vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Re : Credence RM This company was asked by XXXX as well as myself numerous times to remove their claim from my credit report. I owed a balance to XXXX in XX/XX/2017 and I paid the balance in full to XXXX. The company called Credence placed a negative mark on my credit report stating I owed and paid them, not correct. The original creditor requested them to remove this claim. This continues a year later to show up. Credence has caused me damage both in obtaining a mortgage and has cost me job opportunities. This must be removed it is a false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXX continues to repost and report inaccurate information from an accident that occurred over 5 YEARS AGO. At that time XXXX admitted to me the client that it was not my fault, and that i shouldn't have been at fault after they did a second investigation. They had advised me it was too late as they had already paid the other driver and that i should go ahead and sue them. This was coming from a XXXX employee. Well, they removed the information a few years ago since it was reporting inaccurately. Just recently they readded this information to my LexisNexus report, which is causing issues for me to be able to get insurance and is causing several other issues. I believe this information is not only being inaccurately reported. The police officer left the scene when i was in an ambulance and covered up the other driver running a stop sign. XXXX removed the information because they agreed it was inaccurate and false. I have attempted to work with XXXX and LexisNexus. LexisNexus reports this information as updated yet it's still showing on there and advised me to contact statefarm. It's a back and forth cycle i want this information corrected. As Information shouldn't be on a report past 5 years anyways. Per Texas state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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:
On or aboutXX/XX/XXXX XXXX XXXX  ( XXXX  ) fraudulently filed an assignment of mortgage with XXXX XXXX ( XXXX XXXX XXXX   County bbl : XXXX XXXX XXXX ). At no time was XXXX  the owner or assignee of the Note. XXXX assigned the Note fraudulently, unlawful and or illegally to XXXX XXXX National Association ( XXXX XXXX  ).

On or aboutXX/XX/XXXX XXXX XXXX filed a foreclosure action against me. Pursuant to my filing a Motion to Dismiss the foreclosure due to a lack of standing the XXXX Supreme Court dismissed the action on or about XX/XX/XXXX.

Since XX/XX/XXXX XXXX has been reporting to the Credit bureau that the " account '' is past due and in foreclosure. This is totally incorrect. I have been trying to resolve the issues with XXXX.

The lender, XXXX was closed by the Office the Comptroller of the Currency onXX/XX/XXXX.

On or about XX/XX/XXXX a TILA Notice of Rescission was sent toXX/XX/XXXX and also registered with the XXXX   XXXX. There were no timely action or any action taken by XX/XX/XXXX to set aside the Rescission. XX/XX/XXXX has failed to act as directed by the Statute 15 U.S. Code 1635. The transaction was not consummated and no disclosures were sent and or received.

I am seeking your help to have XX/XX/XXXX cease and desist their credit reporting, and to return the voided note and mortgage if they are in their possession.

A cease and desist letter was sent toXX/XX/XXXX to stop paying Real Estate Taxes and Insurance as they do not have my authority to do so. A cease and desist letter was also sent to XX/XX/XXXX demanding that they cease making credit reporting to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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:
On or about XX/XX/XXXX XXXX XXXX ( XXXX ) fraudulently filed an assignment of mortgage with XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX  XXXX ). At no time was XXXX the owner or assignee of the Note. XXXX assigned the Note fraudulently, unlawful and or illegally to XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
On or about XX/XX/XXXX XXXX Bank filed a foreclosure action against me. Pursuant to my filing a Motion to Dismiss the foreclosure due to a lack of standing the XXXX Supreme Court dismissed the action on or about XX/XX/XXXX. 
Since XX/XX/XXXX XXXX has been reporting to the Credit bureau that the " account '' is past due and in foreclosure. This is totally incorrect. I have been trying to resolve the issues with XXXX. 
The lender, XXXX was closed by the Office the Comptroller of the Currency on XX/XX/XXXX. 
On or about XX/XX/XXXX a TILA Notice of Rescission was sent to XXXX and also registered with the XXXX XXXX. There were no timely action or any action taken by XXXX to set aside the Rescission. XXXX has failed to act as directed by the Statute 15 U.S. Code 1635. The transaction was not consummated and no disclosures were sent and or received. 
I am seeking your help to have XXXX cease and desist their credit reporting, and to return the voided note and mortgage if they are in their possession. 
A cease and desist letter was sent to XXXX to stop paying Real Estate Taxes and Insurance as they do not have my authority to do so. A cease and desist letter was also sent to XXXX demanding that they cease making credit reporting to the bureaus.

