vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 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: MD

Complaint narrative:
Ive contacted XXXX & they told me Ive never missed a payment, yet Experian refuses to remove me from being listed as 30 and 60 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. 
I constantly have to do Experians job for them to defend my credit & prove my identity. 
Ive send documentation ( BANK STATEMENTS ) of months in question prior and they STILL refuse to remove these harmful negatives from my profile.

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 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
Specialized loan servicing denied my certified funds back in XX/XX/XXXX in the amount {$1600.00}. They denied for the reasons that incorrect account number or account closed, On the certified funds to make this payment it is the correct account number. I made the payment on time SLS denied the certified funds. I was notified by SLS of the denial of certified funds and when trying to figure this out for 6 months, SLS does not have any record of denying my certified payment. I made the payment on time SLS denied the certified funds. I need my payment history to show no lates for the last 6 months since SLS denied my certified funds. And again i had the correct account number on the certified funds SLS rejected the payment.

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 2021-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is reporting a charged off account on my credit report that should not be there. The account was charged off on XX/XX/2020 and on XXXX XXXX the account was placed with a collection agency called XXXX XXXX. Now capital one and XXXX XXXX are both reporting the same account twice with is against the law. You can not report the same account with the same balance twice on the report. Capital One needs to remove this account asap as they sold it already to XXXX XXXX. 

My obligation is to work with them alone on this and not Capital One. Capital One needs to delete this trade line from all 3 bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have accounts that I have paid off long ago and still show late payments, and past due, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Refer to previous complaints. 
Again, we needed to lift our freeze for a couple of hours to allow us to have credit checked so that we can enjoy our constitutional right, our FREEDOM to do business. 
Events : Equifax login does not recognize our login password. 
We call Equifax - they verify my particulars and request we reset the password We reset the password - Equifax confirm that the password has been changed The login does not work *again* Equifax state that they have a technical issue and ask me to log in after two hours After four hours, I try login. Failed. 
I call Equifax - they want to check my credentials which start with asking SSN, birthday, etc..and then ask " at what date that you last lifted the freeze on your account? '' - I do not know! Equifax refuse access and ONCE AGAIN insists on PAPER PROCESS.. 
AGAIN - THIS IS AN WILLFUL OBSTRUCTION OF OUR CONSTITUTIONAL RIGHT TO DO BUSINESS. We can not proceed with our business unless we submit to a two week (? ) delay to ACCESS OUR DATA that EQUIFAX collects and then monetize. 

LAST POINT : - Equifax now insist that we fill in a form with our Name, Address, SSN, Birth date and SEND THIS INFORMATION BY MAIL! By MAIL? This is sensitive information we DO NOT SEND BY MAIL to NOBODY?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: PA

Complaint narrative:
Ive previously contacted XXXX XXXX via mail requesting the updating of inaccurate information ( late payments ) on my credit report.They sent a letter refusing to remove/ update the information on XX/XX/2020. Then After emailing their CEO explaining my issue I received a call XXXX/XXXX/XXXX. The representative wanted me to tell her my story and afterwards she told me they refused to remove the information again. Tell me that isn't unfair? 

I am very unhappy with the unfairness and inequitable practices of XXXX XXXX. 
After reporting the presence of inaccurate information on my credit report and requesting that the information be corrected. As accuracy is a measure of value, I was told that this information was valuable to my life and that it could not be changed. In addition, my reputation has been ruined as Ive been denied credit increases and extension of credit by multiple lenders due to XXXX XXXX reporting these late payments. 

