vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My attorney sent letters to all three agencies and none of them have responded. My credit score should not be as low as it is because using any algorithm with duplicated information is not going to be correct scoring process. I am discriminated in my housing and multiple things that use my credit score to make you qualify has caused me great hardship. I might even end up homeless because of their unfair practices of reviewing the credit reports timely.

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 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My attorney sent letters to all three agencies and none of them have responded. My credit score should not be as low as it is because using any algorithm with duplicated information is not going to be correct scoring process. I am discriminated in my housing and multiple things that use my credit score to make you qualify has caused me great hardship. I might even end up homeless because of their unfair practices of reviewing the credit reports timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My attorney sent letters to all three agencies and none of them have responded. My credit score should not be as low as it is because using any algorithm with duplicated information is not going to be correct scoring process. I am discriminated in my housing and multiple things that use my credit score to make you qualify has caused me great hardship. I might even end up homeless because of their unfair practices of reviewing the credit reports timely.

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 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Central Credit, Inc.
State: CA

Complaint narrative:
My name Is XXXX XXXX XXXX and I had recently filed complaints on XXXX-18 XXXX and on XXXX18 complaint # XXXX against Continental Central Credit in reference to annual fees owed to XXXX XXXX XXXX XXXX XXXX in NV As a result of the complaints Continental agreed to settle in the amount of {$3100.00} to be paid on or before XXXX18. I was contacted by XXXX XXXX XXXX XXXX XXXX advising they where pulling the account out of collections with Continental Central Credit and that they agreed to cancel all fees if I paid them {$2500.00} So I paid XXXX XXXX XXXX XXXX XXXX on XXXX18 for the amount of {$2500.00}. Per my first complaints Continental had been placed on notice meaning they where not to call me @ all, I received two calls from them today XXXX18 CID XXXX between XXXX XXXX and XXXX XXXX they left one message stating they where trying to collect a debt. Under FDCPA they are in violation for one they called my cell # XXXX when they where told not to call me 2nd I paid the debt with original creditor XXXX XXXX XXXX  XXXX XXXX. Under FDCPA two party 's are not allowed to collect on the same debt and I paid my debt with XXXX XXXX XXXX XXXX XXXX XXXX amount of {$2500.00} on XXXX18I don't not want Continental Central Credit calling my cell, they are to contact XXXX XXXX XXXX   XXXX XXXX. Per FDCPA guidelines Continental Central Credit already violated my rights and I will seek legal council specially if this continues Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wanted to know how my BK chp XXXX was reported and who reported it OR who verified my BK. I wrote each bureau, the BK court and submitted a dispute. The BK court verified with me in a letter that they did not submit the BK info to ANY bureau. I do understand that this is public information but I want to know WHO verified my BK and WHO reported my BK to each bureau. All each bureau will tell me is the information is correct. Well it isn't. I received a letter from XXXX that stated, " A change was made to the Item based on your dispute ''. The court type was missing. So without a Court Type and reporting, wasn't this erroneous reporting? There is also one account on my report that is 13 years old that I have requested to be removed. It was included in the BK but not removed. My main complaint is : tell me WHO verified my bankruptcy and WHO reported it. Why was the Court Type not listed on my BK? Why is there an account still showing on my report, and is still showing in bankruptcy? My bankruptcy is over 8 years old. This communication with me and the bureau 's has been going on for 2 months and I have yet to receive an answer. My request is to have the BK removed as it has been over 8 years. After my research, nothing I have found states that a BK WILL stay on the bureau 's for 10 years. Everything I'm finding states the BK MAY/CAN stay on the bureau 's for up to 10 years. Where is the break? I think 8+ years is long enough. I have proven my new credit options with timely repayment and with no definitive answer from the bureau 's, incorrect reporting with the court type, I'm asking for the BK Chp XXXX to be removed from all three bureau 's. Please let me know should you need copies of the letters or additional information. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am paying my student loans off, but other creditors are claiming that I have loans for them that do not belong to me. I spoke with the lenders and can not get a sufficient resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Innovate Managed Holdings, LLC
State: TN

