vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-18 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:
After pulling a copy of my credit report. I noticed that Equifax is reporting XXXX XXXX -account number XXXX and XXXX XXXX my credit report reporting non compliant information in which i have disputed this account several times in which Equifax has continued to ignore my request. I send several letters certified with return receipt as well as a notarized letter and they still ignored my letter sending a generated letter stating they have verified information with nothing else attached and at the same time ignoring my letter all together. I have found several UNPROVEN TO BE COMPLIANT much less TRUE, complete and accurate allegations of Accounts that appear to be not in lawful compliance to reporting regulations or else wise improperly reported and transferred by other lender/servicers on the report. I understand my rights and that is why I send Equifax a written notice of my consumer demand checking for federally required proof of compliance even to the metro 2 data field formatted regulatory reporting obligations as a specific mandate due to the CRSA enactment and implementation of the standardized CDIA sponsored Metro 2 Compliance rules. The Fair Credit Reporting Act dictates that every single one even each any and or all accusations of debts, true or not, must be accurately and timely reported in all deferment/transfer cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have tried to contact Capital One on multiple times to remove these derogatory remarks i recently have gone through financial hardship and have been late making a few payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc.
State: HI

Complaint narrative:
A collection account was established on XXXX XXXX, 2011, for breaking a lease due to a military XXXX with proper XXXX indicating XXXX dates. The balance on the account has always been {$0.00}. XXXX XXXX XXXX told me that there is nothing they can do about it being a collection account on my credit history. This is also listed as derogatory on my credit history and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial Services has negatively affected my credit for some time. Jumping from one bureau to another. Stating the account was opened XXXX 2013 for an amount of XXXX. I would like to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a chase freedom credit card with the credit line {$12000.00}. I purchased {$6000.00} gift card at the shopping mall on behalf of my company. My company has been reimbursed me month by month, and I have been paying it more than the minimum payment requirement every month. But on XXXX XXXX of this year, I found out my account is closed. With my current salary, I think I can totally pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a dispute to Equifax that they Received on XXXX XXXX 2017. I have not received a response from them. It is regarding an account that they are reporting on my report for a XXXX account that I do n't recognize. I asked them to provide me documentation that they have that verifies the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: PHH Mortgage Services Corporation
State: IL

Complaint narrative:
I have attempted to validate the debt that they claim I owe and my requests have been denied. The mortgage company has been acting fraudulently they refuse to produce proof of a valid contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I defaulted on several credit lines with XXXX XXXX. They have then sold my debt to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, and not sure for the third one. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX. have not provided me with any correspondence that the debts were transferred to another co. nor has the buyers of the debt informed me of such transfer. Instead a representative from XXXX XXXX XXXX, XXXX. contacted me on XX/XX/XXXX stating that she worked for the Litigation dept. We immediately demanded that a verbal cease and desist be placed on the account, but the Rep. stated that she did not have to abide by such request and refused to accept. I was outraged and shocked being that no notice had been previously given and the fact that a written cease and desist was sent in XX/XX/XXXX to all my creditors. When the cease and desist was sent in XX/XX/XXXX, I verbally communicated with all my creditors and offered 30 % to settle my accounts. This money came from my 401K, as I had no other means of meeting my responsibility. Since then I have settled wit.h XX/XX/XXXX, XXXX 's,  XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and personal loans. I never refused to pay my debt, but due to my hardship i am working with limited funds.PortfolioRecovery Associates did not provide me with all correct and rightful legal notices and correspondences, and/or acknowledging my hardship or attempted to work with me since i never refused to pay but nearly wanted to negotiate a settlement. The have shown very little integrity in the process as they contacted me from a litigation dept. and would not honor a verbal cease. Lastly they have now hired the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to tactfully force and scare me to pay. Portfolio Recovery Associates simply has shown that they do not care about following a lawful process and are willing to cut corners and threatened people and if they dont get what they want they send you to an attorney 's office!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is charging me for a credit card that I have never had ... someone had fraudulent open a account in my name without my authorization ... this account needs to be removed off my credit report due to fraud.. I have filed a police report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: Colony Brands, Inc.
State: VA

Complaint narrative:
I have reached out to XXXX a many time to remove there negative reporting on my credit report I was told after I paid my charge off they would remove from my credit report which have not done as promised