According to 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient my student loans were discharged when my Lender XXXX XXXX Education Loan Trust dissolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : Re : File # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SS # XXXX BD : XX/XX/XXXX I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is asinine! Please remove the fraudulent information immediately from my file. Home Address : XXXX XXXX XXXX. XXXX, NC XXXX Accounts : XXXX XXXX, XXXX. - {$100.00} ACCT # XXXX XXXX XXXX XXXX  XXXX XXXX - CLOSED ACCT # XXXX XXXX XXXX XXXX  XXXX XXXX - {$2500.00} ACCT # XXXX XXXX  XXXX/XXXX  - {$2600.00} ACCT # xxxxxxxxxxxx XXXX XXXX XXXX XXXX - {$4600.00} ACCT # XXXX You also have a few different listed addresses as my former address : XXXX XXXX XXXX  XXXX XXXX, XXXX, NC XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX I have never lived at these locations. I have been at my current home for the past 25 years. I have included a copy of my utility bill for verification. There was also an inquiry that I noticed that does not represent a request from me. It needs to be removed as well. XXXX  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 explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX  is a reputable company that sells high end pajamas. Individual ( s ) intent on fraud mirrored their website and stole the look and feel, including all of the pictures of models and merchandise, and created XXXX, posing as XXXX XXXX. My wife had been on both websites and couldn't tell the difference and ordered pajamas as XXXX presents from the fraudulent site. She eventually received pajamas from the fraudulent site that were not from XXXX XXXX, were different colors and worse quality, and had XXXX labels on them, not XXXX XXXX labels. The fraudulent site, XXXX only has an email for support so we sent an email to XXXX months ago with no response. If you click through their website it reroutes to XXXX. 

I disputed the purchase with Chase bank, the card used for the purchase, sent them a written explanation, sent them a follow up written explanation with photos of the fraudulent product that arrived, and they claim they are unable to provide a refund unless I have an expert testify in written form the obvious fraud. They also indicated that even thought they asked for pictures they don't use them in an assessment of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I have been trying to contact these companies about the fraudulent activity that keeps being reported on my credit report. I have sent numerous validation request demanding a contract with my signature stating that I agreed to do business with these companies, and have yet to hear from anyone. As I am fully aware of my rights under the FCRA section 609, I demand an immediate removal of these fraudulent items from my credit report. I have sent letters via mail on XX/XX/2020 and XX/XX/XXXX XXXX please help me to contact these companies of this matter.

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 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I initiated the refinance loan with NewRez Loan # XXXX for the property located on XXXX XXXX XXXX XXXX, XXXX CA XXXX with loan officer Mr. XXXX XXXX ph # XXXX NMLS # XXXX. 
I uploaded some of the documents on their website page approximately 4 of the task, the rest of the task I sent them to Mr. XXXX via email 1 ) check stubs on XX/XX/XXXX XXXX ) 1040 income tax returns on XX/XX/XXXX XXXX ) XXXX 's taxes pdf on XX/XX/XXXX After sending him all documents I called him and he verified he received everything, he charged {$600.00} on my visa card for the appraisal. On XX/XX/XXXX I received an email from NewRez with the appraisal report on XX/XX/XXXX I emailed Mr. XXXX asking him how much longer to complete the loan? Because every time I checked the status will say underwriting. He replied by saying it takes 6-8 weeks for the underwriting process, a processor should be assigned to your file soon. There is nothing alarming regarding your file so we are still in great shape. On XX/XX/XXXX the loan became inactive and I tried to get ahold of Mr. XXXX but he was not available or returned any of my messages. 
On XX/XX/XXXX I called NewRez I spoke with XXXX XXXX  and he tried to transfer my call to XXXX but he was not available I asked him to transfer me with a manager and Mr XXXX XXXX  said he was not allowed to transfer calls nor to give any email addresses for any managers. 
Shortly after I received a termination loan letter stating '' CREDIT APPLICATION INCOMPLETE ".

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have disputed this negative account with the credit bureaus as well as the direct creditors and they have reported to confirm the account is valid without any proof. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have National Credit Systems reporting to three credit bureaus that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Over the past 4 weeks I have tried in several occasions to stop the use of my credit - several times my credit has been pulled and someone is trying to use my information to open credit accounts!! I want this to stop as it is hurting my credit score! This is fraud- I am now going to place a freeze but I would like the hard credit runs to be removed NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TN

Complaint narrative:
On XX/XX/2020 XXXX unsure of the exact day ), a derogatory debt was reported on my credit report. I called the lender, which was now in collection with National Credit Systems in XXXX, GA. I talked to a Ms. XXXX XXXX with the credit company. She explained that they had to investigate with the apartment company that the debt was with. She requested I send copies of two ID 's ( driver 's license and social security card ) to verify my address and identity so that they can investigate and remove the error from my report. I sent the information, but nothing happened. After talking to her several times, she finally transferred me to another person without even explaining that she was transferring me. She did this multiple times when I called her. I don't know if this is a scam or someone that is rude. The XXXX has many complaints on this credit company, but they verified that it was a legitimate company. 
Company : National Credit Systems Address : XXXX. XXXX XXXX, XXXX, GA XXXX Phone : XXXX ( ext. XXXX ) Ms. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: New Century Financial Services, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX, XXXXew Century Financial, XXXX XXXX XXXX attorneys obtained a default judgement against me for a XXXX Bank XXXX XXXX in the sum of {$17000.00} In XXXX, I was served with motion to enforce litigants rights, and writ of execution for bank levy. The debt {$17000.00} was collected and satisfied through bank levy. 

On XX/XX/XXXX I received an empty certified mail ( not return receipt ) envelope from XXXX, XXXX, XXXX XXXX. 

XX/XX/XXXX I received a certified mail package From New Century Financial, XXXX, and Superior Court of New Jersey, XXXX XXXX containing Motion to Revive Judgement for {$17000.00}, plus XXXX costs, and {$7600.00} in interest. 

New Century Financial remained Plaintiff, despite disclosing in the filing that the debt had been transferred to XXXX XXXX XXXX. 

Therefore, we respectfully submit that XXXX ) this debt was paid by bank levy, 2 XXXX XXXX and New Century have fraudulently transferred the 'debt ' to a third entity. 3 ) despite this they have defrauded me and the court by representing that I was served according to the rules of the court, making false statements to the court ; claiming they had standing in the matter, and unconscionably adding costs and interests to a debt they had previously collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I have been trying to contact these companies about the fraudulent activity that keeps being reported on my credit report. I have sent numerous validation request demanding a contract with my signature stating that I agreed to do business with these companies, and have yet to hear from anyone. As I am fully aware of my rights under the FCRA section 609, I demand an immediate removal of these fraudulent items from my credit report. I have sent letters via mail on XX/XX/2020 and XX/XX/XXXX XXXX please help me to contact these companies of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Pavilion Payments US BuyerCo, LLC
State: NJ

Complaint narrative:
I have been trying to contact these companies about the fraudulent activity that keeps being reported on my credit report. I have sent numerous validation request demanding a contract with my signature stating that I agreed to do business with these companies, and have yet to hear from anyone. As I am fully aware of my rights under the FCRA section 609, I demand an immediate removal of these fraudulent items from my credit report. I have sent letters via mail on XX/XX/2020 and XX/XX/XXXX XXXX please help me to contact these companies of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I C systems reports the date of your debt incorrectly in an attempt to make your debt look new. In my case they are reporting a debt on XX/XX/XXXX, the debt is actually from XXXX and I have an email from the company the debt was originally from that agrees with my statement.

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 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc
State: MI

Complaint narrative:
On XX/XX/2014 I have refinanced my second house ( Condo ) in XXXX Florida with XXXX XXXX XXXX and mortgage included escrow account which covered taxes and insurance along with the interest and insurance. I was making regular monthly payments for entire amount which included taxes and insurance and never been late with my payments until my mortgage company lost my property due to non payment of property taxes. In meantime I had moved and County clerk sent a foreclosure notice to my old address but I never received it and was returned back to the county clerk as non deliverable. County Clerk also send notices to the Lender but they failed to make any payments ( even dough they have received my payments on monthly basis. ) and my property sold to the highest bidder at a tax foreclosure sale auction. When lender found out that they lost my property to contacted me to see if I would take the property back if they can reverse the foreclosure sale. I agreed to take it back if they can reverse the sale. They went to court for over 2 years and they lost the case and winning bidder still owns the property. I tried to negotiate with my mortgage but they don't want to compensate me for any losses or give me any money for damages. Only thing they offered is wipe out the loan principle balance. I am in court with them trying to get any relief from them. I just got to know about your company and now I am reaching out to you if you may help me with this matter. Address of my property that I lost isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Closed with explanation