Complaint narrative:
Innovate Auto Loan bought my loan from XXXX XX/XX/2018. Both XXXX and My innovate loan  and XXXX XXXXXXXX XXXX are reporting on my credit like I have 2 loans on ONE CAR. The payments i made to XXXX this year stopped reporting after XX/XX/XXXX. They need to be updated and the account needs to be closed. My Innovate loan is NOT reporting my current auto payments to the credit bureaus accurately they have my current monthly payment listed as {$390.00} a month its actually {$360.00}. They just updated my credit report to ONLY reflect the month of XX/XX/XXXX but made it seem like i made a {$500.00} payment only. I have made I have paid XXXX. + plus some bogus fee for them to take my payments every 2 weeks. So far I have paid a total {$1000.00}. I have called them multiple times my last call was to them today where i was advised they will not be reporting XX/XX/XXXX payment until XX/XX/XXXX with no explanation as to WHY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
an account was opened by my estranged father XXXX XXXX XXXX dob XXXX ss XXXX i never opened or authorized this account. I dont own a business and a simple search before opening this account they would see that im not an owner or officer, i am a XXXX XXXX who makes XXXX per year, this account was opened wo my authorization knowledge and permission, they know this capitalone, they know that an account that was issued in my name was NEVER used and only the XXXX since that they should know this is fraud, i contacted them several time complained about this fraud and XXXX XXXX XXXX ext XXXX from cap one since he found me responsible which is false, I NEVER OPENED OR USED THIS ACCOUNT i NEVER authorized this business account since i dont even own a business, i filed a fraud report with ic3.gov as instructed by my local police department

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JMD,LLC
State: CA

Complaint narrative:
I spoke to your company before and informed you that I am in dispute with the medical service provider and that you needed to validate this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION.. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you and provide a detailed, plain and simple list ( not coded ) of any and all services or a line by line itemization report of charges. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. If so please delete from collection. I've had insurance for past 10 yrs. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wanted to know how my BK chp XXXX was reported and who reported it OR who verified my BK. I wrote each bureau, the BK court and submitted a dispute. The BK court verified with me in a letter that they did not submit the BK info to ANY bureau. I do understand that this is public information but I want to know WHO verified my BK and WHO reported my BK to each bureau. All each bureau will tell me is the information is correct. Well it isn't. I received a letter from TransUnion that stated, " A change was made to the Item based on your dispute ''. The court type was missing. So without a Court Type and reporting, wasn't this erroneous reporting? There is also one account on my report that is 13 years old that I have requested to be removed. It was included in the BK but not removed. My main complaint is : tell me WHO verified my bankruptcy and WHO reported it. Why was the Court Type not listed on my BK? Why is there an account still showing on my report, and is still showing in bankruptcy? My bankruptcy is over 8 years old. This communication with me and the bureau 's has been going on for 2 months and I have yet to receive an answer. My request is to have the BK removed as it has been over 8 years. After my research, nothing I have found states that a BK WILL stay on the bureau 's for 10 years. Everything I'm finding states the BK MAY/CAN stay on the bureau 's for up to 10 years. Where is the break? I think 8+ years is long enough. I have proven my new credit options with timely repayment and with no definitive answer from the bureau 's, incorrect reporting with the court type, I'm asking for the BK Chp XXXX to be removed from all three bureau 's. Please let me know should you need copies of the letters or additional information. 

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 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wanted to know how my BK chp XXXX was reported and who reported it OR who verified my BK. I wrote each bureau, the BK court and submitted a dispute. The BK court verified with me in a letter that they did not submit the BK info to ANY bureau. I do understand that this is public information but I want to know WHO verified my BK and WHO reported my BK to each bureau. All each bureau will tell me is the information is correct. Well it isn't. I received a letter from XXXX that stated, " A change was made to the Item based on your dispute ''. The court type was missing. So without a Court Type and reporting, wasn't this erroneous reporting? There is also one account on my report that is 13 years old that I have requested to be removed. It was included in the BK but not removed. My main complaint is : tell me WHO verified my bankruptcy and WHO reported it. Why was the Court Type not listed on my BK? Why is there an account still showing on my report, and is still showing in bankruptcy? My bankruptcy is over 8 years old. This communication with me and the bureau 's has been going on for 2 months and I have yet to receive an answer. My request is to have the BK removed as it has been over 8 years. After my research, nothing I have found states that a BK WILL stay on the bureau 's for 10 years. Everything I'm finding states the BK MAY/CAN stay on the bureau 's for up to 10 years. Where is the break? I think 8+ years is long enough. I have proven my new credit options with timely repayment and with no definitive answer from the bureau 's, incorrect reporting with the court type, I'm asking for the BK Chp XXXX to be removed from all three bureau 's. Please let me know should you need copies of the letters or additional information. 

