vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
A few months ago i had changed and increased the amount of principal on the loan. I remember a notification stating that the new changes wouldnt take affect until the next billing cycle. I was unaware that this would also affect my current autodraft. 
I understand it is mostly my fault for not noticing the payment being withdrawn and processed. The account being used for the autodraft is an account only used for this loan and a portion of my direct deposit from my employer to cover the amount. I do not regularly check this account because it has been operating this way for 10 years without any issues. I also have been distracted and very busy with the birth of my XXXX   child. My daughter was born in Colorado and the travel and time to see her has been challenging and difficult. 
I would also like to point out that i believe the attempts to contact me were not sufficient. I had received phone calls from Carrington that were automated but did not state the intention of the call. When i returned these calls your offices were closed. The only mail correspondence was sent certified after the delinquency threatening a foreclosure. I also do not continually occupy the home because of my work and my daughter. 
I have owned this home for 10 years and have never had a delinquency. My credit has been outstanding until this one event. I am in the process of purchasing a new home in Colorado and this has made a very negative impact. My credit score has gone down 100 points because of the delinquency. Please try and make an attempt to withdraw the delinquency from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Before I purchased round trip ticket on XXXX to XXXX from XXXX, I decided to take advantage of the promotion they were running which included XXXX bonus miles ( after spending {$2000.00} on purchases in the 1st 3 months account open ) AND, most importantly, {$250.00} statement credit " Enjoy a {$250.00} statement credit after your first purchase with the MileagePlus Explorer Card. If you make your first purchase today, your first purchase and statement credit will post on the same statement ''. 

I applied and was accepted and booked my flight on XX/XX/19. I just received my statement and the {$250.00} credit was not reflected so I called, twice. Their response was that marketing won't approve because I didn't go through the correct promotional online path. 

As a consumer, I don't decide what the path is. I printed out the promotion to be sure I had documentation of what the promotional offer was. They will not credit my account with the {$250.00}. I called Chase on XX/XX/XXXX and again on XX/XX/XXXX at XXXX XXXX ( CST ). Spoke with XXXX XXXX. I also sent an email to XXXX explaining the situation to see if they can help since it is their partnership with Chase. 

I am at a loss as to what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: NY

Complaint narrative:
after numerous disputes XXXX refuses to report this XXXX XXXX account as charged off and not paid. this account is paid and the creditor agreed to delete upon payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: I.C. System, Inc.
State: FL

Complaint narrative:
I C Systems has engaged in harassment by continuously reporting the same debt to at least the credit bureau, XXXX. The debt was reported four times in less than 30 days. This was an effort to pressure me into paying them and obliterate any creditworthiness I may have had. The debt is in the amount of {$9800.00} ; the original creditor is XXXX XXXX XXXX. By repeatedly reporting the debt back to back my credit rating was destroyed. This tactic was intentional and deliberate. 

The debt was reported on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. It is common knowledge among debt collectors that if a consumer disputes a debt this too may also lower their credit score. I C System Inc. abused the credit reporting system by not only using XXXX   reporting to harass me, but also continuously report the debt in hopes I would dispute the debt as well. Since I received notification of the derogatory entry on my credit report, I have not claimed ownership of this debt ; however I C System continued to practice unethical debt collection practices via credit bureau reporting ( harassment ). 

Prior to the debt appearing on my credit report, I never received any notifications from either the debt collector or the original debtor so that I could dispute the debt.

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was informed by my loan agent there there was numerous negative accounts on my credit files. I immediately opened up a monitoring service to view my credit file up until now i had no use for any as I rarely use my credit at all and often reside in XXXX much of the year. Upon viewing the authorized accounts on my credit file dating back several years, I immediately contacted the local authorities to begin procedures to protect myself from further harm. I am now following the guidance given to me per the local authorities and contacting each of the credit bureaus and creditors also I am filing with the State Attorney General, FTC, And CFPB. 

