vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 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:
i obtained a copy of my credit report and seen erroneous information. so i proceeded to challenge the validity of the information. i have not received any information of investigations from the credit bureaus or the collection agencys reporting these debts. they are not abiding by the law and this kind of behavior is unacceptable. i can not obtain a job or take care of myself or my family because of the false and misleading information placed upon my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: FL

Complaint narrative:
i was completely shocked when i looked at my credit report and found the late payments on the dates below XX/XX/2019 XX/XX/2019 XX/XX/2019 I AM NOT SURE HOW THIS HAPPENED. I BELIEVE I MADE MY PAYMENTS TO YOU WHEN I RECEIVED MY STATEMENTS. MY ONLY THOUGHT TO THIS IS MAYBE MY MONTHLY STATEMENT HAD NOT GOTTEN TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2019 I completed information for pre-employment with the company XXXX XXXX XXXX in which they used Experian credit services to verify Identity. the system asked me four questions which were 1. current or past address - which I choose a past address which was also on a current copy of my credit report 2. current or past employment - which I choose my current employer which was also on my credit report that I had in front of me. 
3. the next question was which of the following persons currently or in the past lived with me - I choose none as none of the names applied to me especially since I have only lived with my wife and children for the past 17 years. 
4. The final question was current or past phone numbers in which all phone numbers begin with a XXXX which is a XXXX, Fl. USA area code I have never lived anywhere in Florida. 
The Identity verification failed because of information from experian I have called experian and they continually tried to sell me a 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 2019-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Received notification in XX/XX/2019 of debt from LNVN being reported on all three credit bureau reports. Reviewed reports and noticed a collection of {$5700.00}. This collection has decreased my credit score. I have never heard of this company nor received any type of correspondence verifying this debt nor any correspondence showing their authority of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mobiloans, LLC
State: IL

Complaint narrative:
List of phone calls .... 

Mobile Loans Was told on XX/XX/19 to not pay and then they will offer settlement Missed Call XX/XX/19-XXXX Missed Call XX/XX/19-XXXX Answered Call XX/XX/19-XXXX Missed Call XX/XX/19-XXXX   Answered CallXX/XX/19-XXXX I told them I could not afford to pay them and told them I'm sorry Missed Call XX/XX/2019-XXXX XXXX Sent an email stating I will only want one call a day. XX/XX/19 Missed Calls XX/XX/19 XXXX and XXXX Answered Call XX/XX/19 XXXX XXXX Told them I could not make a payment and asked for settlement Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Answered Call XX/XX/19 XXXX Told them I could not make a payment and asked for settlement. Explained that my other bills come first. 
Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Missed Calls XX/XX/19 XXXX, XXXX Sent a second email stating I will only want one call a day. XX/XX/19 Answered Call XX/XX/19-XXXX XXXX I told them to escalate it to a manger that might be willing to come up with a settlement. 
Missed Calls XX/XX/19XXXX Missed Calls XX/XX/19 XXXX Missed Calls XX/XX/19 XXXX, XXXX Called Them XX/XX/19XXXX I told them to escalate it to a manger that might be willing to come up with a settlement. 


Here is the list of phone calls I received and I have asked for only one phone call a day on XX/XX/XXXX. They said since they are not a third party debt collector the FDCPA does not apply to them. I would like a settlement before it is sold. But they are breaking the law as far as I know.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JNR Adjustment Company, Inc
State: OR

Complaint narrative:
I rented a car from XXXX XXXX XXXX XXXX several years ago and out of the blue they are trying to collect {$1800.00} for damage to the vehicle. I noticed there was a yellow paint smudge and dent on the right front quarter panel the next day when I got in the car. These makes were clearly consistent with the yellow pilons in the XXXX  XXXX  XXXX  XXXX  garage at the airport. I told the attendant when I dropped off the vehicle and and explained that I wasn't asked to inspect the car before I drove it off the lot when I picked it up. He told me that was not a problem and acknowledged that the yellow paint and dent were probably from their garage and that this has happened before. 

I later sent a letter to XXXX  XXXX  XXXX XXXX  when I returned home alerting them for good measure. 

several months later I received this bill from XXXX  XXXX  XXXX XXXX. I called several times, wrote another letter, and never heard back from XXXX  XXXX  XXXX XXXX. I then received this collection notice from JNR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have some of my information that is not accurate on my credit profile. I currently live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I am self employed OWER OF XXXX XXXX XXXX. My DOB is XXXX my SS # is XXXX Please remove the following addresses they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: LA

Complaint narrative:
The agency was asked to provide validation of an alleged debt on XX/XX/19. I sent the agency two original billing statements from the original creditor along with the VOD letter. The letter of response from the agency dated XX/XX/19 stated it had validated the debt and provided a copy of a Statement of Security Deposit Account with my name fraudulently added to the accounting statement and is clearly evident in the different font size of the names. According to the original billing statement the accounting of the charges are inaccurate as well. I wrote to the agency again on XX/XX/19 stating the statement was misleading and fraudulent since I had already provided an original billing statement from the original creditor with the true and correct information. Since the agency blatantly ignored the proof I provided I requested them to provide me with a contract with my signature on it, an affidavit signed under penalty of perjury or something other than a typed up document parroting incorrect information. The agency refused my request stating my dispute is frivolous, despite the original billing statements I provided, and the statement they provided was considered proper verification. Since the agency continued to report the fraudulent account I also disputed the information with all three credit bureaus providing the same information. The bureaus claim to have verified the information with the furnishing agency despite original billing statement I provided. It seems the bureaus are also just parroting information without doing there own independent investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: NJ

Complaint narrative:
1. Experian did NOT remove a few of the disputed items as they stated on their response for complaint # XXXX ( see attached Experian response stating this, copy of dispute results showing all disputed items still on there AND a copy of my dispute letter dated XX/XX/19. 

2. The only account that was removed recently was XXXX XXXX and it was due to that XXXX XXXX couldnt provide me with any verification at all ( see enclosed documents ) and Experian has been saying for the past few months they have verified that same account and several others I have been disputing. How is that so? What exactly is your method of verification Experian? Its obvious Experian hasnt done anything to verify the disputed debts. Experian as a credit bureau agency the least you can do is require legitimate proof of debt before reporting erroneous information thats damaging to as persons credit.

3. Also Experian didnt respond on my previous complaint " why would they provide a collection agency ( XXXX XXXX ) copies of my social security card and drivers license if those personal documents were only addressed to Experian ''. 

Please advise.

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 2019-06-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Bank of America # XXXX is reporting a late in 2017 that I should not have. This was due to a technical error on their half and they said it would be removed. There should not be a late on this 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 2019-06-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
on XX/XX/2019 i spoke with a Ms.XXXX XXXX because i received a call at work that i may have to leave work to take my mother to the hospital. i gave her a call and she was upset saying that she had received a call from Fay Services that they had foreclosed on her home and she had to send them XXXX a year for Escrow and as well as insurance. 
But the thing is that the house is paid for and has been for the 35+ years. this is not the first time that Fay Services has gotten monies from my Mother she sent them monies before with them saying that her or my now deceased father had took out a loan from XXXX? i asked her and she said it never happen. 
moving forward i spoke to Ms. XXXX and was told that my mother had a mortgage i let her know that the house was paid off 30+ years ago she then said she had to put me on hold .after about 20 minutes she came back and said that it was for insurance i then inform her that it was a fire at the house and there was no insurance on the house until it was remodel she then said something about a " lean Policy " i asked her what did we need in order to straighten this matter up and she told me to send the documents i asked what documents and to either send me a email or a fax to my office and was told that in order to send a " Email '' it would involved getting it approved by the Government..Red flag ..i said how can i send the documents that you want if you can't tell me what it is that i should send, i then aske if it was a office that we could meet at eithe in the XXXX  area or surrounding area and the answer was no .i then looked up FAY SERVICES and found that it was numerous complaints on then so now i'm reaching out to your agency for help thanks XXXX XXXX as you can see in the doc it don't say documents its for i'm confuse

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: HI

Complaint narrative:
On XX/XX/2019 I found out I was the victim of identity theft when I went to apply for an auto loan. I requested my credit report and found about a month later when I received it, a credit card from XXXX XXXX XXXX with a balance of {$8200.00} that was not mine. I filed an FTC report on XX/XX/2019 to report I was the victim of identity theft. I asked all three credit bureaus to investigate. They did not remove the information, just put a dispute. I then followed up with XXXX and they took it off of my report and sent me a letter confirming that they considered the dispute resolved. I wrote to all three credit bureaus, and provided all of the supporting documents they asked for : passport, property tax bill FTC report, XXXX letter, my ssn, my dob, a cover letter. I mailed everything to all three on XX/XX/2019 with a request to put an extended fraud alert on my account. I also asked all three to remove the inaccurate information from my credit history. XXXX and XXXX followed the directions. 

