vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: VA

Complaint narrative:
XXXX of XXXX XXXX  has been reporting incorrect information to my credit report since his company acquired my loan back in XXXX. I have spoken with him and other employees within his company and nothing has been correct. Back in XXXX XXXX has requested a garnishment of my wages. The court case was in XXXXXXXX XXXX XXXX and one check came the day after the court date and he refused to go to the court to pickup the funds. So they were sent back to my employer and then back to me. Just recently he took me back to court again to garnish my wages for the same amount that he refused to pickup after the clerk of court reached out to him to make him aware that the payment came in right after the court hearing and was dated within the garnishment dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On or about XX/XX/2017 I notified Bank of America about fraud on my account, XXXX XXXX XXXX XXXX Bank of America claimed that the charges were valid because of an inconsistency, that the card that was reported was used was the AU card and not the primary card holder. 

Despite numerous, calls and letters Bank of America has not provided documentary evidence to support their claim. I asked for receipts from the merchants but BOA refused to provide them.

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 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Random account appeared in a collections account from XXXX. I have never done business with XXXX, and have no correspondence from any company by that name. Submitted dispute online through Equifax on XX/XX/2018, on XX/XX/18 I received an email stating that my dispute has been completed. When I attempted to log into the account, once I entered my information, I received an error stating my session had timed out and I must re-enter my information. After re-entering, it told me that the information entered in does not match records and was unable to access the results of the dispute. I called Equifax for an update on the confirmation number XXXX, and they told me that a dispute was never filed. When they opened the confirmation, they said it was only a consumer statement was added. Was advised that I would need to submit another dispute over the phone with Equifax. 
I also disputed this information with XXXX, and received the confirmation email also on XX/XX/2018. Today is XX/XX/18 and I have yet to receive a resolution on this dispute. It seems like these credit reporting agencies have no one else holding them accountable for following through with these complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: FL

Complaint narrative:
Contacted Experian via written correspondence and phone. They are STILL reporting invalid addresses on my credit report that needs to be deleted

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 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX has an account opened on my credit report and I dont know why it is there. The account was opened on XX/XX/2016 and the amount is {$560.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have put a fraud alert, on my credit report. I have inquiries on my credit report for, accounts, that I don't have. Never applied for and I never authorized, to have my credit pulled. 

Experian credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. 

XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX : XXXX XXXX XXXX  XXXX XX/XX/XXXX ( bank credit card ) XXXX : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX XX/XX/XXXX ( credit card ) I also have a address at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is not a address, I live at or have lived at. This is someone else 's address, not my address.

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 2018-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Random account appeared in a collections account from XXXX. I have never done business with XXXX, and have no correspondence from any company by that name. Submitted dispute online through XXXX  on XX/XX/XXXX, on XX/XX/XXXX I received an email stating that my dispute has been completed. When I attempted to log into the account, once I entered my information, I received an error stating my session had timed out and I must re-enter my information. After re-entering, it told me that the information entered in does not match records and was unable to access the results of the dispute. I called XXXX for an update on the confirmation number XXXX, and they told me that a dispute was never filed. When they opened the confirmation, they said it was only a consumer statement was added. Was advised that I would need to submit another dispute over the phone with XXXX. 
I also disputed this information with Transunion, and received the confirmation email also on XX/XX/XXXX. Today is XX/XX/XXXX and I have yet to receive a resolution on this dispute. It seems like these credit reporting agencies have no one else holding them accountable for following through with these complaints.

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 2018-04-24 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: WV

Complaint narrative:
Transunion and/or XXXX  and/or XXXX have failed to address the issues on my credit report as follows : 1-XXXX XXXX and XXXX funding are both reporting collections for XXXX XXXX ; thereby there are two collections regarding the one XXXX ... acct. 

XXXX XXXXt and XXXX XXXX are one and the same company ... .when I called and told them about this ... .each rep hung up. 

XXXX XXXX and XXXX XXXX are both reporting collections for XXXX XXXX, which was charged off/tax deduction by XXXX/tax deduction NO CONTRACT ... .therefore there can be no collections ... .much less two in one companies collecting 2XXXX XXXX and XXXX XXXX each too, fall under the FRCA ... no contract/no debt,

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 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: LA

Complaint narrative:
Complaint against LOANDEPOT.com I have been sending checks to pay my mortgage since XX/XX/2018 ( for the months of XXXX, XXXX and XXXX ) and they never get cashed. I also signed up twice for bank auto-payment and I get kicked a letter letting me know I got out of the auto-payment system a week later because they argue the name of my bank account is not the same as the name on my mortgage, which is not true. 
Now I am getting late fees and the only way to pay is by calling on the phone, getting an assistant and giving my card information. I am not able to do this every month because I travel a bit for work. 
I have called the company Loan Depot.com on several occasions to solve this, the assistants say that I am simply not sending the checks ( and implying I am lying about payments ) and that they can not do anything for me. 
Also, now I am not sure who to pay the mortgage and the lapsed payments because I got a letter saying my loan has been sold. 
LoanDepot 's inability to cash my checks and keep me on the bank autopayment system is going to affect my excellent credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: LA

Complaint narrative:
I sent a debt validation letter to Franklin Collection Services XX/XX/XXXX. They responded XX/XX/XXXX saying that " per my request here is a copy for a final bill '' ( See attached ). 

That is NOT sufficient validation of me owing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I was contacted by Phoenix Financial Services on my business phone during business hours. They called serval times and hung up after each ring. They asked that I verify my personal information, I refused and asked that they verify who they are and why they are calling. The rep refused to provide any details about the company. He stated that I owe a medical bill to them but would not give me any information about the alleged debt or the medical facility where the services were provided. ( I owe no one! I have Insurance that covers all my medical needs ) He mentioned someone else 's personal information mixed with some personal identifiable information of mine. This sounds like a merge of information!! I'm not sure. I don't know who Phoenix Financial Services are AND I've seen where they have been sued many times for their deceptive and aggressive collection practices. I will report them to any and every platform. ( XXXX ) ( XXXX ) ( CFPB, YOU GUYS ) and the ATTORNEY GENERAL. As I have RIGHTS as a consumer! ( FDCPA ) ( FCRA ) ( FTC )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
My dispute is contract was cancelled. No Contract

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 2018-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
OnXX/XX/XXXX i refinanced my home with Flagstar bank. It is a VA loan. Right at that time the VA who i get XXXX payment from withheld multipke months of payments which caused me to become delinquent pn my loan. I started working with a rep at the company XXXX XXXX. I filled out loan modification packets, sent letters of explanation, bank statements, pay stubs etc. I have sent over 5 packets. Last XXXX they said i would be approved finally. They said my payment would go up by XXXX ( XXXX to XXXX ) my interest rate by 1 % and principle by 20k+. I questioned the rate and the rebp XXXX XXXX at this time said he would check. I never heard anything back so i called on XX/XX/XXXX. At that time XXXX said the loan mod was denied. Said the loan had to have 12 months of payments for the va to approve. I contacted XXXX XXXX at the VA who informed me that flagatar just needed to submit to VA and they would approve. Which she tried to contact the company and didnt hear back from them. I wrote an appeal letter immediately and sent the form plus another loan mod application in. Once again didnt here anythimg foe awhile. Finally when i called they said it was approved but at the higher rate and payment. They also said i haf 14 judgements in the property all in someone else 's name. They are still trying to figure that out. The housr was built in XXXX and i bought it in XXXX. There was only 1 other person that owned the home for like 6 months and that peraon was a female with a name not even close to mine. I got in touch with someone at the presidents office XXXX XXXX. He said he would look into it. He said he was going to run a title search. I asked why that would not have been done when i refinanced. Couldnt give me an answer. How could i have bought the hime and refinanced twice and this issue hasnt come up. I have NO judgements against me. I did not have a problem paying my mortgage before. Thr VA is now paying my full XXXX % XXXX payment. I talked to XXXX XXXX again a week ago. He said he wouldnt do anythi g about the rate. He tried to blame the va for my increased interest rate. When i asked why it has taken months to process my loan modification he said that i hadnt turned in complete packets. 2 outright lies. That is what is so upettting is that they have delayed ao long it is impossible to pay the delinquent payments. I was told when i started my payments would ramp up when approved. None of which is happening. I feel they have delayed the process so long and to increase my paymwnt right off the bat with less than a month to pay is rediculous. They are making money off of this misfortune. I have sent them EVERYTHING they have asked for. I have been in constant contact with XXXX XXXX ( XXXX ). I have emailed all of my packets, letters, bank statements, pay stubs so i have all the documentation.

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 2018-04-24 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: NC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to all three credit bureaus requesting that they investigate errors that appeared on my credit report. I had no problem receiving a timely response from XXXX and XXXX XXXX, but Equifax still has not responded. They are supposed to respond within 30 days, but we are now going on 3 months without any response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I received the credit report from XXXX and I do not think it is correct. Based on the report file # XXXX it was filed in 2013 it was charged by XXXX XXXX XXXX a balance {$260.00} I did not know until I received the report in details. I do not agree with the facts because I was XXXX XXXX XXXX and I was under my parents coverage I believe this was paid by insurance. However why I was be charged for this? I could not visit doctor even I have health insurance? Any thing they should contact my parents who are insured. I am innocent. I am seeking the fairness, please help Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: LA

Complaint narrative:
I have put a fraud alert, on my credit report. I have inquiries on my credit report for, accounts, that I don't have. Never applied for and I never authorized, to have my credit pulled. 

XXXX  credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. 

XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ( bank credit card ) Transunion : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX  XX/XX/XXXX ( credit card ) I also have a address at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is not a address, I live at or have lived at. This is someone else 's address, not my address.

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 2018-04-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have put a fraud alert, on my credit report. I have inquiries on my credit report for, accounts, that I don't have. Never applied for and I never authorized, to have my credit pulled. 

XXXX credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. 

XXXX XXXX XX/XX/XXXX ( finance reseller ) Equifax : XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ( bank credit card ) XXXX : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX XX/XX/XXXX ( credit card ) I also have a address at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is not a address, I live at or have lived at. This is someone else 's address, not my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
CBNA- They did a hard pull on XX/XX/2018. XXXX XXXX XXXX says 1. CBNA-CITICARDS CBNA Ibs Cdv Disputes XXXX XXXX, SD Affected by natural or declared disaster I have not idea what this is? as we did not open a new account with CITI or applied to a new card.

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