vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Placed for collection: XX/XX/XXXX Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Retail) Past Due: >$XXXX< Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX. The Debt is being reported by the original creditor and the debt buyer at the same time. It is also being reported inaccurate as per information sent due to the dispute with XXXX by XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On 3 separate occasions I have submitted a formal complaint in writing to Experian requesting that all incorrect personal information be removed from my credit profile. I have sent a copy of my Drivers license and social security number with the correct Spelling of my name and that have refused to comply in removing XXXX XXXX XXXX and all accounts associated with that name as they do not belong to me

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 2017-12-12 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
TD auto finance has an auto loan showing as open, past due, & with a balance. I filed Chapter XXXX bankruptcy including the vehicle. They now have the vehicle. I notified them to have it updated but nothing has been done to correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX put a collection on my credit. I sent a request to them asking to verify the account. This has been going on for four months. I have sent several requests. They never sent anything yet they continue to put this on my credit. XXXX XXXX is not licensed or bonded to collect in my state. They are in violation of the Texas Finance Code Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 
They are also in violation of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: Lending Club Corp
State: TN

Complaint narrative:
XXXX XXXX XXXX has an auto loan showing as open, past due, & with a balance. I filed Chapter XXXX bankruptcy including the vehicle. They now have the vehicle. I notified them to have it updated but nothing has been done to correct.

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 2017-12-12 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: TN

Complaint narrative:
XXXX XXXX XXXX has an auto loan showing as open, past due, & with a balance. I filed Chapter XXXX bankruptcy including the vehicle. They now have the vehicle. I notified them to have it updated but nothing has been done to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
This number called me and knew my credit score and limit. 
XXXX They asked me to read out loud my credit card number. As I declined, they hung up. Please catch these scanners!

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

Complaint narrative:
Experian continues to report XXXX XXXX University for a debt that was settled for less than amount owed. I was informed through the settlement that the account would no longer be reported, however, Experian continues to add it in my report. XXXX XXXX is not reporting this on a monthly basis. The account is settled and should be removed from my credit report.

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 2017-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On several occasions dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have submitted a formal request in writing to Experian requesting that all incorrect personal information be removed from my credit profile. To this day they have refused to comply in removing the incorrect address XXXX XXXX XXXX XXXX XXXX XXXX va XXXX and any associated accounts to this residence from my report. I have sent a copy of my drivers license and social security for proof of residency I have also submitted my most recent recent certified mail using my correct address

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 2017-12-12 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 am Currently applying for a Mortgage. The Mortgage company sent me a copy of my credit report and all three credit bureaus ( XXXX, XXXX, TransUnion ) display : 39-SERIOUS DELINQUENCY 18- NUMBER OF ACCOUNTS WITH DELIQUENCY I have no delinquencies on any accounts and with this, there should be no " number of accounts with delinquency ''. This marks against my credit are completely untrue and unjustifiable to be on my report.

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 2017-12-12 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 am Currently applying for a Mortgage. The Mortgage company sent me a copy of my credit report and all three credit bureaus ( XXXX, Experian, XXXX ) display : 39-SERIOUS DELINQUENCY 18- NUMBER OF ACCOUNTS WITH DELIQUENCY I have no delinquencies on any accounts and with this, there should be no " number of accounts with delinquency ''. This marks against my credit are completely untrue and unjustifiable to be on my report.

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 2017-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was sent an offer from Chase CC for balance transfer. Contacted them on XXXX/XXXX/XXXX to initiate a balance transfer. I was told that I was qualified and the transfer would go through in a few days.It never went through and I was not notified. XXXX/XXXX/XXXX I called to question why it had not gone through and was told it got denied by their fraud department because they could not get a hod of me- although they never called. my phone records do not show that they called. They apologized and stated it would go through and to wait for a phone call form the fraud department. That call never came and it failed to go through again. Called on XXXX and spoke to several supervisors ( I have their names ) and one from their fraud department who told me that they put it through the fraud dept and that it would definitely be processed again. they apologized and said it would definitely go through. I have their names and am sure the phone call was recorded. By this point, i should have gone with another company but they assured me it would not be a problem. I called the next week and spoke with their customer service department who told me that it did go through and that they were waiting confirmation for the other recipients. I was told not to worry and it was definitely going through. Spoke with them again XXXX/XXXX/XXXX and was just told that it did not go through again blocked by their fraud department. My complaint is two fold : no communication when it was declined and promised on the third attempt that was their mistake and the it was now all set. I feel at this point that their negligence has cost me money and time and a lot of frustration. I would have pursued other means to address my financial dilemma but was told that it was taken care of. To me this constitutes false claims and misleading the public.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Armcon Corp
State: CA

Complaint narrative:
Per trying to resolve a debt the gentleman that I have spoken with on 2 occasions has been threatening, aggressive and never letting me resolve this debt, the interest etc, has sky rocketed and added more to the debt. 
He has hung up on me and refused to let me take care of this. 
This is unfair and I am not able to take care of debt and the amount keeps going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America encouraged me to open a credit card with them which they did while I was at the bank. I had recently moved so they sent a statement to the incorrect address. This meant I did not get this statement. They then marked my credit report as 30 days late which dramatically reduced my credit score. I brought this to the attention of XXXX XXXX who immediately was argumentative. She also said she would send the decision for reconsideration but I later found out she never did. She also never reported the results to me. I am now closing my long standing relationship with XXXX including emptying my safe box. I hope to never set foot in another XXXX again. This woman acted inappropriately.

