vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-13 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 consistenly monitor my credit reports from all three bureaus, and I am highly frustrated and disappointed with the information that XXXX is reporting to these bureaus. 

They main problem is every other month, XXXX says, " we are reporting your information accurately '', then I check with the bureaus ; XXXX as an example : shows that the account has been closed as of XX/XX/2018 or a month before. They also show no payment history from XX/XX/2018 back to the beginning of this loan. 

I have no payment history showing for any years previous to XXXX and XX/XX/2018. 
I have a problem with that because XXXX has collected my mortgage payment for years and they onlly show two months mortgage payment of XX/XX/2018. 

The other sad thing is, I have filed several complaints with the CFPB and you all have just stood by idlely and allowed this company to continue to practice these deceitful practices. 

They should be held accountable!!! I have no words even for the purpose of filing this complaint. You constantly just forward the complaint and you don't get involved with the process legally. LOOK AT MY INDIVIDUAL CASE AND SEE HOW LONG THEY HAVE VIOLATED MY RIGHTS ( that CFPB is supposedly overseeing ). This is a joke There is clearly a problem with my mortgage company, their third party reporting agencies and the credit bureaus reporting my mortgage information accurately without closing my mortgage account every other month. 

Who does that? I make a payment and they close my account when they try to report it????? "? 

This has taken a toll on my credit score and report to where I am unable to procure, refinance my loan because the account is " CLOSED WITH NO HISTORY ''. 

I am desperately imporing that you take a closer look at my mortgage company, who they have reporting my payments or all 3 of the credit reporting bureaus and their third party reporting entities and how they procure/verify that information. 

I NEED INTERVENTION NOW!!!!!!!!!!!!!!!!!!!!!!!

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 2018-11-13 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 consistenly monitor my credit reports from all three bureaus, and I am highly frustrated and disappointed with the information that XXXX is reporting to these bureaus. 

They main problem is every other month, XXXX says, " we are reporting your information accurately '', then I check with the bureaus ; XXXX as an example : shows that the account has been closed as of XX/XX/2018 or a month before. They also show no payment history from XX/XX/2018 back to the beginning of this loan. 

I have no payment history showing for any years previous to XXXX and XX/XX/2018. 
I have a problem with that because XXXX has collected my mortgage payment for years and they onlly show two months mortgage payment of XX/XX/2018. 

The other sad thing is, I have filed several complaints with the CFPB and you all have just stood by idlely and allowed this company to continue to practice these deceitful practices. 

They should be held accountable!!! I have no words even for the purpose of filing this complaint. You constantly just forward the complaint and you don't get involved with the process legally. LOOK AT MY INDIVIDUAL CASE AND SEE HOW LONG THEY HAVE VIOLATED MY RIGHTS ( that CFPB is supposedly overseeing ). This is a joke There is clearly a problem with my mortgage company, their third party reporting agencies and the credit bureaus reporting my mortgage information accurately without closing my mortgage account every other month. 

Who does that? I make a payment and they close my account when they try to report it????? "? 

This has taken a toll on my credit score and report to where I am unable to procure, refinance my loan because the account is " CLOSED WITH NO HISTORY ''. 

I am desperately imporing that you take a closer look at my mortgage company, who they have reporting my payments or all 3 of the credit reporting bureaus and their third party reporting entities and how they procure/verify that information. 

I NEED INTERVENTION NOW!!!!!!!!!!!!!!!!!!!!!!!

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 2018-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: AR

Complaint narrative:
This is a Continuation of CFPB Case # XXXX-XXXX & Case # XXXX-XXXX. 
The problem has STILL not been taken care of.

The Mortgage Statements are STILL not being sent out.

I called Selene today XX/XX/2018 because I had not received my statement for XXXX. XXXX received my XXXX payment on XX/XX/XXXX. I spoke with XXXX ( very nice ) but did not know why. Transferred to her supervisor XXXX, whom gave me the same song & dance, statements will be going out on the XXXX. REALLY? Which means even if they do send them ( which they never do and is contrary to what their previous explanation letter ( s ) state, means I will get it around the XXXX, put my check in the mail that day-HOW COULD IT POSSIBLY GET THERE BY THE XXXX OF THE MONTH? LIES! 
Per XXXX employee ( XXXX XXXX/RB Executive Resolution Team ) in writing on XX/XX/2018. AND I QUOTE : " Specifically, Mortgage Statements will generate once a month upon receipt of payment. '' LIE! NO statements were sent out in XXXX, XXXX until I contacted CFPB and you sent a letter. I received XXXX, XXXX & XXXX ONLY AFTER the 2nd letter from CFPB. 
AGAIN on XX/XX/XXXX in writing from XXXX employee XXXX XXXX in response to 2nd complaint from CFPB : QUOTE : " We were in the process of making updates to our Mortgage Statements ( since XXXX ) and therefore they were not being generated. " ( How is that my problem and why do they constantly lie about it AND how many other people is this affecting? ) QUOTE '' However, the updates WERE completed and Statements will be mailed once a month upon receipt of a payment '' AGAIN A LIE! They received XX/XX/XXXX payment on XX/XX/XXXX but XXXX. Statement will not be mailed to me until XXXX? This is now the 3rd TIME I have had to file a COMPLAINT for the same exact problem that has been going on since XXXX. They keep saying it has been resolved which is an out and out lie and are still doing NOTHING to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, my wife and I sent investigation requests to Equifax and XXXX XXXX. They were supposed to respond within 30 days. We they did not, we filed complaints with your organization. Equifax and XXXX XXXX finally sent her copies of her investigation results, but I have yet to receive mine. I just don't understand what could be taking so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I have asked XXXX to validate the debt they are trying to collect on, find attach what they send me every time I request validation I have ask them to send me the contact information to the original creditor, I have ask that they send me a contract with my signature, in which case I have received neither of what I have requested, I do receive that they have verified with there client and I need to pay. These letters they send does not meet validation required by the fair credit reporting act, this is the same information they send to the credit bureaus. so not only is XXXX is in violation of FCRA so is XXXX. 
on top of not validating these accounts, there showing that I have owed {$80.00} as of XX/XX/XXXX, but in there letter they are stating the service date is XX/XX/XXXX which is re ageing this unvalidate debt, which again is a violation of FCRA, The other account is reported as in debt as of XX/XX/XXXX, in there letter they state {$480.00} service date of XX/XX/XXXX again re aging a debt. find there letter if they would like to see all letter which are same sent to me but different dates, there has not been no proof sent that these are my accounts.

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 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Today XX/XX/2018 I received from XXXX credit reporting agency the results from an investigation. XXXX did nothing because the before and after investigation is all the same. I am uploading pictures to show proof. XXXX writes they have updated the information and review my report. First off this XXXX XXXX XXXX account is fraudulent. I have been disputing this for over a year now. It is extremely frustrating that my credit is being impacted in a negative way for a fraudulent 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 2018-11-13 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
We filed Chapter XXXX on XX/XX/XXXX. Toyota was included in ChXXXX and was paid in full through BK. They are reporting a balance due after the filing date and the discharge date of XXXX and 'late ' payments in XX/XX/XXXX. The 'balance due ' is the inflated interest they were trying to charge us prior to filing ChXXXX. 
Toyota is undermining our credit and enabling themselves report further into the future. 
Attached are screen shots from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So I have been to chase bank a few times and sat down with a banker to try and open a checking and savings account and everytime.i go in they deny me. I had another bank account at another bank but I already paid it off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: Grant & Weber
State: CA

Complaint narrative:
On my XXXX credit report, there is a collections item from Grant & Weber, which is a collections agency from a doctor 's office by the name of XXXX XXXX. I have never seen this doctor, and have no idea what this is for. Both the collection agency and doctor 's office are unresponsive to my calls.

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 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have been trying to file a dispute with your company but your online dispute website is not working. I also called your number and wasn't able to be helped. On XX/XX/2018 i sent a letter to the XXXX XXXX of XXXX to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance ( XXXX ) for {$120.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The XXXX XXXX of XXXX did in fact cash my check, and I have documents to prove it. The XXXX XXXX of XXXX did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections ot cancel any collections attempts. 

A few weeks ago, they was a collection added to my Equifax credit report which should not have been there. That collection came from XXXX , XXXX . Original Creditor Nameis XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Hello, I received a piece of mail from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. It stated that I have a debt of {$110.00} owed to " XXXX XXXX '' It says " Collection Notice : Your account was previously listed with another collection firm and re-assigned to this office for recovery. Please remit payment to this office by mail or visit our self-service XXXX. '' I am concerned. They have my full name and my address. I have never been signed up for XXXX XXXX. I do not have any debt to XXXX XXXX. I have never been associated with a XXXX XXXX account. I'm 100 % certain I would not have a bill or any debt outstanding to that company. This is a scam and they have offered little to no way to dispute this claim. Again, I am concerned and would like to resolve this as soon as possible. I'm not sure how to prove that I have never been associated with XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filled for bankruptcy XX/XX/2016 discharged XX/XX/2016. 
An Account on my credit report suddenly after more than 2 years now sent an update in XXXX and my time since negative has now plummeted to less than 1 month from nearly 3 years. 

Since this is a clear violation of the fair credit reporting act Transunion should not allow information that shows this account was included in bankruptcy and then report negative information after the filing date. 

I have disputed this with Transunion multiple times, they acknowledge you can not report negative information after the filing date but refuse to resolve the problem. They said they disputed it and the creditor verified the information.

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 2018-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Total amount is : XXXX when I graduate early from XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have asked XXXX to validate the debt they are trying to collect on, find attach what they send me every time I request validation I have ask them to send me the contact information to the original creditor, I have ask that they send me a contract with my signature, in which case I have received neither of what I have requested, I do receive that they have verified with there client and I need to pay. These letters they send does not meet validation required by the fair credit reporting act, this is the same information they send to the credit bureaus. so not only is XXXX is in violation of FCRA so is Equifax. on top of not validating these accounts, there showing that I have owed {$80.00} as of XX/XX/XXXX, but in there letter they are stating the service date is XX/XX/XXXX which is re ageing this unvalidate debt, which again is a violation of FCRA, The other account is reported as in debt as of XX/XX/XXXX, in there letter they state {$480.00} service date of XX/XX/XXXX again re aging a debt. find there letter if they would like to see all letter which are same sent to me but different dates, there has not been no proof sent that these are my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX This account was a checking account that was paid in full and was told by the creditor it would be removed I called the creditor and they said they haven't reported the account in years.The credit bureau doesn't acknowledge it and lies to me every time I file an investigation into it.They dont even do it.Account is going on 8 years old now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: MA

Complaint narrative:
Today, XX/XX/XXXX, I received a call from XXXX XXXX ; employee from Debt Collection Agency McCarthy , Burgess & Wolfe. For the second time in two weeks, said employee has been attempting to arrange to collect an inaccurate and unverifiable debt on behalf of XXXX XXXX , XXXX On each call, the alleged balance differed. I advised Ms. XXXX, on both occasions, communication has been established with XXXX XXXX, XXXX to verify, validate and resolve the debt. Collection efforts should have ceased ; instead, she proceeded to state that collection efforts will continue. I requested a valid original instrument of indebtedness in its original form with my signature on it ; Ms. XXXX stated she will get an invoice and does not have to verify my signature is on it. At this moment, it was made clear, via Ms. XXXX own admittance, that she was attempting to collect an alleged debt WITHOUT valid documentation as per the FCRA and the FDCPA ; Federal Law. McCarthy, Burgess & Wolfe and XXXX XXXX , XXXX are both attempting to collect a debt for the same account number, with different balances. 

With beyond a reasonable doubt of information regarding and pertaining to the training, education and collection practices of McCarthy, Burgess & Wolfe, along with their employees ( which should each be held personally responsible for being unable or unwilling to comply in collection efforts of only 100 % accurate and 100 % verifiable accounts in accordance with 15 U.S. Code Sec. 1629e ( 8 ) and Sec. 809 ( b ) of the Fair Debt Collection Practices Act via NOT ignoring or overlooking physical verification of a consumer contract with their signature on it in accordance with FCRA Sec. 609 ( a ) ( 1 ) ( A ) ), I respectfully request an investigation of all accounts paid to McCarthy, Burgess & Wolfe to cease all improper collection practices. Should this matter end up in court, I respectfully request all consumers violated be reimbursed all accounts that resulted in paid status under obvious violations, like mine ; and pursue a Class Action Lawsuit for Improper Debt Collection Practices in pursuit of statutory damages plus attorney costs and any applicable fees in accordance with 15 U.S. Code Sec. 1692k (  a ) ( 2 ) ( A ), similar to the CFPB ordering XXXX XXXX XXXX XXXX to pay $ XXXX for Improper Debt Collection Acts on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
as I disputed this account with Equifax 2 previse times and again in XX/XX/2018, I aslo disputed it with XXXX XXXX XXXX, in which they sent me a letter on XX/XX/2018 stating that there client has not validate debt with them and will discontinue all collection efforts, yet Equifax still showing its under investigation, please find letter attached. and that Equifax has token more then the 30 days allowed,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Opened investigations and reinvestigations regarding inaccurate late payments. The company added additional late negative marks on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX This account was a checking account that was paid in full and was told by the creditor it would be removed I called the creditor and they said they haven't reported the account in years.The credit bureau doesn't acknowledge it and lies to me every time I file an investigation into it.They dont even do it.Account is going on 8 years old now.

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