vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-18 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: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  v. XXXX  XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  DEAR Creditors : Recently, I received a correspondence from XXXX  Credit Reporting Agency and/or it's attorney ( s ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services.

In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) c/o XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date ( s ) of final payments : XX/XX/XXXX-XX/XX/XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) HSBC XXXX XXXX XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX  cc : XXXX  Settlement Class Counsel XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX XXXX XXXX XXXX and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. There are four auto loan accounts missing from the year of XX/XX/XXXX-XX/XX/XXXX. Two are Nissan Motor Acceptance Corp accounts. One was a used vehicle under {$15000.00} purchased approximately XX/XX/XXXX and the other was a new vehicle purchased in XX/XX/XXXX. The other two vehicles were purchased in the XXXX XXXX, VA area from the same car dealership. Both were new vehicles. However, one of those vehicles was leased and the vehicle was in possession for four years, which was the leasing term, then traded in on the XX/XX/XXXX vehicle with NMAC. The two vehicles purchased in XXXX XXXX, VA were purchased between XX/XX/XXXX-XX/XX/XXXX and then in XX/XX/XXXX. One or more other lender ( s ) may be XXXX or XXXX XXXX XXXX and/or XXXX XXXX or XXXX XXXX XXXX. 


Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: CA

Complaint narrative:
Earlier this year I submitted a complaint via the CFPB portal about Equifax 's investigation to a previous dispute and their failure to comply with the FCRA by not properly verifying two accounts on my credit report nor providing me with the proper method of verification per my request. A new investigation was opened and on XX/XX/XXXX, Equifax responded by saying they were unable to locate a credit file with the identification information that I provided. 1st, I did not provide any identification information. 2nd, the address that they have on this letter includes an apartment number of an old address and they are associating it to this new address which is a house, not an apartment. They are asking me to provide 2 forms of identification to match what they have on record for me as my address, but what they have on record is incorrect. There are two problems here. One, this is a dunning letter which is meant to stall the investigation process to buy them more time. That is unacceptable because their records are wrong and need to be fixed on their end, not mine. Two,  Equifax already has my identification information on file because when I call in about my account they are able to successfully locate my file and matching identification. This is a method to stall my original request to have the following accounts removed because Equifax can not properly verify them : XXXX, acct # XXXX and XXXX XXXX XXXX. Not only do these accounts need to be removed, but my proper address needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Results Unlimited, Inc.
State: NJ

Complaint narrative:
In XXXX, I was never served with court documentation of court date. Due diligence was not afforded to me. A judgment was placed and a lien on my account surfaced in XXXX as well as a wage garnishment. This wage garnishment caused me to become homeless with a dependent as well as other funds in my accounts. The agency purposely had the Notice of Lien forwarded to a random address in XXXX XXXX with my personal information in it. I had to drive to XXXX XXXX to get the resident to agree to sign a notarized letter indicating I never resided there or received mail there. After investigation and a documentation trail, it was discovered this debt was paid. In XX/XX/XXXX, I showed proof to the judge I was not served properly and that the agency and its attorney purposely denied me due diligence to deceive the court. The judgment was vacated in XX/XX/XXXX. The court was notified with their required form with my new address. The funds were returned. In XX/XX/XXXX, we went back to court where I had already began the process of filing for bankruptcy. The case was non suited.. In XXXX, XXXX I received a message via social media by a former neighbor in XXXX that I was served at her address in XXXX with a court date in XX/XX/XXXX. The court date was continued until XX/XX/XXXX where the bankruptcy was already in place. Documentation was supplied to the court. Each court visit caused me to travel from XXXX XXXX to XXXX, I was charged {$100.00} by each bank for the lien fees. I had to stay in a hotel for 6 months until the judgment was vacated. This debt was satisfied back in XX/XX/XXXX. Each time the agency and their attorney filed in court, they purposely had me served at my former address in XXXX, knowing I lived out of state and were aware of my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC

Complaint narrative:
Good Afternoon, I have 30 years mortgage loan ( Loan # XXXX ) with XXXX XXXX  XXXX  XXXX , XXXX. 

For the pasts five year, I have been making payment to XXXX XXXX for time manner. Unfortunately the Loan was sold to Penny Mac. By law, the new owner of your loan must notify me within 30 days of effective date of transfer.

I have never received notice from Penny Mac Loan No.  XXXX or XXXX XXXX. 

Now I'm getting harassment phone calls from Penny Mac stating my loan is default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Transunion XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from Transunion Credit Reporting Agency and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with Transunion or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. There are four auto loan accounts missing from the year of XX/XX/XXXX-XX/XX/XXXX. Two are XXXX XXXX XXXX XXXX accounts. One was a used vehicle under {$15000.00} purchased approximately XX/XX/XXXX and the other was a new vehicle purchased in XX/XX/XXXX. The other two vehicles were purchased in the XXXX XXXX, VA area from the same car dealership. Both were new vehicles. However, one of those vehicles was leased and the vehicle was in possession for four years, which was the leasing term, then traded in on the XX/XX/XXXX vehicle with XXXX. The two vehicles purchased in XXXX XXXX, VA were purchased between XX/XX/XXXX-XX/XX/XXXX and then in XX/XX/XXXX. One or more other lender ( s ) may be XXXX or XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. 


Respectfully Submitted, XXXX XXXX XXXX cc : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA 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 2019-01-18 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: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX XXXX XXXX XXXX and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between XXXX or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. There are four auto loan accounts missing from the year of XX/XX/XXXX-XX/XX/XXXX. Two are XXXX XXXX XXXX XXXX accounts. One was a used vehicle under {$15000.00} purchased approximately XX/XX/XXXX and the other was a new vehicle purchased in XX/XX/XXXX. The other two vehicles were purchased in the XXXX XXXX, VA area from the same car dealership. Both were new vehicles. However, one of  those vehicles was leased and the vehicle was in possession for four years, which was the leasing term, then traded in on the XX/XX/XXXX vehicle with XXXX. The two vehicles purchased in XXXX XXXX, VA were purchased between XX/XX/XXXX-XX/XX/XXXX and then in XX/XX/XXXX. One or more other lender ( s ) may be XXXX or XXXX XXXX XXXX XXXX American Honda or Honda Financial Services. 


Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX XXXX XXXX XXXX XXXX it's attorney ( s ) Consumer Litigation Associates, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. There are four auto loan accounts missing from the year of XXXX-XXXX. Two are  XXXX XXXX XXXX XXXX accounts. One was a used vehicle under {$15000.00} purchased approximately XX/XX/XXXX and the other was a new vehicle purchased in XX/XX/XXXX. The other two vehicles were purchased in the XXXX XXXX, VA area from the same car dealership. Both were new vehicles. However, one of those vehicles was leased and the vehicle was in possession for four years, which was the leasing term, then traded in on the XX/XX/XXXX vehicle with XXXX. The two vehicles purchased in XXXX XXXX, VA were purchased between XXXX and then in XX/XX/XXXX. One or more other lender ( XXXX ) may be XXXX or XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. 


Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened an online savings account but was unable to create a username for online access because of a retail checking account I had 6 years ago. I do not know the password for that account. I am unable to reset the password online, and when I call in to get the password reset, I am transfered endlessly between people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: NJ

Complaint narrative:
Paramount Recovery has reported to XXXX a negative collection account and want it removed immediately. This is not me and never been to XXXX XXXX XXXX.. This collection has damaged my score and is not even me please remove ASAP 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 2019-01-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am paying my mortgage for 10 years. The mortgage is for 25 years. But even after 10 years my principal is still XXXX and interest is XXXX. Moreover I have been charged unreasonable late charges of {$900.00} for each occurrence. I am senior citizen and feel like I am ripped off. This is my life time investment and after 10 years of payments I left with almost same outstanding principle. Please investigate. 
Name of mortgage company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Tel : XXXX Re : XXXX XXXX XXXX XXXX Loan Customer: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 2019-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I have a medical bill from XX/XX/2018. Nothing was owed at the time of service as instructed by my care providers. I never received a follow up bill in the mail and was not informed of an outstanding bill on my account which I would like to pay off. I received a call from RMP collections about two months ago - the agent on the phone did not state what company they were calling from, what the bill was owed for, that there was any option to dispute the bill, or even the name of the agent. They requested that I make payment via the phone immediately - I found this highly suspicious and asked that they send the bill to me via mail which they seemed very agitated about. A week later I received a barley legible copy of a financial report, here I was able to discern that it was for an unpaid medical bill. I called the clinic and attempted to pay explaining that I had never received the original bill, I believe they sold my debt instead however to RMP and I would like to dispute the bill. I'm happy to pay for the medical services but do not feel that the charges for RMP collections write off are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: S&N Debt Solutions, LLC
State: AL

Complaint narrative:
I agree to pay XXXX XXXX XXXX XXXX XXXX a certain amount for 3 years, then I offer to pay them more to pay it off early starting with my very first payment. I paid them more than what they ask for, did the full 3 years on time, one month before my 3 years is up they call to tell me they made a mistake and that they misquote me and I need to agree to pay them for another 5 to 6 months. I told them that was their problem if anything they owe me, I wasnt supposed to do 3 years. My last bill they said they wasnt going to pay or negotiated on unless I pay them for another 5 to 6 months, I told them Im not agreeing to it so they sent it to a Collection Agency.

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 2019-01-18 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: NH

Complaint narrative:
XXXX XXXX Closed : XX/XX/2017 ... {$1700.00} This account is not mine. I've never done any business with XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, NH 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 2019-01-18 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: NH

Complaint narrative:
XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX I've conducted no business with these companies. I am sure these inquiries are errors.

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 2019-01-18 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: NH

Complaint narrative:
XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX I've conducted no business with these companies. I am sure these inquiries are errors.

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