vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I believe this late payment is a error since Im been paid my credit card on time, I call the company and made couple disputes but Im really cant explain well because I have lenguaje barrier, and this moment Im taking class to change couple barriers and take more controls of my financial life you can see alway be made my payment in time this is error I would like a change to continue with a good perform on my financial

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2020 a communication was sent out to XXXX, XXXX  and Experian for identity theft after a report was filed with the Federal Trade Commission on XX/XX/2020. The communication indicated these reporting agencies to block/remove all fraudulent information appearing on my consumer report for debts I did not owe and accounts that were created through identity theft. Said credit reporting agencies have failed to completely remove the fraudulent accounts from my consumer file. This is defamation of character and a violation of my consumer rights. 

Article I Section 10 of the constitution for the united States of America states, " No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. '' Per Title 12 Sub Section 411 of the United States Code, Federal reserve notes, to be issued at the discretion of the Board of Governors of Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal reserve bank. 
Any note constituting a " promise to pay '' is not legitimate. Due to House Joint Resolution 192, Set Off and equitable relief are asserted.

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 2020-10-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently sent letters over 60days ago to this bureau and they are disregarding a regular consumers dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a damaging affect on my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they shave not sent a response. Please help its having a huge damaging affect on my credit report and score.

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 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
On XX/XX/2020, I was frauded out of about {$14.00} dollars from my savings and checking account. I received a telephone call from XXXX XXXX, telling me that I was over paying for the membership and they wanted to reimburse me. I gave them banking information to receive the funds and some how they supposedly deposited about {$11.00} into my account.I was duped into getting cash cards and even wired the money to their back being honest in giving the funds back. The whole time, they were cleaning out my account. They told me that they took my money and needed {$5.00} to get my money back, of which I didn't have. I immediately called my bank, Navy Federal Credit Union. I explain the circumstance, sent them documentation of the wire transfer, and gift card transactions. I changed my password, closed all accounts and created new accounts, and new debit card. There were two fraud claims created. Debit card and wire fraud. Yesterday, I received a call from the bank, telling me that all claims were denied, because I allowed access to my accounts. I was only trying to do the right thing not knowing that I was being frauded. My mortgage, auto payment and other bill money was also taken from. I sincerely hope that you can help me get my money back. This was my life 's savings. I'm a Retired XXXX XXXX XXXX, who protected our country, now I need someone to protect and help me out. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: NY

Complaint narrative:
Request to Remove All Delinquents Credit Reporting With Judges MANDATE From United States Court of Appeals for the Second Circuit Today with Sufficient Supporting Proof In XXXX XXXX favor against United States Department of the Treasury. Social security check garnished every month and bad faith collection not following FTC guidelines by Coast Professional inc collection company and neglect. 

To Remove All late payments for XXXX for the past three years because I was in school and Administrative Waiver under Federal law timely file. I was also granted as a matter of law and Sovereign Immunity. 

XXXX XXXX XXXX is desperately collecting and reporting incorrect XXXX XXXX  XXXX XXXX  prepaid card with out proper full disclosure of Truth In Billing Reconciling all payments activities and Federal Truth In Billing Disclosure Act for closed paid initial account paid in full for {$300.00} reported as {$3500.00}. No proof provided just frivolous comments with no bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Tried to dispute showing balances settled would not let me told to file a complaint with consumer protection