Company response to consumer: Untimely response
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XXXX ; a Written Contract was signed by my spouse to begin a Kitchen Remodel with XXXX XXXX XXXX.. Contract total was changed 3 times because of incorrect prices/figures/measurements, and damaged material..Most recent Contract signature was XX/XX/XXXX of the corrected copy was delivered by their Project MGR. 
The 1st contract gave us a total of {$52000.00} of which {$26000.00} was financed by a XXXX XXXX XXXX ACCOUNT ie. ( Credit Card ). We have been paying $ XXXX MONTHLY without interest for 1 year ... We had the final Walk thru on XX/XX/XXXX whereby the Project Mgr. and Scheduler performed ... We were totally dissatisfied once again because the Contract total was completely different from the Contracts we had in our file.. We mentioned that until the total and incomplete work was completed we would not be paying any other monies except the Credit card monthly payment ; which has a pay off balance of {$12000.00} plus {$2400.00} interest =TOTAL {$14000.00}. We have never had a past due payment! Project Mgr. and Scheduler stated they would get back in a few days and or email the corrected Contract as well as a Resolution for the UNSATISFACTORY KITCHEN REMODEL ... REGIONAL AND CORPORATE OFFICES WERE NOTIFIED VIA TELEPHONE ... ..To date ; we have had no Communication/correspondence from them at all! 

However ; ON XX/XX/XXXX, we received a letter/memo from an Attorney 's office in XXXX, Wa. recommending an Additional amount BE paid in full of {$36000.00} WITHIN THE NEXT 30-45 DAYS. 
Additionally {$3600.00} OF charged work was NEVER completed for our two bathrooms BECAUSE THEY KEPT CHANGING PRICES AND WE DECIDED TO CANCEL THE BATHROOM REMODEL!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX a purchase was made to XXXX XXXX XXXX to purchase wholesale XXXX trees in the amount of XXXX. The trees were sent via semi truck freight. 166 trees were missing from the order. We contacted XXXX XXXX and she refused to deliver the remaining trees and hung up. I disputed the charge with capital one. They received a invoice from XXXX XXXX. I verified and uploaded the actual bill of laddel from the trucking company that showed the trees were ordered and paid for however 166 trees were missing. 7 ft trees which is clearly indicated on the bill of laddel and signed by her Forman and the driver. Today Capital one re billed the amount to my credit card without even reviewing my documentation on no delivery. A bill of laddel is a legal document freight drivers must have and it clearly shows it was shorted 166 trees at XXXX dollars per tree XXXX which is what I disputed. Im disappointed in capital one that they didnt even bother to give me the required time to show my proof before they placed it back on the card. I was notified on Monday that she responded with a invoice with no signatures and no proof of delivery so I gave them them the shipping laddel and witness statements the same day. They didnt even review them. Im not sure if the process they are required to follow but I have written the dispute and shown clear evidence of not shipment of items. Capital one has not even gotten me the info a letter sent to me before they even sent me a notice to continue my dispute they just charged the card back. Why dont they wait for evidence before they charge the card back? XXXX XXXX XXXX has not provided a billing laddel or proof of delivery of any kind. Additionally the owners of the store they were being sold at signed a statement showing it was not on the truck which I have attached also. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
IN THE COUNTY COURT IN & FOR XXXX COUNTY, FLORIDA , COUNTY CIVIL DIVISION XXXX XXXX XXXX XXXX XXXX Case No. : XXXX vs. Division : XXXX XXXX XXXX NOTICE TO SERVICER XXXX XXXX XXXX XXXX. 
ORDER TO RELEASE MORTGAGE NOTE # XXXX Ref. : XXXX XXXX XXXX XXXX Acc # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX as supposed Power Attorney of XXXX XXXX XXXXXXXX XXXX is hereby order to release Mortgage Note XXXX XXXX MIN # XXXX, Mortgage Account XXXX. XXXX XXXX XXXX falsely claimed interest as Note holder for XXXX XXXX XXXX as Trustee, base in XX/XX/XXXX Mortgage Assignment, recorded by XXXX XXXX that it has been automalically VOID by NOTICE OF CONTEST OF LIEN instrument, See XXXX County Official XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

Legal Action THIRD ( 3rd ) ATTEMPT OF WRONG FORECLOSURE on behalf of XXXX XXXX  XXXX XXXX XXXX shall be dismissed. Attached pertaining information of NOTICE OF CONTEST OF LIEN of your VOID Mortgage Assignment. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DATE : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I defaulted on several credit lines with XXXX XXXX. They have then sold my debt to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and not sure for the third one. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX have not provided me with any correspondence that the debts were transferred to another co. nor has the buyers of the debt informed me of such transfer. Instead a representative from XXXX XXXX XXXX, XXXX. contacted me on XX/XX/XXXX stating that she worked for the Litigation dept. We immediately demanded that a verbal cease and desist be placed on the account, but the Rep. stated that she did not have to abide by such request and refused to accept. I was outraged and shocked being that no notice had been previously given and the fact that a written cease and desist was sent in XXXX of XX/XX/XXXXto all my creditors. When the cease and desist was sent in XXXX of XXXX, I verbally communicated with all my creditors and offered 30 % to settle my accounts. This money came from my XXXX, as I had no other means of meeting my responsibility. Since then I have settled wit.h XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and personal loans. I never refused to pay my debt, but due to my hardship i am working with limited funds.XXXX XXXX XXXX did not provide me with all correct and rightful legal notices and correspondences, and/or acknowledging my hardship or attempted to work with me since i never refused to pay but nearly wanted to negotiate a settlement. The have shown very little integrity in the process as they contacted me from a litigation dept. and would not honor a verbal cease. Lastly they have now hired the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to tactfully force and scare me to pay. XXXX XXXX XXXX simply has shown that they do not care about following a lawful process and are willing to cut corners and threatened people and if they dont get what they want they send you to an attorney 's office!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
Back in 2013 I had notice tha XXXX XXXX was on my credit report.., I contacted them and explained to them that this account is fraudulent and should not be on my credit report .. I sent ten copies of my police report also.. and the rep told me that it will be remove off my credit report ... this account needs to be removed off my account I have never had a XXXX XXXX account

Company response to consumer: Untimely response
Consumer complaint received 2018-01-18 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: NY

Complaint narrative:
There is an account in which it keep disputing that does n't belong to me which is XXXX XXXX XXXX by something called XXXX XXXX and I would like it remove off my credit report as it does n't belong to me and is fraud {$1700.00}

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 2018-01-18 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: WA

Complaint narrative:
I sent Equifax 2 dispute letters by now and all i know is that the accounts are listed as : Consumer Disputes information, I 've yet to receive letters regarding the outcomes of the disputes. More than anything I Want Equifax to provide me their verification process as IT IS MY LEGAL RIGHT UNDER FCRA 611 ( a ) ( 6 ) and ( 7 ) ... ... .... HOW DID YOU EVEN TALK TO THE COMPANIES!? THEY DO N'T EVEN LIST A PHONE NUMBER!!! SO I AM ASKING THAT EQUIFAX PROVIDE ME THE ''MAIL CORRESPONDANCE '' USED TO VERIFY THE ACCOUNTS WITHIN 15DAYS OF THIS COMPLAINT. ACCOUNTS IN QUESTION : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX/XXXX XXXX, 3 ) XXXX XXXX/XXXX XXXX, 4 ) XXXX XXXX  XXXX. I DEMAND TO SEE YOUR VERIFICATION PROCESS EXECUTED IN 15DAYS AS STATED IN FCRA 611 ( a ) ( 6 ) and ( 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CNG HOLDINGS INC
State: NC

Complaint narrative:
XXXX is reporting a fraudulent account on my credit report for {$480.00} ... and I have not had no credit account in my name ... I file a police report stating I have never had this account and its still reporting account as open ... this account shall be removed from my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX is reporting a fraudulent account to my credit file I never had a XXXX card and I have call several times to tell them to remove it and customer service let me speak with fraud department and they said the willremove the fraudulent account I ending up filing a police report to have it remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18 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: NY

Complaint narrative:
There is an account in which it keep disputing that does n't belong to me which is XXXX XXXX XXXX by something called XXXX XXXX and I would like it remove off my credit report as it does n't belong to me and is fraud {$1700.00}

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 explanation
Consumer complaint received 2018-01-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There is an account in which it keep disputing that does n't belong to me which is XXXX XXXX XXXX by something called XXXX XXXX and I would like it remove off my credit report as it does n't belong to me and is fraud {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: NC

Complaint narrative:
Jh portfolio sold a account to XXXX XXXX for XXXX and XXXX XXXX this fraudulent account needs to be remove from my credit report I never had a account from XXXX XXXX and this is fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: NC

Complaint narrative:
XXXX XXXX charge this account off and applied a lot of late payments to my credit report basically damaging my credit score they sold the account after it was paid completely off now the still trying to charge me again ... this charge off account should be remove off my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
XXXX XXXX is charging me for a credit card that I had identity theft on ... I lost my pocketbook and however the person that stole my credit card ... put some purchases on my credit account with XXXX credit card..I have file a police report to have this item removed

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation