vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 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: NY

Complaint narrative:
I received an updated credit report today XX/XX/18 from XXXX  now they have listed XXXX XXXX XXXX XXXX twice as a charge off on my report. I am fed up as I cant get any help with XXXX  correcting this. This account I disputed several times because it was confirmed to be removed off my report now its listed two times. Which affects my credit score in a negative way. Also XXXX XXXX XXXX was to be deleted as well but is still appearing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I was notified last year when attempting to purchase a home that this collection from a company that purchased my old apartment complex was attempting to collect. I do not have an account with this new company that purchased the apartment complex and assumed all its debt. I never had a rental agreement with this new company either. I moved out of XXXX XXXX XXXX in XXXX and this new company bought XXXXXXXX in XXXX. I had no further contact until XXXX when my credit report stated this debt was being collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Foreclosed on my property while going through trying to get a repayment plan or some kind of help to prevent foreclosure. And they prolonged my paperwork. I have asked to reinstate my loan and they tells me its nothing they can do and I know it is I have called numerous of times begging for them to get it straight I feel like the escalation team did not do a complete review in my account cause if they did they could see I have been dealing with this since XXXX of 2017. I felt like I was being prolong on writing hardships explaining why Im having large sump of being debiting into my account where they can clearly seeing coming from my work place they have the bank statement and my paycheck stub with the same amounts I have worked day in day out to get this account straight. Shellpoint mortgage service had me writing so many hardship letters on stuff that they had from the judge about child support just crazy stuff. They knew exactly what they was doing and as for XXXX XXXX whose suppose to be my case worker didnt know anything he couldnt even tell me what was a I unapplied balance was. Thank to XXXX XXXX she explained it to me and couldnt believe what Shellpoint has done and clearly they seen I was trying to avoid this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I've recently checked all 3 credit reports and have seen a new collection which was paid in full by XXXX XXXX XXXX which was my insurance provider at the time of visit. This bill is inaccurate and I wish that y'all would take the proper actions to resolve this matter and contact the 3 credit bureaus to fix the inaccuracy on the reports. This fraudulent debt is from XXXX this is XXXX. I don't understand if it was accurate why would they put this debt on my reports without notifying me. Fraud Please fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I am making my monthly payments and they keep reporting that I am 30 days late every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: CA

Complaint narrative:
I only have one student loan and Equifax is showing it four times with incorrect information. Three times as my loan is in deferment and one that I am past due. The past due is a duplicate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
After reviewing my credit report i found that they had picked up 2 accounts from XXXX XXXX that were opened in XX/XX/XXXX. They have reported the debt on both opened XX/XX/XXXX. Both of these have exceeded their statute of limitations. I tried to talk to them on the phone but they have threatened legal action up to and including being put in jail. I ask that they cease and decist and remove the remarks from my credit reports as well as receive payment for the maximum amount allowed by law for punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: OK

Complaint narrative:
I had my bank make a {$100.00} electronic payment to Capital One on XX/XX/XXXX. It was posted to my bank account on XX/XX/XXXX. As of XX/XX/XXXX it has not posted to my Cap One Acct. They now consider my acct past due and have suspended it. Four phone calls including one with my bank on conf, one chat session and 11 people and 4 days and I know no more now than when I started

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
This creditor is reporting negative debt against my credit report and has refused to delete it. This creditor is in violation of several consumer credit rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
1. REGISTER LETTER NUMBER ( S ) : XXXX XXXX US ; XXXX XXXX XXXX XXXX US ; XXXX XXXX XXXX XXXX US ; XXXX XXXX XXXX XXXX US. 

( A ) SERVICED ON THE ENTITY : XXXX XXXX  ; XXXX XXXX XXXX ; XXXX, PA XXXX.

2. CERTIFICATE AND PROOF OF SERVICE ACCOUNT TRACKING NUMBER ( S ) XXXX ... XXXX ... 

( A ) ENCLOSURES : NOTICE OF RESCISSION ; AFFIDAVIT OF FORGERY ; LOAN DEBT VALIDATION REQUEST ; NOTICE TO CURE 3. REPORTING AGENCY HAS DEFAULTED ON ANSWERING THE VALIDATION DEMANDS AND THEREFORE MUST REMOVE THE MISTAKE FROM THE RECORD.

4. THIS ERROR IS AN INJURY AND TRESPASS ON THE HOLDERS CREDIT INTERESTS. WE REQUIRE A REMEDY.

5. ALL CLAIMS ARE REGISTERED, CERTIFIED, AND TENDERED TO ALL PARTIES INCLUDING FEDERAL AND STATE AND MUNICIPAL PUBLIC/COMMERCIAL EMPLOYEES -- - CORPORATE STATE OF CALIFORNIA.

4 ( A ) PLEASE SEE THE ATTACHED DOCUMENT : RETURN_RECEIPT.

6. KNOW THAT ... THE ATTACHED CERTIFICATES AND PROOF OF SERVICE ARE EVIDENCE OF CLAIMS FILED.

7. NO PERSON/MAN/WOMAN HAS PROVEN THE LOAN AGREEMENT.

8. WE REQUIRE DISCHARGE AND DISPOSAL BECAUSE THE LOAN IN QUESTION IS CAUSING A FALSE AND INJURIOUS REPORT ON THE PERSON AND THE HOLDER 'S RIGHT IN INTERESTS.

9. UNDER PENALTY OF PERJURY ; WITHOUT PREJUDICE ; ELECTRONIC SIGNATURE BY HOLDER/OWNER OF NAME : XXXX XXXX XXXX, ALL RIGHTS RESERVED WITHOUT RECOURSE.

10. NOTICE U.S. CODE : TRUTH IN LENDING ACT -- 5.1635. Right of rescission as to certain transactions. ( a ) Disclosure of obligor 's right to rescind a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission. When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: CA

Complaint narrative:
1. REGISTER LETTER NUMBER ( S ) : RE XXXX US ; RE XXXX XXXX XXXX US ; RE XXXX XXXX XXXX US ; RE XXXX XXXX XXXX US. 

XXXX A ) SERVICED ON THE ENTITY : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, PA XXXX. 

2. CERTIFICATE AND PROOF OF SERVICE ACCOUNT TRACKING NUMBER ( S )  XXXX ... XXXX ... 

( A ) ENCLOSURES : NOTICE OF RESCISSION ; AFFIDAVIT OF FORGERY ; LOAN DEBT VALIDATION REQUEST ; NOTICE TO CURE 3. REPORTING AGENCY HAS DEFAULTED ON ANSWERING THE VALIDATION DEMANDS AND THEREFORE MUST REMOVE THE MISTAKE FROM THE RECORD. 

4. THIS ERROR IS AN INJURY AND TRESPASS ON THE HOLDERS CREDIT INTERESTS. WE REQUIRE A REMEDY.

5. ALL CLAIMS ARE REGISTERED, CERTIFIED, AND TENDERED TO ALL PARTIES INCLUDING FEDERAL AND STATE AND MUNICIPAL PUBLIC/COMMERCIAL EMPLOYEES -- - CORPORATE STATE OF CALIFORNIA. 
4 ( A ) PLEASE SEE THE ATTACHED DOCUMENT : RETURN_RECEIPT.

6. KNOW THAT ... THE ATTACHED CERTIFICATES AND PROOF OF SERVICE ARE EVIDENCE OF CLAIMS FILED.

7. NO PERSON/MAN/WOMAN HAS PROVEN THE LOAN AGREEMENT.

8. WE REQUIRE DISCHARGE AND DISPOSAL BECAUSE THE LOAN IN QUESTION IS CAUSING A FALSE AND INJURIOUS REPORT ON THE PERSON AND THE HOLDER 'S RIGHT IN INTERESTS.

9. UNDER PENALTY OF PERJURY ; WITHOUT PREJUDICE ; ELECTRONIC SIGNATURE BY HOLDER/OWNER OF NAME : XXXX XXXX XXXX, ALL RIGHTS RESERVED WITHOUT RECOURSE. 





10. NOTICE U.S. CODE : TRUTH IN LENDING ACT -- 5.1635. Right of rescission as to certain transactions. ( a ) Disclosure of obligor 's right to rescind a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission. When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.

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 2018-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
This creditor is reporting negative debt against my credit report and has refused to delete it. This creditor is in violation of several consumer credit rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I paid the settlement offer on this account on XX/XX/2018. They will not close the account or updated the XXXX balance to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This creditor is reporting negative debt against my credit report and has refused to delete it. This creditor is in violation of several consumer credit rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: FL

Complaint narrative:
I have been a victim of identity theft. I am a single mother who is also an XXXX. 
This damage to my life has caused my little XXXX XXXX   additional damage. 
I have filed a police report and used your Federal Trade Commission affidavit. 
I feel all alone here. 
These companies like XXXX XXXX, XXXX and Experian are reporting things against me they can not substantiate. 
What can I do?

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 2018-05-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My XXXX XXXX XXXX was showing current with no late payments in XX/XX/XXXX. now it is showing that i have two late payments. One in XX/XX/XXXX and one in XX/XX/XXXX. How can they report incorrect information that they say took place last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I paid the settlement offer on this account on XX/XX/2018. They will not close the account or updated the XXXX balance to the 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 2018-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a victim of identity theft. I am a single mother who is also an XXXX. 
This damage to my life has caused my little XXXX XXXX   additional damage. 
I have filed a police report and used your Federal Trade Commission affidavit. 
I feel all alone here. 
These companies like Trans Union, XXXX  and XXXX are reporting things against me they can not substantiate. 
What can I do?

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 2018-05-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of identity theft. I am a single mother who is also an XXXX. 
This damage to my life has caused my little XXXX XXXX   additional damage. 
I have filed a police report and used your Federal Trade Commission affidavit. 
I feel all alone here. 
These companies like XXXX XXXX, Equifax and XXXX  are reporting things against me they can not substantiate. 
What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: NY

Complaint narrative:
Just tried to submit a dispute online again with experian for the XXXX XXXX XXXX XXXX union account and XXXX XXXX XXXX that has fraudulent charges on it. Experian will not allow me to re-dispute again. It is my right to submit as many disputes I want for information that dont belong on my credit report. Message said they will not re-dispute this information for me. This is completely wrong

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 2018-05-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
once again Equifax reported reporting an account as current all last year and then this year they are reporting it late for a whole year. My XXXX XXXX account was reported as current all year in 2017 and now they are reporting it as late the whole year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: Convergent Resources, Inc.
State: NV

Complaint narrative:
I have had several messages left in my voicemail box stating that I will be served with legal papers to my address on record. I spoke with a representative from XXXX XXXX XXXX  and made a request for original contracts and agreements to be sent to me at my address detailing the debt that they claim I owe. I have not received anything showing that I owe the funds other than repeated calls at times as early as XXXX XXXX XXXX in the XXXX. XXXX XXXX XXXX has also damaged my credit by placing the amount of {$680.00} as a delinquent collection account which is adversely lowering my credit score and preventing me from qualifying for a mortgage program.

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 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I had 2 tax Liens that fell off my report and only gained 4 points. Each negatively reporting tax lien is worth 30 points each my score should have risen by 60 points. Nothing else on my report changed but that so it should have increased. Also my second complaint is they removed a positive tradeline without me requesting it. The company is Transunion and the 2 tax lien were  removed betweenXX/XX/XXXX & XX/XX/XXXX My score before the removal via XXXX XXXX  was XXXX after the removal my score went to XXXX with no other negative changes. I believe I didn't receive all the points I should have received. The second issue they also removed a positive tradeline which was XXXX XXXX XXXX betweenXX/XX/XXXX -XX/XX/XXXX causing my score to drop to XXXX. 

Tax Lien account # XXXX Tax Lien account # XXXX Please see screenshot attachments

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 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX    XXXX XXXX XXXX XXXX.XXXX. XXXX   XXXX XXXX, XXXX XXXX Thursday, XX/XX/2018 Dear Sir or Madam : The same debt is being reported on my credit file twice. The account numbers are different, but the amount and the original debt is the from the same company : XXXX XXXX XXXX {$690.00}, acct # XXXX XXXX XXXX {$690.00}, acct # XXXX Two lenders own one debt? That seems like a double jeopardy. Whom do I pay off if I owe two entities for the same debt? I've already disputed it with XXXX, XXXX, and XXXX, and still no one is recognizing that the same debt can not be owed twice simultaneously. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had an unauthorized transaction on my debit card account. and BBVA Bank refuses to credit my checking account. They always want to take the side of the merchant instead of their own customers. This is a terrible bank and nobody should do business with them.

Company response to consumer: Closed with monetary relief