vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 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: TX

Complaint narrative:
XXXX ; Experian and XXXX are reporting collections that are a direct violation of the F.C.R.A. XXXX XXXX XXXX is reporting a collection on my credit report partial account numbers - XXXX XXXX. ( Please see pages 33 and 34 of the attached credit report. ) These private student loans were taken out in XX/XX/XXXX. I was unable to continue to make these payments. XXXX XXXX XXXX sued me and lost because the statute of limitations had ended. Attached are copies of the Judgment granted in my favor. Consequently, XXXX XXXX XXXX sold this debt off to a third party who is now reporting this as a collection. These accounts should never have appeared on my credit report. This incorrect reporting is harming my credit scores.

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 2019-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
My father and I took out this mortgage loan in XXXX to repair the home. He passed away in XXXX and I now have the loan. On XX/XX/XXXX, I lost my main source of income and was placed on unemployment. I knew by the end of XXXX that I was in trouble and applied for a home loan modification. I was denied and they stated it wasn't due to unemployment and they were unable to create an affordable payment without changing the terms of the loan. I reapplied and they kept asking for my profit and loss statements for my business ( XXXX XXXX two nights a week ) and I sent them. They said I needed to send them again, so I did. They said I needed to send them yet again, and I did. This has been going on since XX/XX/XXXX. I have sent the profit and loss statements multiple times and have copies of every time I sent them. I spoke with a HOPE/XXXX  housing counselor and we did a three way call. My Carrington 'case worker ' said I needed to send the profit and loss statements yet again and hung up on us. The HOPE/XXXX counselor said he's never had that happen. I sent the profit and loss statements again. They asked for them again. I finally spoke to another person and she said she could see where I DID send the profit and loss statements, but they needed to be on one page? In eight months, no one told me this. I sent the profit and loss on one page. Now, they have sent me a denial letter stating my financial hardship was not directly related to unemployment or loss of income. I do have a new job but have taken a serious cut in pay. I am nine months behind on my mortgage due to them repeatedly asking for information I already sent and there is no way I can reinstate the loan. This has had a serious effect on my health and I now have XXXX XXXX XXXX and stomach   issues. I believe they were negligent in how they handled the modification request. I am now looking at foreclosure and becoming homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting collections that are a direct violation of the F.C.R.A. XXXX XXXX XXXX is reporting a collection on my credit report partial account numbers - XXXX XXXX. ( Please see pages 33 and 34 of the attached credit report. ) These private student loans were taken out in 2007. I was unable to continue to make these payments. XXXX XXXX XXXX sued me and lost because the statute of limitations had ended. Attached are copies of the Judgment granted in my favor. Consequently, XXXX XXXX XXXX sold this debt off to a third party who is now reporting this as a collection. These accounts should never have appeared on my credit report. This incorrect reporting is harming my credit scores.

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 2019-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Glass Mountain Capital, LLC
State: OH

Complaint narrative:
The company Glass Mountain Capital LLC has been calling me since the end of XXXX. First they called from an out of state number in which I did not answer, but called back only to get a error tone. Then, in order to get me to answer the phone, they started calling from numbers using the area code where I live. I answered only to get someone on the phone asking me to verify my information without stating who they are and what they are calling about. Just stating it is regarding personal business matters. The lady hung up on me quickly once I refused to verify anything since she refused to tell me who she was and what she was calling about. They continue to call but, will not provide me any information unless I verify myself which I will not do if I do not know what the call is regarding. This collection company is not on my credit report which makes me suspicious about the nature of their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX****, XXXX  ( Original Creditor : 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 2019-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I contacted XXXX because they had contacted an out of state family member saying they were going to put a lien on me ( this person was XXXX unknown last name ) I called XXXX XXXX pm ) and spoke to an individual named XXXX who said he was from commonwealth law firm and very aggressively told me that this was for a XXXX XXXX XXXX from XXXX and as I asked for a validation of debt letter or any communication at all because I advised him I had not received anything in the mail, he said if I send you something in the mail its going to be a summons to court. So I advised that I would look into this and contact him tomorrow ( XX/XX/XXXX ) between XXXX and XXXX pm. I used the time after the phone call to check my credit reports and did not see this anywhere. This creditors name was previously on my credit report but I disputed it in XX/XX/XXXX because again I do not know of this debt. It as removed from my credit report as I assume it could not be validated with them either. So on XX/XX/XXXX I called this number back ( XXXX am ) and spoke to XXXX and again explained that someone called and I wanted a validation of debt letter sent to me according to the fair debt colllection practices act, he then said he would transfer me to who I spoke to yesterday and I said to confirm youre not going to send me a letter with this information. He said we will just take you to court and show you documents then, then transferred me in the middle of talking to a voicemail. ( Since TN is a one party consent state I did record this call ). I believe this to be a scam and even if its not if I did owe a debt from XXXX it would be past the XXXX of limitations, which is 6 years in TN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I setup my LEASE PAYMENT account online with XXXX XXXX XXXX since day one as AUTO-PAYMENT, & their setup clearly says PLAN END DATE : UNTIL CANCELLATION no other options, it is only one default option & I never canceled my auto payment either. 
But what happened is, XXXX XXXX stopped withdrawing my auto payment on their own on XX/XX/2019 & put it on my Delinquent credit as overdue late payment of {$99.00} on XX/XX/2019. 
So tried to reach them directly twice XX/XX/2019 & XX/XX/2019 so they fix their mistake & once thru the 3 credit bureau all on XX/XX/2019 but Chrysler Capital are not cooperating & always reply back with only 1 answer copied from their letter : We have investigated your dispute & verified the information provided to the XXXX XXXX XXXX XXXX is accurate. It is our policy to report all consumer accounts to the credit reporting agencies in a consistent & accurate manner, considering they dont accept phone calls or emails it is only mail to get in touch with them. 
Their report would be correct only if I setup my account for end date which not an option for me AS SHOWING ATTACHED, or I canceled it which I didnt do either, but I did my step until cancellation which should be end of my lease term ( 36 month ). But they did terminated my auto payment without notifying me so I pay on time, also they said the auto pay is only 24 month but my lease is 36 month & their website doesnt show any warning or notification clearing it is only 24 month auto payment Attached is a screen capture for XXXX XXXX  website demonstrating the steps setting the auto payment proofing no warning of the 24 month ending but stating UNTIL CANCELLATION so it is not my fault & I didnt overdue my payment, but they didnt withdraw the payment & terminated my auto payment on their own. If they didnt stop my auto payment without notifying or warring me it would be posted on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GMA Investments, LLC
State: FL

Complaint narrative:
Ive asked repeatedly that Summit Receivables send me a written mail notification of my debt. They said they will email but not send me any written mail since it takes time they do not have. I told them I can not do anything without a written letter of my debt. They claim the email is enough and by law they dont have to send me anything.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-22 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: VA

Complaint narrative:
My wife passed in XX/XX/XXXX.. Her credit debts were sent to the home for pmt and I notified them of her passing and sent a copy of the death certificate. All of the debts were that of my wife ; I never signed an application for joint access. Subsequently, EVERY company has shifted the debt to my name as though I am responsible although I told them I knew nothing of these. I submitted an investigation on XX/XX/XXXX to XXXX to dispute these and have them removed. In addition, XXXX is reporting me deceased which prevents me from applying for any new credit ie a home equity line. Two months have passed, no corrections have been made. Debts reported as of XX/XX/XXXX/not mine are as follows : XXXX  {$2400.00}, Capital one XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, dpt ed/XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, in summary 12 revol debts at XXXX total, 2 installments at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Please know that I was not late sending my payemnts to ..I wonder why Equifax report it as late when in fact payments were sent before the due date..They wont give me concrete reason as to why they wont fix this..CFPB please step up and fix XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I've been off work for over a year with serious health issues and unable to work. 
Recently XX/XX/2019 I was diagnosed with additional health issue that has caused me to be to under Doctor care and having a series of test to determine the cause of my recent health issues. I'm XXXX and receive XXXX. I've requested mortgage assistance with Chase Mortgage with my mortgage. I recently was forced to file Bankruptcy to stop the property foreclosure sale of my home. They have been unwilling to assist me Please! Please! Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/19 charge for {$29.00} for 2 size 2xl womens flannel shirts thru sears.com.Notified sears MasterCard I never got them.They reversed charge sent a letter received XX/XX/19 the dispute settled & I didn't owe anything.The bill I got XX/XX/19 showed XXXX owing.This month XX/XX/19 I get another letter stating since the merchandise wasn't returned they were charging {$29.00} again & a bill from Sears MasterCard received XX/XX/19 charged {$29.00} again with the date of XX/XX/19 on it.The closing date of statement is XX/XX/19 3 days after 90 days to complete a dispute.

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 2019-05-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please know that I was not late sending my payemnts to ..I wonder why Experian report it as late when in fact payments were sent before the due date..They wont give me concrete reason as to why they wont fix this..CFPB please step up and fix 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 2019-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Auto Credit Corporation of Jonesboro, iNC.
State: AR

Complaint narrative:
auto credit jonesboro - reporting car as repo when my car was stolen in XX/XX/XXXXwhile i was out of state. i contacted them and my insurance company XXXX. my car was found two weeks later when i was contacted it was found i let my insurance company know and left message with finance company every step- of the way what was going on. my insurance company told me they were going to move the car to a storage free place and have it looked at to determine damages. insurance company deemed it total loss. i had full coverage and gap i called left message with finance company. the next thing i got and only thing i received from the finance company was a letter stating they sold my car and that i owe the difference. the fiance company has reported car as repo when the insurance company had the car. i do not owe this and my car wasn't repo if so how did they do this unless the insurance company and finance company did something illegal also the finance company contacted gap got money from them also isn't illegal if a car was repo for a lender to action off without notify owner of when and where such transaction is to happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: KY

Complaint narrative:
I settled a credit card debt with XXXX XXXX XXXX who sold it to Credit Control, llc under the name XXXX XXXX XXXX & i disputed 7 times the status Failure to pay with XXXX  & XXXX & they continue to say it's valid even w/ copy of ck  {$270.00} pd XX/XX/18, it dropped my score & updated as a Open acct which is also incorrect! The company refuses to fix it saying its XXXX XXXX fault. Call XXXX XXXX they say its XXXX XXXX  fault either way how is it failed to pay w/ letter of payment in Full?? They promised to update as paid per verbal Recorded statement.

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 2019-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/2019 I was expecting money to be deposited in my bank account My email address XXXX from Zelle informed the money will be deposited to a XXXX XXXX account which I DID not have a XXXX XXXX account. The senders sent the money through Zelle. I received an email from Zelle that XX/XX/2019 XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) sent money will be deposited in XXXX XXXX account. The problem is I do not have a XXXX XXXX account. I have an online XXXX XXXX account. I contacted Zelle and someone informed me that XXXX XXXX has a link to my email. I informed Zelle that I do not have a XXXX XXXX. The money that was sent from the two individuals was sent to a XXXX XXXX account that I do not have. My email address XXXX XXXX XXXX is being used by someone name XXXX with the last account number XXXX from XXXX XXXX who I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: SC

Complaint narrative:
I am making a complaint Security Credit Service that is known as XXXX.I have contact them on several occasion about this collection that they placed on my credit and explained my situation to them that my personal information was comprise and used to open up this account without my consent and knowledge and it could have never happen.They had agree to deleted it from my credit reports which in fact I checked my credit a few months back and the collection was removed and now recently it has been added back and I asked that it be permanent removed because it is affecting my credit and me from being able to get to where I want to be in life and it is not fair from me to have to pay a debt that was not created on my behalf and someone else because the company allowed someone else to use my information to open an account with my consent which is not right to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was a victim of online fraud. I reported an unauthorized purchase for {$3300.00} on XX/XX/19 through XXXX to Chase Bank because the money was taken from my debit card account. I have messages of me asking the seller to cancel the order, the seller never answered back and sent me an empty package. I filled up a police report. I sent the police report, pictures of the package ( I also have a video of me opening the package ) and screenshots of the messages to Chase bank. However, they refused to give me that refund because they said that they had " evidence, '' I asked them to send it to me. I received a letter and the evidence they found was the tracking number. I had the tracking number from the beginning, but that is not evidence of anything. I did not purchase that computer on XXXX, and I also received an empty package. The pseudo company of XXXX is called " XXXX. '' Someone signed for that package, and it was not me or someone I know. The address they wrote was also different to my address. The seller ( XXXX ) is doing something completely illegal. My money was supposed to be safe there, but it was not. The bank is not helping me and instead is giving the money to a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please know that I was not late sending my payemnts to ..I wonder why Transunion report it as late when in fact payments were sent before the due date..They wont give me  concrete reason as to why they wont fix this..CFPB please step up and fix 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