vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This complaint centers around erroneous marks by the creditor " Capital One ''. I currently have a credit card with XXXX XXXX XXXX that has marked three late payments to the credit bureaus ; these late payments are not accurate and does not reflect my payment history with this creditor. I contacted " Capital One '' regarding my payment history and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
Asked me my personal information birth date ... But before told me the wrong birth date asked me to confirm. I explained i was not comfortable giving my personal information over the phone and told them that was not the correct information they continued to ask me how i knew and i refused to give any more of my information over the phone they needed to send me a written letter. Amcol i  believe was the name who also threatened me with a letter to place a judgemwnt on me for XXXX which i did pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Home Loan Center, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX 2017 I thought this was resolved I paid this balance off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I last heard from XXXX XXXX XXXX cable combany in XXXX XXXX between the years of XXXX and XXXX. I did n't pay my cable bill so they deactivated my account and canceled my subscription. I never knew you could owe a debt from a service you no longer wanted to have. The debt has since been turned over to XXXX with a debt of {$320.00}.

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 2017-12-17 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Over the past year in a half I have attempted several times to have all three credit bureaus to remove incorrect information on my credit reports. I 've also sent many letters to the creditor asking them to provide me with details on the account they claim I owe. I 've requested original documents with signatures of when the account was open and to date I still have n't received any information. In the past, I have been a victim of fraud and identity theft. I am requesting this information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI

Complaint narrative:
XXXX XXXX went to this loan place XXXX XXXX at XXXX XXXX XXXX mi useing my ssi number to get auto loan this fraud. her address XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XX/XX/2017 MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : Account # Unknown To Whom It May Concern : This complaint is being filed against your company you due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any  negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I started receiving alerts on my Experian credit report and noticed that there were inquiries that I do not recognize. As I researched the inquiries I noticed that they are from banks for auto loans. I already have a car that 's paid for, so there 's no reason for me to apply for auto loans. I ask that this issue be investigated. If you find that these inquiries do not belong to me, I DEMAND that you delete them immediately. If these inquiries come back verified then I DEMAND PROOF of verification because I never authorized these inquiries. The inquiries needed to be removed are : Credit acceptance XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Telephone : XXXX Web : www.equifax.com/personal/disputes We also obtained your credit score from this consumer reporting agency and used it in making our decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 

Credit Score : XXXX Score Date : XXXX/XXXX/2017 Scores range from a low of 250 to a high of 850. 

191 NUMBER OF ACCOUNTS 304 NUMBER OF NON-UTILITY INQUIRIES 331 PERCENT OF RECENT NON-UTILITY INQUIRIES POSTED RECENTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In 2014 Bank of America inexplicably shut all my bank accounts along with some longstanding credit cards. No reason was provided and no appeals process made available to me. I was at a complete loss and had to scramble to open new accounts, causing me to miss credit card payments and severely harming my credit score. I was not aware of the CFPB so i did n't file anything back then. A week and a half ago i tried opening a new account with BofA but got a response that " based on our records we 're unable to open new deposit products or services '' for me. I thus turn to the Consumer Protection Bureau to get some answers ( which BofA has refused heretofore to supply ). Tnx

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 2017-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: TX

Complaint narrative:
Inflated amount used on card. Actual amount spent is XXXX. Card is XXXX higher than would is actually spent. In addition to rerouted statements and inflated bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: Continental Services Group, Inc. d/b/a ConServe
State: AZ

Complaint narrative:
XXXX SOLD MOST OF MY LOANS TO A THIRD PARTY COMPANY CALLED CONSERVE, WHICH IS GARNISHING MY PAY CHECK FOR 15 % OF MY GROSS PAY. XXXX IS SAYING THAT THEY STILL HAVE 15 OUTSTANDING LOANS AGAINST ME. I 'M PAYING TWO COMPANIES FOR MY LOANS. I DO N'T FEEL THAT THIS IS FAR TO ME WHEN I 'VE TRIED SEVERAL TIME TO QUALIFY FOR THE LOAN FORGIVENESS PROGRAM WHICH XXXX HAS DENIED ME. THESE COMPANIES WOULD RATHER CONSOLIDATE MY LOANS INSTEAD OF GIVING ME THE CHANCE TO QUALIFY FOR THE FORGIVENESS PROGRAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and derogatory account removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List of unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Fraudulent Account : XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act sections 604 605 608 609 610 611 states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I am in the process of selling my mobile home. When the closing attorney 's office went to the DMV to do a title search they found out that XXXX ( now Ditech ) had a lien on my title. They tried to contact the company but they would not talk to them because it was my property. Mind you, XXXX was my mortgage company when I first purchased the home in XXXX and I re-financed the home about 10 years ago with XXXX and I 'm not understanding why they did not obtain my title at that time but anyway, I contacted the company and they told me that a lien release letter needed to be sent to an email address ( only contact to this department is via email or fax NO # to call ) and they told me to provide as much information as I could because they could not locate an account in their system and it would need to be researched. So, the closing attorney 's office sent in this information and got an email back stating that the release was in process but NO information about where it was going ... It has been 10 days, numerous attempts from me to find out what the lien-release process is and where the information is being sent to, DMV/Attorney 's office/ME NOTHING!!!  This is holding up closing of my house and now the new buyers are having to pay to extend the loan until this problem is solved. Can someone please intercede here and help me resolve this issue??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Servatus Corporation
State: AL

Complaint narrative:
I have attempted multiple times over the last several years to contact this creditor to settle debt and remove from my credit profile but i have been unable to receive any responses from mail email or any other source of communication medium. 

prior to their communication going dead i received multiple threatening calls to have me arrested and put in jail and after i was attempting to develop a re-payment strategy this company become difficult and impossible to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have requested from Bank of America numerous times to provide to me a copy of the paperwork and application in which I would have filled out to obtain this particular flexible spending credit card : OPEN DATE : XXXX CREDIT REPORT DOES NOT SHOW A CLOSE DATE LIMIT SHOWS AS {$5000.00} BALANCE SHOWS AS {$5500.00} PAYMENT STATUS : COLLECTION / CHARGE-OFF ACCOUNT CLOSED BY CREDIT GRANTOR I do not recall this account and was involved in a divorce during the 2012 year and had two change of address. Also, I have contacted Bank of America requesting a copy of any and all paperwork documenting this account and they are unable to produce. 
I would like this removed from my credit. How can the Bank of America report and continue reporting items if they have no original proof that you opened the account? No end date? Etc. 
Clearly, since I have tried numerous times to obtain this information ( over 30 days without an answer ) this particular item should be removed from XXXX, XXXX XXXX and 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 2017-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I requested a copy of my original loan documentation twice. Initially I was told I would receive proof of my debt owed in hardcopy form by XXXX/XXXX/XXXX. I did not receive it and so I called on XXXX/XXXX/XXXX to ask when the documentation would be sent to me. They said they were sorry and I would receive the hard copy by the end of XXXX XXXX. I received one page, no amount, no school loan information. They sent me a signature page dated XXXX. 
I then asked for proof of my loan debt which I do not owe and now they are threatening collections and sending 2-3 emails a day asking me to log on for ways to pay a loan I am disputing. I asked if this collections can be put on hold until it is verified that I owe this debt. They said only if I admit the debt is mine and plan to repay. I stated I am disputing this debt. 

Needless to say I am having my credit ruined and I can not get them to honor the laws put in place to protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: SC

Complaint narrative:
I have requested from XXXX XXXX XXXX numerous times to provide to me a copy of the paperwork and application in which I would have filled out to obtain this particular flexible spending credit card : OPEN DATE : XX/XX/XXXX CREDIT REPORT DOES NOT SHOW A CLOSE DATE LIMIT SHOWS AS {$5000.00} BALANCE SHOWS AS {$5500.00} PAYMENT STATUS : COLLECTION / CHARGE-OFF ACCOUNT CLOSED BY CREDIT GRANTOR I do not recall this account and was involved in a divorce during the XX/XX/XXXX year and had two change of address. Also, I have contacted XXXX XXXX XXXX requesting a copy of any and all paperwork documenting this account and they are unable to produce. 
I would like this removed from my credit. How can the XXXX XXXX XXXX report and continue reporting items if they have no original proof that you opened the account? No end date? Etc. 
Clearly, since I have tried numerous times to obtain this information ( over 30 days without an answer ) this particular item should be removed from Equifax, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XXXX/XXXX/XXXX my brother & I each applied for an individual XXXX XXXX XXXX card, sharing the same last name & address only, but different social security numbers. 
While the website displayed his reference to a decision later mailed at a later date, MY display instruction me to call telephone number XXXX with reference # XXXX, report code XXXX. On my first call the representative accused me of duplicate applications while I stated my brother & I shared last name & location only. 
She then determined an application denial based on excessive credit report inquiries, confirming merging our reports combining inquiries. Several phone calls later to the same advertised number, I 'm transferred to a " special department '' for credit decision that NEVER answers. The application merge & unwillingness to provide results from website phone number is a violation of both the Fair Credit Reporting Act & Consumer Financial Protection Bureau.

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 2017-12-17 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: NJ

Complaint narrative:
I received collection paper work from Portfolio Recovery Associates for and old XXXX XXXX account. I informed them that I would like to dispute the claim. I received a call from them saying that they had won the dispute. I informed them that I had not received any paper work in regard to that. Shortly after that I received paperwork dated XXXX XXXX 2017 that I am being sued after that I received the dispute paperwork dated XXXX XXXX 2017. They sued me prior to providing validation of the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: OH

Complaint narrative:
This is a very old bill from XXXX XXXX and had already been removed from my credit report approximately 2 years ago. The bill apparently was sold to another collection agency who then reported it as a brand new collection, which it is not. I never received notification that they were still trying to collect on such an old bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: MA

Complaint narrative:
The Original loan amount was {$1000.00} which I have paid back. But the interest is several thousand dollars and there is no way I can pay that and every single day the interest charges go up by hundreds of dollars

Company response to consumer: Closed with explanation