vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Palmar, Inc.
State: NJ

Complaint narrative:
Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine! 

Please assist so that I will not have to pay for legal help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting to the credit agencies that my account is charged off. I disputed the accuracy of my account status with the Credit agencies. I also contacted XXXX XXXX XXXX who had stated that due to my account being past due in XX/XX/2017, they will not update my account status even though Im current. How can a company report the account as charged off but still have current payments. I am not past due on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine! 

Please assist so that I will not have to pay for legal help in this matter.

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 2018-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine! 

Please assist so that I will not have to pay for legal help in this matter.

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 2018-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
I received a letter from grant & weber on XX/XX/2018. The company sent me an itemized bill from XXXX XXXX XXXX saying that i owe XXXX and the interest is XXXX. This is a hippa violation and i plan to sue grant & weber if they do not delete this information off of my credit report. I also do not have a contract with grant & weber.

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 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I contacted the company and credit bureau regarding this account reporting incorrectly. They have ignored the fact that the information is inconsistent amongst the bureaus of XXXX and Equifax. XXXX removed it. I would like for this account to be remove because the INFORMATION IS INCORRECT AND THE ACCOUNT IS OVER 7 YEARS OLD. 

XXXX XXXX AUTO FIN - {$0.00} Closed Overview You've paid off 100 % of the original amount. 

Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$72.00} Opened XX/XX/XXXX ( 7 yrs, 1 mo ) Term months Payment History Last payment -- Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type -- Responsibility Individual Remarks Paid charge off Fixed rate Times XX/XX/XXXX days late XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: ID

Complaint narrative:
On the morning of MondayXX/XX/XXXX we were contacted by Capital One regarding potential fraudulent charges that someone was attempting on our account. We confirmed that indeed the charges in XXXX  for 3 airline tickets were fraud and to please decline the charges of {$1200.00} x 2 and {$1400.00} totaling {$3900.00}.

On Tuesday, XX/XX/XXXX we followed up with Capital One, rather than declining the purchase they posted it to our account. We were told that we are not responsible for the charges and they would be removed.

On Wednesday, XX/XX/XXXX we were told that it could take up to 72 hours for the charges to be removed, however, they would still be held against the credit on our account for 30-90 days while they were investigated.

Fast forward, XX/XX/XXXX, the charges are still posted to the account and have not been removed from the account. In fact, I was advised that the charges were not marked as fraudulent and they are still posted to my account as accepted charges.

Finally I was transferred to a person is the fraud department who has advised that they are now marking the transactions as fraudulent and it will take another 72 hours. Until my account is credited back funds for these charges ; however available credit will still reflect these charges. This affects my credit score.

This is the 2nd time airplane tickets were purchased against this account ( different card number ) by persons in another country. Capital One 's treatment of fraudulent charges is unacceptable. I am fortunate in that I do not need to use this credit now, but other persons going through this same process may not be as lucky.

What protocol does Capital One have in place to protect identities of its customers? We had our account compromised a few months ago ( twice ) and our cards replaced ( twice ) and this third time in less than 6 months really raises the question what the heck is going on with them. I feel, that by withholding the credit on my account till they can investigate, even though there is {$0.00} liability ( per them ) is tantamount to holding me hostage ; you know, in case they can not work out the charges with the vendor, they have a place holder so that they can try to squeeze the funds out of me ( what they told me last time ). If there is {$0.00} responsibility, they why are they holding up my credit, showing that I have charges of this amount against my account when I do not.

I hope that you will investigate. I can not be the only person this is happening to.

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19 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: TN

Complaint narrative:
The company refuses to remove late and the account is 7 years old. I would REQUEST REMOVAL OF THIS ACCOUNT FROM MY REPORT. 

Overview You've paid off 100 % of your student loan amount. 

Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 9 mos ) Term 120 months Payment History Youve made 33 % of payments for this account on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX 2013

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 2018-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX  completely botched XXXX  procedure. Result was XXXX, and loss of XXXX. Dentist dropped XXXX down my throat during extraction. I had to XXXX it. It is gone forever. I have offered to pay for all the dental services prior to the botched procedure. Creditor has refused to negotiate in good faith and are now threatening the credit of my co-signor. Last correspondence to them received no response. I have offered to pay for the work properly done. Roughly {$4500.00}. Creditor insists on trying to collect money for services improperly done, which brings the total to roughly {$10000.00}.

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 2018-03-19 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX Credit Acceptance received a certified letter requesting debt validation. Credit Acceptance responded by sending me documentation related to the vehicle I purchased. The provided information reflected the car was auctioned off & that I owed a balance of {$5400.00}. On XX/XX/XXXX Credit Acceptance received a XXXX certified letter from me stating that the XXXX XXXX XXXX XXXX XXXX XXXX ) was auctioned off WITHOUT a Content of Notice being provided which is required by the lender to notify the consumer of the intent to sell, the cost to redeem or reinstate the loan. Failure to do so is a violation of Texas Business & Commercial Code Sections 9.613 & 9.614. I requested Credit Acceptance to respond to my XXXX written request within 15 days. As of XX/XX/XXXX Credit Acceptance has not responded to my written requests.

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 2018-03-19 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: NY

Complaint narrative:
I notified both XXXX and Transunion that there is an incorrect late payment for XX/XX/2018 for my mortgage with XXXX with both credit reporting agencies. Both credit reporting agencies told me the information could not be changed because XXXX would not correct the information. I notified XXXX and was sent a letter from them verifying that I was NOT late for XX/XX/2018. I would like both my Transunion and my XXXX reports be updated to display the correct information on my credit reports immediately. In addition, since my scores on both reports dropped considerably because of this late notation, I would like to be rescored to reflect the updated information.

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 2018-03-19 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: NY

Complaint narrative:
I notified both Experian and XXXX that there is an incorrect late payment for XX/XX/2018 for my mortgage with XXXX with both credit reporting agencies. Both credit reporting agencies told me the information could not be changed because XXXX would not correct the information. I notified XXXX and was sent a letter from them verifying that I was NOT late for XX/XX/2018. I would like both my XXXX and my Experian reports be updated to display the correct information on my credit reports immediately. In addition, since my scores on both reports dropped considerably because of this late notation, I would like to be rescored to reflect the updated information.

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 2018-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: IL

Complaint narrative:
This complaint is targeted towards the lender who holds my loan, XXXX XXXX XXXX - the main problem is this lender is aggressively trying to foreclose this loan, despite me showing my ability to abide by a recently-terminated repayment plan - timeline below : Late XXXX : Borrower falls behind in Mortgage, due to unexpected dip in buisness revenue, combined with having to pay recently-hired staff out of personal funds ( held off Mortgage a few months in order to make payroll ) ; Early XXXX : Business revenue begins returning to prior levels, and laid off staff ( only use part-time 1099s now ), kept ( & continues to keep ) expenses low XXXX XX/XX/XXXX : Borrower tries to get loan modification on his own from lender XX/XX/XXXX : Lender rejects loan modifocation XX/XX/XXXX : Borrower contacts law firm for representation to get loan reinstated by lender XX/XX/XXXX : Lender rejects modification submited by law firm XX/XX/XXXX : Borrower meets w/law firm to begin bankruptcy preparation XX/XX/XXXX : Bankruptcy filed XX/XX/XXXX : Borrower completes credit counseling XX/XX/XXXX : Borrower begins bankruptcy payments to trustee ( has kept these current, even though amount has been adjusted upward 3 times ) ; XX/XX/XXXX : Borrower begins making mortgage payments to lender again ( did not realize when he should start, since statements are no longer sent ) XX/XX/XXXX : Lender informs Law Firm of payment defieciencies ; new agreement crafted with provisions to make up XXXX - XXXX misssed payments XX/XX/XXXX law firm informs borrower of new monthly requirements, borrower misses this update XX/XX/XXXX : Lender informs Law Firm of borrower 's failure to make up payment deficencies ; ( Borrower still making orginal payments every Month ) XX/XX/XXXX : Law Firm again alerts Borrower that Lender claims Borrower is failing to keep up with payments ; Borrower submits proof of payment ( XXXX - XXXX XXXX, still not realizing that additional monthy amout has been contractually agreed upon ; XX/XX/XXXX lender cancels agreement, moves forward with foreclosure process XX/XX/XXXX - Borrower finally realizes additional montly committment, asks law firm to contact lender to be allowed to bring agreement into complliance XX/XX/XXXX : Counsel for lender returns message that request to reinstate was denied Based on the latest calculations as of XX/XX/XXXX, a total of XXXX XXXX rough estimate, based on extra {$680.00} not being paid from XX/XX/XXXX - XX/XX/XXXX XXXX would bring the loan back current with the terms that were signed as of the XX/XX/XXXX agreement. The borrower is willing to reconcile this with one payment ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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:
I have actively disputed the account sold to XXXX. XXXX company in the amount of {$480.00}. This account was subsequently closed on XX/XX/2018, then removed from my credit file. 

On XX/XX/2018, the account reappeared from the same company with the same balance. It is now reporting on my credit file again as an " Open '' account. I received no further verification or notice of this account being added to my file after deletion. This is a violation of my rights. 

I am including a screenshot of my updated credit notification regarding this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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:
I have actively disputed the account sold to XXXX. XXXX company in the amount of {$480.00}. This account was subsequently closed on XX/XX/2018, then removed from my credit file. 

On XX/XX/2018, the account reappeared from the same company with the same balance. It is now reporting on my credit file again as an " Open '' account. I received no further verification or notice of this account being added to my file after deletion. This is a violation of my rights. 

I am including a screenshot of my updated credit notification regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I am writing this letter to request your assistance with keeping my home. I requested assistance from my lender but their Decision Letter ( Page 1, 3nd paragraph ) stated although I may have a hardship, I do not qualify for the Home owners Assistance Programs listed on their evaluation summary. XXXX See attached documentation. ) On XX/XX/XXXX, XXXX XXXX XXXX, my mother ( co-borrower ) on the loan passed away ( death certificate attached ). Prior to her passing we were on time with our payments. At that time, I made a request to my lender for assistance and was not offered a principal reduction to make my payments more affordable, but was given a modification. My mother and I were splitting the payments of the mortgage, utilities, and the Home Association Fees. We qualified for the home based on both of our incomes. 

REASONS FOR FALLING BEHIND : PHH graciously has offered me a modification, in the past, and I am very thankful. However, due to health related issues and a reduction of work hours I fell behind in my payments. This began to occur around XX/XX/XXXX. During that time, some weeks I worked XXXX hours and other weeks only XXXX hours. Health issues further caused me to get behind in my payments. In XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX, I was hospitalized and subsequently placed under Doctors care ( documentation for hospital stay and time off from work attached ). 

CHANGE FOR THE BETTER PERTAINING TO FINANCES & HEALTH : Currently, my circumstances have changed for the better. I have fully recovered from my illness and back to working a full XXXX hour work week. My employer is even allowing me to work overtime ; I have received a pay raise and bonus. I have also started renting out a room at my home again so I can maintain my mortgage payments even if my health starts to decline again. 

REQUEST : I request assistance with getting back on track with my payments, such as payment reinstatement and principal reduction. The balance on my loan is around {$410000.00} and I owe a little over $ 25k to get back on track with my payments. 

I am committed to keeping my home, but I need some financial relief with my mortgage, and any assistance you can provide would be greatly appreciated. 

Thank you for your assistance with this matter and let me know if you need additional documentation from me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RD Fuller Company, LLC
State: CO

Complaint narrative:
I am a XXXX XXXX with a child. I was forced to move based on threats by the XXXX XXXX who is under a XXXX XXXX. I notified the Company that manged the building that I was living in and assumed that they would understand and take the money from my deposit or an arranged work out.The unit was infested with bedbugs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: TX

Complaint narrative:
I received an alert this morning that a collection was added to my report. I've never heard of this company before. Never received any correspondence or calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation