vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 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: CA

Complaint narrative:
On or around XX/XX/19 I had sent a certified and notarized letter to XXXX which they had received and overviewed they continue to stick by that the typed in signature on the Promissory Note with my name stands as evidence that I'm responsible for the loan, I told them in a phone conversation ( which I have recorded ) that I contest that's not my signature and I'm not responsible for the electronic signature on the Promissory Note they say I'm responsible for, I then still requested that they send me a Promissory note with my wet-ink signature which they verbally said they do not have such a document and they will not send me a letter stating they do not have such a document. 

On XX/XX/19 I sent out a 2nd certified letter that included an Affidavit of Identity Theft including a Police report explaining the Promissory Note that was sent to me did not have my wet-ink signature and that I was not the person responsible for signing the electronic signature they claim I'm legally bound to, I continue to state I was not the individual responsible for signing the electronic signature, the agency has been notified that I have reported this to the FTC and were sent documents to prove this, they are still reporting to other credit reporting agencies this incorrect fraudulent information that's greatly impacting my creditworthiness in a negative way and also causing me great mental stress due to not being able to gain housing either it be leasing or buying.

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 2019-09-16 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
Re : Debt collection letter ( dated XX/XX/XXXX ) from Radius Global Solutions, LLC. 
Creditor : XXXX XXXX XXXX XXXX RADIUS Global Solutions # XXXX Previous debt collector was XXXX XXXX XXXX XXXX ( XXXX ). Debt was disputed and case was closed and all collection activity was ceased. Have letter from XXXX dated XX/XX/XXXX. 

On XX/XX/XXXX, my XXXX year old daughter received laboratory service at XXXX to test for XXXX XXXX XXXX. It appears that SHE WAS ALSO tested for XXXX XXXX ( XXXX ) Foods, a test that was undertaken without her knowledge or consent. Neither her physician, nor XXXX informed her that such a test was going to be undertaken nor did she consent to such a test. A complaint was lodged with the physician as well as XXXX. We became aware that an XXXX XXXX   test was conducted when we received a bill from XXXX for {$870.00}. The physician indicated that he was going to undertake " XXXX  XXXX XXXX to test for XXXX XXXX. '' It appears that our insurer at the time, XXXX, was billed for an additional test, and the claim was subsequently denied. XXXX indicated that the XXXX  XXXX XXXX ( XXXX ) testing is experimental and investigational and it has not been proven to be effective for routine testing for XXXX XXXX. It is unethical and illegal to order and/or administer a test without a patients consent, and particularly one that is not reasonable and appropriate based on professional standards of safety and effectiveness for diagnosis, care or treatment. 

The case was closed by XXXX, previous collection agency a year ago. Why are we now receiving a letter from RADIUS?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX is a closed account that was charged-off. The account is reporting a balance of {$300.00}, which is accurate since the card 's limit was only {$300.00}. However, LVNV Funding/Resurgent, the collection company on this account, is reporting a balance of {$690.00}. This is more than double the original balance! I disputed the amount that LVNV Funding/Resurgent was reporting in XX/XX/2019, and no change was made to the balance that was being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The issue concerns my Capital One MasterCard. My husband and I have been using this credit card issuer for a number of years. On XX/XX/2019, my husband and I left the country for several weeks. While abroad, I was unable to monitor the account activity. 

In late XX/XX/2019, I received an email message from Capital One requesting confirmation of a purchase. I was in XXXX, XXXX at the time and informed the institution that I did not make the purchase. I had a long telephone conversation with Capital One, from which it became clear that someone had used the account shortly following our departure from the U.S. 

Capital One advised that on XX/XX/2019, the day following our departure, someone had called to request a new credit card. At the time, I was in possession of my old card with the same number and occasionally used it for purchases while abroad. 

Long story short, I am the victim of identity theft and fraud and Capital One is refusing to take recognize that fact. They claim that no fraud had occurred and they are holding me responsible for all charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NV

Complaint narrative:
I received a letter from Loan Depot in XX/XX/2019 stating that I was prequalified for mortgage. Since I wanted to refinance my home to eliminate debts in an effort to lower my monthly expenses, I responded. 
I spoke with a representative, XXXX XXXX, and supplied the requested information to start the process on XX/XX/XXXX. After he reviewed the information he informed me that he would not be able to assist me at this time due to my length of employment. On XX/XX/XXXX I received a call from another Loan Depot representative, XXXX XXXX XXXX, and he stated that he was more experienced with loans having these conditions and would like to proceed with the process. I agreed and provided all required information requested from myself and my wife. XXXX advised us that it would be about 30 days to completion of the process through approval, appraisal, and closing. 
I received and email and a phone call from XXXX XXXX, Senior Account Manager, on XX/XX/XXXX stating that she would be my point of contact through the remainder of this process. On XX/XX/XXXX the loan status stated it was " still under review ''. Since going to underwriting on XX/XX/XXXX and the appraisal was completed on XX/XX/XXXX I requested an update from XXXX on XX/XX/XXXX. The auto response stated she was out of the office so I sent a text to XXXX XXXX XXXX asking for an update. He replied that he would check into the matter. 
On Friday XX/XX/XXXX I did receive a return call from XXXX and I ask again for an update. since the loan status as of today, XX/XX/XXXX, still remains " under review ''. 
She advised me that XXXX had closed the loan file on XX/XX/XXXX. I also questioned why I received an appraisal that contained photos of my home and no appraised value. Her response was, " I don't know ''. I have attached email correspondence reflecting the sequence of events which lead to this complaint. 
I feel all correspondence since XX/XX/XXXX has been misleading and deceiving. Were this a loan involving another ethnicity I believe it would have been approved and funded without all the deception. Since we have been put off for so long any opportunity to secure alternate funding has been hampered.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2019, I was called on my landline by XXXX. I was told by XXXX XXXX, he was a network telephone support expert. He asked me if I was using my computer, I said no. He said well you won't be able to your security has been compromised. I opened up my laptop, he was right.I documented the case ID XXXX.he proceeded to say he wasn't able to obtain the security key and serial number on all my devices, he continued with we have to change the security key by obtaining physical XXXX security cards in the form of gift cards. When I questioned that, he said after you make the purchases, you will go home and go to your e-mail account and be able to see the XXXX Refund Receipt. Initially I went to XXXX, purchased 2 {$500.00} dollars gift cards with my American Express card. I opened my laptop, which was now working, went to my e-mail,, with an XXXX refund receipt. ( I have been a XXXX user for many years ). I have copies of everything. He called me back 10 minutes later, and said, it helped to get my computer to work, but my computer was not safe, the cards were old and it didn't work.This happened two more times to the total amount of {$8000.00}. I immediately, notified the local police, the FTC, the FBI, XXXX XXXX, and American Express.They told me not to worry, i would not be held accountable, due to my credit worthiness and history with them, and also my credit habits do not reflect such an obvious scam. I have been receiving bills and finally a debt collector notice. Ive been a XXXX for 38 years, was unemployed when this happened. I am currently working and I just received my first paycheck. Mind you I am 2 months behind on my mortgage. Which says so much about why I wouldn't be purchasing anything from anybody. Please help me, Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was checking my alerts on Experian and came across a court record that had been dismissed on XX/XX/2012. This record should not be showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 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: Lending Club Corp
State: NJ

Complaint narrative:
If a company does not own a loan portfolio anymore, they do not have the legal right to continue to report such to the credit bureau. It will amount to double jeopardy when you are eventually contacted by another company seeking to collect. 
I want lending club to completely delete any financial report issued to the CRA on my name and identification since they are associated with the loan portfolio anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: FL

Complaint narrative:
XXXX XXXXl XXXX opened on XX/XX/XXXX has result of fraudulent activity was charged off by the company in XX/XX/XXXX in the amount of $ XXXX.A police report was filed for this and other fraudulent and identify theft related activities during that time frame.This was already resolved/resolved by XXXX but is still reporting to the other two credit bureau XXXX and transunion. This account does not belong to me and was never verified and is having a profound effect on my ability to secure my mortgage.I was issued free credit monitoring from XXXX be cause by information was compromised they are completely aware of this.

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 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is ABILITY RECOVERY SERVICES # XXXX****was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ABILITY RECOVERY SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section XXXX07 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 )  ABILITY RECOVERY SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ABILITY RECOVERY SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ABILITY RECOVERY SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ABILITY RECOVERY SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AL

Complaint narrative:
My mortgage loan was transferred to Specialized Loan Servicing on XX/XX/2019 from XXXX XXXX. It took weeks to get any information in the mail from SLS but we called to explain our financial hardship and they agreed to send a loan assistance packet for us to fill out and return. When that packet finally arrived about two weeks later, we immediately began filling it out and sent in within two days. We then began receiving letters informing us to contact HUD if we were facing difficulties affording our mortgage, even though we had already communicated with SLS about our situation. While our application was processing we received another loan assistance packet in the mail identical to the one we had previously sent in. Shortly after, we checked the SLS website and noticed that our application was denied. They did not try to help us keep our home! We have two toddlers and are struggling to keep our home and remain positive but its hard because Specialized Loan Servicing has no compassion or willingness to help their customers.

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 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NV

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Complaint Department Elan Financial Services To whom it may concern, I am writing to dispute the following information in my credit file. The item Im disputing is Elan Financial Services Account # XXXX XXXX XXXX XXXX, as reported by XXXX  XXXX. 
This delinquent account record is inaccurate because I was having extreme difficulties paying my account starting in the month of XXXX, XXXX, and XXXX. However, I continued to make my payments online and I one day received a delinquent letter that I was more than 30 days late! There was no way I was late when each month I was making my payments. I called XXXX Nevada XXXX XXXX as that is where my credit card is from. They stated a new company had bought out their old payment company and therefore payments were to now be made at MyAccountAccess.com. I had to create a new profile for me to make my payments. At this point my account was behind and I had to play catch up as I was never notified of this change. This whole time I thought I had been making my payments on time. This account has now been paid in full on XX/XX/2019 of the amount of {$1800.00}. 

I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. As you can see, my payment history is perfect other than this one mistake that I dont believe was my fault. The late payment is also showing up on my credit reports and its done a lot of damage to my credit scores. 


Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Dispute Letter

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 2019-09-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
If a company does not own a loan portfolio anymore, they do not have the legal right to continue to report such to the credit bureau. It will amount to double jeopardy when you are eventually contacted by another company seeking to collect. 
I want XXXX XXXX to completely delete any financial report issued to the CRA on my name and identification since they are associated with the loan portfolio anymore.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This company is not updating my on my auto loan showing my principal is decreasing which in prohibited by FCRA the information theyre reporting is not my true balance. My true balance is XXXX as XX/XX/2019 and my credit bureau report is reporting XXXX which that was my loan balance way back XX/XX/2019. This company is neglecting to report true and accurate updates to my report which is unethical and prohibited by law. When I called they told me that they update monthly but no remedy has been giving to resolve my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is NATIONWIDE RECOVERY SYSTEMS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NATIONWIDE RECOVERY SYSTEMS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NATIONWIDE RECOVERY SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NATIONWIDE RECOVERY SYSTEMS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where NATIONWIDE RECOVERY SYSTEMS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. NATIONWIDE RECOVERY SYSTEMS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One bank is incorrectly reporting my credit card accounts that I have with them. I currently have two accounts, and only one is being reported. To make matters even worse, the account that is not being reported is the account that is in good standing where I have not had a late payment in 2 years and have received several credit limit increases. How can a company have such a blatant oversight that adversely affects one 's credit and finances? I submitted a dispute in this regard in XX/XX/2019 and no updates were made to my credit file.

Company response to consumer: Closed with explanation