vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-13 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wess Fargo closed a credit card for lack of use, No Foul. then sent a derogatory report to experian credit co. I asked the Wells Fargo why they did this, they could not give me an answer. soon after this my credit score plenished. my american express account was lowered from XXXX XXXX to XXXX XXXX. My cap one account was suspended. I wish to file a complaint on both companies. would you provide the name of a good lawyer to look into 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 2019-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC.
State: MI

Complaint narrative:
I called Kondaur Capital Corporation to make a payment over the phone. I said that I would only be able to make one payment. I owed the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment. I explained that I could only make one payment. The lady put on hold and a man picked up I explained once again that I could only make one payment and late fees, he refused to except my payment he said I was over 90 days late, I explained that I was not and that I would not be 90 days past due until XX/XX/XXXX. He still refused to allow me to pay over the phone. So I would like to file a complaint against Kondaur Capital Corporation. I facing some hardships but I am doing my best and do not believe this fare treatment. I did overnight a payment on XX/XX/XXXX through The U S Postal Services

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: CA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX XXXX and 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 2019-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
Ive sent a letter to this company a few times requesting validation of the debt they are reporting, not verification. They continue to ignore my request of the proof of me having any obligation to pay them. I asked that they provide a signed agreement or any other supporting documentation that binds me to them and they have not. Im requesting that this debt be deleted with the credit bureaus but this company continues to report delinquent information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 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: CA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX and 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 2019-02-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I have been in constant contact with my Lender regarding my VA 1st Lien Mortgage since last XX/XX/2018. When my Mother passed away I had to help cover the burial and funeral expenses since no one else in my family was financially sound. I tried several times to be proactive and ask if I could defer a payment or two to the back end of the loan to help pay for the funeral and not deplete my 401k, they would not do anything because I was not delinquent. 
I had a XXXX XXXX XXXX this past XX/XX/2018 and was ONLY receiving XXXX and it wasnt enough to cover the mortgage or living expenses. I had XXXX XXXX drain my retirement, checking, savings, childs college funds, just to try and stay current on the mortgage. But with no luck I fell behind and made several calls ahead of the 30 day late mark and I kept getting trashered to different departments and every single person told me the same thing. Watch the video on the homepage and then call us back, so I watch the video regarding hardships and the documents needed to upload so I call them back and they transfer me again several times just to tell me I need to upload XXXX paystubs and an expense report. At this time already having a 30 day late the representative told me there are no options available for me since I am only 1 month behind and foreclosure process does not start until Months 4-6. I dont want to get that far behind and have a NOD filed it the foreclosure proceedings started. 

As a veteran of XXXX XXXX I would think for sure I would qualify for some type of assistance or relief. Im not asking for a bail out or to rearrange everything I am Just looking for a little help with maybe a deferment in payments now that I am back to work so I can get caught up and maintain my mortgage to save my families house and a roof over my childrens heads. 

I can eat sleep focus and the stress and mental anguish is becoming to much to deal with especially when the CONSISTENTLY call me for a payment already knowing the situation. In over 3 years I have never missed a mortgage payment until last month. I work my XXXX off and have served my Country selflessly. I cant believe there is no help or hope available for me and my family.

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 2019-02-13 00:00:00
Product: Debt collection — Credit card 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: Continental Finance Company, LLC
State: NY

Complaint narrative:
On XX/XX/12 my father received a phone call from an unknown number stating that I would need to contact them at XXXX in reference to a court appearance. I called the number, and was told that the client was taking me to court, but he could reach out to his client to see if they were willing to settle. He asked me several personal questions such as my employment, my tax bracket, the amount of my tax refund yesterday, and my dependent status. He then said that I could settle with his client. The client sent me an agreement via email. They told me I would need to fax them my debit account number to XXXX XXXX XXXX, then call XXXX XXXX XXXX immediately to ensure it was received. I asked them to mail me a validation of debt to my mailing address they refused saying they did on XXXX, which I have not received anything from this agency. I asked more questions to XXXX, asking for the location of her company, and the address she provided me with was for an assisted living complex.XXXX then told me that I needed to stop emailing her because she is and accountant and to call XXXX.XXXX. I let them know that I was at work and would not be able to call them, they said it didnt matter and only had to the end of business day to take care of it or they would be suing me. I did my research and contacted the original grantor, and received the proper agency the debt was sold to and it was NOT this agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I had some hard inquiries on my credit. Some of them were not warranted and I disputed to equifax to remove them. After that happened around XXXX XXXX, I checked and saw my XXXX report only showed 1 credit inquiry instead of 4. Previously before the dispute I had 4 on each report. Because of this, I though everything was cleared up. Then I checked my Equifax recently and noticed that there were still 4 inquiries on my report for Equifax but XXXX is still cleared up with just one.

