vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MLD MORTGAGE INC
State: NJ

Complaint narrative:
On XX/XX/XXXX I had emailed to MLD Mortgage Inc. that I had prepaid XX/XX/XXXX 1st & 2nd quarter real estate tax totaling {$12000.00} and I also attached proof of payment in the email. I requested MLD Mortgage Inc. to refund the real estate tax I had paid myself because MLD Mortgage Inc didn't have to pay it from my escrow account. I had also repeatedly made phone calls to request the refund, but nothing was being done.On XX/XX/XXXX I was told that the tax refund would be sent out in a week. As of XX/XX/XXXX I checked my escrow balance, MLD Mortgage Inc. has not refunded any extra escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: NY

Complaint narrative:
I got hit with a hard inquiry on XX/XX/2018 from XXXX XXXX. This is fraud and not authorized by me. I never applied for this card or any card on this specific date.

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 2018-06-23 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: CORELOGIC INC
State: NY

Complaint narrative:
I got hit with a hard inquiry on XX/XX/2018 from XXXX XXXX. This is fraud and not authorized by me. I never applied for this card or any card on this specific date.

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 2018-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
recently I received a letter about Substitution of Attorney -- Civil by XXXX XXXX XXXX XXXX, I don't know why I involve to this sue case, maybe it is my 10 years old unpay XXXX credit card bill? I have contact XXXX credit card to discuss about the bill have wrong, and submit letter to credit card company complaints. I also receive a letter about law suit against XXXX XXXX, who try to collect old debt, which XXXX XXXX lost this law suit case. after this, my credit report have remove this negative issue. I don't know why they debt collector take law suit again. please advise me what I should do. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-23 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: GA

Complaint narrative:
I disputed a account and the results was that it was deleted off my credit report, but it is still on my credit report. I want it to be removed soon as possible

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 2018-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
About a month ago, a {$120.00} debt showed up in my credit report. It is called XXXX XXXX XXXX and the original creditor is XXXX XXXX. I am a XXXX XXXX customer, although I have never had any outstanding debt with them. I have never heard of this charge, have never received a bill for it, and I have no idea what it is for. I can log in to my XXXX XXXX account and it shows a {$0.00} balance, and the entire payment history comprises only my regular monthly bills and payments of {$43.00}. There is no record of any {$120.00} bill, nor does any combination of anything total {$120.00}. I called XXXX XXXX, and after a confusing conversation, they looked up some things in their computer and said that the charge was a mistake, and that they would credit it to my account. I did not receive any credit in my XXXX XXXX account, which is OK because there is no record of any debt to be credited, but the amount on my credit report dropped from {$120.00} to {$21.00}. On my credit report, it now appears that I paid the difference ( {$100.00} ), which I did not, because this debt never existed, and this apparent payment seems to legitimize this otherwise completely fabricated debt. I submitted a dispute for each amount but the debt was upheld each time. I still have never received a bill for either amount and have no idea what it is for. My only guess is that XXXX XXXX sold a fake debt to XXXX XXXX XXXX in bad faith as a nefarious means of generating revenue.

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 2018-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andrews & Cox, P.C.
State: IN

Complaint narrative:
I sent a certified letter dated XX/XX/XXXX to the collection agency XXXX XXXX XXXX which they signed for on XX/XX/XXXX to Validate, Dispute, Cease and Desist. They responded with a letter dated XX/XX/XXXX with copies of my itemized medical bill with what I was treated for, the date and how much. Not only did they violate HIPPA privacy laws they also failed to provide me with the original contract bearing my signature that states I owe XXXX XXXX XXXX the alleged amount owed. I replied again with another certified letter dated XX/XX/XXXX which again they signed for on XX/XX/XXXX. They failed to reply back and have filed a law suit to garnish my wages. I found out I was being taken to court through a commercial lawyer letter dated XX/XX/XXXX. I have kept a very detailed file that will show our communication back and fourth. They also have the creditors address listed as my old residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have tried to dispute this item with company informing them this isnt my account and they havent tried to work with me at all wont even talk to be but reporting it on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: GA

Complaint narrative:
My Credit report has been outstanding for the last couple of years as i plan on opening a business soon. I have 2 student loans with XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) and upon contacting them through phone calls couple times, their associate gave me the wrong information misleading me on what i can do. They said that they don't report to credit reporting agencies unless it is over 120 days late. Fast forward to couple weeks ago when i talked to an associate again, i stated that my account is late but i am in the process of apply for a deferment. I specifically asked if i need to make a payment just in case or it will be ok and the associate said that " you don't need to make a payment and we don't report to credit reporting agencies unless it is couple months late and your account still have time so you should be ok '', misleading me with the wrong information again. So i asked again to make sure and the associate states that she is " sure '' meanwhile my wife is with me listening to it as we both made sure the problem is taken care of.. 

I have always paid my bills on time and because of this misleading info. from a poorly trained customer representative, my credit was so badly affected negatively and thus my dream of opening a business soon is hindered. I believe that although i don't have any proof as the communication is through direct phone calls and not email or paper, i should be given a second chance especially since it is not my fault, and that i called in to talk and asked about my loan, i have the intention to pay it, and that my credit history has been excellent. 

Upon contacting Transunion and XXXX XXXXXXXX XXXX, none of the company is willing to resolve my problem. I need help in getting this fixed as it reflects my integrity and trustworthiness as being negative.

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 2018-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have had constant issues with dealing with XXXX XXXX. I have 4 accounts with them and the only one they are messing with is the XXXX XXXX XXXX store card. I am on a deferred interest plan with this card, not any of the others. I make my payments on time, or so I thought. I made a payment on the due date on XX/XX/XXXX. They charged me a late fee of {$27.00} and added a {$2.00} minimum interest fee claiming they received the payment on XX/XX/XXXX. I provided a copy of my confirmation email showing the payment was made in the MORNING around XXXXPT for the card, which is well before the cutoff time for the same day payment. After about 6 messages and several calls to the company, they admitted fault and removed one late fee. They refused to removed the interest charges that THEY caused due to their system mess up. I have repeatedly asked them to remove them and they are ignoring my messages. They won't even acknowledge my attempts to contact them. I received ANOTHER late fee on XX/XX/XXXX and another on XX/XX/XXXX. I was under the impression that my account was on automatic payments, since I called into the company in XX/XX/XXXX and the representative with a woman with a husky voice who got my bank account information and said she set up automatic payments for me. She did not. XXXX XXXX did not address my requests for answers but rather just told me " auto payments are not offered for my account. '' I again requested an explanation and demanded that they pull my call since I now don't know what happened and what that women did with my bank account information, which is a huge liability for me. I demand answers and I demand that those late fees and ALL interest fees on the account be removed immediately and fix the problem with their system and their lying reps! They are demanding I pay the late fees and interest first before anything else even looking at my account. The phone representative would not budge at even going over my account until I paid them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-23 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX ( collection/charge-off ) claim ; this is a blatant error ... I settled this account before it went into collections, yet the bureaus insist on reporting it wrong ... I have contacted the creditor and the creditor concurred and said it is invalid and should not be on my report ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not  be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX ( collection/charge-off ) claim ; this is a blatant error ... I settled this account before it went into collections, yet the bureaus insist on reporting it wrong ... I have contacted the creditor and the creditor concurred and said it is invalid and should not be on my report ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I tried Disputing over 3 times ... Account came back Verified But Nothing Else!! No Agreement or Contract that I Agreed too. No Signature or Anything!!!! Im Asking to Please Delete Immediately!!!! This Collection is Messing up my Credit Badly ... I thought they had to Prove to me which they Have Not Done so what so ever.. Please Delete they have Yet to send in Any Paperwork just Verified

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 2018-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NEW WORLD COLLECTIONS, INC.
State: IN

Complaint narrative:
I sent a certified letter dated XX/XX/XXXX to the collection agency New World Collections which they signed for on XX/XX/XXXX to Validate, Dispute, Cease and Desist. They responded with a letter dated XX/XX/XXXX with copies of my itemized medical bill with what I was treated for, the date and how much. Not only did they violate HIPPA privacy laws they also failed to provide me with the original contract bearing my signature that states I owe New Worlds Collections the alleged amount owed. I replied again with another certified letter dated XX/XX/XXXX which again they signed for on XX/XX/XXXX. They failed to reply back and have filed a law suit to garnish my wages. I found out I was being taken to court through a commercial lawyer letter dated XX/XX/XXXX. I have kept a very detailed file that will show our communication back and fourth. They also have the creditors address listed as my old residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I received a re-investigation from Equifax. I requested that XXXX XXXX XXXX ( XXXX  ) reporting be verified. The date of the last payment is not reported. The months reviewed is not accurate. I am requesting the method of verification. Equifax is reporting this account without a date of last activity, therefore Equifax is re aging this account. This account has passed the 6 years statute if limitations ( SOL ) in  Tennessee. Equifax continues stating the account date of last activity is verified yet left the information blank on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have a Citibank Student loan account on my credit report that continues to lower my score and I have never received any letters or notification about this, it has just appeared on my credit report. The student loan in question is past the statute of limitations, but hasn't appeared on my credit report before this.

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 2018-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I contacted Capital One by phone and mail in order to remove all negative payments from my account. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My Barclay Rewards Master Card ( ending in XXXX ) has been chargeoff on XX/XX/XXXX. I was contacted by the collection Agency for Barclays Card XXXX for a settlement of 42 % of the debt balance being {$3600.00}. I made payments of the settlement amount totaling XXXX, XX/XX/XXXX being the last payment amount. The account has been settled in full with XXXX and was told that Barclay Bank Delaware would update the settled status. However looking at my Transunion report the account just shows the recent payment of XXXX and the account is listed as charge off, It should have a balance of XXXX dollars and be settled, and no longer delinquent. Barclay Bank is not reporting accurately even after making my settlement amount. XXXX has collected the whole settled amount for Barclay Bank but Barclay Bank is not reporting the correct status even after payment reception.The account settled in full and no longer delinquent and I am no. longer obligated to any debt with Barclay Bank.

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 2018-06-23 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: ERC
State: NY

Complaint narrative:
My XXXX Rewards Master Card ( ending in XXXX ) has been chargeoff on XX/XX/XXXX.  I was contacted by the collection Agency for XXXX XXXX ERC for a settlement of 42 % of the debt balance being {$3600.00}. I made payments of the settlement amount totaling XXXX, XX/XX/XXXX being the last payment amount. The account has been settled in full with ERC and was told that XXXX Bank Delaware would update the settled status. However looking at my Transunion report the account just shows the recent payment of XXXX and the account is listed as charge off, It should have a balance of XXXX dollars and be settled, and no longer delinquent. XXXX Bank is not reporting accurately even after making my settlement amount. ERC has collected the whole settled amount for XXXX Bank but XXXX Bank is not reporting the correct status even after payment reception.The account settled in full and no longer delinquent and I am no. longer obligated to any debt with XXXX Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation