vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Capital One because all three credit bureaus, XXXX, XXXX  and XXXX  deleted the Capital One account. I received an alert today. When I spoke to the bureaus informing them that they deleted the creditor which I paid the account to a XXXX balance, which by deleting the account it decreased my credit score. The 3 bureaus indicated that Capital One deleted the account and they are the ones who have to reinsert the account back to the 3 bureaus. I had previously discussed this issue with Capital One because the account was showing deleted from XXXX, I received an alert about the deletion. Well, instead of reinserting the paid credit card account, it was deleted from all 3 credit bureaus. I called Capital One today XX/XX/20 after speaking with the bureaus and explained to the representative that according to the 3 bureaus that they, Capital One had deleted the account from the bureaus and they stated that Capital 1 had to reinsert. She didnt comprehend what I was stating, therefore I requested to speak with a supervisor. She connected me to an individual by the name of XXXX, who was extremely rude and unprofessional and he did not have a clue whatsoever in regards to what he was talking about. Hes telling me that the account was deleted from the credit reports because of Corvid 19. I stated to him, that had nothing to do with my account. I paid the account months before the Coronavirus and the account reflected a XXXX  balance. I tried to explain to him that the only thing could have possibly been inserted on the credit reports in general was that it was perhaps a notation of a major disaster, and not reporting late payments for 90 days. I tried to tell him that isnt what was going on in my case. I tried to tell him the account was paid out before the coronavirus and there was no need for my account to be deleted and he again said that is why it was deleted. This XXXX character, from XXXX, FL, kept cutting me off, telling me to wait, informing me I dont know what Im talking about, when I was merely trying to explain what transpired. I got upset and raised my voice and informed him, he was no help, extremely unprofessional, hes extremely rude, clueless and I would like to speak to someone else. He refused & nastily said, he could not help me. He needs to be terminated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 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: Los Angeles Collection Service, Inc.
State: UT

Complaint narrative:
Los Angeles Collection Service : This debt is past California 's statute of limitations. I was unaware I owed this debt. However, I had my credit pull in XXXX of 2019 and it was NOT on my credit and it was reported later on in 2019 - Even having been past the statute. I do not owe this debt. This debt needs to be removed from my credit file IMMEDIATELY!

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 2020-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, five years Ago, I was victim of a identity death, someone stole my informations and applied for different credit card and loans that I was not aware about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
The Options provided when making an overpayment are " No, advance my due date by the number of payments I cover '' or " Yes, Bill me for my future monthly payment ''. I wanted to make sure that my overpayment was applied to the principal of the loans I specified, but neither option made it clear how the overpayment would be handled. 

The first option about advancing the due date has an added line that " continuing to make payments will reduce your total cost of borrowing '' which in my opinion has been added to direct more people to click the first option. 

I called Navient XX/XX/2020 and spoke with a representative who did not seem aware of the options and implied that selecting the first option to advance the payments would also apply overpayments to the principal. She escalated the call to a supervisor who explained that the second option " Yes, bill me for my full monthly payment '' meant to apply the overpayment to the principal. I explained that this seemed intentionally misleading and that I would be filing a complaint. I was then transferred again to a special escalation team who said they would document and share my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: NC

Complaint narrative:
XXXX continues to submit accounts that are not on Mater promissory note for dates I was not in school.

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 2020-06-16 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: NC

Complaint narrative:
XXXX continues to submit accounts that are not on Mater promissory note for dates I was not in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: NC

Complaint narrative:
XXXX continues to submit accounts that are not on Mater promissory note for dates I was not in school.

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 2020-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PINNACLE RECOVERY, INC.
State: OR

Complaint narrative:
The company name is Pinnacle Recovery. The latest call came through XX/XX/XXXX at XXXX and again at XXXX. The robo call comes from XXXX and says to call XXXX. 
The company is calling repeatedly trying to reach XXXX XXXX for a debt that she apparently owes. This person does not live here. 
My husband and I have had the phone number since XXXX and no XXXX has ever been associated with our number. I called the number and told them to stop calling as the person has never lived here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: Nelnet, Inc.
State: NJ

Complaint narrative:
My loan was being serviced through Great Lakes and was transferred to NELNET. It seems as though I paid twice the interest that was supposed to be charged and the company can not provide information on how my payments have been allocated over the last year. I was trying to pay more than the minimum payment but it seems like the balance continually remains unchanged. I contacted them twice, was on hold hours each time and continued to get transferred to various departments. I had my financial advisor call and the same thing happened to him, I was eventually told I would be sent a paper with payment allocation information, the only paper I received 6 weeks later listed the total amount of interest paid, which I already knew. I am supposed to pay approximately {$14000.00} in interest and last year I paid {$27000.00} in interest with no way to determine how this number was calculated or see how my payments have been allocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: NC

Complaint narrative:
US DEPT OF EDUCATION continues to provide information to CRAs that is not reflected on Master Promissory Note nor reflects dates of schooling.

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 2020-06-16 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: NC

Complaint narrative:
US DEPT OF EDUCATION continues to provide information to CRAs that is not reflected on Master Promissory Note nor reflects dates of schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: NC

Complaint narrative:
US DEPT OF EDUCATION continues to provide information to CRAs that is not reflected on Master Promissory Note nor reflects dates of schooling.

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 2020-06-16 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX JPMCB Home Lending reported that I was over 30 days late on a loan that was closed in XX/XX/XXXX. Each credit bureau shows different payments. This account has consistently had wrong reported information. I have reached out in the past and also disputed the information but nothing was done. This continues to happen. My credit has suffered enough I dont need false information reported. If they cant get the information correct take the account off my report. My next visit will be an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I found out that I was victim of an identity death and someone stole my information and applied for several credit card and this one was one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I had a XXXX to replace a XXXX in my XXXX. After the XXXX, I had accumulated a significant amount of billing associated with the XXXX, all of which were sent to XXXX XXXX XXXX XXXX, my healthcare insurance company at the time. Unlike everyone else, XXXX XXXX XXXX XXXX ( XXXX ) neglected to submit a bill to my insurance, and a little over 3 years later I received a notification from Capital Accounts LLC that I owed {$8500.00} to XXXX. This was my first ever communication ( to include a bill ) from XXXX. As per Texas Statutes Code 146.001, a heahthcare provider shall bill a patient or other responsible person for services provided to the patient no later than the first day of the XXXX month after the date the services are provided. I have verified with my former plan administrator ( XXXX  ) that XXXX did not submit a claim with them, or with XXXX. Furthermore, Capital Accounts was not able to validate my dispute which was sent via Certified mail within the allotted 30 day time period ( still has not responded with debt validity to date ), and is in noncompliance with the FDCPA for this reason. In addition to stating they did not receive my certified dispute during a phone conversation, Capital Accounts submitted the collections to all three credit bureaus on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
This " Company '', ACE, said they were collecting a debt. They said they would arrest my wages and get a court order from the credit bureau. 
I don't know if it is a scam. I owe money and will pay, but first they said {$2600.00}, then it was {$900.00}, now it's {$300.00}. What do I do? They said to pay via a XXXX prepaid card. They only go to {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Account was on automatic payment like every single card that I own and somehow got a 30 days late. I don't have 1 single late payment in my entire history. When I contacted Citi to rectify this and make sure that everything was fixed they sent me a letter stating that they were unable to locate the credit bureau inquiry. 

Please see screenshots. I need this late payment to be deleted from credit bureau immediately. 

Account 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 2020-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I was granted forbearance due to COVID-19 as of XX/XX/2020. In general, my mortgage statements since then do not make any sense and I am trying to obtain explanations/clarification as I do not feel bookkeeping of the account is accurate. Below are a list of my grievances. I have tried contacting Carrington Mortgage Services several times over the last 5 business days and, each time, am automatically disconnected after a recorded message stating, " We are unable to assist at this time due to large call volumes ''. 

1 ) My XX/XX/2020 statement ( first statement of forbearance ) HAS A LATE FEE OF {$45.00} ON IT. Again, I am in forbearance. 

2 ) The XXXX and XX/XX/2020 statements have a DELINQUENCY NOTICE ATTACHED STATING, " YOU ARE LATE ON YOUR MORTGAGE PAYMENTS. FAILURE TO BRING YOUR LOAN CURRENT MAY RESULT IN FEES AND FORECLOSURE - THE LOSS OF YOUR HOME ''. Again, I am in forbearance. 

3 ) I have been submitting escrow only payments during forbearance ( as I was previously told was acceptable ), however, there have been " unapplied funds '' on both the XXXX and XX/XX/2020 mortgage statements. The most recent statement ( XXXX ) indicates that previously unapplied funds are being applied to principle, interest, and escrow. 

4 ) For some odd reason, both my XXXX and XX/XX/2020 statements show the same amount due ( despite partial payment for escrow only being made ). 

5 ) On XX/XX/2020, I submitted a " forbearance update '' online at the request of Carrington. I received an on screen message which stated that the forbearance was being extended by 90 days. I have yet to receive anything formal stating such and in my online account it still shows as forbearance ending on XX/XX/2020. 

6 ) In early XX/XX/2020, a Carrington rep told me that I would be informed of what options will be available to me at the end of my forbearance period in XXXX XXXX have still not been informed of what my options are at the end of the forbearance period. Carrington has previously told me that I may be required to pay all missed payments at once at the end of the forbearance. Several of my colleagues and friends have told me that their banks/loan servicers have already informed them of what their options will be at the end of the forbearance ( and it's not repaying all missed payments in full ). 

In summary, I do not think Carrington is being honest or accurately maintaining my loan. Quite honestly, I think there is some nefarious activity going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource added an old XXXX bill to my credit that is not mine. I have not received any information from Credence, nor have they attempted to call me. I'm disputing the debt and demanding this be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 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 — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
BBT continues to describe bills that they sent us to pay. We never rec 'd them until XXXX when they sent a letter describing that the the account was 2 months late. We immediately paid off the XXXX $ credit card, BBT refunded the late charges, but still reported us to the XXXX, XXXX  and XXXX. We had XXXX and XXXX credit scores and b/c of the {$24.00} reported to the all credit bureau 's our scores have dropped 100 points each starting a spiral effect of not being able to refinance our home. I have tried on mutiple occasions ( 4-5 calls into customer service, 2 calls and mutiple conversations with my personal banker at BBT and more than 3 internal complaints filed ) to resolve with BBT and not one single individual from their credit department will call me back. I have disputed the information on each credit bureau sites mutiple times. Each time BBT says that they did send me a bill. I never rec 'd a bill to pay. You may look at both my husband and my credit history and never find anything like this to happen before. I DID NOT receive a paper bill to pay despite the ones they say they sent. The credit card department told us that we had seleted paperless billing. We would just like this removed from our 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 2020-06-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have attempted to access my credit file from Experian to place a freeze because someone is using my information. Experian required me to submit documents to prove my name address etc. Which I mailed to them 2018. They responded with a standard form letter saying my case was closed without resolution. I have not been able to access my Experian Credit file and I have fraudulent accounts opened in my name.

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 2020-06-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am submitting this dispute because Equifax Credit Information Services , Inc., credit bureau has violated FCRA law 609 ( a ) ( 1 ) ( A ) ; " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' Equifax Credit Information Services , Inc. has also violated FCRA laws 611 ( a ) ( 6 ) and ( 7 ) ; " As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher ; '' This organization has received my letters requesting that they validate debts that are in question on my credit report. They responded and stated that those debts are accurate information. I disagree completely. None of the debts listed are accurate. I have also exercised my right to request their methods of verification just as the law states and they have continued to violate the law by not providing their methods of verification information within the allowed time frame. 

Copies of correspondence between myself and Equifax, and certified mail time stamps are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: NC

Complaint narrative:
U S DEPT OF ED/XXXX/XXXX  continues to update CRAs with information not on MPN and doesn't reflect school dates.

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