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 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Lvnv funding has placed a garnishment against me never contacted me or anything I dont even know what the debt is for. I did try to contact them but never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Requested several attempts to resolve late payment status on a secured credit card closed in XXXX. for the past 6 months thru XXXX XXXX Complaints Management Office.. 
Finally received notice and written communication XX/XX/XXXX via email. instead of phone messages. 
I had requested a secured card to be closed in XXXX of XXXX and to use the proceeds from the savings account to pay off the card. and send me any balance that I may be owed me, or if I owe them to send me a billing of what I owed them. as I was closing down a business due to financial demise in XXXX. Instead XXXX XXXX kept the account open and generated additional late fees and higher interest rates until it came to the point of having to charge it off, However they couldn't charge it off as there was a secured savings account covering the card, The account was paid in full by me in XXXX of XXXX and it is not the late charges or higher interest I am concerned about it is the reporting. They reported it as 30 day 60 day 90 day 60 day 90 day late. The payment from the secured account would have brought it current so having multiple 60 and 90 day late with this account at XXXX XXXX wasnt accurtate reporting. However they removed the initial 30 and 60 on Transunion  and XXXX  leaving XXXX late on transunion beginning XXXX XX/XX/XXXX and on XXXX  they changed it from XXXX to XXXX 120 day late both starting XX/XX/XXXX. When all 3 of these late payments should have been removed with the initial 2 late payments, as the seven year time frame has arrived for removal which XXXX has done properly and no longer reports any history of late pays.. and at the same time XXXX XXXX increased the XXXX  late payments from from 90 ,60.90 days instead now reporting them as 120.90.120 late days. 
XXXX XXXX need to eliminate the remaining late payments that were in succession with the original 30 and 60 day late payment that they removed as the time of 7 years for the initial late payment succession began and all reference and history of late payments should now be removed from my Transunion and XXXX  credit report. .Currently XXXX  is the only agency properly reporting no late payments and I would like XXXX XXXX to correct the issue with Transunion and Equifax 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 2020-10-02 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: WA

Complaint narrative:
Requested several attempts to resolve late payment status on a secured credit card closed in XXXX for the past 6 months thru XXXX XXXX Complaints Management Office.. 
Finally received notice and written communication XX/XX/XXXX via email. instead of phone messages. 
I had requested a secured card to be closed in XXXX of XXXX and to use the proceeds from the savings account to pay off the card. and send me any balance that I may be owed me, or if I owe them to send me a billing of what I owed them. as I was closing down a business due to financial demise in XXXX. Instead XXXX XXXX kept the account open and generated additional late fees and higher interest rates until it came to the point of having to charge it off, However they couldn't charge it off as there was a secured savings account covering the card, The account was paid in full by me in XXXX of XXXX and it is not the late charges or higher interest I am concerned about it is the reporting. They reported it as 30 day 60 day 90 day 60 day 90 day late. The payment from the secured account would have brought it current so having multiple 60 and 90 day late with this account at XXXX XXXX wasnt accurtate reporting. However they removed the initial 30 and 60 on XXXX  and Equifax leaving 90,60..90 late on XXXX  beginning XXXX XX/XX/XXXX and on Equifax they changed it from 90.60.90 to 120.90 120 day late both starting XX/XX/XXXX. When all 3 of these late payments should have been removed with the initial 2 late payments, as the seven year time frame has arrived for removal which XXXX  has done properly and no longer reports any history of late pays.. and at the same time XXXX XXXX increased the Equifax late payments from from 90 ,60.90 days instead now reporting them as 120.90.120 late days. 
XXXX XXXX need to eliminate the remaining late payments that were in succession with the original 30 and 60 day late payment that they removed as the time of 7 years for the initial late payment succession began and all reference and history of late payments should now be removed from my XXXX  and Equifax credit report. .Currently XXXX is the only agency properly reporting no late payments and I would like XXXX XXXX to correct the issue with XXXX and Equifax .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IN

Complaint narrative:
This is my 5th complaint without any resolution. My mortgage was brought current via Indiana XXXX XXXX Funds in XXXX, payment of {$26000.00}. Since then Homepoint Financial has added past due amounts that has went from {$6000.00} to now currently {$42000.00} in a matter of a few months, How's that happen? My housing councelor has made every attempt to contact Homepoint with no success. I've been advised that foreclosure has been filled yet again. I've requested and received a complete payment history and we have noticed 7 payments from 2016 of {$1000.00} each not listed on the payment history. We made these payments via certified bank check and have requested copies of the cleared checks from our bank. If these payments were not credited to me Homepoint has no grounds for foreclosure. Between the XXXX XXXX Funds payment of {$26000.00} and the {$7000.00} in payments we made that's not showing, there's no way we can be past due. Escrow is showing a negative balance of XXXX which is 100 % false because the hardest hit funds brought the escrow current. How can my escrow go {$12000.00} in the negative in just 3 months?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Tried to dispute showing balances settled would not let me told to file a complaint with consumer protection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed that Experian was showing I had a delinquency or serious derogatory remark affecting my credit score in early XXXX. I have never been late or delinquent on any account, this is also proven by my credit report. I called and opened up a case. The customer agent agreed there was nothing on my actual credit report and that it was a technical glitch. They submitted a ticket ( # XXXX ). Weeks went by and then the tech department emailed me saying it was not a tech issue and there is a mark on my credit and to call back to dispute. This is what originally I did. I called back again and that agent verified again that there is nothing in the detail of my credit report and this is an error. They then said they need to submit back to the same department. I am in the middle of applying for a mortgage and this is impacting that. They refused to have anyone contact me or provide a letter stating there is an error on my account. I keep getting bounced  around which no resolution. I am getting penalized in my credit for an error by Experian. I am not sure what else to do as this is their error.

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 2020-10-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting wrong information on my credit report. I am extremely stressed and worried. I have sent dispute and its been over 30 days and they failed to respond. They are breaking the law.

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 2020-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC
State: ID

Complaint narrative:
I went to the XXXX XXXX XXXX 'XXXX XXXX XXXX in XXXX, Idaho in XX/XX/2019 for a XXXX  and walked out with almost {$5000.00} in medical bills several hours later. I felt the medical tests they ran were unnecessary. I spoke numerous times to the medical billing office to see if someone could see reason. I also examined the listed medical prices online and found the prices I was charged were radically inflated. The hospital refused to negotiate or reason and sent me to a collections company. I spoke several times to that collections company and was told they'd send me a copy of the bill ( which I have already. ) That's the last I've heard of them, but both the hospital and the collections company warned me this would affect my credit.

I just refinanced my home, and my once stellar ( XXXX  ) credit score had been so affected, my rate was higher and there was a medical collections on my credit report. I don't know what to do at this point.

{$5000.00} for several hours in a waiting room, and a diagnosis of " rest and drink liquids '' is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I believe this late payment is a error since Im been paid my credit card on time, I call the company and made couple disputes but Im really cant explain well because I have lenguaje barrier, and this moment Im taking class to change couple barriers and take more controls of my financial life you can see alway be made my payment in time this is error I would like a change to continue with a good perform on my financial

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 2020-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion failed to respond in a timely manner and they are reporting inaccurate information on my credit report. I am extremely stressed and worried because i am unable to purchase a home because of their inaccuracy which need to be deleted as soon as 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 2020-10-02 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: Atlanticus Services Corporation
State: IL

Complaint narrative:
In XXXX I lost my job due to covid, I worked at a hotel and applied for unemployment. I did not receive my first unemployment check until XXXX. I reached out to Fortiva when I got my first check and they asked for {$160.00} and I gave {$200.00} and was told that since I lost my job due to Covid 19 they won't charge me a late fee and it won't show up on my credit report. Also they put on my account that I was affected by a natural disaster. A month later in XXXX I see that they marked my credit as delinquency and called them right away. I spoke to the manager and they said it was a mistake on their end and will wave the late fee and will let all three credit agencies know that it was their fault and that I was not late. I also received a letter from the manger XXXX stating that they will inform all three major credit reporting on updating. I waited a month and still nothing was deleted. I have tried to depute it with the credit agencies for months now and nothing has changed. Fortiva told me that I was not going to be punished since I lost my job and since were are in a pandemic and recession. I keep calling Fortiva and they keep telling me that it will be deleted and still don't see it deleted on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation