vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-01 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: HEARTLAND PAYMENT SYSTEMS INC
State: WA

Complaint narrative:
I signed up for recurring ACH payments to take care of my perkins loan balance on XX/XX/XXXX. the XXXX XXXX confirmation # is Heartland ID : XXXX. 

These payments proceed without issue until my final payment. Heartland cancelled my recurring payments without my authorization and without notification a year and a half later on XX/XX/XXXX. 

My final payment was never deducted, I was not notified of an outstanding balance, and I was eventually placed into collections in XX/XX/XXXX. I was only made aware of an issue when I applied for a mortgage loan and was told there was an outstanding collection balance and late payments bringing my credit score down with XXXX XXXX. 

I attempted to rectify the situation with the servicer who told me that they tried to call me once the payment wasn't received and left a message. I obtained my phone records for the time that they claim and there is no record of a missed call, a received call, or voicemail from them on that date, or any other date. 

I inquired why my recurring payment was stopped, and I was told it automatically cancelled after a year which is inaccurate because they have almost a full year and a half of payment records from me on a recurring agreement. 

I believe there was some sort of clerical error within XXXX XXXX and instead of taking ownership, they are blaming me. 

I have phone records, and I have recurring payment enrollment receipts showing I made every attempt to pay this debt off in good faith. There is no verbiage on their website, or within my registration receipts that substantiate a claim of only 1 year term on the recurring payment structure. 

I have paid this in full, but due to their clerical errors would like the erroneous reporting of a late payment and collection removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: FL

Complaint narrative:
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, PA XXXX {$4900.00} Per Credit Report this account was first reported in XX/XX/XXXX. I have filed several dispute since then asking for validation of debt and have gotten no result from experian, XXXX, or XXXX. No documentation has been given you, was simple just sent a generic letter stating that information was verified to be true. As recent as XX/XX/XXXX, I did a dispute and received the same result from all three credit bureau. I need to get this resolve.

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 2018-09-01 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: FL

Complaint narrative:
XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX, PA XXXX {$4900.00} Per Credit Report this account was first reported in XX/XX/XXXX. I have filed several dispute since then asking for validation of debt and have gotten no result from XXXX, XXXX, or transunion. No documentation has been given you, was simple just sent a generic letter stating that information was verified to be true. As recent as XX/XX/XXXX, I did a dispute and received the same result from all three credit bureau. I need to get this resolve.

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 2018-09-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX {$4900.00} Per Credit Report this account was first reported in XX/XX/XXXX. I have filed several dispute since then asking for validation of debt and have gotten no result from XXXX, equifax, or XXXX. No documentation has been given you, was simple just sent a generic letter stating that information was verified to be true. As recent as XX/XX/XXXX, I did a dispute and received the same result from all three credit bureau. I need to get this resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX has been non-compliant with removing the unverified account BANK OF AMERICA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account CHASE MTGwhich has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE MTG was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account WELLS FARGO CARD SER which has been deleted by XXXX XXXX XXXX XXXX XXXX XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-09-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: CA

Complaint narrative:
XXXX XXXX XXXX is now reporting a collection account on my report without given a notice to dispute account. Also Im being called by their collection department every day they are harassing me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX is now reporting a collection account on my report without given a notice to dispute account. Also Im being called by their collection department every day they are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: Credit Karma, LLC
State: IL

Complaint narrative:
I have never received a loan before by any agency, ever in my life. I have never had a credit card and every attempt that I have made to get my financial reports has been denied or seemingly altered. I have tried using credit karma, XXXX, and XXXX, so far with no success. I do not know of the extent of the compromisation of all of my financial involvements and I do not know who is involved or who could have possibly been involved. Today is the first time that I have tried to get any type of information about any compromises with any of my financial involvements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
The debt was made back in XX/XX/XXXX and it's not mines. It's XXXX XXXX and I'm currently in bankruptcy. I didn't make this debt and I'm trying to dispute it off two of my credit reports. It's like an identity theft of someone. I have no idea of XXXX XXXX The collection is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The debt was made back in XXXX and it's not mines. It's XXXX XXXX and I'm currently in bankruptcy. I didn't make this debt and I'm trying to dispute it off XXXX of my credit reports. It's like an identity theft of someone. I have no idea of XXXX XXXX. The collection is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: IL

Complaint narrative:
I have never received a loan before by any agency, ever in my life. I have never had a credit card and every attempt that I have made to get my financial reports has been denied or seemingly altered. I have tried using XXXX XXXX, Equifax, and XXXX, so far with no success. I do not know of the extent of the compromisation of all of my financial involvements and I do not know who is involved or who could have possibly been involved. Today is the first time that I have tried to get any type of information about any compromises with any of my financial involvements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have never received a loan before by any agency, ever in my life. I have never had a credit card and every attempt that I have made to get my financial reports has been denied or seemingly altered. I have tried using XXXX XXXX XXXX, and XXXX, so far with no success. I do not know of the extent of the compromisation of all of my financial involvements and I do not know who is involved or who could have possibly been involved. Today is the first time that I have tried to get any type of information about any compromises with any of my financial involvements.

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 2018-09-01 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: CA

Complaint narrative:
XXXX XXXX - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them. 
Original creditor is XXXX XXXX XXXX- shows as open account on XXXX and Equifax as well as XXXX XXXX, how can they both be open? XXXX  fixed that with dispute. XXXX didnt update after disputing, Equifax has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports. 
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with XXXX ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. XXXX and Equifax are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through Equifax they claimed to delete and it still appears. My score is over 80 or more points less with Equifax, and 40 with XXXX due to these specific errors. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've been attempting to resolve my credit file with Experian the last 6 weeks. Initially, my FICO was XXXX. Working with this agency CFPB, I've resolved 3 of 4 potentially negative Experian reflected on my credit report. In each case, Experian had misinformation regarding my file reflected ... XXXX XXXX , XXXX XXXX and XXXX XXXX . All issues were resolved with not a penny ligitimately owed from me. I have one other negative issue I've submitted to CFPB with loads of supporting documentation I believe will exonerate me from that misreporting as well. I spoke live to an Experian rep yesterday, as well as numerous times over the last 6 weeks abut my file and score. 
Experian is under reporting my existing credit by {$10000.00}, which, if accurately reflected would lower my credit ratio from 11 % to 7 %. My debt to income ratio is 1 % according to Experian. 
Given all the resolution work I've completed with all the incorrect reporting, my score now sits at XXXX with Experian. I am a small business owner and potential clients typically pull my credit score in evaluating using my company. This ridiculous low score, coupled with the absolute, unchecked, power the credit bureaus hold over so many aspects of our lives today by publishing incorrect and damning info on our credit reports borders on criminal. I've got a 34 year history of credit for mortgages, autos boats, credit cards ... ..never a late payment or collection. Experian counts this as irrelevant in their analysis on my score which is absurd as it documents clearly the fact I pay my bills on time, over an extended period of time.

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 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them. 
Original creditor is XXXX XXXX XXXX- shows as open account on TU and XXXX as well as XXXX XXXX, how can they both be open? XXXX  fixed that with dispute. Transunion didnt update after disputing, XXXX  has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports. 
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with XXXX ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. TU and XXXX  are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through XXXX they claimed to delete and it still appears. My score is over 80 or more points less with XXXX, and 40 with TU due to these specific errors. Thank you for your time.

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 2018-09-01 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them. 
Original creditor is XXXX XXXX XXXX- shows as open account on XXXX and XXXX XXXX well as XXXX XXXX, how can they both be open? XXXX fixed that with dispute. XXXX didnt update after disputing, XXXX has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports. 
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with BOW ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. XXXX and XXXX are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through XXXX they claimed to delete and it still appears. My score is over 80 or more points less with XXXX, and 40 with XXXX  due to these specific errors. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens bank continues to take money off of me for a service fee but failed to tell me they were even taking any money from my account! 
I want my XXXX cents back from them and then to completely close the account, get my money out while I close my account and be done with that bank indefinitely

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Back in XXXX I had an offer on my house to sell it. I am in a Chapter XXXX bankruptcy. I requested a payoff amount from Ditech Financial and they provided me one that was incorrect. I sent notification of my concern to Ditech. I used the payoff amount anyway and wanted to settle up after the close rather than delay. The closing was postponed until XX/XX/XXXX. I requested another payoff and the Ditech then sent a letter to the court saying wanted a hearing to make sure that I was selling the house for more than the mortgage which was a delay tactic since they had the signed offer and they knew what my mortgage was. They requested the hearing and it was set 2 days after my closing date! The buyers backed out and I was left with lots of expenses. I got a letter shortly after that from Ditech saying that they were in error on the first payoff and I was correct with my numbers. 
I have another offer on my house and I requested the payoff 30 days ago and have received nothing. I called this past week and they said they could not send me the payoff it had to go to my lawyer? This is after they had already sent me directly payoff information. I am being ruined financially and my wife is on the verge of a nervous breakdown. it is obvious that they are doing this with purpose and malice. What can I do. I am also giving all of the money I get from the closing to discharge the bankruptcy. So this is action by Ditech is preventing me from doing that as well. This is predatory. What can I do? I just want out and get on with my life. Please warn people about Ditech

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation