vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: NJ

Complaint narrative:
Debt was already paid to XXXX. This collection agency keeps adding this balance to my credit report which is negatively affecting my score and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XX/XX/2019 amounts ; {$1200.00} actions that were taken ; I tell you that this account is not mine name XXXX XXXX XXXX account number ; [ XXXX ] address ; XXXX XXXX XXXX # XXXX XXXX XXXX , NY XXXX Social Security number [ XXXX the debt is not mine, please delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX XXXX  ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 

This includes ; XXXX XXXX XXXX XXXX Credit Card : {$4500.00}. 
XXXX XXXX XXXX XXXX : Checking/Savings/Lineofcredit. 
XXXX XXXX XXXX  Credit Card {$27000.00}.

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 2019-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a loan with KOHLS/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 and KOHLS/CAPITAL ONE with no successful resolution. XXXX, XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 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: MO

Complaint narrative:
Experian is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the XXXX XXXX & XXXX FDCPA as well as a certified copy of my UCC-11 filing with the Secretary of State. Ive attached a copy for your records.

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 2019-06-19 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: MO

Complaint narrative:
XXXX is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the USC 1692 & 1692P FDCPA as well as a certified copy of my UCC-11 filing with the Secretary of State. Ive attached a copy for your records.

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 2019-06-19 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: MO

Complaint narrative:
XXXX is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the USC 1692 & 1692P FDCPA as well as a certified copy of my UCC-11 filing with the Secretary of State. Ive attached a copy for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: AZ

Complaint narrative:
Experian, XXXX, & XXXX is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the USC 1692 & 1692P FDCPA as well as a certified copy of my UCC-11 filing with the Secretary of State. Ive attached a copy for your records. According to TITLE 31 U.S.C. SEC. 3123= All debts are UNITED STATES obligations

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 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX, Transunion, & XXXX is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the USC 1692 & 1692P FDCPA as well as a certified copy of my UCC-11 filing with the Secretary of State. Ive attached a copy for your records. According to TITLE 31 U.S.C. SEC. 3123= All debts are UNITED STATES obligations

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 2019-06-19 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: AZ

Complaint narrative:
XXXX, XXXX  & Equifax is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the USC 1692 & 1692P FDCPA as well as a certified copy of my UCC-11 filing  with the Secretary of State. Ive attached a copy for your records. According to TITLE 31 U.S.C. SEC. 3123= All debts are UNITED STATES obligations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a PayPal/Synchrony Bank card that was settled through a settlement with XXXX XXXX on XX/XX/XXXX of XXXX that I have disputed with the company and the credit bureaus that has not been updated to show that it was paid in a settlement I have the settlement letter and nothing has changed I want it to show paid in a settlement for less than the full amount and it will not update properly I also have an Amazon/Synchrony bank card that was settled with XXXX XXXX and that was paid and closed out by XX/XX/XXXX and that also was disputed to state paid for less then full amount and this also has not been updated and I have disputed this as well I have proof of both of these accounts to show that I owe nothing and they were both " settled '' and I want this status updated on all of my credit reports. 
It seems that Synchrony Bank is not doing their job and disputes are not resolving this either!

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 2019-06-19 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have put FRAUD ALERT ion my credit report several years ago. 

There are INQUIRIES offering me credit that I DID NOT AUTHORIZE. 

Someone is going in and out of my credit report without my permission. 

PLEASE HAVE COMPANIES REMOVE SUCH ITEMS FOR I DID NOT HAVE ANY KNOWLEDGE OF SUCH NOR DID I GIVE ANY COMPANY PERMISSION TO RUN ANY CREDIT IN MY NAME. 

Please REMOVE BOGUS INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have put FRAUD ALERT ion my credit report several years ago. 

There are INQUIRIES offering me credit that I DID NOT AUTHORIZE. 

Someone is going in and out of my credit report without my permission. 

PLEASE HAVE COMPANIES REMOVE SUCH ITEMS FOR I DID NOT HAVE ANY KNOWLEDGE OF SUCH NOR DID I GIVE ANY COMPANY PERMISSION TO RUN ANY CREDIT IN MY NAME. 

