vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
In XXXX or XXXX bought home through XXXX XXXX XXXX. After several years, We refinanced it through Conseco mortgage. Conseco then sold it to Green Tree Mortgage. After several years they sold it to Ditech. The home burned down in XXXX or XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX paid the home off to Ditech in XXXX, XXXX. {$33000.00}. Ditech continued to charge interest and we spent several hours on the phone with them every week. In XX/XX/XXXX, The insurance company issued another check to Ditech. They continue to bill us for back payment and interest, after several more months, Ditech filed bankruptcy but we learned through a customer service agent that they did receive the check ( certified mail ) and cashed it for the {$33000.00}, it is listed somewhere in our account, just never credited. We are now getting bills from XXXX XXXX company. Fast forward to today, we received a certified letter in the mail from a law firm, XXXX XXXX XXXX that they will be doing a substitute trustee sale on XX/XX/XXXX. ( The trustee is Green Tree ), selling the land. Hopefully getting in to see a lawyer his week, if everything opens again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX HAVE AN ACCOUNT LISTED ON MY TRADE LINES ( XXXX ) THIS ACCOUNT CLOSED OUT IN XXXX AND THIS HAS CURRENTLY BEEN REPORTED 120 DAYS LATE IN XXXX WHICH IS IMPOSSIBLE BECAUSE THE ACCOUNT HAS BEEN CLOSED OUT. THIS IS INACCURATE INFORMATION AND SHOULD HAVE BEEN REPORTING ON MY TRADELINES.

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 2020-05-02 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
SYNCB/OLD NAVY HAVE AN ACCOUNT LISTED ON MY TRADE LINES ( XXXX ) THIS ACCOUNT CLOSED OUT IN XXXX AND THIS HAS CURRENTLY BEEN REPORTED 120 DAYS LATE IN XXXX WHICH IS IMPOSSIBLE BECAUSE THE ACCOUNT HAS BEEN CLOSED OUT. THIS IS INACCURATE INFORMATION AND SHOULD HAVE BEEN REPORTING ON MY TRADELINES.

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 2020-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
This was covered by insurance so I should not have a balance with this office. This account remains on my reports and I want it removed. 

Amount {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
The company closed my account without any notice for no reason. I have been a customer of the company for 19 years with perfect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: VA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that was on file of the various accounts. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.Under federal law, you have ( 30 ) days to complete your re-investigation. 

On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were not verified. To date, I have not received a reply from you or any acknowledgment that an investigation has begun.

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 2020-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Economic Recovery Consultants, Inc
State: AR

Complaint narrative:
On XX/XX/2020, I received a notice from a debt collector ( Economic Recovery Consultants ) that I was being charged in the amount of {$1600.00}. I reached out to them and asked where this debt originated from and that informed me that it was a medical bill from several years prior, and they received it and was pursuing its collection. The debt originated from XXXX XXXX XXXX, so I reached out to them, and they had no valid documentation of the debt, nor could they provide me with any proof that it existed, basically it was not in their system. I then reached out to the debt collector, and they stated it was valid, and that payments could be made, and that it has been placed on my credit reports as delinquent. Now, according to Arkansas law, there is a statue of limitations on all medical debt of 2 years, and if this is correct, then this debt should be removed from my credit report, as this has caused significant damage to my credit report already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: MD

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for various accounts. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I had a payday loan from cash first advance of XXXX $ that i contracted in XXXX and loan was place in collection by a XXXX XXXX  XXXX. In XXXX, XXXX, they took off my credit collection. Now they decide to place it back in my credit report but they did twice. they duplicated twice they amount ( XXXX ). I talk to them they don't want to call the originate company to get the correct amount of the debt. I called the first cash advance the originate company, they said the amount was XXXX, but they said they can not provide my a document, they said I should deal with XXXX XXXX  XXXX  witch the third company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I put this in twice already to you and I have talked to XXXX  and XXXX in the corp office no one wants to help these 2 late payments were due to the corona virus and they woudlnt anything for me until I get up my account In XXXX I could not because of the virus and none of them want to lift a finger to help and I am really really upset these 2 late payments were out of control they don't seem to understand that I have last payments before due to there cutoff times there cutoff times are not fair to people in the west coast to make it due by 6 I work until that time and usually pay after work put every one of them were on the same day maybe missed by four or five minutes because they have unreasonable cut off times for people in the west coast but I never really missed a payment in years and the only reason these ones were missed in XXXX is because of the corona virus and they still stick it to me and there managers are all rude and sound like a broken record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have contacted both Equifax and XXXX XXXX about my TWO missing credit card accounts that should be reporting. XXXX  XXXX told me that they are reporting to all 3 credit bureaus and was unsure about why Equifax was the only company not reflecting the accounts. XXXX  XXXX opened two disputes with Equifax for missing account information and the disputes came back unresolved. The Equifax representative that I spoke to told me that there wasnt anything that they could do to show the active account and that they werent sure why they werent showing either. This is not okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: CA

Complaint narrative:
I previously had a loan with XXXX XXXX XXXX. Sometime around XX/XX/2018 the payment ( including principle, interest and impounded taxes and insurance ) increased. For whatever reason, I did not get notification of that increase. 

