vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma, LLC
State: IL

Complaint narrative:
1. ) So XXXX last year I paid off a debt for infinity health care XXXX dollars. The collector is XXXX XXXX XXXX. They did say they reported it but it's still on my credit report XXXX. I filed a dispute but nothing is happening.

This is through credit karma 2. ) Next is XXXX  XXXX XXXX. Again XXXX last year I paid this debt XXXX dollars but still shows on my credit report, XXXX  I believe. 
This is on my XXXX XXXX report through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: Meridian Financial Services, Inc.
State: IL

Complaint narrative:
I had paid in full a time share and the company continues to harass me and put a negative mark on my credit report.

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 2019-04-13 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: FL

Complaint narrative:
THE ACCOUNTS AND INQUIRIES LISTED ARE NOT RELATED TO ME. DUE TO IDENTITY THEFT THESE TRANSACTIONS ARE NOT DONE BY ME.

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 2019-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX, NCB MANAGENT SERVICES INC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX  XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX   XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Unauthorized inquiries on credit report were disputed and were not investigated nor removed. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: GA

Complaint narrative:
Unauthorized inquiries on credit report were disputed and were not investigated nor removed.

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2019-04-13 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: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
I NEED XXXX TO FURNISH THE HISTORY AND ALL TRADELINES ASSOCIATED WITH MY MORTGAGE FROM START TO FINISH. ALSO, MORTGAGE WAS LISTED IN OUR CHAPTER XXXX BANKRUPTCY XXXX, DISCHARGED ON XX/XX/2018. THE MORTGAGE WAS LISTED AS A DEBTORS CLAIM FOR THIRD PARTY AT $ XXXX.IN ADVERSARY PROCEEDINGS AGAINST ALL TRADELINES, ESPECIALLY, XXXX AND ALL INVALIDATED DEBTORS/CREDITORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have 2 credit cards with Capital One, I have credit protection which should suspend my payment for 6 months, which I just called to activate. The agents are documenting inaccurate information, I suspended my auto draft payment and money is still being removed from my account. 

I'm not being giving accurate information about my account. The agents are not notating my account properly, there could be fraudulent activity on behave of Capital One. 

I have video conversation of recent calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I received a notice to answer interrogatories sent by employer. Midland Funding LLC placed a default judgement against me for failing to appear. I never got any notice of this action or it would have been disputed immediately. I went directly to the court house and copied every page in my file. It appears that they have illegally filed default judgements that I was not notified about. I researched this company and the assignees. All of them are defendants to the 42 state law suits filed by FDIC. Reference {$6.00} Million dollar settlement agreement Encore capital group, Midland Funding LLC, Midland Credit Management, XXXX XXXX XXXX XXXX. Improper service, lack of service, affidavit robo signing and much more. I have proof of robo signing in my file. Unsigned affidavits with exact duplicate hand writing that says White House. My neighbors also have white houses. 2 of the affidavits each from different years have White House boldly hand written across the affidavit. My house as addressed was brown This is a provable fact. My husband and I bought the house in XXXX and it had green asphalt siding on it. We installed new brown siding on the house in XXXX and I have pictures of us installing it. It is still the same siding today. The files have absolutely no validating information to verify these debts belong to me, no justification of amounts owed, no original documents pertaining to me, no documentation stating I have any obligations to Midland or anyone else, no timetable of defaults time barring or otherwise. I researched several years of law suits for the exact under handed activities I see happening in my case. I want these fraudulent judgements and impending garnishment vacated and them to cease and desist any further illegal actions against me. The law suits identify several violations including : Encore Capital Group , Inc and its subsidiaries, Midland Funding LLC, Midland Credit Management , Inc were charged for using illegal tactics to collect unverified debts. The settlement resolves a multistate investigation into debt-buying companys collection and litigation practices, including claims that Midland robo-signed and filed affidavits containing unverified and potentially inaccurate information to support debt collection lawsuits against consumers.. The settlement provides debt relief to hundreds of consumers and requires Midland to reform its practices. The lawsuits state Midland violated federal and state laws, including the federal Fair Debt Collections Act. A copy of the settlement agreement is available at : XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13 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: CA

Complaint narrative:
The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. 
For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : 1. XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report

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 2019-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valentine and Kebartas, Inc.
State: FL

Complaint narrative:
I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
DITECH TRADELINE OWES US IN BK CLAIM OF $ XXXX, ADD US TO YOUR DEBT. 