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 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Applied and was approved for a Bank of America Cash Rewards credit card early XXXX. 
Noticed today i was unable to login to my online banking account. 
I noticed this without receiving any prior notification from BoA. 
Had to call the Account Closures team to learn that my account had been shut down as a " business decision '' by Bank of America. 
I have XXXX dollars in cash rewards from using the card as a sign up bonus. This cash reward was also taken back by the 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 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2010, I sent Capital One {$200.00} for a Prepaid Capital One Master card. Capital One have been falsely reporting to the Credit Agencies that I have a credit account with them. Over the eight ( 8 ) plus years I've had this Prepaid Card the Maxium amount I could use is the amount I put back on the card each month. How is this credit if I'm using my own money? What RISK is Capital One taking? And what protection I have as a Consumer when Capital One report to the Credit Agencies that I didn't sent them my money to put on a Prepaid Card each month and these Credit Agencies are recording this False Negative information and lowing my Credit Score?

This is like if I do not deposit money into my checking account the bank will report me to the credit agency. My compliant is that Capital One have caused me harm with this false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concentric Receivables Management, Ltd.
State: FL

Complaint narrative:
I have on my credit report bill from XXXX XXXX in the amount of XXXX at XXXX XXXX on the date of XX/XX/XXXX and on the date of XX/XX/XXXX Emergency room from concentric receivable I have had Medicaid since I was a baby was a XXXX XXXX XXXX XXXX and have had Medicaid my while like and a new law had past that medical bills should not show up on my

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: GA

Complaint narrative:
The problem is actually very simple. We have two credit cards. a personal card with a credit limit of {$19000.00} and a business card with a limit of {$29000.00}. This gives a total credit limit of {$48000.00}. Each month our total balance for both cards is approximately {$10000.00}. Both Equifax and XXXX, according to XXXX XXXX, calculate the balance to limit ratio and If this number is over 30 % it is a " high impact '' factor for determining the credit score. This would be fine except that each month the " limit '' number used is shown as {$19000.00} instead of {$48000.00}. The " balance '' number used is always the sum of that of both cards, usually around {$10000.00}. $ XXXX {$19000.00} = 51.3 %, well over the 30 % guideline. The actual number should be, of course, $ XXXX {$48000.00} = 20.6 %, well under the guideline. It should be noted that we pay each card off completely every month so that in reality our " balance '' is XXXX. We haven't paid any interest charges in years. In any case I would simply ask that the proper number showing the sum of the limits of both cards be used in the calculation. The system for resolving disputes with these companies is very opaque and seems to allow only the most determined to make any progress. Thankyou for your kind attention in this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
The same Company called XXXX XXXX XXXX ( XXXX ) /XXXX  XXXX XXXX ( XXXX  ) keeps reporting false reporting that's affecting my credit. I am no longer the co-signer of any private loans serviced by XXXX. These loans were included in my Bankruptcy and also listed as a " Charge Off ''. I would like for this company to stop selling the loans to collections agencies regarding loans that are no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Company closed my account on XX/XX/2018 by phone. I then received a letter that it has been closed and was mailed a check for XXXX. Please tell them to stop contacting me and close my account as they said they did. I want to ensure they close it and stop bullying me or I will seek civil action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
We took out a mortgage on our home with Regions Bank XX/XX/XXXX. They applied the PMI Insurance because we did not have 20 % down. The purchase price of our home was {$220000.00}. We financed approximately XXXX.. 

We have paid down our mortgage in the last two years and now owe XXXX..  Regions Bank refuses to remove the PMI Insurance unless we pay {$420.00} to have the home appraised. 

We received correspondence from Regions Mortgage on XX/XX/XXXX, that the loan to value of the original home value must be 80 % or less to cancel the PMI. We are currently at 47.6 % and they refuse to cancel the PMI. 

In the same correspondence they stated that the PMI will automatically terminate on the day the principle balance of the loan is scheduled to reach 78 % of the original loan value.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2018, an alleged fraudulent letter was received from an XXXX address claiming to be XXXX XXXX XXXX XXXX XXXX XXXX. City regulations require law enforcement to render assistance to a citizen without the possibility of payment. Ex-spouse neighbors, Business Partners, past acquaintances or Financial institutions or XXXX XXXX associates surfing the web discovered the incident and drafted a ponzi letter. On XX/XX/2018, attacked by ex-spouse I fled the scene to a convenient store who called the XXXX XXXX XXXX XXXX. They responded after the XXXX Sheriff Office called who observed my serious injuries. I was taken to XXXX XXXX given pain medications released and XXXX XXXX XXXX without due process @ XXXX XXXX XXXX. My ex-spouse and I was XXXX and released the next day. 
I called the alleged collector @ XXXX and stated that the circumstances surrounding the incident yet she requested I supply additional info. Since being terminated without cause as an associate with XXXX XXXX 's identity theft I've received hundreds of collection letters!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL 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