vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-01 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: TN

Complaint narrative:
I have disputed information on my credit report and Equifax is not investigating properly. XXXX XXXX found the information to be inaccurate and removed it from my report. Equifax refuses to remove it even though i have mailed the paperwork and provided any information they needed. They said the information is correct. The call center is full of rude employees who do not want to help you solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: CA

Complaint narrative:
On XXXX XXXX I made contact with XXXX XXXX XXXX XXXX XXXX and spoke with Rep over a pre-recorded phone conversation and I respectfully why my Tradeline of Castle credit account # XXXX is not been reported with XXXX and XXXX  as of XX/XX/XXXX till Present. 
Rep stated that Manager has to look into it and I need to provide a credit report. 
All Castle Credit has to do is communicate with XXXX and XXXX  and add my Tradeline with them. 
Castle Credit Trade Line is only showing on XXXX Credit Report.. 

I have been making timely payments of {$40.00} a month from XX/XX/XXXX till Present. 

There is a Derogatory Remarks of 30-40-60-90 days that needs to be remove as this credit trade line was reaffirmed in Federal Court on XX/XX/XXXX Bankruptcy chapter XXXX and Bankruptcy was discharged on XX/XX/XXXX with XXXX, Texas Federal Judge. 
I am respectfully XXXX  and XXXX Lifetime and a XXXX XXXX XXXX Military Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: CO

Complaint narrative:
Incredibly inconsistent and more importantly incorrect reporting on behalf of all three mentioned reporting agencies, with XXXX in particular and to lesser extent by Equifax and even lesser with XXXX. The chief problem being with debt accounts that are not just classified incorrectly, causing the weighting against my FICO score to be massively inaccurate across then board as blatantly evident by the incredible amount of variance in the range of FICO values between these agencies. For the last 3-1/4s of the last decade I have tirelessly and fruitlessly on my own accord contested these inaccuracies time and time again to little or no avail, as such my last resort is to reach out to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Incredibly inconsistent and more importantly incorrect reporting on behalf of all three mentioned reporting agencies, with XXXX in particular and to lesser extent by XXXX and even lesser with Experian. The chief problem being with debt accounts that are not just classified incorrectly, causing the weighting against my FICO score to be massively inaccurate across then board as blatantly  evident by the incredible amount of variance in the range of FICO values between these agencies. For the last 3-1/4s of the last decade I have tirelessly and fruitlessly on my own accord contested these inaccuracies time and time again to little or no avail, as such my last resort is to reach out to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: CA

Complaint narrative:
FTC attached shows few fraud account opened under my name and used and misused. 
i have disputed these irrelevancies with Equifax and XXXX, some have been deleted but these three account are XXXX  my credit and are inaccurate, please have these account removed from my credit reports, i have never lived under these addresses these creditors have, and few personal information were inaccurate, these do not belong to me please help me. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received a bill on XX/XX/2019 for the amount of XXXX cents from a debt collection company called " Convergent Outsourcing, INC. '' I am not aware of any charges that I owe. XXXX states the creditor is " XXXX XXXX '' I tried calling the company to dispute this, but it asked me to enter the last XXXX digits of my social security. I hung up because it sounded sketchy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MicroBilt / PRBC (formerly CL Verify)
State: CA

Complaint narrative:
I have NO idea who these conniving derelicts are at microbuilt, 1st most obvious, I do not owe any scumbag slumlord money, I lost in XXXX, ca court room by a corrupt biased XXXX judge, this slumlord had 12 active code violations when he got a manipulator and filed a retaliatory eviction, 4 years later this scumbag hired these derelicts to harass and scam my bank account? These conniving derelicts never had my permission for any intrusive inquiry into my credit file, really enraging is how idiotic XXXX  is with this cryptic con game, NOW XXXX  has put me on long wait times and idiotic phone games