Please REMOVE BOGUS INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am attempting to obtain a loan and have it pre-approved with a minimum score needed of XXXX from Experian. My credit score previously was at XXXX. Suddenly, my score dropped 9 points to XXXX, leaving me a much lower margin of error and jeopardizing the pre-approval for my loan. When attempting to contact Experian about why the score dropped by 9 points, even though my percent of credit usage stayed the same and a credit card limit was increased dramatically, they were unable to explain why the score dropped. Further calls to their dispute line have resulted in hangups on their end as soon as I mention my name. If these companies like Experian, XXXX, and XXXX are going to have such a dramatic impact on whether someone is able to obtain a loan, they need to be held responsible for explaining EXACTLY why their reports and scores show changes, so that consumers can address the issues involved. 

Right now, these companies are just shills for the credit card industry, and hold themselves up as arbiters of credit worthiness, but can not explain, or refuse to explain, how their products work. They need to do so so that consumers can act accordingly to maintain or increase their scores, otherwise, their services are useless and arbitrary.

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 2019-06-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I received the voicemail below : My name is XXXX XXXX I'm an independent process server at the XXXX County. I've been tasked with serving your legal documents that are attached to both your name and social security number. I'm scheduled to serve you at both your home or place of employment tomorrow XX/XX/XXXX between the hours of XXXX and XXXX XXXX. However if I'm unable to reach you at this time. This will be documented as a direct refusal to comply you will miss your pending court date and all legal proceedings will continue without you. Now if you do have any further questions or concerns or need to reschedule prior to my arrival. Please contact the filing party 's office directly at XXXX in regards to case number. you have officially been notified again I will be out tomorrow so please plan accordingly. 

They left this same voicemail on my best friends voicemail, my work cell and work desk phone. I called back and they had the last 4 of my ss # and address. They were asking for me by my maiden name. The man said I owed Buckeye Credit Solutions when I looked up the company it said permanently closed. He said its a subsidiary of Check Smart and that i owed a loan from XX/XX/XXXX that was sent to a collection agency in XX/XX/XXXX. That is was over {$1200.00} and when taken to court I would 3 times that amount and an extra {$1000.00}. He said he could settle for 40 % and the lowest he could do per paycheck is {$54.00}. I offered {$25.00} but he said that would be rejected. He said the only to do the payment plan was by giving my debit card information. I asked why didnt I receive anything in writing and he avoided the question. He said the name of the company is XXXX XXXX XXXX and they were in central time zone. XXXX XXXX gave me his direct line. After reviewing statue of limitations I called back and questioned the validity of being served with papers because the debt was 9 years old. He said it went to collections XX/XX/XXXX. I said I didnt feel comfortable committing to anything until I received documentation he said ok. I asked would I receive it and he said yes. I told him I would be available at home XXXX to be served. My husband was home and said no one ever came and I was at work during that time and no one showed up to my job. I checked XXXX Countys Court site and nothing had been filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX I had a mortgage with Wells Fargo Bank. I filed my XXXX income tax and the IRS stated I owed for XXXX in the amount of {$2500.00}. 

After an investigation by my tax representative it was stated that Well Fargo filed a 1099 in XXXX in my name and social security number. I spoke with a Wells Fargo rep at their XXXX branch, and all she could produce was a 1098 that was filed in XXXX. The tax department with Wells Fargo stated that the were creating a dispute for this matter but I still haven't received anything. 
I have continuously tried to resolve this matter with Wells Fargo but to no avail.

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 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company
State: OH

Complaint narrative:
Lender : J.G. Wentworth. XXXX. On the 3days before closing CD, they disclosed {$43.00} a month for PMI and that was what I was expecting at closing. The final CD had {$58.00} per month. A {$15.00} per month increase surprise. 

I called the company and asked them to fix it. They said the only way to try was to stop the closing. I literally had moving trucks at the door waiting to close. So I couldnt delay closing I asked them to compensate me for the difference. They said no. That amounts close to {$2000.00}. I dont think its right to blindside me by increasing my mi payment at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Hello. I am dealing with U.S Bank. Account : XXXX. HELOC. 
For 51 years I was never late on a payment ever. I have missed 8 payments on my US Bank HELOC.  I have never once heard once heard from US Bank about this loan. 
They finally sent a letter and the number that have typed on the letter is wrong. I did get the right number, but its not the right number. If you call this number you go through the prompts, all the verification ( or don't do any of that and just wait for an operator ) and you inevitably get to a 'technical difficulties ' voice followed by a dial tone. I would happy to share the recordings I have of these calls. 