My problem is with Experian. They sent me a letter dated XX/XX/2019 that said they are reinstating the information previously blocked. They state that they received contrary information. This is not possible since I already provided a letter from the credit card company XXXX XXXX XXXX that there is no dispute with me. 

Experian has intentionally harmed me by keeping inaccurate and false information about a debt that I do not owe on my credit report. I should not have to go through fixing this over and over. They should be penalized for harassing me by changing the information without explanation to reinstate inaccurate information after they were given all of the correct information several times. 

They have provided no help in resolving a problem which they are now perpetuating with real damage to my reputation. I think that they should be sued for their behavior.

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 2019-06-25 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: Credit Karma, LLC
State: SC

Complaint narrative:
I was reviewing my credit score via CreditKarma, and noticed a hard inquiry from a " XXXX XXXX NV '' I am not familiar with this company, however some searching on XXXX lead me to XXXX reviews, and XXXX reviews showing this company to be a complete scam. 
A person referenced in one review is a " XXXX XXXX '' I am familiar with this individual as he has attempted to lock me into a contract for payment processing with a company called " XXXX ''. I urge the CFPB to look into XXXX XXXX, " XXXX '' and the XXXX XXXX XXXX XXXX in XXXX XXXX South Carolina. 
I have attached some public review based evidence of this companies attempts to scam people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent continuous letters to Equifax, asking for proof on 6 accounts that they reporting on my credit report. They just answer that the account are been verified, I asked how they verify this accounts and never answer my petition. I don't remember having any business with companies. That's why I'm soliciting them for proof of valid information to keep this accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: UT

Complaint narrative:
XXXX  XXXX XXXX # XXXX is reporting a late in XX/XX/2017 that I should not have. This was due to a technical error on their half and they said it would be removed. There should not be a late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late in 2017 that I should not have. This was due to a technical error on their half and they said it would be removed. There should not be a late on this 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 2019-06-25 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late in XXXX that I should not have. This was due to a technical error on their half and they said it would be removed. There should not be a late on this 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 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
One Main Financial at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX continues to use harassing tactics by calling from multiple branches throughout GA and AL. I have received 9 calls from various numbers since XX/XX/19. I have looked up every number and they all say One Main Financial. As I block a number, they call from a different location.I have spoken with them several times to voice my concern about the harassing calls but they continue. They told me they can call several times a day. I have gone online and scheduled a payment for XX/XX/XXXX. I owe {$320.00}, I've scheduled a payment for {$250.00} today online. Leaving {$78.00} balance to make me current. The payment has to show on their end. I can't believe that they have continued to call me additional times today, XX/XX/XXXX, since I set up the online payment. The calls come from different branches. The numbers they have called from so far are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: UT

Complaint narrative:
On XX/XX/2019 we received a response from LendingClub Corporation for CFPB Case No. : XXXX. In their response they state that the outstanding balance left owing on the account was interest accrued from XX/XX/2019 to XX/XX/2019. We just paid off two other accounts in full by the amount of the balance due from the online statements, the same way we paid this account off. Both accounts have a XXXX balance with no additional interest accrued. In one sentence of the response it is stated that the {$740.00} was applied to interest accrued from XX/XX/XXXX to XX/XX/XXXX and then it is stated in another sentence that this amount is the remaining principal with interest added to it totaling {$830.00}. This response make no sense. 
Also they didn't address the issue of the bait and switching of the interest rate from 17.99 % at the time of application to 27.27 % as the final interest rate. We would never agreed to this loan at this interest rate. 
No explanation was offered as to why our account was closed online, which they admit to closing in the response. Why was our account closed if the loan wasn't paid in full?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: MI

Complaint narrative:
Reported an account that's paid. Reporting inaccurate information on another account. Stated that they'll accept payments but could still report to credit bureaus. Said that I'd have to pay in full to prevent negative reporting to the credit bureaus. I'm on XXXX and the amount owed is more than a months earnings for me. Was told I should pay them and ignore new medical bills. If I ignore new bills, they'll end up here and will be reported.

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