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 2018-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay XXXX XXXX closed my credit card account when I was in good standing. Barclay stated my credit score was too low to leave my account open, although I have been paying every month and was not delinquent. I had a revolving credit line and they essentially turned it into a high interest rate installment loan. This should be illegal. This happened last month around XX/XX/18.

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 2018-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I was affected by scam and fraudulent transactions in all of my accounts, credit cards, checking accounts, XXXX, phone account, but mostly, by wells fargo. Wells fargo would only repay the smaller funds withdrawn from debit/credit XXXX XXXX online transations, but when it came to the larger amounts in the checking account, they declined my claim. My claim is equaling {$26000.00} that was transferred to other wells fargo accounts. I am a single mom raising XXXX kids on my own and this was all I had left to rely on. I thought at wells fargo I was going to be secure, safe and insured. I thought wells fargo was a reputable company that I transferred my IRA to your company. Now, I am unable to recoup this horrible act brought upon me and my kids.

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 2018-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The debt was eliminated. 
I have had calls on the hour every hour from XXXX XXXX for a debt that does not exist.

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

Complaint narrative:
I had check my credit an found some late payments on my credit report, I have written 4 letter to XXXX requesting a validation or deletion of this in accurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call.

This is a clear violation of the law and they should be reported with FTC, for these violations.

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 2018-05-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I had check my credit an found some late payments on my credit report, I have written 4 letter to Equifax requesting a validation or deletion of this in accurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call.

This is a clear violation of the law and they should be reported with FTC, for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had check my credit an found some late payments on my credit report, I have written 4 letter to XXXX requesting a validation or deletion of this in accurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call.

This is a clear violation of the law and they should be reported with FTC, for these violations.

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 2018-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PR

Complaint narrative:
XXXX XXXX ( XXXX XXXX with HSBC Bank ) sued me for an old debt that I didn't know I could dispute and requested payment of exempt funds ( Unemployment Insurance of the State of NJ ) for approximately {$1000.00}.

It seems to be a fraud among HSBC, their representatives, XXXX XXXX and their people.

This is not a duplicate. My problem had never been solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
My husband has received numerous phone calls from XXXX from someone named XXXX XXXX, who asks to speak to me regarding a personal matter he is handling for me. He has asked for my work number, my personal number, etc .... These calls are being made to my husband 's business phone and they are a nuisance to him both personally and professionally. 

I have no idea who this is, I have no personal matters being managed by anyone I do not know, and I would appreciate it if this individual and this company GC Services would discontinue calling my husband or any other number they have in an attempt to reach me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Good afternoon, I have been trying to pay off this debt for years with CITI/CBNA.. however the number provided is XXXX XXXX with no information on me.. i have called citbank multiple times and other companies and noone has my information XXXX have disputed this accounted multiple times to get a phone number or better information to comtact these people with no situation solved and this continues to affect my credit and this is not fair.

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 2018-05-05 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:
I submitted a credit dispute to bothe Equifax and XXXX for an account that was not not properly validated. Both reports state it was verified. I sent a debt validation letter to XXXX XXXX XXXX XXXX  for a collect account found on my Equifax and XXXX  credit report. I sent the request on XX/XX/XXXX certified and it was received and signed by the Collection Agency on XX/XX/XXXX. On XX/XX/XXXX a representative of the collection agency called me to inform me that they do not need to validate anything as their client sent an invoice. I proceeded to tell them that I did not receive any invoice nor did I receive the requested items in the debt validation letter. I further asked for all information in the letter to be sent in writing. It has been more than 30 days and I have not received any information validating the debt belongs to me as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I attached a copy of the validation letter sent and the proof of certified mail received. I also submitted a CFPB complaint on the collect agency and they did not respond CFPB complaint XXXX. I also I checked to see if XXXX is a licensed collection agency in the state of Florida and it is not. All of these points show they do not legally have the right to report a negative file on my Credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have unpaid medical debts from a car accident in XX/XX/XXXX. These debts are being sold and reaged to the current year each year. It has now been 10 years and they just put a new debt on says opened XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had check my credit an found some late payments on my credit report, I have written 4 letter to XXXX  requesting a validation or deletion of this in accurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call.

This is a clear violation of the law and they should be reported with FTC, for these violations.

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 2018-05-05 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: Innovis
State: GA

Complaint narrative:
I had check my credit an found some late payments on my credit report, I have written 4 letter to XXXX requesting a validation or deletion of this in accurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call.

This is a clear violation of the law and they should be reported with FTC, for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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:
I submitted a credit dispute to bothe XXXX and Experian for an account that was not not properly validated. Both reports state it was verified. I sent a debt validation letter to XXXX & XXXX PA for a collect account found on my XXXX and Experian credit report. I sent the request on XX/XX/XXXX certified and it was received and signed by the Collection Agency on XXXX/XXXX/3018. On XX/XX/XXXX a representative of the collection agency called me to inform me that they do not need to validate anything as their client sent an invoice. I proceeded to tell them that I did not receive any invoice nor did I receive the requested items in the debt validation letter. I further asked for all information in the letter to be sent in writing. It has been more than 30 days and I have not received any information validating the debt belongs to me as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I attached a copy of the validation letter sent and the proof of certified mail received. I also submitted a CFPB complaint on the collect agency and they did not respond CFPB complaint XXXX. I also I checked to see if XXXX is a licensed collection agency in the state of Florida and it is not. All of these points show they do not legally have the right to report a negative file on my Credit reports.

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 2018-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
It says that I have two Mark 's when I never filed for a credit card and it's for the same thing twice I should not be effected by someone else 's XXXX I'm very upset with this if been trying to get my credit back in order along with my life and this just ruined everything I worked for

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 2018-05-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
We obtained a mortgage through Bank of America in XX/XX/XXXX. In XX/XX/XXXX, I lost my job, and started commuting to XXXX weekly. In XX/XX/XXXX, we moved to XXXX, TN, and put the XXXX   house up for rent. A year later, due to the housing bust, we could no longer afford to rent the house, since any rental income we could receive was 1/2 what was needed to pay the monthly housenote. We continued to struggle with paying the note for another year.

On many occasions, from XX/XX/XXXX to XX/XX/XXXX we contacted Bank of America 's Home Retention department, alerting them that we could no longer afford the house, and that we were being proactive in pleading with them to help us, and avoid any credit problems. They said that, due to the type of mortgage we had, and since the house was not our primary residence, there was nothing that they were willing to do. Despite this, they continued to have a collections officer call us almost every day, and sometimes multiple times in a day. Although I tried to make him understand our situation, he was rude and condescending, implying that we were lawless thieves. In one conversation, he told me he would " call me every hour if that is what it takes. '' In XX/XX/XXXX, I had received notice that we had a potential renter who was willing to pay {$500.00} less than our house note for rent. At the time, we were {$6200.00} overdue. I used my bonus check for the year, and sent the amount in a Money Order. The next day, the renter pulled out, and I called the Bank of America Foreclosure department, asking them to return the Money Order, since I had no way to continue payment after reinstatement. They said that it had not arrived yet, but when it did it would be returned ( XXXX, XX/XX/XXXX XXXX ). It was never returned.

The next week we consulted a lawyer in XXXX, and were told that, if we let the bank foreclose, the affect on our credit would last up to 7 years. Although foreclosure had begun in XX/XX/XXXX, Bank of America, through deceptive and, in my opinion, unethical means, did not record the foreclosure until XX/XX/XXXX. The house was auctioned off in XXXX on XX/XX/XXXX at XXXX.

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