified mail twice. They have failed to remove them and therefore have failed me in protecting my credit.

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 2019-08-28 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: CO

Complaint narrative:
Capital One Venture One Visa Card. I have all of my credit cards set up for automatic monthly payments through my XXXX XXXX  account. Somehow, Capital One attached a Capital One checking account that I have not used in a couple of years for my automatic payment, even though I entered the XXXX XXXX information. On XX/XX/2019 the withdrawal was denied because there were insufficient funds. I did not receive a notice from the Capital One Visa card or the Capital One bank. On XX/XX/2019, they attempted the withdrawal again. I found out via a phone call at the end of XXXX that the card payment was over 30 days past due. I promptly set up the correct account over the phone and asked if the late fee could be reversed since I was never notified. I also asked that it be cleared on my credit report. I was told it was over 30 days past due. 
In XX/XX/2019, I sent a letter to all three credit bureaus asking that this item be investigated, as it was an error on Capital One 's end - I never attached that Capital One bank account for automatic payments. All three bureaus reported the issue was investigated and nothing changed on my credit report. As a result, my credit score has plummeted from XXXX to XXXX then went back up to the mid 600s, where it remains now. Two of my creditors closed my accounts immediately. Four of them reduced my available credit immediately. One raised my interest rate. This has resulted in further dropping my score as my percentage of used credit has increased. Capital One then changed my minimum amount due from {$53.00} per month the {$270.00} per month. In XXXX, I wrote a letter to Capital One asking that this item be corrected. There has been no response. Now I am receiving invitations from Capital One to take out an auto loan. It is as though they have destroyed my credit for their benefit. I have not had a late payment in the past 7 years. I would like to have this item removed from my credit history. Please help in any way you can. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX SUED MI IN COURT CASE # XXXX XXXX XXXX.THEY USE EVIDENCE PROVIDED BY GE CAPITAL . THEY COULD NOT PROOF THEIR CASE AND REQUESTED THE COURT TO DISMISS THE CASE BEFORE COURT DATE. SEE EVIDENCE ATTACH. THE CREDIT LAW STATED THAT IF FURNISHER OF CREDIT CAN'T PROOF OR VALIDATE THE ACCOUNT. THEY CAN'T REPORTED TO THE CREDIT AGENCIES. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT. 

ACCOUNT NUMBER ENDING IN 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 2019-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I was told I would receive monthly bills on XX/XX/XXXX. No bills have come to my home mailbox. I called and was told because I used the banks bill pay feature, I would have to contact the bank. I called the bank. Called back BMW asked to speak with Manager his name is XXXX same line about calling the bank. Told him I called the bank. Told him I have another checking account and may wish to write a check from that bank. Same deal. Nothing no customer service whatsoever total incompetence from BMW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RSH & Associates, LLC
State: OK

Complaint narrative:
RSH & Associates showing a collection opened XX/XX/XXXX, however, the are not showing a date of last activity, however they keep reporting it monthly even though it is over 4 years old.  The date of last activity needs to be shown.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-28 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To XXXX, Equifax And XXXX Dispute Department, I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. On the next page I have included a screenshot highlighting in yellow each violation as proof. Please Update the following to Paid As Agreed Immediately. 

Update XXXX XXXX XXXX to paid as agreed/never late because of multiple inaccuracies. 1. In the " Payment History Sections '' of the listings. XXXX and XXXX is reporting that I paid in XX/XX/XXXX. However Equifax is reporting that I am 30 days late. How could this be? 2. In the " Last Payment sections '' of this listing. XXXX and XXXX is reporting ( XX/XX/XXXX. ) as my last payment. However Equifax is reporting ( XX/XX/XXXX ) my as last payment. 3. In the " Open Date Sections '' of this listing. XXXX and Equifax is reporting ( XX/XX/XXXX. ) as of the date the account was opened. However XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. These dates are inconsistent. Don't you get your information from the same company? 

I take this matter very seriously. 
" Iv'e included my Dispute Letter with Proof highlighted in yellow and a copy of my State Drivers License and Social Security Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To Equifax Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX because in the high balance section of this listing it is reporting ( {$3600.00} ) which is Less Than the Original Balance of ( {$3600.00} ). How could this be? The " high balance '' can not be lesser than the original balance. Please Delete! 

Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Credit card bill number does not match my credit card number. The payments that I had made were deducted from my checking account but not credited to the credit card payment. In addition to this the mailing address of the credit card bill does not match the mailing address of the Macy ' s Department Store for my billing.

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 2019-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Home Depot credit card number on bill does not match my Home Depot Credit Card number ; address for the payment to Home Depot is not a valid payment address. Payments that are made are not credited to my bill but they are taken out of my checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation