vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have call XXXX, XXXX and XXXX to let them know I was pair of they error in there system the representative told me I was not part of the error the representative from XXXX  hung up the phone in my face they remove the inquires off but they put them back on I am also have been a victim of identify where I had a fraud alert on my credit to state that and the representative didnt seem to care

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Capital Funding, Inc.
State: IA

Complaint narrative:
My wife and I have a home built by XXXX XXXX XXXXXXXX. Everything with our mortgage was through the office in XXXX XXXX, IA where we have paid our mortgage since XXXX. In XXXX of XXXX we received a letter from Affiliate mortgage services. The letter stated that they were our new loan holder. We called XXXX XXXX XXXX XXXX XXXX and was told by XXXX XXXX that they hired XXXX to do the book keeping. This is when our issues started. Right away we started getting letters ( Every Week ) stating that we were in default. We tried reaching out to XXXX with no success. It was everything from the name not being on the account, name was wrong, not authorized to speak to us, etc. They put forced placed insurance on us in XXXX without talking to us ( We have had XXXX XXXX for years and are completely up to date ). Then sent our insurance company a letter stating that they would be taking over our insurance. This resulted in three months going by with no payments made. We had to catch up last month ( Over {$700.00} to get current ) for the payments missed by XXXX. We are also receiving letters saying we are in default. Letters stating everything from {$95.00} to {$1800.00} behind. We are actually paid in advance by almost seven months. We have sent copies of all checks sent to XXXX by our bank ( We make our mortgage payments every two weeks directly form our bank account ) Bank records were sent to XXXX by our bank and us. Now habitat for humanity has disaffiliated the XXXX XXXX office in XXXX XXXX due to their numerous issues. We are being told that the XXXX XXXX office chose to keep their assets? Now today we just received another call from XXXX telling us that we are in default. I tried to explain the issue but was hung up on by XXXX. I called back and was told that they will call us if they can not get everything straight. We are not in default. Our lawyer noticed that they have put forced place insurance on us again and recalculated our escrow to be more than our mortgage payment. We have paid our own insurance since the beginning. We have documentation showing this. We are up to date with our payments for insurance, mortgage, taxes, etc. We have our bank records to show this as well. All of our payments are sent directly from our bank. Our lawyer suggested contacting you for help. Please give us a call so we can explain everything in greater detail Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: LA

Complaint narrative:
I am completely unaware of this collection agency. I was never notified about an attempt to collect a debt. The debt has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: SC

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Paramt Rec I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: TX

Complaint narrative:
My cards locked cant do anything with it

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 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian credit report was accessed on XX/XX/2020 as indicated by a hard credit inquiry by XXXX XXXX XXXX. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the Experian credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved 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 non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have ask the three credit bureaus to verify the accounts on my report by showing me a contract bearing my wet ink signature or what laws they have used under Title 15 u.s.c.1681 to verify the accuracy of the trade lines on the report. I have received no response in writing as requested and they continue to report the inaccurate information. This is a direct violation of my consumer rights under Title 15 U.S.C. 1681 as willful noncompliance.

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 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am having issues with unrecognized accounts and information appearing on my crdit file. I want to block my XXXX XXXX, Corelogic, XXXX credit file and I like a PIN number for the safety and security of my personal information. Please send me a FULL REPORT OF MY CLUE FILE ( XXXX XXXX ), and a FULL REPORT FROM CORELOGIC AND 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 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am having issues with unrecognized accounts and information appearing on my crdit file. I want to block my XXXX XXXX, XXXX, Innovis credit file and I like a PIN number for the safety and security of my personal information. Please send me a FULL REPORT OF MY CLUE FILE ( XXXX XXXX ), and a FULL REPORT FROM XXXX AND INNOVIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
In anticipation of selling my vehicle ( XXXX XXXX XXXX ) that was leased with Kia Finance, I made some advance payments in XX/XX/XXXX, thinking that those payments would be immediately applied against my Lease balance. I subsequently determined through conversations with Customer Service Reps that any advance payments made on a Lease are not applied, but rather remain in a " Suspense '' Account. Amounts are only withdrawn and applied to the Lease balance as payments become due. Upon learning this, I contacted Kia and requested that they refund all of those advance payments, but subsequently only received checks totaling {$6000.00}. I subsequently sold my vehicle to XXXX and the lease with Kia was paid off on XX/XX/XXXX. As of that date, Kia Finance still owed me {$1900.00} as a result of those adbance payments I had made back in XX/XX/XXXX. I have made numerous contacts to Kia, and each time I call, they inform me the refund is still pending, and all they can do is send an email to their " Payment Processing Center. '' Everytime I call the response is exactly the same. As of today 's day, it has been more than 4 months since my Lease was paid off, and I still haven't received my refund of {$1900.00}. I am incredibly frustrated and feel totally helpless. Kia Finance operates with impunity, and apparently never even responded to a XXXX XXXX XXXX Complaint I had previously filed. 

My Account # is : XXXX The vehicle description is : XXXX XXXX XXXX The lease date was : XX/XX/XXXX The company name is : KIA Finance The company address is : Kia Motor Finance XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX The phone # is : XXXX My name is : XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, FL XXXX My phone # is : ( 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 2021-04-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I couldn't afford my payment so I tried to refinance but they wouldn't allow it so I had to make payments as I could afford. They called me nonstop, using aggressive tactics, they've called me, my parents, my husband, my in-laws, my work. They leave a voicemail at my work every single day. I sent a cease and desist letter 9 days ago and they received it 3 days ago but have continued to call me every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
At time share meeting XXXX XX/XX/XXXX, American Express XXXX XXXX XXXX application included for payment of downpayment on property. I applied for card at that time, and was approved, but did not use the account. Card arrived to my home in CA but was never activated. I was billed XXXX $ annual membership fee despite never activating or using account. I notified Am Ex in writing to cancel account, XX/XX/XXXX, but bill continued to come. In XX/XX/XXXX, I called agent who stated I was obligated to pay only XXXX $ for 1 month of membership prior to written cancellation. I tried to do this on phone that day but it took too long, as account had been cancelled and he could not easily find. I sent XXXX $ check in billing envelope with Am Ex receipt that same day. It has not yet been cashed. 
This account has been sent to collections, damaging my credit report and preventing my home refinance. 
When called againXX/XX/XXXX, Am Ex XXXX, stated that by applying for card I was obligated to pay the whole annual fee, whether or not card was ever activated or used and this was in the agreement I signed. I have subsequently found that agreement and see no indication of this. It states obligation begins when card is " used or activated ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Credit Management is reporting an erroneous debt on my credit file that I do not owe. I have been disputing this account with them because they keep calling to try and collect on an account that I have already paid! When I received my 30 day right to dispute I immediately called and settled the debt to avoid it from reporting on my credit file. This was a joint account between my wife and I and my wife ended up paying this account but when I looked at my credit this debt was reporting?! This account is paid! Not only that it was paid before it reported on my file so this must be removed immediately. I am also aware that while this account is under investigation you may not report any negative information on my credit file. If you continue to report invalidated information under review this can constitute fraud under both federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
Recently had a creditor ( Credence Management Resource, LLC ) added to my credit profile. Upon research, they are a debt collector representing XXXX. I had XXXX since XX/XX/XXXX. I ended up purchasing a new phone/equipment and financed it. My end date was XX/XX/XXXX. I paid and since I ended my contract, I decided to go with another carrier XXXX. I called XXXX to get my balance and they provided it and I advised that I was leaving and to make sure there was no balance once paid. I had the conversation recorded as well. I paid the balance off in XX/XX/XXXX in the amount of {$260.00}. 

I sent a certified letter twice to Credence and provided them all of the paperwork and the original contract along with bank statements. They in return sent me a bill from XXXX dated XX/XX/XXXX for {$130.00} with a different phone number that I never had nor know anything about. I obtained service with XXXX the same month ( XX/XX/XXXX ) I cancelled with XXXX. They still have this on my credit and have not provided me with a contract or anything to show that I signed up for an account with that number. I have provided them with everything to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 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: NC

Complaint narrative:
I have been the victim of identity theft. The offender used my credit to make alot of inquiries and open up fraudulent accounts. These are the inquiries : XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX/ XXXX XXXXXXXX/ XXXX- 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 non-monetary relief
Consumer complaint received 2021-04-23 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: SC

Complaint narrative:
XXXX is posting fraudulent information on my account. The missed payments is hurting my credit, and I want the account to be removed. Equifax is the only bureau that has this on my account. XXXX and XXXX did their investigation and deleted it. The account was paid off in XX/XX/XXXX by XXXX XXXX ( XXXX ). XXXX can't provide proof of all of my previous payments. They reopen my account to make it seems like I am making payments. Please help me to remove this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RevMD Partners, LLC.
State: SC

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Revmd I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: The CBE Group, Inc.
State: OH

Complaint narrative:
They call me morning night they wont stop i have asked them to stop calling because im handling all my debt but they wont they even called my afooted mother when im with my birth mother and i told them that im not here and hell call when hes back to help stop but 30 mins later they call again hope this helps if not ill go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Earnest Inc.
State: IA

Complaint narrative:
I couldn't afford my payment so I tried to refinance but they wouldn't allow it so I had to make payments as I could afford. They called me nonstop, using aggressive tactics, they've called me, my parents, my husband, my in-laws, my work. They leave a voicemail at my work every single day. I sent a cease and desist letter 9 days ago and they received it 3 days ago but have continued to call me every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CORELOGIC INC
State: FL

Complaint narrative:
In the last few months I'm getting application letters denied by requesting credit cards that I haven't applied for and that affects my credit. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and Credeco/ 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 2021-04-23 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: FIRST PORTFOLIO SERVICING INC
State: UT

Complaint narrative:
Vervent is report a debt on my credit file that I do not owe. I recently checked my credit and noticed that this debt is still reporting on there but I have received letters stating this debt isn't owed and that they would be removing all negative information from my credit file. This account however, continues to report on my credit. This must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: AZ

Complaint narrative:
I received an email last week stating that I had a debt of {$670.00}. Which is owed to the department of Treasury. 
I have zero knowledge of this debt. 
I file and pay my taxes on time every year. 
I can not get anyone at the department of Treasury to respond to my request and I have no idea what this is. 
What is my next level of escalation on this issue?

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 2021-04-23 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: Synovus Bank
State: CA

Complaint narrative:
I have called twice today to make a payment and was told that I have to call back because the " system is down ''. I asked whether my account would be noted with the fact that I have called twice and been told to " call back in an hour ''. I was told no that I would simply have to call back.

Company response to consumer: Closed with explanation