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I, XXXX XXXX ( date of birth XXXX, social security number XXXX, address : XXXX XXXX XXXX XXXX XXXX va XXXX ), complained to different government agencies each with its jurisdiction such as but not limited to The CFPB and about Wells Fargo Bank N.A many violations of consumers rights asserted under at least the Consumer Financial Protection Act Of 2010. I am protected under each of those laws or legal act every time I made those reports which is absolutely my duty as an American patriot .I am Reporting Wells Fargo Bank N.A continues retaliation against me and my mother with XXXX who is my dependent and I would like to see actions from authorities to stop that retaliation and bring us justice. Wells Fargo Bank N.A lied to government concerning its violations against consumers rights, about its comittements to To our nation, about its obligations to consumers, about the way it conducts business, about its cover ups of wrong doings every time it receives a report about violations of its staff, its agents and/or its employees and about my situation ( adding my mother with XXXX ) Of daily struggling from Wells Fargo bank N.A almost daily basis retaliation. This bank is terrorizing, pushing with every power it got to throw me and my mother with XXXX to the street. No, I will not let that happened. The authorities with jurisdiction, the CFPB and agency with jurisdiction must react to this situation and do its duty in the next 48 hours, I would be forced to contact the media, use social network to speak up under the Freedom Of Speech And I am a protected whistleblower whose rights broken for hundreds of days very lengthy horrific time. Its your turn to sanction and get our rights back. We will not be thrown in the street for being American exposing Wells Fargo bank N.A fraud, illegal activities, cheating, breaching customers trust and more ... all stated herein is to my current states belief, knowledge and understanding and it is subject to anything or any correction by me, XXXX XXXX, at any time without prior notice and without waiving my rights under any circumstances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: CA

Complaint narrative:
The reason for my writing to you is that cap one is being unreasonable. I wrote to this company on XX/XX/XXXX.  Explaining to them In detail that I had a major XXXX XXXX late XX/XX/XXXX. The XXXX was not 100 % successful, it turned up to be a nightmare as I had to stay in the hospital for further checkup. In the process, I was unable to work and suffered emotional stress and developed XXXX-XXXX XXXX XXXX and couldnt function mentally. and even attached documents to prove my claims. 

I requested them to Please remove the late payment history reported on my account with them during that time that I was recovering from the XXXX. It was never my intention to be late. As a matter of fact, I could not work during that period as I was recovering from XXXX complications. After I recovered around XXXX, I have maintained a perfect record ever since. Also keep in mind, if it were not the XXXX complications, my account with them would have never fallen behind. 

Attached herewith is a copy of the letter i sent them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
Account was opened in XX/XX/2011 supposedly in my name. I have contacted this company several times informing them of this matter ... ... .I have had harassing phone calls from them in the past and it has started back. This is an fraudulent account opened in my name without my permission. I have requested documentation from the company as far as anything linking me to this account like a copy of my identification or an application signed by me and by law I have the right to request this documentation. They have failed several times with providing me with this documentation. They are reporting this incorrect information to the credit bureaus and it is detrimental to my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
XXXX XXXX XXXX in XXXX XXXX NY is under new ownership and has sent every account to collections whether they owed money or not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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:
FTC attached shows few fraud account opened under my name and used and misused. 
i have disputed these irrelevancies with XXXX and experiqn, some have been deleted but these three account are screwing my credit and are inaccurate, please have these account removed from my credit reports, i have never lived under these addresses these creditors have, and few personal information were inaccurate, these do not belong to me please help me. 

thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
Company acquired our mortgage from original lender last summer. At the time, we were told that all practices with previous lender would be assumed by the new company. One of these was the annual payment of our county taxes. As we had not any issues with original lender, I did not worry about any issues with the new bank. However, the check writing company used by the new bank improperly coded the annual payment made in XX/XX/XXXX such that half of it was sent back. I was never notified of this error. Rather, I became aware of it later in the fall ( early XX/XX/XXXX ) when I received an invoice from our county tax office indicating that I owed the second payment. When I called the tax office to inquire as to why, I was told of the check writing company 's mistake ( again, I never received any notice from the new bank as to this error ). Moreover, I was told that the company had realized their error in the previous month and were working to make sure it was not repeated going forward. However, the company made no effort to correct the past error. I called the new bank to inquire and confirm that they would be making the 2nd payment. I was told that they were working the issue and would pay the taxes in time. Trusting them, I wrongly assumed that everything would be properly taken care of. Thus, i was very disappointed to see that my taxes had been paid after the deadline ofXX/XX/XXXX and that I was therefore charged a 1 % late fee. When I called the bank to complain in mid XX/XX/XXXX, I was given the run around and only recently told ( after multiple follow up calls ) that it was my fault that the bank was late in paying my taxes - and that they therefore would not be reimbursing my account the 1 % late fee incurred. The exact reason for this reasoning is still unclear as I thought that was why I paid into an escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
1st most important, I paid off all creditors, copies were mailed to them and/or annual creditreport.com Now Experian has some sloppy cryptic blunders obviously illegal unacceptable, I called them 4 times today put on asinine holds, then some derelict pretends to be there dispute specialist puts me on hold with there robot to start over and/or aggravate me!!! Real incompetence, childish ineptitude!!! XXXX XXXX does NOT show that I paid them off!!!! Even worse more illegal is some derelict collection agency called XXXX made a illegal inquiry in my file, I was NOT informed what there excuse and/or real purpose other than to obviously harass me, conniving blunder to blemish my file!!! I don't care who these scumbags pretend to be, this is a 4 year old slumlord issue, I paid off some inapt collection agency hired by this slumlord, calling themselves XXXX XXXX from XXXX, CA. WHO exactly are these derelicts called XXXX? What exactly are these clowns doing in my file? Duplicated idiocy and harassment, illegal use abuse of my credit file?! # 2nd XXXX blunder is XXXX XXXX, I bought my truck with cashiers check paid in full, obviously they did NOT have my permission to make any clumsy inquiry, PLUS, I told them more than once to stay out of my file, NO real purpose, or excuse since I paid in full, now I have this cryptic clumsy inquiry, until XX/XX/2021, unacceptable, illegal, Even more idiotic is they got my wifes name in my account, unacceptable also, this is MY account not hers??? Then there is some sloppy blunder calling my land ladys house a transportation business, idiotic inaccurate also, my landlady/owner is a widow [ old ] cant drive anything?! #