I'm confused as to why it would clear up my XXXX report but not my Equifax report when Equifax  was the one I disputed with anyways?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: TX

Complaint narrative:
ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 
I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Each credit bureau lists a different open date. Experian XX/XX/17, XXXX XX/XX/17, XXXX XX/XX/17. How is that accurate? 

There should be no past due on a charged off/closed account yet Experian lists a past due amount of {$350.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate. 

This account is charged off and should not be listed as revolving. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.

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 2019-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
I paid this loan back and showed the company proof. They insist that it was paid on XXXX and returned on XX/XX/XXXX. I sent my back statements to show this being untrue. They are still harassing me and now threats to contact employer and friends. I have multiple communications with this company. They continue to harass me and threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC
State: SC

Complaint narrative:
This company added a collection to all 3 credit bureaus for {$1300.00} on 3 separate occasions dating back to XX/XX/XXXX which has caused my credit scores to drop almost 100 points and has caused me to be denied for credit. The collection was added without being researched, I was never contacted prior to the collection being addeded, and the company refuses to respond to the XXXX in response to the complaint which I filed XX/XX/XXXX. I sent certified documents to this company showing the debt was paid by my insurance provider at the time of service ( XX/XX/XXXX ). The documents were received and signed for on XX/XX/XXXX, but my credit reports have nor been updated nor have I received any follow up communication from this company.They are illegally trying to collect for a debt that is not due and will not respond to any communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: Conn's, Inc.
State: TX

Complaint narrative:
This company is reporting multiple accounts on my credit reports that is inaccurate. I sent out a dispute to all credit bureaus regarding this company on XX/XX/2018 and still this company has verified information back to the bureaus that is incorrect and inaccurate. 

This company chooses to violate my rights by failing to complete proper investigating under section 611 and 609 of the FCRA. This company continues to report incorrect charge off information even after these accounts were closed. In some accounts showing that I was late even after the dates of last activity showed these accounts to be closed. 

Even after filing for a chapter XXXX bankruptcy, this company shares incorrect payment history while also not reporting statements like this account is currently a charge off account, 120+ days past due, 180 days delinquent, Account renewed, and/or no update received. This is obviously a violation as companies show only report accounts current/included in bankruptcy. It has been over 60 days from my initial dispute and I have sent 3 in total and this company still fails to correct this incorrect information and still chooses to delete this incorrect information after being challenged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I needed to pay property taxes on time to avoid fees and tax increase. I had funds in Chase Bank and contacted Chase to assist me with this payment : on XX/XX/18 spoke for 16 minutes, on XX/XX/18 at XXXX XXXX I made a tax payment, then spoke with Chase to double check that payment would go through 5 times : at XXXX XXXX, at XXXX XXXX, at XXXX XXXX XXXX XXXX, at XXXX XXXX, at XXXX XXXX. 
On XX/XX/18 they called me at XXXX XXXX to inform me that I can not make property tax payment with them since they do not allow to make tax payments and will contact the XXXX County to cancel the payment, then I transferred money to another bank to pay my tax on time. However later I learned that payment still went through and there were no funds as I transferred the funds. 
As the result I was hit with over {$6000.00} NSF fines. Then I contacted Chase executive office asking them to either pay that fine or provide me a letter with detailed explanation of their error which I still did not receive. I spoke with XXXX at executive office at length, I only asked her to send me a letter with the response, she talked a lot I could not even understand what she was explaining. I never sent me her explanations on paper.. 
{$6000.00} is a lots of money, I made payment in good faith, I had money but Chase misinformed me as the result I am subject to a huge fine where I am at no fault. I have to work for 3 months all days long to make that payment and Chase has created hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: CO

Complaint narrative:
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc.
State: CO

Complaint narrative:
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease 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 2019-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: CO

Complaint narrative:
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 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: Nelnet, Inc.
State: TX

Complaint narrative:
This company is reporting multiple accounts on my credit reports that is inaccurate. I sent out a dispute to all credit bureaus regarding this company on XX/XX/2018 and still this company has verified information back to the bureaus that is incorrect and inaccurate. 

This company chooses to violate my rights by failing to complete proper investigating under section 611 and 609 of the FCRA. This company continues to report incorrect charge off information even after these accounts were closed. In some accounts showing that I was late even after the dates of last activity showed these accounts to be closed. 

Even after filing for a chapter XXXX bankruptcy, this company shares incorrect payment history while also not reporting statements like this account is currently a charge off account, 120+ days past due, 180 days delinquent, Account renewed, and/or no update received. This is obviously a violation as companies show only report accounts current/included in bankruptcy. It has been over 60 days from my initial dispute and I have sent 3 in total and this company still fails to correct this incorrect information and still chooses to delete this incorrect information after being challenged.

Company response to consumer: Closed with explanation