vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Recently I submitted a complaint around XXXX this year regarding Capital One. ( Capital One Case:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Basically they are accusing me of {$500.00} of non returned checks back in XXXX. When I just started working in XXXX, the month before.Maybe this occurrs with some people, but not me.And I've prompted and initiated an investigation within their fraud dept. to not only clear my name, but bring this account current to what I truly owe.In case I wasn't clear.Because up until this situation, I've always paid my debts.Well I am back now to submit another complaint because Capital One has raised their Apr sometime after I submitted the initial complaint, making it impossible for me to pay this debt off. I've even tried paying over a hundred dollars at their request just to be done with it and it didn't even put a dent in it.Because they informed me my {$50.00} wouldn't be enough.Then they turned around and informed me by email that my {$50.00} was late. And on XX/XX/XXXX a XXXX XXXX reached out to me by XXXX  XXXX, explaining to me that ( as we discussed on our phone call, on XXXX XXXX, your account was restricted due to history of unreturned checks on the account.And that unfortunately, we are unable to reverse the restrictions and the account will remain closed ) .I had just lost my mom XXXX XXXXTherefore I personally and emotionally had a lot going on.As far as having time to respond to this situation in a timely matter.As well as process it.Basically nothing changed.In fact one of their reps told me she didn't see any unreturned checks.And proceeded to tell me the {$50.00} was not enough for payment.And that I owed over $ XXXX.I 'm just needing some resolve from this.Banks and other corporations should not be able to do stuff like this legally and especially after you make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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 mailed 2 certified letter and 2 regular letters t have the incorrect information removed from my file to no avail. Please remove the incorrect information from my file at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: I.C. System, Inc.
State: AL

Complaint narrative:
IC Systems collection is reporting a collection on a balance of XXXX that is incorrect. First the account has been settled with XXXX XXXX XXXX XXXX XXXX and I have the letter that the account is closed and settled. It was a XXXX/XXXX bill. IC Systems is still trying to collect on the same closed account and the balance is not only incorrect, but I called them 4 times in the last 30 days to try to get them to correct it as well as disputing with XXXX. IC Systems continues to notify XXXX   the information is correct. Even after me providing the closed and settled account letter from XXXX. XXXX has acknowledged the account is closed and settled. Even though IC Systems is taking their time resolving the collections on my credit report, the amount is incorrect. Even when I log into IC Systems web page it still tries to collect the wrong amount as well as the settlement offered is higher than than the actual balance owed. It took XXXX  a year to finally admit that I they have had my equipment returned and finally credited my account. I still owed a balance of {$370.00}. IC Systems is reporting I owe {$610.00} and offers a settlement of {$480.00}. This is the only collection I have against me and it is being unfairly and wrongfully being reported. IC Systems contact is XXXX XXXX XXXX  XXXX, XXXX XXXX, MN XXXX. The reference number is XXXX. The account number associated with the XXXX   account is XXXX. IC Systems has caused me undue hard and unfair damage to my credit report after repeated attempts to have them resolve it.

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 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Loan South Finance & Tax Service of Troy, LLC
State: GA

Complaint narrative:
Equifax is reporting old accounts that should no longer be on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: NV

Complaint narrative:
Ive just reviewed my credit report and noticed there are several inaccurate late items on my report. I have been a victim of identity theft and have contacted all three Credit Bureau 's and nothing have been resolved. I have opened cases each month for the last 10 months as well and nothing. There are student loans that were falsely opened in my name as well as late payments being reported.

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 2020-08-30 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 refuses to fairly and accurately depict my account correctly. I have never paid this account late. XXXX XXXX admitted that they were sending my bill to the wrong address. They admitted this and agreed to correct this mistake.

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 2020-08-30 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
This debt does not belong to me. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: FL

Complaint narrative:
XXXX XXXX refuses to fairly and accurately depict my account correctly. I have never paid this account late. XXXX XXXX admitted that they were sending my bill to the wrong address. They admitted this and agreed to correct this mistake.

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 2020-08-30 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: FL

Complaint narrative:
XXXX XXXX refuses to fairly and accurately depict my account correctly. I have never paid this account late. XXXX XXXX admitted that they were sending my bill to the wrong address. They admitted this and agreed to correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: MA

Complaint narrative:
Hello, and how are you? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies and incomplete information on my credit report from the 3 major credit bureaus from the student loan XXXX. This account cant possibly have been verified because the status update date has not changed, and there are 3 different open dates reported, and 3 different dates of last activity dates reported. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-08-30 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: MA

Complaint narrative:
Hello, and how are you? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies and incomplete information on my credit report from the 3 major credit bureaus from the student loan XXXX. This account cant possibly have been verified because the status update date has not changed, and there are 3 different open dates reported, and 3 different dates of last activity dates reported. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-08-30 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: VA

Complaint narrative:
This debt does not belong to me. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lincoln Educational Services Corporation
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a  complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lincoln Educational Services Corporation
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Loan originally signed with XXXX XXXX company, XX/XX/XXXX. 
Loan was transferred to XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. 
Green Tree Servicing LLC acquired my loan from XXXX. I applied for a loan modification due to a hardship on XX/XX/XXXX with Green Tree Servicing LLC. In XXXX, my loan was changed from 30 year fixed to a 40 year fix without my knowledge nor consent.

DiTech Financial, purchased Green Tree Servicing LLC, then XXXX of this year my loan was transferred to XXXX XXXX. I attempted to refinance my loan to a 15 year fixed at a lower rate, loan officer with XXXX XXXX advised me of my 40 year fixed loan. I retrieved ALL of my mortgage documents to do a full review. I discovered Green Tree Servicing LLC abused multiple homeowners/borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have called multiple times and have spoken with multiple employees to try to get modification papers mailed out to me so I can apply for a modification. I'm in a chapter XXXX bankruptcy, and am being told that I am not able to receive modification papers directly. They have to be sent to my lawyer, who is to then forward them to me. Though my lawyer tells me this shouldn't be the case, Mr. Cooper persists that it's their rule. They said the papers were sent to my lawyer the 1st week in XX/XX/2020, but my lawyer states otherwise. I called recently, XX/XX/XXXX and spoke with a Mr Cooper employee who stated they faxed the paperwork to my lawyer. I advised that my lawyer doesn't have a fax machine, they are completely paperless and can only receive emails. The employee advised me they are not allowed to send emails and persisted there is nothing else she can do to help me. I requested a supervisor, and was put on hold to be left there. I need modification papers ASAP and am unsure why Mr Cooper is so unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: MA

Complaint narrative:
Hello, and how are you? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies and incomplete information on my credit report from the 3 major credit bureaus from the student loan XXXX. This account cant possibly have been verified because the status update date has not changed, and there are 3 different open dates reported, and 3 different dates of last activity dates reported. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Up on trying to obtain an application for a apartment my credit was ran, only to find that a number of accounts was one my report that does not belong to me or any one that I know. I contact those creditors make them aware that those accounts was not mines but only to get no cooperation from none, this is posing a major problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Up on trying to obtain an application for a apartment my credit was ran, only to find that a number of accounts was one my report that does not belong to me or any one that I know. I contact those creditors make them aware that those accounts was not mines but only to get no cooperation from none, this is posing a major problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: ID Analytics, Inc.
State: VA

Complaint narrative:
Incorrect credit score rating

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Jim Bottin Enterprises, Inc
State: IL

Complaint narrative:
ABC financial XXXX XXXX XXXX XXXX is charging me for services I never received from XXXX XXXX. This account is 3 years old. First I was charged {$400.00} XX/XX/2018. For a membership I did not receive. Now They want to charge me {$800.00}. The gym was XXXX XXXX   XXXX XXXX XXXX. XXXX, Il. XXXX. Both parties refuse to talk.

Company response to consumer: Closed with explanation