vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 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: CA

Complaint narrative:
On more than 3 occasions I have requested that Experian verify the accuracy of the information that they were reporting for XXXX XXXX XXXX XXXX XXXX. They stated that the information was accurate. 

I asked them to re-investigate the accuracy of the information because it was not accurate. They stated that they would not re-investigate the information unless I had additional relevant information. 

It obvious to me that the furnisher of the data for this item is not doing a good job at providing accurate information to them. I should not have to clean up their mess This account was charged off and sold to a XXXX  XXXX XXXX XXXX collection agency. They claimed that they verified this account as accurate. They did not do a good job of verifying this information. I have attached a copy of a letter from XXXX XXXX XXXX XXXX referencing this account. 

Why does it have a balance after being sold to a collection agency? It should have a zero balance. 

This account is being illegally reported on my credit report after my repeated attempts to have you correct the data. Now I am demanding that you delete this account from my credit report.

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 2019-10-22 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA Collections representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: NC

Complaint narrative:
Equifax is still reporting incorrect information. I have disputed this account several times. 
The account in question has been deleted from XXXX and XXXX. These deletions happened in XX/XX/2019. As a consumer, I honestly do not think Equifax is looking into the disputes, they are just marking the account as verified. This account has been closed more than 7 years. It is having a negative impact on my credit file. 

When I tried to verify this account mail came back undeliverable. The address for the company was updated and it was marked as verified. Since then, they have not actually looked at dispute. They are just marking it as verified. I also never received debt validation from XXXX XXXX because the address for XXXX XXXX was incorrect on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
One sent a Postal money order # XXXX for XXXX  and Satisfaction of Capital One Account Ending in # XXXX sent XX/XX/2019 via Certified Mail # XXXX. 
Capital One Bank sent the account to collections and kept the Money Order.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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:
I did not authorize these inquiries to my credit report XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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:
I did not authorize these inquiries to my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: MN

Complaint narrative:
In XXXX of 2019 I submitted a payment of over {$4000.00} to XXXX XXXX XXXX. Said payment was misapplied and I was told that the problem would be remedied. It was not or at the very least, not in a timely manner. This caused my account with them to have several late payments and fees as the amount I was paying didnt cover the amount they thought I should be paying. I have had several accounts with XXXX XXXX XXXX for over 17 years and until this, had a stellar credit rating, This error has resulted in my credit score dropping by almost 100 points in three months.

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 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AL

Complaint narrative:
XXXX sold my mortgage to Specialized Loan Servicing on  XX/XX/2019. Since XXXX, Specialized Loan Servicing has repeatedly refused my mortgage payments. They have  inaccurately changed the amount owed to reflect a significantly higher amount. The escrow itemization is also wrong. I emailed and repeatedly called SLS attempting to pay and explain the inaccuracies without success. I even emailed the CEO asking for his assistance to correct our escrow and accept payment. I received a reply from his email stating he was on vacation and would respond when he returned. Unfortunately he never responded. Our home 's value is almost {$100000.00} more than what we owe SLS. The law firm XXXX XXXX XXXX XXXX located in XXXX is representing SLS, and auctioning our home tomorrow at XXXX XXXX in XXXX county, Alabama. Last month, I was forced to file the attached lawsuit because SLS refused to accept our payment and explain to us why we owe the inflated amount. In XXXX, XXXX and XX/XX/2019 I was told by SLS representatives repeatedly they didn't have all of the documents to confirm the accurate amount which is why they couldn't accept my payments. How could they foreclose on my property when they admitted to not having the proper documentation yet from the recent sale from XXXX? It has come to my attention that an associate of XXXX XXXX XXXX XXXX has a vested financial interest with Specialized Loan Servicing. Is that a conflict of interest? It appears SLS purchased my mortgage with the expectation of foreclosing on my property without allowing me an opportunity to question the inconsistencies. I argue that our lenders and servicers have exploited our mortgage account for financial gain with intent to cause my family financial harm. I ask CFPB to fully investigate this matter, and know that I am prepared to pay what I accurately owe. I beg for your immediate assistance investigating this matter to the fullest extent possible.

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 2019-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I have applied for a loan modification for my primary residence but am having difficulty communicating with my servicer. 
I Finally got approved as of XX/XX/XXXX, after a variance was approved ( XX/XX/XXXX ) to remove my co-borrower from submitting financial documentation for a modification. My co-borrower is my uncle in law who is a non-owner occupied borrower who refuses to cooperate. The lender agreed to continue with the variance and suggested A quit claim deed ( XX/XX/XXXX ) and I submitted it only to find out it didnt suffice. I went through my three month trial period and paid three months of mortgage ( XXXX XX/XX/XXXX ) and was told throughout the process My co-borrower would be removed so I could continue with the final modification process. End of XX/XX/XXXX I received the final documentation and it included my late husband who passed away XX/XX/XXXX and my co-borrower. I pleaded with the mortgage company for weeks to remove my husband which they finally did however I was told they would not remove my co-borrower as he was on the mortgage note. I was told if he didnt sign I would automatically fall into foreclosure. I again pleaded with my co-borrower to sign and the mortgage company with the intention of wanting to pay my mortgage and keep my home for my children and I, with no success. Ive complied though out the process but I was mislead, misinformed and Ive struggled to get answers.

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 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX sold the Account to Portfolio Recovery Associates, LLC. Postal Money Order # XXXX given for Accord and Satisfaction of Account Ending # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: LA

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I first disputed a debt collection online and asked for a method of verification on XX/XX/2019, I also asked for my personal information to be updated and for my innacurate and incorrect names and addresses to be removed. Experian immediately verified the debt without informing me of how it was verified or what documents it used to verify this account and made no changes to my name or address. I disputed this same collection again in writing and through certified mail on XX/XX/2019 and politely asked to be sent every and all information used to verify my debt such as a contract binding me to this collector or any sort of receipt verifying the dollar amount that they are alleging I owed them. I also provided them with a copy of my identification and proof of current address in order to update my innacurate personal information such as names and addresses. Experian verified my debt within 10 days and failed to provide me any documentation and also failed to update/delete my incorrect personal 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 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I having problems company is saying that I miss a payment I called them since another company sold my loan..i ask them to tell me the month they said I miss the payment but they can not tell me.. ow they want to charge me more for the missing home payment..i have all my payments on file since I got the house..i don't know what else to do..my house loan has been sold twice already. New company is saying I'm missing a payment but can not tell me the month they say I miss

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One Bank sold the Account to XXXX XXXX XXXX, XXXX. Postal Money Order # XXXX given for XXXX and Satisfaction of Account Ending # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Bank has charged me a {$25.00} maintenance fee every monthly billing cycle since XX/XX/XXXX through XX/XX/XXXX. By my calculation this is {$300.00}. When I opened my account with XXXX XXXX ( which was acquired by TD Bank ),  approximately 15 years ago there was no minimum balance requirement. I asked for the {$300.00} to be refunded, TD Bank replied that I needed to look at my account sign up agreement ( from 15 years ago ). They credited my account {$50.00}, so I am still missing {$250.00}. I believe TD Bank wrongly charged me low balance maintenance fees that were counter to my agreement with them. I would like the bank to refund the balance of the fees that they have charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
My husband is an authorized user on my account has his own card with his name and they will not report to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have never had and credit or service through portfolio recovery. They are reporting on my credit report and I have never done any business with them. They also have an open date of 2017 which is incorrect because I have had no business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
There is a company on my credit report call MBA Law that portrays themself as a law office collecting a debt. However, one I never received any correspondence from them about this. Number two I never gave anyone any permission to sell my information to anyone to harass me about money. I did not sign any paperwork with this company so I know they have no signature on file for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I took out the school loan in 2006. After I left school, I was told I had to pay {$50.00} per month and a certain percentage of that would go towards interest. I was told I could make additional payments towards the principal, but in fact my payments were only applied to future payments. The problem continued to get worse as the automatic payments continued to be withdrawn from my bank account and applied to principal and interest. After 10 years, my loan hardly decreased at all. 
I finally moved it to a 0 % credit card and paid it off in 1 year. I should also mention my interest went up several times with no notification. From 2 % to 6.5 %, I think. Navient is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I have been exchanging letters with XXXX and enhances recovery company for about a year now. The last document they sent me was document signed by XXXX XXXX and a XXXX worker for a new service. My concern is how can you charge me when I did not sign any documentation or receive a XXXX  phone. This is fraudulent and the charge was from XXXX but showed up on my credit report in XX/XX/XXXX. Please resolve this and remove ASAP as I do not owe them {$630.00} for an account I did not use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX to XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am not able to obtain housing because Navient is reporting 3 late payments on two different loans for a total of 6 late payments. I lost my job in XX/XX/2018. I became XXXX in XXXX 2018. I am a single mother. I recently gained full time steady employment and I have attempted to obtain housing and I am unable to because of these late payments. I was working less than 30 hours a week for the last year and I am still XXXX. I was on unemployment from XXXX XXXX  to XX/XX/2018 and I was on public assistance for even longer than that. I received these late payments during a time when my focus was on providing for me and my child. My unemployment forbearance was granted in 2018 and back dated but the late payments are still being reported. I have tried to resolve this issue with Navient and have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
I have received notices from Credit Management LP of an amount owed to XXXX XXXX of {$610.00}. I do not owe this amount or any money to XXXX. I contacted XXXX and they have no knowledge of this debt or amount. I contacted credit management LP to have them cancel this amount but instead they appear to have reported it to the credit agencies and it has reduced my credit rating. I believe this is a scam and complete fraud. Again, I do not owe XXXX cable anything and Im current on all my accounts. CreditManagement LP of Plano Texas appears to be representing XXXX in this debt collection matter the XXXX has no knowledge of it and I do not owe any money to XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I lost my job in XX/XX/2019, since then I've been struggling making my payments. 
I have reached synchrony bank repeatedly asking to lower my interest rate with the card. 
I had 2 credit cards with them the Amazon and the TJ Maxx, I paid off TJ Maxx and as soon as I paid it off the closed the account without letting me know. 
Now they are charging me high interest rate and they don't want to help me with the payments with the amazon card, they make harassing calls every day and when I answer and try to see if they can help me they just hung up on me.

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