vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 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: TN

Complaint narrative:
Looking at my credit report I noticed I had 16 late payments. Late payments were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this period I had lost my job due to business relocating out of state. Even though I wasnt able to make payment on my loan, would it not be one late payment per month? I have one account number with sequence numbers that fall under the one account number. Unless I have four different account numbers but I can only find one. I've tried to get a goodwill adjustment for my student loans two years ago with no success. I feel that 16 late payments is a little excessive in four month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: TN

Complaint narrative:
Looking at my credit report I noticed I had 16 late payments. Late payments were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this period I had lost my job due to business relocating out of state. Even though I wasnt able to make payment on my loan, would it not be one late payment per month? I have one account number with sequence numbers that fall under the one account number. Unless I have four different account numbers but I can only find one. I've tried to get a goodwill adjustment for my student loans two years ago with no success. I feel that 16 late payments is a little excessive in four month period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I called the Apt that I owe fee of XXXX I asked for an invoice for the charges and they did not have me on file any more due to computer change in XXXX I moved out on XXXX, they gave me the # Pro Collections XXXX XXXX acct # XXXX, I called and spoke with an agent and I asked if we can settle and she no that they do not settle and wanted me to pay in full and I had to pay within 7days and how was I going to pay and I said you are rude and I want to speak with a manager and she said they do not have one! I hung up and was upset

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a " streamline XXXX  XXXX  refinance '' on XX/XX/XXXX with CASHCALL MORTGAGE company located at XXXX XXXX XXXX, XXXX, CA XXXX with XXXX XXXX Loan Agent - Team 7 | NMLS # XXXX, with the knowledge provided to me that I would get a loan between 3.750 to 3.875. They pulled a bait and switch on XX/XX/XXXX ; XXXX XXXX had another person XXXX XXXX speak with me trying to put me in a hire loan rate, telling me the new loan rate would be 5.1 and an investor loan for an owner-occupied property. I asked why when I live in the property. I spoke with XXXX XXXX and asked for XXXX XXXX because I wanted to see if they would remove the hard inquiry on our credit reports since the loan could not be made as informed. XXXX XXXX informed me that XXXX XXXX was gone for the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
After many talks and many attempts to explain that the amount owed is way above of what it should be they still mentioned they can't do anything. I borrowed amd amount and now i owed more then what i borrowed. I attempted many times to work out with the agency and they keep been rude and treat to pay up or they will repo my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
This account is paid in full. Note letter dated and signed showing this account is no longer in collection status but PAID IN FULL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI

Complaint narrative:
This account is paid in full. Note letter dated and signed showing this account is no longer in collection status but PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: SC

Complaint narrative:
I AM EXTREMELY DISTRESSED THAT THOSE ACCOUNTS ARE STILL REPORTING AS DEROGATORIES ON MY CREDIT FILE. THEY HAVE BEEN REPORTING INACCURATELY AND INACCURATE TRANSACTIONS. THEY HAVE CAUSED TREMENDOUS HARM AND HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. PLEASE HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT FILE AND HAVE THEM PURGED PERMENENTLY OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: FL

Complaint narrative:
DITECH FINANCIAL LLC still send me a debt collection when this property is already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: FL

Complaint narrative:
I have requested Experian three times to remove a collections account that was never supposed to be added to my credit report to no avail. The reporting agency stopped reporting this back in XXXX of 2019, but experian is still posting this on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have automatic payments set up. For some reason, they did not get set up properly on one account - BestBuy. It is inaccurate. As you can tell, this one late payment is hurting my personal credit score significantly. I have never missed any other payments. My credit history is fantastic and perfect. I have not missed any other payments ever. Can you please remove the late payment from BestBuy? I have a 99 % accuracy for my payment history. 


1. Best Buy/cbna : Creditor Information. 
BEST BUY/CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX Opened : XX/XX/2018 ( 1 yrs, 5 mos ) Late Payment : XX/XX/2018 for the amount of {$77.00}. Thereafter, I have made 94 % of payments for this account on time. I have contacted the company and disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On the credit report there are to errors..One my name incorrect XXXX XXXX .social security number wrong its showing last four digits are XXXX my social number is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for a basic credit card to reestablish my credit after my bankruptcy. Over time I have built my credit up with Capital One. One day they sent me an email stating that Ive been a great customer and would like to offer me an upgrade of my current card. When you click the link it takes you to Capital One. This is where you can compare cards and offers. I switched my card from the basic one to the Venture One card that was no annual fee, spend XXXX in 3 months get XXXX bonus miles, and 0 interest for 12 months. So over XXXX I spent over the XXXX  and waiting for the rewards to show up on the next statement. To my surprise I didnt see the rewards or the interest savings. I called and they told me that its for NEW accounts only and not for upgrades. It is very misleading considering there was not a benefit for me to change at all. Based on my account history and restoring my credit, I have been very diligent with making sure there are no issues. I have screen shots of the email and screen shots of the card description. Its very misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was given a free account with Equifax as part of their fraud breach resolution. I was on my account and saw that there was no credit score posted. The credit report was there, but no score. I got on live chat with them to see what was causing the problem and they locked me out of my account. When I tried to talk to someone at Equifax to get back in I had to answer a set of questions based on my report. They have all of the basic information correct on me, but when it gets to the questions about things on my report, nothing they ask matches anything from my credit report. Now they are telling me that I have to resend all of the paperwork that I have sent to them about 5 times to get access to my account. Mind you, I had no problem getting into my account until I chatted with someone their live chat service about why my credit score was not showing up. If I can not get into my account, then this is a violation of the agreement set up in place of them compensating me money for losing my information in the breach. Equifax is one sorry company to deal with. I don't know why the federal government has not shut them down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX I received two sets of XXXX modification documents from Ms XXXX XXXX saying Please sign, notarize, and return to us. Because document need to be update. Attached documents of Loan Modification Agreement ( Mortgage ). No copies send to me to this day. 

Clerk of the Circuit Court : Satisfaction of Mortgage was recorded On XX/XX/XXXX from Secretary of Housing and Urban Development. Attached copies Note : Subordinate Mortgage On XXXX XXXX I request HUD Lien released XXXX XXXX XXXX XXXX reply from Ms XXXX XXXX was US Bank recorded two mortgages for the same amount when they did my partial claim. They must have realized their mistake and released the mortgage recorded in error in XXXX. The Subordinate Mortgage is still owing Attached document and FHA Case # XXXX I reached out to US BANK NO ASSISTANCE just phone tag. Why do I have two Subordinate Mortgage with two difference company for the same amount {$1000.00} that why I am filing this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX  send me to collections for an account that is already paid! 

Midland collection Agency called me a few times to try to collect on a debt that is paid off. 

I called XXXX XXXX  and they said the account was send to collections with " Midland collection Agency '' I have called a few times already, to take care of the issue, I dont get any help from both parties. and it shows on my credit as collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: CT

Complaint narrative:
I sent a certified letter to TransUnion on XX/XX/XXXX. It was received on XX/XX/XXXX ( as shown on certified receipt ). While they did remove some of the accounts with violations, TransUnion blatantly ignored several of the inaccuracies and violations which were pointed out to them in said letter. They continued to report the exact same inaccuracies and violations on my subsequent credit reports ( XX/XX/XXXX and XX/XX/XXXX ). Their failure to remove inaccurate information is severely impeding my ability to repair my credit. My credit report is riddled with inaccurate information which they are purposely reporting! I will attach a copy of said letter as proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is showing that I paid XXXX late on XXXX, XXXX and XXXX of 2018 this is no correct. There should not be any late showing on this 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 2020-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I have filed CFPB complaints XXXX and XXXX previously, reporting Portfolio Recovery Associates attempts to intimidate me into paying a debt that is not mine. Their responses, to date, state only that they are doing " what is permitted by law '', and totally ignore the clear evidence that this is not my account and that their notifications have been sent to a different person at a different address. 
I recently received notification that my Credit Score had dropped by more than 100 points, and, upon checking, discovered that Portfolio Recovery Associates has filed an ADVERSE ACCOUNT action in my Credit Report. All this, while clearly knowing that this is not my account and that I strongly dispute their claims. They are attempting to intimidate me into paying {$4000.00} that they KNOW is not my responsibility. Their tactics are clear financial elder abuse, and they should be prosecuted and barred from debt collection in all states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I have recieved my credit report. I have been paying off old debt the past five years. There is a credit card on my credit report from XXXX XXXX. I never  had a credit card from them. The only credit card I had was from XXXX XXXX. I have spoke to my wife about this as well. 

The credit card company listed says I owe {$450.00}. According to the report it states the following Account # : XXXX .... XXXX XXXX XXXX XXXX XXXX, NV XXXX Date opened XX/XX/XXXX First reported XX/XX/XXXX Closed XX/XX/XXXX I have only recieved one bill dated on XXXX Since then this is when I checked my credit report throughhXXXX XXXX  and have stating their was information on my report that was not accurate. To why I have my credit report provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is showing a late on my XXXX XXXX  XXXX XXXX for XX/XX/2017. There should not be any lates showing on my 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 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Syncrony Bank send me to collections for an account that is already paid! 

XXXX XXXX  XXXX called me a few times to try to collect on a debt that is paid off. 

I called Syncrony Bank and they said the account was send to collections with " XXXX XXXX  XXXX  '' I have called a few times already, to take care of the issue, I dont get any help from both parties. and it shows on my credit as collection 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 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has my account with 9 late payments. I have made every single paid every month. I called if as a courtesy they could removed those late payment, since I didnt know what was the exact due date. But a payment was made every month. 
I called Capital One, and they said to call XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My credit is showing Nelnet on my credit as a collection for account number XXXX in the amount of {$840.00} on XXXX. I have called NelNet and they have stated they do not have any late accounts for me and advised me to call XXXX  to which I did and they said that they have no overdue accounts for and I am in good standings with them and they are not showing anything in collects. I need this removed from my credit because I have made all known attempts to find out what it is and how to remove it and neither company has been able to assist me with it and each refers me back to the other company.

Company response to consumer: Closed with explanation