vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please deleted this incorrect information.I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received a call from Capital Accounts LLC threatening to report a {$300.00} debt to the credit bureaus within 3 business days if I did not pay the balance. I had not received any written notice of this debt. When speaking to the rep I replied that I do not owe the debt and there is a 30 day due diligence process before submitting a debt to the credit bureaus. I asked that they please send any communication regarding this debt in writing via mail in which I never received anything via mail. On XX/XX/XXXX received notification that my credit score had dropped by 56 to 72 points. This debt was reported on all 3 credit bureaus. Each month Capital Accounts LLC illegally reports this collection account to the credit bureaus increasing the balance by {$3.00} to {$5.00} dollars a month which decreases my credit score every month. The collection was {$310.00} in XX/XX/XXXX and it was increased on XX/XX/XXXX to {$310.00}. Collection accounts are not supposed to increase or report every month and I do not owe this debt. This company is illegally reporting this debt and they are not registered with the Secretary of State of California to collect in California.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Debt Holdings, LLC
State: TX

Complaint narrative:
I have received many calls, at all times of the day plus yesterday at night from company claiming to be XXXX XXXX XXXX, representing XXXX XXXX XXXX or XXXX XXXX, alledging that I was attempting to commit fraud for a debt that was discharged in chapter XXXX bankruptcy. 

This company has violated the FDCPA as they are attempting to sue for a debt they claim can not be discharged in bankruptcy. 

This company should cease collection activity or I will sue for defermation plus other FDCPA violations. 

This company gave me a bogus claim number XXXX. 

This company will not give any information about itself. Other than name, address only phone number are online. 

This company has my personal information plus other family members of mine. 

This company also contacted 4 members in my family over a debt that was discharged more than once, this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
1. Caliber Home Loans acquired our mortgage loan XX/XX/XXXX from XXXX XXXX XXXX XXXX., XXXX XXXX, California 2. We paid {$2200.00} on XX/XX/XXXX using electronic Bill Pay through XXXX XXXX XXXX XXXX, showing the payment was received and posted through XXXX XXXX XXXX XXXX. TRACER : XXXX CUST CKF : XXXX 3. The payment cleared our account XX/XX/XXXX 4. Received a statement indicating two payments were due so we called the number provided numerous times, but COULD NOT reach anyone to speak to, so we sent a message to Billing and Payment asking about the payment that was not showing up in the online system. We received an answer indicating a response would be received within 5 days, which did not happen 5. We made the XX/XX/XXXX payment of {$2200.00} online on XX/XX/XXXX 6. The payment cleared our account XX/XX/XXXX 7. In XX/XX/XXXX we printed our Form XXXX, which indicates we only paid 1 month of interest, which should have been double that amount.

8. We made the XX/XX/XXXX payment of {$2200.00} online on XX/XX/XXXX 9. The payment cleared our account XX/XX/XXXX 10. We received our first AND ONLY phone call from someone indicating it was a collection call, he was demanding payment over the phone. We told him we had NOT missed any payments and would not provide the caller with any payment over the phone. We tried to call back to reach someone at the Mtg. company but no one would answer, so we sent another message indicating we needed help with our account.

11. We made the XX/XX/XXXX payment of {$2300.00} online on XX/XX/XXXX, which included a late fee of {$78.00} that was placed on the account 12. The payment cleared our account XX/XX/XXXX 13. We sent copies of everything to Caliber which they signed for 3-4-19, and received an answer from them 2 days ago indicating " Caliber has reviewed the documentation provided within your present inquiry and found no evidence that a payment was received on XX/XX/XXXX. '' 14. I had XXXX XXXX research the payment further and have their response with the details of this ACH Payment to Caliber.

This loan is in my husband 's name, but the home is deeded to both of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX a claim was filed on my property for unpaid taxes. As I have never paid a bill late in my life I immediately called the county taxing authority ( XXXX county, PA ) and they advised me that they had received the claim from my local XXXX  ( XXXX XXXX ). I contacted my XXXX and found that they were stating that Wells Fargo had not paid my local taxes in XXXX which I immediately pulled the information online and found it showed {$1200.00} was showing as paid which is an issue as my taxes were {$680.00}. Upon further investigation it has been found that Wells Fargo paid another customer 's taxes with my escrow account, which caused a shortage in my account that adjusted my payment which I have been overpaying my escrow. I was advised 3 weeks ago by XXXX XXXX at wells fargo that this would be resolved the week of XX/XX/XXXX. I had to beg to get my taxes paid and make 11 phone calls to just get my taxes paid. I was informed that I would not need to follow up as this was their error in their tax department and the 8 hours I have spent to beg to get it resolved should not have been necessary. I find that XXXX XXXX is on vacation, the only item taken care of has been my taxes. My payment is still accounting for someone else 's taxes and I have overpaid into my escrow because of wells fargos error and they are still holding onto the overage and have not resolved the issue even after involving the executive team and management. XXXX XXXX has now taken over and offered minimal resolution but a sit and wait mentality- XXXX. His employee XXXX XXXX - XXXX ext XXXX went on vacation when he had promised to call me back to confirm everything was resolved. He clearly knew he was lying and providing a misleading statement when he was not scheduled to work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Aurora Financial, LLC
State: NJ

Complaint narrative:
We bought our house in XX/XX/2018 loan from Aurora finance, We never got any mortgage payment information. On XX/XX/XXXX they emailed us saying the mortgage interest statement was not delivered. they asked as the right address, so we though ok from now we might get all the mails, They still did not let us know the loan was sold to another company, we did not gt any good bye letter from Aurora. 

On XX/XX/XXXX night we get a CREDIT alert for mortgage being added to our credit and late payment. From which we come to know the loan has been sold to XXXX, we call XXXX the very next day and pay the whole amount which was pending. 

Our credit is down by 280  points because of this. 

We have this complaint against Aurora finance for 1> not letting us know the company they sold our loan 2> after learning they had the wrong address they did not let XXXX know about this. 
3> affected our credit score and not taking any action to let us know or clear this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please deleted this incorrect information.I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.I was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please deleted this incorrect information.I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.I was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
Nationwide Recovery Sys Is in violation FDCA by reporting collection for a debt that I was never notified of prior to dispute. 
I was never provided any information Further it is reporting inaccurate information as I have NEVER been to a XXXX XXXX XXXX The account reports I owe {$790.00} Opened XX/XX/2019 Original Creditor KXXXX XXXX XXXX XXXX XXXX I contacted the facility where the creditor is listed and they were unable to locate me or my name. 
My rights were violated please resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I have a Citi Credit card ending in XXXX I have had it for years and have it set up for auto draft through my primary checking. I made an additional payment on XXXX for XXXX dollars, for some reason Citi processed this payment through an old account i keep next to no money in. No idea why it didnt process through my primary account that I have used for every payment for last few years. When my old bank XXXX received the ACH they rejected it and charged me an over draft fee. Citi proceeds to reprocess this ACH every day for last two weeks with it being rejected every day incurring me numerous fees. I have contacted both parties and no one is wiling to help or explain why no one made any effort to contact me over last 2 weeks to make me aware of this issue. I have been charged 4 over draft fees by XXXX and one returned check fee by Citi totaling over 160 dollars. All for one transaction.

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 monetary relief
Consumer complaint received 2019-03-28 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: CA

Complaint narrative:
I have tried multiple times to pull my credit report with multiple different company 's. I have tried to pull my credit report with XXXX XXXX and was receiving dashes for all of the information. I reached out to the three credit bureaus and they stated all of my information was correct. I waited about a week and tried to pull my report through XXXX XXXX again. Now it was reporting information but said it was last updated XX/XX/2018. I reached out to the three credit bureaus again and they stated all of my information is correct I should not have an issue. I waited another week and tried through XXXX   XXXX again and I had a XXXX score with Equifax but showed I have no credit history. XXXX was showing dahes. I had no score with XXXX. I reached out to all three of the credit bureaus again and they stated they have my social and all of my correct information but XXXX XXXX still is not showing me having any credit at all. I have tried to pull my credit report with all three credit bureaus through XXXX XXXX and received an error stating my social was not correct. I contact all three credit bureaus and they stated that my social is correct. I tried XXXX XXXX XXXX more times and was still not able to get any information. Also, I have tried pulling my report through XXXX   and was able to access my report for Equifax and XXXX but it shows I have no credit at all. XXXX would not let me even access my report. I have done contacted each of the bureaus 6 times and still have no information reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Eagle Accounts Group, Inc.
State: NJ

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE XXXX, REPORTING ON : ONLY XXXX 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, XXXX, BALANCE : XXXX, REPORTING ON : XXXX 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX 

ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX 

ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: SC

Complaint narrative:
Contact callers was a collection agency this account was paid in full to XXXX and I contacted them about removing this because this account was paid to the original owner and I have a paid receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had a credit card from Chase Bank for XXXX years paid it and closed the account it was opened in XXXX and closed in XXXX it has been rereported and the history is until XXXX which is false

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
equifax reporting agency reports to my creditors that I have not been paying my bills on time. they have no dates listed which makes it worst for my credit. they even say everything is paid on time, but they left 3 accounts on the negative list even as they say they are paid on time. I have asked them 2 times to correct this with no luck. This has caused my credit to fall to the low XXXX score and cost me thousands of dollars over the last 3years. I have paid my bills on time for many years, paid off over 25,000 dollars in the last 6 months, but still suffer the effects of bad credit everyday due to their mistakes. 
bottom line is I am stuck in a rut because they make no profit from correcting mistakes. .Thank you XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
So on my credit report it has Syncb/ppextr National Credit Card/Airlines. So I called the bank and they told me that then can not find any info under my name or SS # and that they can do anything with it. So I have called all 3 credit report companies and they tell me I need a letter from that bank stating that they dont have any info under my name. And I am done talking the the credit report companies and the bank because none of them can help me. So can you please help me get this off my report. date it happened XX/XX/2017. I have read on line that other people have gotten this on there credit report too. I just want it removed from my credit. 
Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a 30 days late payment XX/XX/2018 XXXX XXXX   XXXX was in shock because I was never late in my payments.The information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
On XX/XX/2018 I received a letter from a collection agency : Harris & Harris LTD for a unusual amount of funds so on XX/XX/2018 I answered the letter with a request for validation for the debt making it very clear it was not a verification of the debt. 

Since this action I had taken I have not heard back from this company in regards to my request to explain the debt and other vital information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a 30 days late payment XX/XX/2018 XXXX XXXX XXXXI was in shock because I was never late in my payments.The information is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been following up with Equifax regarding some incorrect information they are reporting about me. I first submitted a dispute on XX/XX/XXXX, but never heard from them. I sent a follow-up about the issue on XX/XX/XXXX. It is now XX/XX/XXXX and still I have not received any notice of an investigation into the information they insist on reporting falsely.

Company response to consumer: Closed with explanation