Please Remove the following : XXXX {$5100.00} XXXX XXXX  {$3300.00} XXXX XXXX   XXXX {$120000.00}

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 2019-05-08 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: NY

Complaint narrative:
This account is paid on time. I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
My daughter is on my medical insurance, but she is an adult who is responsible for her own care. I have verified with my insurance company that having her on my insurance does not leave me financially liable for care she choses to receive as an adult. 

Furthermore, according to the debt collector my daughter provided the address of her mother, my ex-wife. So I have never received any notification or correspondence or requests to authorize treatment or pay a bill that I am aware of. 

I paid one bill for her for care received in XX/XX/XXXX and now they're expecting me to pay another for care in XX/XX/XXXX. They did not remove the old collection claim against me, though it is marked as paid. And they have kept the second claim against me in my name. I should not have a collection against me at all : again, I did not authorize treatment, I did not receive a bill, and the person who did receive treatment is my daughter, an adult who is financially responsible for herself. 

Furthermore, I've even tried to simply settle this on my daughters behalf, but the company says they can't remove a collection claim from my report. 

The collection company is AMCOL systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The following Inquiries have left hard inquiries that I did not authorize or was falsely explained to that it would NOT impact my credit. 

-- Was first told it was a soft pull like " utilities '' and then when I tried to talk to someone there when it showed up I was passed around for an hour and then told to just file a dispute with the Credit Companies. 
XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, CO XXXX ( XXXX ) XXXX -- ( three companies same issues on inquiries ) Did not even get or ask for credit from these people. They told me that did it to see if I qualified and couldn't even let me know where they obtained my information Northamerica Inquiry from XX/XX/XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX -- This company I was talking to about a student loan. Before I finished the application they informed me that I could not defer the loan and I asked to cancel the application. They called me back and said I qualified for a small loan. I asked them later to remove the hard Inquiries and they said that they weren't able to at all. They have TWO hard inquiries. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - Capital One has run my credit three times! I tried signing up for a student loan once when my credit was brand new. I asked them to remove their inquiries and they literally told me that it would take a lawsuit to remove the inquiries (? ) Cap One Inquiry from XXXX XXXX XXXX Cap One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap One Inquiry from XX/XX/XXXX Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Cap One Inquiry from XX/XX/XXXX Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - I have no idea who this following company is, and they don't even have an address or phone number that I can even call to question their inquiry XXXX  XXXX. 
Inquiry from XXXX XXXX, XXXX -- The company doesn't even have a place that I can contact to dispute the inquiry. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX -- A local bank isn't even allowing me to question the second inquiry when they told me that they were not re-running my credit. And they said I need to call that department to request it removed. And there is no department listed or even anywhere to ask for the service to be looked over. 

XXXX XXXX XXXX Inquiry from XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX Has issued an authorized Credit Pull. I got a card from them almost four months ago and now there is a new credit pull that I did NOT authorize. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc.
State: GA

Complaint narrative:
Con furniture store did a hard credit check when I was told they were doing a soft one.It even states on their web site they do soft ones only

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
The topics you offered did not offer insight into my complaint/issue. 

I have a collection agency, who is collecting a debt. I have paid this organization, Cache, LLC now collecting as Resurgent Capital Services, on-time for more than 4 years. I owe as of XX/XX/XXXX - {$13000.00} The original balance was close to over {$19000.00}. 

In XXXX of XXXX they reported my debt as derogatory ( I was just made aware as of today- XX/XX/XXXX ) and after speaking to the organization they will not report any timely payments or any information until the balance is paid in full/settled. I have made payments with this organization, as I mentioned, for 4 years+. Why as of XX/XX/XXXX do they decide to report as derogatory 3 years later. What reason, would I now have, for even continuing my payments or settling my debt. I had already sustained the 7 year adverse credit reporting form XXXX XXXX/XXXX, who the original loan is with. Why are they now able to ding me for a derogatory rating for the loan they purchased and that I have been paying on and was already hit for 7 years on my credit. Again, how can a collection agency who is being paid on a loan timely, that took on, hit me for a derogatory rating, when they have been paid timely and I had already been adversely reported by the original lender ; This makes no sense. I was already derogatory with XXXX XXXX/XXXX. I was not derogatory with Cache, LL Resurgent Capital and XXXX XXXX was already on my Credit for over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Webcollex, LLC
State: VA

Complaint narrative:
Starting on XX/XX/2019 I have received several calls ( up to 5 a day from various numbers ) that all trace back to XXXX. They will not tell me where they are from, only that they are trying to collect a debt. They have repeatedly asked for my social security number and have gotten aggressive, loud, and have used profanity when I will not answer their questions without further information. They have also contacted multiple family members after being asked not to. They have not sent me any written documentation and refuse to tell me what they debt is or who they are calling on behalf of. They are threatening me and family members. I do not know what this is about and have told them I will be reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: NY

Complaint narrative:
This account is paid on time. I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately

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 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arco Collection Services LLC
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Arco Collection Service LLC ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Radius Global Solutions keeps repeatedly calling my number. I do not owe anyone any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: NY

Complaint narrative:
This account is paid on time. I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately

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 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
Got a call, lady was not upfront with who she was until after I confirmed my name. She actually stated she was with XXXX XXXX. I told her I was already in the midst of a dispute, and she decides to raise her tone, and said that I must pay the fine because I owed it ... .. again I am legally allowed to peruse a dispute, and I do not need to be harassed into a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: TN

Complaint narrative:
Some one open and account in my name from XXXX XXXX XXXX XXXX that I have no knowledge of and I sent over four letter to the bureau and the company letting them know I have knowledge of this debt and they still want remove they place and address on my file I guess is tied to this account but it isn't my address

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: GA

Complaint narrative:
I went to get a loan for school from my bank and was denied. I should not have been denied. I went a pulled my credit and there are some items on there that are not mine. Please remove XXXX XXXX XXXX, XXXX. XXXX and XXXX XXXX. There are three bankruptcy showing on my XXXX. I have never filed banktruptcy. Please remove those bankruptcy as well. I have contacted the FTC and my local police. I'm doing this on my own.

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 2019-05-08 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: GA

Complaint narrative:
I went to get a loan for school from my bank and was denied. I should not have been denied. I went a pulled my credit and there are some items on there that are not mine. Please remove XXXX XXXX XXXX, XXXX/XXXX. XXXX/XXXX  and XXXX XXXX. There are three bankruptcy showing on my Transunion. I have never filed banktruptcy. Please remove those bankruptcy as well. I have contacted the FTC and my local police. I'm doing this on my own.

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I froze my credit file with all three major credit reporting agencies back in 2006. I had some practical issues unfreezing the credit reports last year. This year I contacted all three credit reporting agencies via U.S. Mail ( see attachment ), asking them to check that the information they had on file was up to date. I also asked them, very clearly, to keep the freeze on my credit file. I also asked them for clear updated instructions on how to unfreeze my credit file, if that need were to arise sometime soon. These actions on my part are good standard practices to prevent fraud and identity theft. 

XXXX and XXXX responded adequately they got it right. Experian did not only get it wrong, they got it BACKWARDS! Think of backwards as being super-duper wrong. Extremely nonsensically wrong. So wrong that a thinking person would curl up in a corner and die of embarrassment for being stupid. Experian permanently removed the security freeze on my credit file!!! Now instead of having my credit file safely frozen, they've opened it up for the whole world. This is exactly the opposite of what I wanted to be done. I'm not going to charge them any money, at this time, for pointing out a terrible flaw in their business system of correspondence via U.S. Mail. 

Additionally, they allowed an incorrect XXXX XXXX XXXX to be available on the Internet. Having the wrong XXXX XXXX # caused a 2-3 week delay in communicating with them via U.S. Mail. It was very difficult to find someone to talk to at Experian to finally get the correct XXXX XXXX  #. 

Experian should not be allowed to hide behind some defense of incompetence or error. Let 's be honest, Experian loses money on credit freezes and will do almost anything to discourage and confuse consumers into properly using credit freezing/unfreezing options.

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 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RFNA, LP
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX XXXX XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation