vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I rarely use my XXXX XXXX card, so when my annual fee was charged to my card I didn't receive an email alerting me to the charge. I did receive an email 30 days later telling me the {$19.00} was past due. I called immediately, paid the amount and explained the situation. Due to the fact that I am an excellent customer, the representative, as a first-time courtesy, said that she would reverse the late charges and report it as a " paid as agreed '' status to the credit report agency. The credit report was never corrected as promised and it has hurt my score substantially and caused two XXXX credit cards to reduce my credit limit substantially. I would like to have this corrected on my credit report.

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 2019-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I rarely use my Capital One card, so when my annual fee was charged to my card I didn't receive an email alerting me to the charge. I did receive an email 30 days later telling me the {$19.00} was past due. I called immediately, paid the amount and explained the situation. Due to the fact that I am an excellent customer, the representative, as a first-time courtesy, said that she would reverse the late charges and report it as a " paid as agreed '' status to the credit report agency. The credit report was never corrected as promised and it has hurt my score substantially and caused two XXXX credit cards to reduce my credit limit substantially. I would like to have this corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Strategic Alliances, Inc.
State: UT

Complaint narrative:
I received a phone call at work from a XXXX XXXX saying that she was a paralegal and that said that she just had a proposal for garnishment of wages dropped on her desk and legal action needing to be taken for an old medical debt from XXXX of 2015. She said that she wanted to give me a chance to settle the debt of {$1600.00} that was originally the remainder owed that was already settled and paid. She said that they could settle for {$1000.00} if by the end of the day without further legal action or by morning a lawsuit would happen. I was distraught and in tears the way that I was treated so much that my boss took over the phone conversation and offered to pay it. I immediately talked to my husband that confirmed the bill was settled in XXXX of 2015 and had a confirmation letter stating that is was settled in full. Company lies on the phone and when you fax them the cease and desist letter and prove the debt was settled years ago, you keep getting phone calls and threats to take your driver 's license and take you to court at home, to other family members and your workplace. They say illegal phrases and tell other persons private information in your family phone group. No proof of what is owed or what they say and is over 4 years ago! They have XXXX phone numbers that they mainly use XXXX and XXXX. Here is a copy of a message transcribed from answering service to text. This is what our daughter received on her phone and it is identical to the one received on the house phone : " XXXX Depositing new message. Hello this message is solely intended for XXXX. ______, I'm calling in regards to a request of a petition to be filed against you in regards to your involvement in investigation of theft and services. Either you or your attorney must contact your filing party today at XXXX XXXX at XXXX. Failure to comply will result in the issuance of a guilty plea on your behalf as well as the suspension of your state drivers license. You have been notified. Good dat and good well ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I got 67 inquiries need to be remove from credit report

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 2019-06-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I got 67 inquiries need to be remove from credit report

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 2019-06-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I got XXXX inquiries need to be remove from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
1. Request that all E-mail 's include " RoundPoint and Loan number '' in subject line! 

This is MY life and my Home I brought my kids and now Grandchildren up. 
I am active in my community and have NO other DEBT. 

Home Equity Loan ( HEL ) Fixed Interest, NO Penalties, NOT a HELOC! 

I seeking the understanding how Roundpoint can charge {$4100.00} over the last 4 month if my payment is {$450.00}? 
I would still make payments or would have paid the loan off in full, if Roundpoint would not have : a ) stopped honoring my payments, and began to return them to me b ) made a counter offer to my settlement offer after they returned my payments. 

One may think Roundpoint is seeking a FREE HOUSE! 

Have I missed payments YES! Why? 
RoundPoint 's way of being helpful resulted in my case, to a 8 month of delinquency! NOT because I didn't want to pay, but because I was actively talked out making payments. After all we were in a settlement negotiation and should save the payments and apply them to the final settlement! RoundPoint reneged on the settlement.

2. Who and What would be considered a 3 party involvement? 

Several Settlement offers were send by myself or my legal council ( past council ) to Roundpoint. Mrs. XXXX XXXX ( Customer Advocate ) mentioned, in a phone conversation ( XX/XX/2019 ) that a particular settlement offer was countered by Roundpoint. 
Mrs. XXXX 's offered to forward Roundpoints counter to my E-mail address by XX/XX/2019 and after she returned from her day off! Still waiting! 

3. Request for any and all Counter offers made by Roundpoint in reference to my Settlement offers.

4. Request for

Roundpoint to show proof how each money order, mailed by certified mail to Roundpoint, was allocated. 5. Request for Roundpoint to show proof how Bankruptcy  Judges order to adjust my account by {$12000.00} in my favor. was allocated! 

6. Request for Roundpoint to show how they calculate {$4100.00} if my monthly payments are only {$450.00}?

7. Request for Roundpoint to quit stalling!!! 

I'm not inte rested in generated monthly printouts but detailed proof that Roundpoint allocated my Payments and honored a Federal ( Bankruptcy ) Judges order! 
I need RoundPoint to show me where the money I paid went! 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Now faith is the assurance of things hoped for, the conviction of things not seen.

XXXX XXXX XXXX I can do all things through him who strengthens me.

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 2019-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: CA

Complaint narrative:
My son had XXXX XXXX performed and sent to XXXX XXXX XXXX XXXX XXXX for analysis. 
I received a letter in the mail at the end of XXXX with a statement dated " XX/XX/XXXX '' stating that we owed {$110.00} for my son 's XXXX XXXX after insurance had reviewed and processed the claim. 
I had questions regarding insurance input so when clarified, I followed the online link that XXXX XXXX XXXX XXXX XXXX provided on the bill to pay the bill. The balance stated {$0.00} dollars. 
I reviewed bank statements and credit card statements to see if this was on autopay or if my husband paid it. Ultimately on XXXX I emailed to query what was owed and left my email and cell phone. At this time, on XX/XX/XXXX I received an email stating the account was sent to collections on XX/XX/XXXX after ONE attempt to collect their payment by mail- non registered. They sent the account to collections after 9 weeks without confirming that I had even received the bill ( which I had not until 4 weeks prior ). They have ALL my information including my cell and did not call or send out a second/warning bill. When I contacted them on XXXX and enquired about the bill as I was attempting to pay it the response was " it has gone to collections '' with no alternative for me to resolve the issue but to wait for collections letter which I did. It arrived on XX/XX/XXXX and has been paid. 
To my mind, this is unfair and inappropriate- they made zero effort to collect the debt and zero effort to offer me a way to pay when I reached out. 
This is coming after this same group attempted to bill me twice for services rendered for my own XXXX work.

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 2019-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
On XX/XX/2019 I called the ERC company to send documents through the fax machine. They told me they're a paperless company and they don't have a fax number. I than ask for an email she keeps on about if I have an account with them. Than I ask again how can I get something to them. She keep on wanting to know if I had an account with them. I said I really don't have to answer that. She than got her supervisor on the phone XXXX XXXX than I ask him for a fax number. He told me an email at XXXX so I emailed ERC. Just give others the right to get information to them. I have no idea who these company are. I not going to just give up {$1000.00} to everyone that come on my doorstep. Anyone could be praying on anyone these days. ANYONE can get information off the internet. Being overly cautious isn't a bad thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: MO

Complaint narrative:
Somehow I'm reporting as an authorized user on accounts unknown to me nor do I know who added me. Please remove me from these accounts immediately. I'm asking that these accounts to be blocked from my credit files. 

1 ) XXXX XXXX {$14000.00} 2 ) XXXX XXXX {$4500.00} 3 )  XXXX XXXX {$4600.00} 4 ) XXXX XXXX XXXX XXXX I'm disputing this account as well XXXX XXXX XXXX, please remove

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 2019-06-15 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Somehow I'm reporting as an authorized user on accounts unknown to me nor do I know who added me. Please remove me from these accounts immediately. I'm asking that these accounts to be blocked from my credit files. 

1 ) XXXX XXXX {$14000.00} 2 ) XXXX XXXX {$4500.00} 3 ) XXXX XXXX {$4600.00} 4 )  XXXX XXXX XXXX Also I'm disputing this account as well XXXX XXXX XXXX, please remove

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 2019-06-15 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: Account Resolution Corporation
State: MO

Complaint narrative:
I disputed collections account from Account Resolutions with all 3 Bureaus and the accounts removed from two of the three Bureaus but left 10 on XX/XX/XXXX. Most of the 10 accounts have duplicate account numbers with different amounts attached or incomplete account numbers 1.  XXXX datedXX/XX/2013for {$140.00} 2.XX/XX/XXXX datedXX/XX/2013 for {$54.00} 3. XXXX dated XX/XX/2014 for {$100.00} 4. XXXX dated XX/XX/2015 for {$90.00} 5. XXXX dated XX/XX/XXXX for {$57.00} 6. XXXX dated XX/XX/2015 for {$120.00} 7. XXXX dated XX/XX/2016 for {$100.00} 8.  XXXX dated XX/XX/XXXX for {$69.00} 9. XXXX dated XX/XX/XXXX  for {$69.00} 10. XXXX dated XX/XX/2017 for {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We have repeatly requested from Experian, XXXX  and XXXX to provide written verification of the items that they are reporting on my credit report. By law they must verify information they post. I have asked over and over again for any contract or document bearing my signature be forwarded to me and they have failed to do so for at least the last 6 month. 

Harmed by their willful neglect of the law. they have failed to send me what I repeatly asked for. 



Payments to harmed consumers Congress has authorized the CFPB to take legal action against companies and people that violate federal consumer financial law.

When the Bureau enforces the law, it or a court may order the violator to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm. This compensation is generally called redress. In some cases, when the available redress is insufficient to fully compensate consumers for the harm they have suffered, the Bureau may compensate victims from the Bureaus Civil Penalty Fund. The money in the Civil Penalty Fund comes from penalties that the Bureau obtains in enforcement actions against entities and individuals who have violated the law. 


We have repeatly requested from Experian, XXXX and XXXX  to provide written verification of the items that they are reporting on my credit report. By law they must verify information they post. I have asked over and over again for any contract or document bearing my signature be forwarded to me and they have failed to do so for at least the last 6 month.

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 2019-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
We have repeatly requested from XXXX, XXXX and Transunion to provide written verification of the items that they are reporting on my credit report. By law they must verify information they post. I have asked over and over again for any contract or document bearing my signature be forwarded to me and they have failed to do so for at least the last 6 month. 

Harmed by their willful neglect of the law. they have failed to send me what I repeatly asked for. 



Payments to harmed consumers Congress has authorized the CFPB to take legal action against companies and people that violate federal consumer financial law. 
When the Bureau enforces the law, it or a court may order the violator to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm. This compensation is generally called redress. In some cases, when the available redress is insufficient to fully compensate consumers for the harm they have suffered, the Bureau may compensate victims from the Bureaus Civil Penalty Fund. The money in the Civil Penalty Fund comes from penalties that the Bureau obtains in enforcement actions against entities and individuals who have violated the law. 


We have repeatly requested from XXXX, XXXX and Transunion to provide written verification of the items that they are reporting on my credit report. By law they must verify information they post. I have asked over and over again for any contract or document bearing my signature be forwarded to me and they have failed to do so for at least the last 6 month.

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 2019-06-15 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: CA

Complaint narrative:
Experian is not reporting that I have a revolving installment secured XXXX XXXX. I want this problem corrected so that my credit score will reflect as much.

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 2019-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is not reporting that I have a revolving installment secured XXXX XXXX. I want this problem corrected so that my credit score will reflect as much.

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 2019-06-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXXis not reporting that I have a revolving installment secured XXXX Visa. I want this problem corrected so that my credit score will reflect as much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian is reporting a negative account on my credit file from XXXX XXXX N that I have never had. I pay all my bills on time and my credit file has been damaged because of this account that is not mines on my credit file.

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 2019-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sklar Law LLC
State: NJ

Complaint narrative:
The debt is fully paid. I have the receipts to proove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I have a installment loan with this company and am struggling to make the payments so was working with there financial dept, the agreement was XXXX a payday and I missed a payment by accident, and they unauthorized a charge on my debit card for XXXX with out notifying me and kicked me out of the program. I cant afford to have this much money just removed from my bank account. And the agreement was XXXX and no interest. I have disputed this charge thought my bank but it could take up to 90 days for a approval tried to speak with someone at main branch of advanced financial but they refused to refund the money. This is a unscrupulous company once they get your info they charge what they want. And I have been under a debit management company which they refuse to corporate with. They have poor business tactics. And I just want my money returned asap I had just got paid and was going to take care of my payment but they cut me off before I had a chance.

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