BK NO.XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: FL

Complaint narrative:
THE ACCOUNTS AND INQUIRIES LISTED ARE NOT RELATED TO ME. DUE TO IDENTITY THEFT THESE TRANSACTIONS ARE NOT DONE BY ME.

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 2019-04-13 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: FL

Complaint narrative:
THE ACCOUNTS AND INQUIRIES LISTED ARE NOT RELATED TO ME. DUE TO IDENTITY THEFT THESE TRANSACTIONS ARE NOT DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I always paid my card on time and my credit limit was decreased. I was never late on payments. I received a letter stating that my credit limit was decreased from {$4000.00} to {$2500.00}. This also severely impacted my credit score. 

This was with Barclay ( XXXX XXXX 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 2019-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc.
State: FL

Complaint narrative:
I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13 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: AES/PHEAA
State: WA

Complaint narrative:
My income driven payments were increased in fall XXXX. I tried to apply to a program with lower payments, but was instead given a higher income driven payment. Despite the application online which stated that I would be placed on the plan with the lowest monthly payment. In XX/XX/XXXX, there was still uncertainty about my amount due. As such, I paid the amount on the bill, And rounded up by four cents To make an even amount. In XX/XX/XXXX, I paid the amount that the automated system said was due. I was later told that I was past due four cents. I asked why and how to pay the four cents, but was never given info. A month or so later, I was finally told the payment was short, because the automated system was incorrect because I had rounded up the previous month. I was never Told not to round up payments. I also relied on the information they provided me in XX/XX/XXXX. Im now being told my payment wont count for Public Service forgiveness because of the four cents. I was told by an ombuds I cant ever round up for PSLF payments by an ombuds. I was also told this happens often and that their automated system is often incorrect. I was told the department of education must now make an exception to count my payment for that month, but they do not ever do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/XXXX, I received a letter from the Senior Vice President of Regions Bank FDIC, stating that on XX/XX/XXXX Regions Bank recently discovered that I XXXX XXXX XXXX was charged one or more Paid Overdraft item or Return item fee due to an Operational Error in processing certain merchant Check Card transactions made. He further stated it is possible that Assessing the Original fee may have reduced the Available Balance in my account due to one or more overdraft item or returned item fee, See Exhibit-A. This was Multiple Illegal Overdraft Fees carried out against me, with written Documentation from the Senior Vice President, XXXX 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 2019-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
On XX/XX/19 I started paying to Dynamic Recovery Solutions my debt with XXXX XXXX. They offered me a settlement to pay 4 statements of {$100.00} dollars. I was told that after finishing the 4 payments my debt would be considered payed in full and removed from collections. 
I finished paying the 4th and last statement on XX/XX/XXXX and the debt still shows on collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Claim XXXX Wells Fargo XXXX wellsfargo card claims said I authorized billing charges on my card when I didnt. The car rental was presented the card for insurance to drive the rental car not for billing. They where suppose to charge the dealership under their warranty account as they work on my car. Wellsfargo wont reverse the charges even though the charges were supposed to be charged to the dealership.

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 2019-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/1995. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2019-04-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/29 XXXX XXXX notified me that when we transferred our cell phone service from their consumer department, to their corporate department after formation of my small business, that we had a small balance due. I never received a final bill for the consumer account and was unaware that a balance was due on it. I immediately made a payment of {$180.00} and asked the representative if they would remove the negative reporting from my credit reports. The representative who took my payment confirmed with their supervisor that they would completely remove the collection account from my credit reports, not just update the status to a paid collection. I have disputed this account with the credit bureaus and they refuse to remove it from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
On XX/XX/2019 at XXXX pm XXXX I was contacted by XXXX Bank about a bad debt of my EX Wife and her last known husband. I informed them it has been over 10 years since I have seen or heard from her, and that we were still divorced, and her affairs had no relationship to me. I was advised that I would never be contacted again. 

On XX/XX/2019 at XXXX am XXXX I was again contacted by XXXX  Bank about the account and the individual said they had " no record '' of every having contacted me regarding the matter, and that I would never be contacted again. 

I see a pattern of harassment to extract some monies from me so as to get them to leave me alone since they have been unsuccessful in collection efforts against my EX Wife and her last Known Husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: CORELOGIC INC
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/XXXX. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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