When I paid the payment in XX/XX/2018, I paid the same amount that I had paid in prior months. As you can see from the statement from XXXX, that payment was received on time ( posted XX/XX/2018 ). As you can also see from the letter from XXXX dated XX/XX/2018, the payment was {$67.00} short because I did not see the notification of the increase in the required payment. 

Based on the above, XXXX reported to the credit bureaus that my mortgage payment was late. That is not correct. First, the payment was received on XX/XX/2018 which was on time. Second, while the payment was not the correct amount, the payment covered all principle and interest due. The {$67.00} was a shortfall in the impound account, but the impound account is an estimate anyway, as tax and insurance bills can vary from year to year. 

I disputed this late notice which is affecting my credit score with the credit bureaus. They all claim that XXXX refused to make a correction. I have two friend who work in the mortgage business. Both tell me that honest lenders would never make a late payment report under such circumstances. 

I requested that XXXX make a correction with the credit bureaus removing the late payment from my credit report. XXXX refuses to do so.

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 2020-05-02 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: CA

Complaint narrative:
I previously had a loan with XXXX XXXX XXXX. Sometime around XX/XX/2018 the payment ( including principle, interest and impounded taxes and insurance ) increased. For whatever reason, I did not get notification of that increase. 

When I paid the payment in XX/XX/2018, I paid the same amount that I had paid in prior months. As you can see from the statement from XXXX, that payment was received on time ( posted XX/XX/2018 ). As you can also see from the letter from XXXX dated XX/XX/2018, the payment was {$67.00} short because I did not see the notification of the increase in the required payment. 

Based on the above, XXXX reported to the credit bureaus that my mortgage payment was late. That is not correct. First, the payment was received on XX/XX/2018 which was on time. Second, while the payment was not the correct amount, the payment covered all principle and interest due. The {$67.00} was a shortfall in the impound account, but the impound account is an estimate anyway, as tax and insurance bills can vary from year to year. 

I disputed this late notice which is affecting my credit score with the credit bureaus. They all claim that XXXX refused to make a correction. I have two friend who work in the mortgage business. Both tell me that honest lenders would never make a late payment report under such circumstances. 

I requested that XXXX make a correction with the credit bureaus removing the late payment from my credit report. XXXX refuses to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: CA

Complaint narrative:
I previously had a loan with XXXX XXXX XXXX. Sometime around XX/XX/2018 the payment ( including principle, interest and impounded taxes and insurance ) increased. For whatever reason, I did not get notification of that increase. 

When I paid the payment in XX/XX/2018, I paid the same amount that I had paid in prior months. As you can see from the statement from XXXX, that payment was received on time ( posted XX/XX/2018 ). As you can also see from the letter from XXXX dated XX/XX/2018, the payment was {$67.00} short because I did not see the notification of the increase in the required payment. 

Based on the above, XXXX reported to the credit bureaus that my mortgage payment was late. That is not correct. First, the payment was received on XX/XX/2018 which was on time. Second, while the payment was not the correct amount, the payment covered all principle and interest due. The {$67.00} was a shortfall in the impound account, but the impound account is an estimate anyway, as tax and insurance bills can vary from year to year. 

I disputed this late notice which is affecting my credit score with the credit bureaus. They all claim that XXXX refused to make a correction. I have two friend who work in the mortgage business. Both tell me that honest lenders would never make a late payment report under such circumstances. 

I requested that XXXX make a correction with the credit bureaus removing the late payment from my credit report. XXXX refuses to do so.

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 2020-05-02 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: MD

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for various accounts. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

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 2020-05-02 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: MD

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for various accounts. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

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 2020-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
A voluntary surrender of my vehicle was completed with XXXX XXXX XXXX XXXX. After the vehicle was sold by XXXX XXXX XXXX, they did not contact me in writing or by phone with the balance owed. Instead, the balance / debt was sent directly to a collection agency, Radius Global Solutions. See attached. 

XXXX XXXX XXXX XXXX did not send me written documentation showing the vehicle sale amount against the amount owed. Instead, a letter was received from Radius stating a sum owed to them regarding the auto loan. 

Therefore, I do not know the sale amount of the vehicle to determine the validity of the alleged debt owed. I do not know the final balance owed to XXXX XXXX XXXX as they did not send anything in writing. I was not given the opportunity to settle the debt with XXXX XXXX XXXX XXXX before it was sent to a collection agency. This is unfair debt collection practices and the legality of not disclosing the vehicle sale amount is in question.

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 2020-05-02 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
At some point in either late XXXX or early XXXX, XXXX charges were made on my Visa card. I notified Capital One and they removed the charges, froze my account, and sent me a new card. Within 2 or 3 weeks, I was notified by the same vendor, XXXX   that I had a new purchase on my card. I contacted Capital One again and they did the same. I am asking to have this company blocked from my account, but they do not do that. I froze my account and have been using their service to scramble the account number and the 3-digit code used to buy online products. I received another notice from XXXX today and they had just credited my account for the last charge. This was with the scrambled number and after I froze my account, which I was assured by Capital One would stop ALL charges from going through. I am lost as to what to do with this situation. I do not want to close my account with Capital One, but would love some help with stopping XXXX  from making these fraudulent charges. I do not now, nor have I ever, done business with such a company. I am very careful online and live carefully. None of my other accounts have had this issue. I would love to know how to stop XXXX. They are not available for phone, email or any other contact to me. I am XXXX years old and do not know where else to turn.

Company response to consumer: Closed with explanation