vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Legally paid in full for less than the full balance ... this is a false and inaccurate statement that Experian declines to remove from it's records, and I recently received a letter stating that they will not reinvestigate this claim again ... yet they have failed to forward me any document or original contract with my signature or a name of the verifier ... this is against F.C.R.A. law and violates my rights ... this was not a charge-off or collection ... I paid this account as was agreed upon ... 

XXXX XXXX XXXX  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 explanation
Consumer complaint received 2018-06-23 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit System failed to informed me and provided valuable information about the debt they are claiming I owe. The source of the issue never been communicated to them, I am actually about to sue my leasing office for not informing me about the issue and issuing my information to NCS without sending me a formal letter. NCS failed to inform me of the situation and started reporting to credit bureau without even contacting me. No email, no certified mail was sent to me. I contacted them in several occasion to have them send me mails with clear explanation of the money thy said I owe them but never nobody ever sent me any explanation. They started reporting on me in XXXX without contacting and first time they contacted me was in end of XXXX. How can you send my information to credit bureau without even calling me and sending me certified mails to explain the situation? 
They started reporting on XX/XX/XXXX, 25 days after i left my old apartment and for the little story I provided them with proof I was leaving the place 3 months prior i left, and the first time they contacted me was XX/XX/XXXX, with no mail, no explanation of what is going on, i request several time for them to send me a mail with all explanations they never delivered. This is a very first time i am having this issues, my rental history has been perfect therefore I am about to sue them pretty soon if this issue is not resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I was approved for an installment loan. On XX/XX/XXXX the company was sent an ACH termination letter stating that I would submit payment via mail. On XX/XX/XXXX I received a text message from XXXX stating that my account would turned over to collections if I did not provide them with a debit card. I told XXXX that I would provide them with a debit card info once I got home. This was stated after XXXX asked if I could get a prepaid debit card. I never provided the information. On Thursday I received a message stating that I needed to make a {$50.00} payment or my account would be turned over to collections. I advised that the paperwork doesn't state anything about a debit card being on file in order to prevent account from being turned over to collection ( {$50.00} wad also mentioned ). The rep kept asking fir a debit card and she also advised that my account would be sent to collections at XXXX today. I received an email staing that my account had been turned over to collections and they will be reporting a charge off to 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 2018-06-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Enterprise Systems, Inc.
State: IL

Complaint narrative:
XXXX was private student loan lender and now I am receiving mail from NES Of Ohio stating that my student loans are in default and in debt collection. 

I contacted XXXX in XX/XX/XXXX to discuss repayment options and they told me they could no longer assist me because now NES Of Ohio has information on my student loans. NES Of Ohio has sent me notices in the mail stating I should paid the amount of {$7300.00}. From XX/XX/XXXX-XX/XX/XXXX I was a XX/XX/XXXX in XXXX and earned a readjusted monthly living allowance of $ 250.00- {$260.00}. From XX/XX/XXXX-XX/XX/XXXX {$50.00} were deducted from my readjusted living and sent to XXXX for student loan payments. 

I previously spoke to XX/XX/XXXX in XX/XX/XXXX a month after I returned from serving in the XXXX XXXX and they told me over the phone that I could pay {$38.00} a month but I was unemployed at the time.

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 2018-06-23 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/2018 submitted a dispute letter to the collection agency XXXX XXXX who has failed to validate the debt or ownership of the account ( original creditor XXXX XXXX XXXX ). After Midland had not updated to the 3 CB in over 6 months, XXXX XXXX XXXX reported a derogatory mark on my credit. The collection agency and the original creditor are claiming the debt, duplicate reporting for the same account. Midland has failed to verify they own the account and XXXX XXXX XXXX has closed/charged off the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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:
Ive sent numerous letters and filed three complaints with the CFPB regarding the inadequate investigation into verifying a debt. I am frustrated because after almost a year I have not received any legal instrument showing verifying that I am the owner of the debt reported by XXXX XXXX. I am asking that CFPB re-open the complaint file case # s listed below : XXXX XXXX XXXX After numerous attempts at verifying a debt with XXXX XXXX, I have been told that the debt was verified. Well, how was it verified? Where are the documents that show this debt as belonging to me? 
As a consumer, I feel that my fair credit reporting rights have been violated and no one is trying to help me after I have taken all the legal steps to get assistance. At this point, I am forced to seek legal counsel against the CFPB and all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-23 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:
Ive sent numerous letters and filed three complaints with the CFPB regarding the inadequate investigation into verifying a debt. I am frustrated because after almost a year I have not received any legal instrument showing verifying that I am the owner of the debt reported by XXXX XXXX. I am asking that CFPB re-open the complaint file case # s listed below : XXXX XXXX XXXX After numerous attempts at verifying a debt with XXXX XXXX, I have been told that the debt was verified. Well, how was it verified? Where are the documents that show this debt as belonging to me? 
As a consumer, I feel that my fair credit reporting rights have been violated and no one is trying to help me after I have taken all the legal steps to get assistance. At this point, I am forced to seek legal counsel against the CFPB and all three credit 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 explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient was private student loan lender and now I am receiving mail from NES Of Ohio stating that my student loans are in default and in debt collection. 

I contacted Navient in XX/XX/XXXX to discuss repayment options and they told me they could no longer assist me because now NES Of Ohio has information on my student loans. NES Of Ohio has sent me notices in the mail stating I should paid the amount of {$7300.00}. From XX/XX/XXXX-XX/XX/XXXX I was a XXXX XXXX XXXX XXXX XXXXXXXX in XXXX and earned a readjusted monthly living allowance of $ 250.00- {$260.00}. From XX/XX/XXXX-XX/XX/XXXX {$50.00} were deducted from my readjusted living and sent to Navient for student loan payments. 

I previously spoke to Navient in XX/XX/XXXX a month after I returned from serving in the XXXX XXXX and they told me over the phone that I could pay {$38.00} a month but I was unemployed at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax will not remove this inaccurate info ... XXXX XXXX {$1300.00} ... I settled this account ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX will not remove this inaccurate info ... XXXX XXXX {$1300.00} ... I settled this account ... 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax consistently is the only credit bureau that displays incorrect account balances, personal information including addresses and reports closed accounts as being open. I opened disputes for these issues on XX/XX/XXXX and once again on XX/XX/XXXX. As of yet - I have not been able to view the results of my disputes and their system will not allow me to open another one due to them not being able to locate my credit file. Again, Equifax, is the only credit bureau that is reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On my XXXX XXXX ending in XXXX. Customer Service Representative promised to remove late fee on XX/XX/2016. I was looking to remove to a death in my family of unforeseen circumstances. I was told by the representative they would remove the late fee for being a loyal card member. They have yet to do so. Just looking to get this resolved.

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 2018-06-23 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: NY

Complaint narrative:
On my XXXX XXXX ending in XXXX. Customer Service Representative promised to remove late fee on XX/XX/2016. I was looking to remove to a death in my family of unforeseen circumstances. I was told by the representative they would remove the late fee for being a loyal card member. They have yet to do so. Just looking to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
This company called me in XX/XX/2018 saying I owed a payday loan in the amount of XXXX dollars which was supposed to been an electronic check with XXXX   XXXX that I never even had a checking account thru went to the bank and had the lady in the office pull up my name never had a checking account they then just a saving for a car loan and the lady even called midwest and talked to XXXX and told her I have never had and a checking account they then and never owed any money to them .XXXX was very rude would not give the bank lady any information and hung up on her .I am not paying for something i don't owe and an turning this over for XXXX to be investigated along with that company.She said she sent me stuff to and address i have not lived at for over 9 years.what a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: OH

Complaint narrative:
I have 12 or more inquiries with capital one bank. Ive reach out to capital one to resolve this matterbut I was told to contact XXXX, XXXX and XXXX to remove these inquiries that Im not aware of but all 3 credit bureaus told their not they can do XX/XX/XXXX ( 3 ) XX/XX/XXXX ( 3 ) XX/XX/XXXX ( 3 ) XX/XX/XXXX ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX 's XXXX {$430.00} Collections/Charge-off ... False and quite inaccurate ... this account was indeed settled ... yet you will not remove it ... litigation may follow ...

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Re : Bank of America Home Loans for the account of XXXX XXXX Property Address XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone XXXX BOA Account # XXXX For the last 3 months I have been working with Bank of America ( BOA ) to facilitate a Short sale on the property as referenced herein. They are a Jr. Lien and they are way upside down. The first mortgage is at least 200K over the property value. Therefore BOA as a second Jr. Lien they have no equity. 
In Bankruptcy court BOA would be considered an Unsecured creditor. My client has made numerous offers to pay as much as 5K to settle the Matter. In most cases like this BOA has just issued a satisfaction and just extinguish the money due knowing that if they went to Serifs sale or Bankruptcy they  would get XXXX. 
The problem is however that Bank of America did not process the submission as a short sale but as a loan Modification. It was not until XX/XX/XXXX that they recognized their mistake and sent me a letter to that effect and acknowledge and forwarded the short sale request to a specialist and promised an answer in 2 to 3 business days. ( See attached letter from BOA dated XX/XX/XXXX to confirm that fact. ) Since then I as well as my clients have heard nothing. On XX/XX/XXXX I made a phone call to BOA  Customer service. They told me that their was no short sale application pending or initiated However the loan modification application that we never submitted for had a missing document request and is still pending. The house is vacant and based on BOA underwriting that is the Number 1 reason to not do a loan modification and to do a Short Sale. Please help me in this matter to stop Bank of America from acting in bad faith and or to fine and sanction them or both for acting in bad faith and refusing to offer my client any kind of foreclosure alternative as a Short Sale. Thank you

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 2018-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$430.00} Collections/Charge-off ... False and quite inaccurate ... this account was indeed settled ... yet you will not remove it ... litigation may follow ...

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-06-23 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am writing to dispute XXXX XXXX/care credit, address ID Number XXXX, Ive reach out to the creditors but no answer from them The balance listed on the account is incorrect. Please the delete the 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 2018-06-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got hit with a hard inquiry on XX/XX/2018 from chase manattan. This is fraud and not authorized by me. I never applied for this card or any card on this specific date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
My home caught on fire XX/XX/2018. I filed an insurance claim with my insurance company and used the contractor that the insurance company recommended. My company required that the contractor complete some documents and submit contactors license. The mortgage company made two major mistakes. 1. Waived ( at the request of the contractor ) the requirement of the contractor to  provide a copy of their license, because they incorrectly thought my property was in Texas. 2. Released the first payment to the contractor without insuring that all documents were completed as required. As a result, this company has subcontracted out work to people that has failed to obtain permits prior to working on my home. This city issued request for the contractor to obtain permits for electrical, mechanical, and plumbing. The company applied for permits, but never completed the work. The permits have expired several times, my home has been broken into and copper piping stolen along with other damages. The windows were installed with gaps all around the edges, walls put up without complete insulation, siding is falling off of the house, heat damaged, broken concrete remains in the garage ( where fire started ), subfloors continue to weaken due to delamination, and the home is showing signs of mold. The insurance company has since dropped my insurance coverage and the contractor has not done any significant work on the home in almost one year. I can not obtain insurance on the home due to the open claim and incomplete work. I continue to pay utilities and mortgage on the home and had to pay to have a security system installed and pay for monitoring. My mortgage company refuses to release money from the claim and my city is calling me into court to answer to expired permits, incomplete construction, and code violations. I have been told that if the issues are not corrected, I will be fined and/or jailed.

Company response to consumer: Closed with explanation