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 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
my identity was stolen and the use it to open XXXX XXXX account and XXXX XXXX are charging me XXXX in late charges need to get this resolve to fix my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12 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: GA

Complaint narrative:
Experian is reporting a charged off account whose first delinquency was XX/XX/XXXX. They have not indicated on my report when the account will be removed yet the two other credit bureaus are removing the account in XX/XX/XXXX. At the latest this account should be deleted by XX/XX/XXXX. Ive disputed multiple times and Experian continues to report inaccurately. The date of Status is from XX/XX/XXXX so I dont believe that they are contacting XXXX regarding my disputed. Usually when a dispute is submitted, the date of status is current. The date of status they are reporting is from 2 years ago.

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 2017-12-13 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX is reporting a charged off account whose first delinquency was XX/XX/XXXX.  They have not indicated on my report when the account will be removed yet the two other credit bureaus are removing the account in XX/XX/XXXX. At the latest this account should be deleted by XX/XX/XXXX. Ive disputed multiple times and XXXX continues to report inaccurately. The date of Status is from XX/XX/XXXX so I dont believe that they are contacting Exeter regarding my disputed. Usually when a dispute is submitted, the date of status is current. The date of status they are reporting is from 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
On XXXX I was approved for a forbearance with select portfolio servicing. However, I was under the impression it was a modification which I later found out to be the forbearance. In XXXX of XXXX I was told my new payments were going to be roughly {$1500.00} a month. At that point I made my monthly payment in XXXX and XXXX. In the end of XXXX I was told I had the forbearance and I was behind in payments by the amount of {$4700.00}. At that time I considered refinancing my home, but was unsuccessful because the housing market had crashed. XXXX XXXX my payment amount begin to fluctuate around the amount of $ XXXX {$1700.00}. I contacted XXXX in XXXX of XXXX to start the modification process to save my home. I submitted all of the required documentation that was need in XXXX and again in XXXX. I was told by XXXX that my modification was approved and all my documentation was sufficient. I was placed on a trial payment plan in XXXX of XXXX in the amount of {$1400.00} ; I made all the required payments in XXXX, XXXX and XXXX ( all payments were automatically withdrawn from my bank account. ) On XXXX XXXX, XXXX I received a letter from XXXX stating that my modification was approved and new payments were to begin on XXXX XXXX. I just needed to sign the loan modification agreement by XXXX XXXX XXXX ; which I did on XXXX XXXX. I submitted the signed documentation by fax on XXXX and originals by FedEx on XXXX. On XXXX XXXX I was contacted by XXXX and was told that my divorce decree was not sufficient. This is the part that I am confused on, because in XXXX and XXXX my divorce decree was used at that time but now I am being told that it is not sufficient to complete my modification ( which was already approved ) and they have now stated they will denied my modification and start the foreclosure process on my property. I have tried to contact them to see what is the issue with my divorce decree and have spoke with several managers and was told " there is nothing we can do '' and then have been hung up on. I asked if I may file a complaint, I was told they do not do compliant. I spoke with XXXX XXXX XXXX and XXXX XXXX. XXXX has stated my past due amount is {$6900.00} as of XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX #XXXX****
XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Placed for collection: XX/XX/XXXX Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Retail) Past Due: >$XXXX< Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX. The Debt is being reported by the original creditor and the debt buyer at the same time. It is also being reported inaccurate as per information sent due to the dispute with XXXX by XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
DIVERSIFIED CONSULTNTS #XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) XXXX Placed for collection: XX/XX/XXXX Responsibility: Individual Account
Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Cable/Cellular) Past Due: >$XXXX< Pay Status: >In Collection< Remarks: >PLACED FOR COLLECTION<

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX and XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX Online payment system is very cumbersome and not intuitive. This has led to 30day late payment reported to the credit agencies.

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 2017-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX I made a payment of {$300.00} that wasnt accepted do to wrong information on my behalf, I wasnt aware of it until the XX/XX/XXXX payment. When XX/XX/XXXX came around my payment was considered late with late charges. My account was closed due to those situations. I accepted the account being closed, the problem is I wasnt aware til later about the information this negative remark is holding me back from closing on a house. They are not willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase chose to shutdown my Chase XXXX XXXX on XXXX XXXX, 2017. They sent a letter in the mail with the shutdown and did not provide a reason. I have attached a copy of the letter that was sent me. 

The main text describes : " After careful consideration, we closed your credit card account on XXXX XXXX, 2017, because our affiliate is ending its banking relationship with you. '' There was no more details about the shutdown In my XXXX years as a customer all payments were made to the card, the account was delinquent in any way. 

I would to speak to a representative from the XXXX XXXX to see if I can provide any information to adjust or change this situation. I was a proud and happy customer using the Chase XXXX for my everyday business needs.

Company response to consumer: Closed with explanation