vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-29 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: NV

Complaint narrative:
I have been battling to fix my credit report, after someone used my identity to open up accounts under my name. I have been battling with all there credit companys to remove accounts, and improper information on my credit report, and or, late payments that I clearly have shown to all there credit reports over and, over again since XX/XX/XXXX. Also there is incorrect address 's, and incorrect hire date for my job, and it is not being taken care of. I have credit inquires that are still being ran in my name, after I sent told each credit company I been a victim of Identity theft, and sent a police report, and Identity theft report, but still I have over 16 credit inquires not done by me, that XXXX Equifax XXXX will not remove. Mt student loans on all accounts have never been 90 day late or late ever. They have been in admin forbearance, and are due to be discharged. However when I was given a letter by XXXX stating that my loans have never been late I sent this to all there credit companys, and they will not remove the late payments from my record. As of todayXX/XX/XXXX my credit report still shows late payments, and 16 inquires, and incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently disputed a mistake on my credit on transunion the account name was " XXXX XXXX XXXX XXXX '' it was removed.but the company is reinserting the credit report with my concent but transunion is not putting it back on.it 's showing that I don't have no credit, I have been trying to resolve it for the past four month and it's affecting me in my day to day life. I have attached documents proving that the creditor sent the reinsertion form.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made XX/XX/XXXX.

I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX Capital One sued me and took me to state court. I fought the alleged debt because i was not sure what it was or why they were suing me. I went to court and the lawyers for Capital One were not able to provide proof of a contract or account statements showing what was purchased. I won the court case and i have a judgment in my favor against Capital One. Now this year in XX/XX/XXXX Capital One sent me a XXXX  IRS form claiming that i owe taxes of {$25000.00}. This is an outrageous claim i already won this case in court. Now they are stressing me out even more after i have had to fight this frivolous claim and was stressed out and it took a huge emotional toll on me for over a year. This is not acceptable and i already sent a certified letter to the CEO of Capital One. They responded that they will not alert the irs of the fraudulent information they have supplied to them. This is their last chance to fix this issues before i turn this over to the United State Attorney General and file a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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:
In XX/XX/XXXX the XXXX XXXX, FL courts order XXXX XXXX   to remove the debt they had reported on my credit profile to be removed. I contact Equifax three times and provide documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All three times I received notice that they could not remove this debt off my profile. WHY! I have a court order stating it needs to come off. What else do I have to do to resolve this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On six different occasions, I have disputed information with EXPERIAN that is not correct. I even sent them the information from the other two reporting agencies showing them that Experian 's info is incorrect and  that I was a victim of identity theft, that I have never been late on my accounts, and that all of these reportednames they have on file ARE NOT ACCURATE!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
this account has been in collection for years but still reports as an open account.. it's also showing payments being paid on time for the last 3 years then XX/XX/2018 it shows 120 days late. 3. also they haven't responded to my request for validation 4. this is an closed collection account still reporting a balance for XXXX. there should not be an account balance reporting on a closed 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 2018-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I deposited 3 USPS Money Orders to Capital One Bank. The total was XXXX. One USPS Money order for {$500.00}, and two for {$1000.00} each. On XX/XX/XXXX I recieved a charge back for {$1000.00} and the bank says that one of the money orders was counterfiet. I verified the serial numbers by calling USPS and they confirmed the serial numbers were in the system for the correct amounts. When I deposited my 3 money orders I verified the hologram and the security markings on the money order before depositing. The bank is refusing to acknowledge that they made a mistake and classifying my money order as counterfiet and is refusing to provide me with the original money order for {$1000.00}. Instead the bank gives me a legal photo copy of the money order with the words COUNTERFIET written on it. They are refusing to look into the matter further and are unwilling to fix their mistake. I know the money order was real. They wont disclose why they think the money order is counterfiet are not unwilling to help with the matter. I have tried talking to serveral supervisors in customer service as well as the legal team and no one can explain to me how the money order was flagged as counterfiet. I am out XXXX due to this mistake on their end and they are not working with me to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: Army and Air Force Exchange Service
State: GU

Complaint narrative:
XXXX  consistently fails to list my Army and Airforce Exchange Service Military Star Card credit account onto my XXXX  credit report. XXXX non compliance with the creditor lowers my credit score. I have reapetedly contacted the Army Air Force Exchange Service Military Star card program to complain about this and the Creditor has assured me that they have consistently reported my Army Air Force Exchange Service Military Star card credit account to XXXX. XXXX  has failed to comply with the creditors request. I plea for immediate relief from XXXX illegal unfair pattern and practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NY

Complaint narrative:
I was involved in a malicious wounding crime in XX/XX/XXXX that resulted in numerous medical bills. The judge ordered all medical bills to be paid by the guilty party. The bills were being charged to the victims protection fund at the time and being paid by them and then ultimately charged back to the guilty party. This bill was charged to me and was still paid by the victims protection fund, but sent to collections in XX/XX/XXXX and still shows on the collections portion of my credit report. This debt was not mine and was still paid. It should have never been sent to collections and should have never been assigned to me by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Terrill Outsourcing Group
State: CA

Complaint narrative:
Dear Sirs : On XX/XX/XXXX, I have received a notice of debt owed from a debt collection company ( XXXX XXXX XXXX XXXX XXXX ). My issue is that I have not received any prior notice of debt default to my knowledge ; and, the debt notice from XXXX XXXX did not explain the : 1 ) the nature of the debt, 2 ) when it was incurred, 3 ) to whom it was incurred, 4 ) any evidence that I incurred such debt ( document copies ). The letter was simply a demand for payment.

I am providing notice early as this problem likely resulted from an " identity theft '' that occurred on XX/XX/XXXX. My last experience with XXXX took about 5 months to resolve, numerous written correspondences and a lot of personal time.

Thank you for your time in reading this correspondence.

Sincerely, XXXX XXXX XXXX XXXX Cell Attached Info 1. Police Report, dated XX/XX/XXXX

2. Probation Hearing Report of 1 suspect, dated XX/XX/XXXX.

3. Copy of Debt notice, dated XX/XX/XXXX.

4. My response to Superlatives notice, dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
My XXXX XXXX XXXX was repossessed in XX/XX/XXXX. I was notified that the car had been sold to another person but the balance still remains the same from the beginning of my contract inXX/XX/XXXX per my credit reports. My reports also show that the account was closed in XX/XX/XXXX but I made a last payment inXX/XX/XXXX Overview You've paid off 8 % of the original amount.

Balance {$10000.00} Highest Balance $ XXXX  Monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs ) Term 51 months Payment History Last paymentXX/XX/XXXX Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Dispute resolved ; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX See an error?

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX.

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX the XXXX XXXX, FL courts order XXXX XXXX   to remove the debt they had reported on my credit profile to be removed. I contact XXXX  three times and provide documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All three times I received notice that they could not remove this debt off my profile. WHY! I have a court order stating it needs to come off. What else do I have to do to resolve this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have repeatedly sent out complaints about XXXX collection agency. Texas requires all collection agencies attempting to collect debt or reporting on consumer reports to have a surety bond on file with the secretary of the state of Texas. XXXX ( XXXX XXXX XXXX ) does not have an active surety bond filed. The results of my complaint are on file with the XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) is the company filing on my credit file. I Have Filed a complaint with the XXXX XXXX XXXX Of Ohio, as well. I have also filed a fraud complaint with the attorney general of Texas, after a follow up call with the XXXX XXXX   XXXX of Texas. All of these actions have taken place between XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
I have been disputing this very old debt on my credit multiple times. They have not provided any proof of the debt or a copy of the contract or deficiency balance to determine the account is reporting accurately. I do not agree with what they have reported and they won't respond to me. They have violated 15 USC 1692 FDCPA and 15 USC 1681 s-2 FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I previously lived at a community due to a divorce I moved out. I turned in my divorce decree and the filed and signed one after stating that I was no longer living at the apartment and therefore will assume no responsibility to that address. My ex spouse stayed, I am not sure how long. Hunter Warfield appeared on my credit in late XX/XX/XXXX I believe. Never before had it appeared NOR had I received any letter from the community or I would have had it addressed and corrected. Hunter Warfield wont give me details on the debt. They claim they did not have that document I sent it to them. they stated they needed to speak with the community. The community states they are under new management and can not locate my file. I have been stuck in limbo with both companies since they can not file a file. I have supplied the information I have that is legal documentation stating only my ex spouse is at the apartment and only he is responsible. The collection agency wont answer my calls and just email me with a generic email stating they are investigating. This has been since late XX/XX/XXXX and the debt is illegally still on my credit report! Please help me remove this debt I do not owe. I can provide this legal documentation if needed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 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:
Experian is reporting two accounts ( XXXX  XXXX & XXXX ) that are not mine and they are obsolete. I have requested for them to remove the old accounts from 2007 which they are now 11 years on my credit file. There is no payment history to start a statue of removal from last payment history date. Then, I have requested since you have refused to remove the two obsolete accounts from XXXX, I requested on several occasions a Method of Verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) for verified disputes and it has not been provided by Experian. They only follow up by sayng they disputed. I am again asking for the two obsolete XXXX accounts to be immediately removed and if Experian does not I am again requesting the Method of Verification for the two accounts. I am also requesting the name, address and telephone number from the original creditor, in which they claimed verified I should not have to seek legal representation to remove this account that Experian is within the guidelines of removing the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: GA

Complaint narrative:
On XX/XX/XXXX I received a notice that my mortgage had been transferred. I received a 7 page mailing. My mortgage was auto paid and I did not understand that the actual payment location had changed as well. I continued to make my mortgage payments though the auto payment system. At no time was I ever contacted or informed that there was any issues with the payments. 

On XX/XX/XXXX I received a letter from my original lender stating that my XX/XX/XXXX payment was returned and they would no longer accept payments. On XX/XX/XXXX I received a late notice from the new lender stating that late charges were assessed to my account. After I called and verified the account I paid the lender immediately ( XX/XX/XXXX ). 

Evidently the payments were being forwarded from one lender to the other and I was never contacted or informed that there was any issue with the payment or the transfer process until XX/XX/XXXX after the 60 day grace period was over. This notice should have came before that so I could have cured the issue and avoided these fees. 

I contacted both lenders several times and explained that I paid the mortgage on time and in good faith, that is was returned and that I disputed these charges. Their response was disappointing. They claimed that they had no duty to inform or contact my at any time as to the payments or issues with the transfer of the loan. 

I believe that both lenders has a duty to keep me informed during the transfer of any and all issues that may affect the standing of the loan. They should have a duty to make both live contact and written correspondence of these actions and let me know what is needed to remedy them. They should have process in place to deal with the situation of delinquent payments AND payments being forwarded during a transfer. They did not make any contact with my during the first 60 days of the transfer and was to their advantage. I would have been a simple fix had I received this same information in advance. 

The lenders failed to keep me informed, took actions without keeping me informed and only after the 60 day period was over did they contact me about the payments.

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