I have talked to people on the phone, but I was actually told, there foreclosure dept does not take incoming calls. What are they all finishing that back 9 at XXXX? This has gone on for the last three weeks. To really try and get through, they list a fax number. A fax does pick up I have send two letters to US Bank, a complete application for financial assistance on or about XXXX. and two letters  to their lawyers and one tonight to their CEO. 

I have been told by the receptionist at the lawyer, XXXX XXXX XXXX, that they are waiting for a document from US Bank and will the day they get it. I ask it anyone has done any work on this and they say, " no, the file is open but they have not received anything from US Bank. They have had time to bill US Bank and US Bank has billed me {$1300.00}. On a XXXX loan where my overdue amount it maybe {$3500.00}. 

I have redone my primary mortgage with help from Hardest Hit,. Woud US Bank consider matching setting the next paymetnt date at XXXX and absorbing the payments to XXXX? I woud be grateful if you could, I will be working shortly but their are a lot of bills. XXXX XXXX will pay the current arrears if US Bank will match XXXX XXXX XXXX and give me breathing room until XX/XX/XXXX, when i will pick up payments. They can pay this immediately. But we can't find anyone about anything. 

If anyone calls in with our account number XXXX, they will find they have DELETED the account number.

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 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Dovenmuehle Mortgage Inc. outlined options for us to have PMI removal. One of the options was a new appraisal and proof of some type of significant update. We had a new roof put on ( significant update ) and our home value went up from XXXX to XXXX. Our loan is currently XXXX. The LTV ratio is well below 78 % now but the company REFUSES TO REMOVE THE PMI. They now state it needs to be below 75 % LTV ratio. Again, the original letter stated 78 % and now that the appraisal came back high enough, they have changed the requirements. We are obviously very upset that we spent over {$500.00} on an appraisal and are now refusing to honor the original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
We attempted to resolve this with the creditor a couple months ago. We did not receive any correspondence in the 30 days of the dispute that shows the creditor has the right to continue to report negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
On XXXX I called Advance America to pay off my loan. They refused to take payment. The rep stated I refinanced the loan so I have to pay {$200.00} on XXXX and then {$1000.00} on XX/XX/2019. They took the {$200.00} out of my account already XXXX. The contract states that I can pay off early. To me it looks like they are trying to get an extra {$200.00} out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have been paying loans with Navient for 13 years. My balance has gone roughly from {$20000.00} to {$15000.00}. Periodically, XXXX XXXX sends me a notification that my Navient balance has increased suddenly and quite severely. The last one being over {$1000.00}. I am never late- I've never been in default. I can not seem to get my balance to decrease and finally pay it off. I don't qualify for Student Loan Forgiveness because of the type of loan I have, I think? I want to know why my balance increases sharply periodically and why this loan isn't closer to being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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 — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Had a 2011 XXXX XXXX that was total out paid every month they even sent a overpayment check back and report it me late had never been late ever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 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: NY

Complaint narrative:
I noticed 3 hard inquiries on my account, which I am totally unaware of and never conducted/applied to. Please see below inquiries 1.  XXXX XXXX  XXXX -XX/XX/XXXXXX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX -mXXXX Accounts that showed I have past due amount 1. Noticed I have passed 30 days on my XXXX 's account in XX/XX/XXXX. I was a victim of fraud, called XXXX XXXX immediately to close the account but they never did until the next month. I should not be held liable for purchases I never made 2. XXXX   XXXX XXXX XXXX - I paid off my balance and asked them to close my account. I was never late with my payments. However, they received that payment one day after my due date and is telling me I am past due ( I know most customers have a grace period ). When I called customer care, the rep was unwilling to help me and hang the phone up on me ( person was very XXXX )

Company response to consumer: Closed with explanation