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
The FDCPA has been violated by XXXX and the Parent company. I've repeatedly requested that this be removed from my credit report as well as requested information validating the debt and your company has refuses. On XX/XX/2014, my son XXXX XXXX was treated for a XXXX at XXXX XXXX. The insurance provider, XXXX paid the medical provider {$820.00} at discounted rate according to the XXXX XXXX XXXX network Agreement.  However, the medical provider group for physicians sent my information to a collection agency and I informed them about the issue to remove it from my credit report and they refused to remove it or validate the debt, if any owed on the account. The account need to be removed 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 explanation
Consumer complaint received 2019-04-01 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: NC

Complaint narrative:
Received attached letter back from Experian Dispute results against XXXX XXXX XXXX and original debtor " Just Military Loans ''. This account was included in Ch. XXXX Bankruptcy discharged in 2017. It is the only company that will not adhere to Federal Law and remove their negative mark on my credit. They continue to list the account as " Charge Off '' which is incorrect and untrue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
A few months I sent Waypoint Resource Group a letter stating I never received any info notifying me about the debt. I understand that I have 30 days to dispute their claims. I sent a letter asking them to validate the debt. 

To Whom it may concern, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. The proof initial letter was sent notifying me of the debt.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

9.. Proof that you either own or were assigned the debt from the creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters. 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am presently in a rate reduction program with Navient because my student loan balance is very high ( {$170000.00} ). I would not be able to afford the regular loan payment ( approximately {$1100.00} per month ). My current loan repayment percentage rate is 3.25 %. My present payment amount is {$670.00} in the rate reduction program. On XX/XX/2019 ( today ), I called to extend the rate reduction program and was told that the amount would increase to 4.25 % with a monthly payment due in the amount of {$800.00}. The representative and I went into great lengths about all of my monthly financial obligations and the payments that I make a month ( mortgage, credit cards, utilities, etc. ) and it was found that I am in a negative status each month after all payments. I spoke to the representative and told him that I would not be able to afford that increased payment ( {$800.00} ) with my financial obligations and other loans that I would have to pay especially because after all my financial obligations are paid, I am in a negative status. I asked to speak to a supervisor and was transferred to a unit collections manager, XXXX XXXX. I told Mr. XXXX that I would like to keep my payment at the same rate because at this time, that is the payment I can afford. Mr. XXXX told me that he did a background check on me and checked out the house that I live in and the cars that I own. Mr. XXXX said that because of the house and cars that I own and drive that I should be able to afford {$800.00} payment. I told him that I am unable to afford that amount with all of the financial obligations that I have. He told me that he does not have to offer me any lower payment or lower my interest rate at all. I told Mr. XXXX that if he does not keep my payment at the same amount that I would have to default on my loan. Mr. XXXX said that it doesn't matter if I default on my loan. Mr. XXXX refused to even negotiate with me and keep my payment at an amount that I can afford. I asked Mr. XXXX to tell me the name of his manager and he told me her name is XXXX XXXX and gave me her phone number. He refused to give me an address for her even though I prefer to send my complaint in writing to Ms. XXXX. Mr. XXXX told me that it would do me " no good to contact her '' and that she would not try to assist me even further.

Company response to consumer: Closed with explanation