vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I filed a dispute of a debt Cavalry Portfolio claims to own with XXXX, XXXX, and XXXX. ( see attached letter dated XX/XX/XXXX XXXX, XXXX and XXXX all forwarded the information to Cavalry Portfolio with a deadline to provide validation by XX/XX/XXXX. 

Also On XX/XX/XXXX, I requested Cavalry Portfolio to provide validation of a debt the claim they own I also requested XXXX to provide accounting of the amount they claim I owe to XXXX XXXX. ) On XXXX XXXX, XXXX XXXX XXXX claims to have mailed me proper validation.Yet they failed to provide a copy of those documents in their response. Making allegations or claims without providing documents of support does not hold any legal standing. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX ( a third party debt collector associated with Cavalry Portfolio ) requesting a settlement for the same XXXX XXXX debt of {$790.00}. This is the only correspondence I have received. 

Cavalry Portfolio never timely responded to my request and have provided no proof they have. 

I am requesting a copy of the letter Cavalry claims to have mailed me on XX/XX/XXXX and proof of mailing they actually sent this letter. 

On XX/XX/XXXX, I filed a Civil claim against Cavalry Portfolio. Since they thought I was bluffing and since it seems to be the only way to obtain unredacted records. 

Cavalry reported this debt to the CRAs with misleading information and deliberately left out crucial information with the intent to defraud. 

Cavalry Portfolio never provided the date of last activity for this account. Alternately Cavalry reports the DATE OPENED as XX/XX/XXXX. This misleads creditors and has a greater negative impact on my credit scores. Negative information has less impact of a consumers credit score as time passes. 

Additionally, Cavalry Portfolio themselves admit they did not buy this debt until XX/XX/XXXX. Therefore, by their own admittance, they reported inaccurate information to the credit bureaus and twice confirmed this information as accurate. This material fact alone is a cause for fines and damages. 

I dont even need to address other false information and violations committed by Cavalry. Instead I will wait for our court appearance and my amended complaint to address those.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX Experian Background Checking reported to XXXX XXXX on behalf of XXXX XXXX that my birth year associated with my social security number is XX/XX/XXXX instead of the accurate year I was born of XX/XX/XXXX. This is even with my correct birth year of XX/XX/XXXX reflecting on my actual credit bureau report from Experian. On XX/XX/XXXX I filed a dispute with Experian to correct this information as well as provide XXXX XXXX the correct information for their reporting to XXXX XXXX. That same day ( XX/XX/XXXX ) Experian completed the dispute but never provided XXXX XXXX with the accurate updated information even though it was requested from them every 30 days following and I also specifically asked them to update the company as a consumer. On XX/XX/XXXX I received a denial of employment from XXXX XXXX stating Experian never updated the correct birth year, they just deleted my social security number on the report and they also never provided the correct updated year of birth of XX/XX/XXXX. I immediately filed another dispute with Experian online as well as via email. Both times the disputes came through as deletion of my social security number rather than updating the actual birth year. I then sent correspondence to open a dispute via certified signed mail on XX/XX/XXXX of which was signed for by an Experian employee on XX/XX/XXXX. No action was taken by Experian other than once again removing my social security number from the report. No update was sent to XXXX XXXX even though I once again requested them to do so as a consumer. I am sending yet another letter to them tomorrow, XX/XX/XXXX as well as filing a complaint with 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 2018-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Caliber Home Loans purports to apply a {$3.00} transaction fee for each online payment in violation of our mortgage agreement and other applicable agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX. My home mortgage prior to the filing was serviced with America 's Servicing Company ( a subsidiary of Wells Fargo ). Shortly after I filed bankruptcy, America 's Servicing Company sold my mortgage to Wells Fargo. On XX/XX/XXXX A Notice of Electronic Filing of my reaffirmation agreement with Wells Fargo ( my home mortgage ) was filed through the bankruptcy court. My bankruptcy was discharged in XX/XX/XXXX. Shortly after the discharge, Wells Fargo submitted paperwork to me explaining the transferring of the account. Since Wells Fargo acquired my home loan, no payment history has been reported to ANY of the three credit bureaus. According to a letter from Wells Fargo, my home loan is being treated as reaffirmed and my payment history is being submitted to all three credit bureaus. This is not the case. In XX/XX/XXXX, I disputed my XXXX credit report. Wells Fargo updated the account. XXXX  attached a statement stating the MY statement to include Account Closed by Consumers request. This is an inaccurate statement and I have once again disputed this information and uploaded supporting documents to my XXXX  account. I have included my payment history that I requested from Wells Fargo establishing that my account is current and has never been late. I am unsure as to WHOM owns my mortgage and to WHOM I am actually making payments to if XXXX  is claiming my home mortgage is discharged through Bankruptcy. I had three other loans I reaffirmed, all three are being reported to the credit bureaus correctly. I am only having issues with my Wells Fargo 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 non-monetary relief
Consumer complaint received 2018-05-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has re-inserted an account on my credit report that is fraudulent. I believe they are doing this to boost their sales of their id protection products. This is illegal and against the law. They refuse to allow me to dispute this account on line calling my claim frivolous. The following account is fraudulent and has been deleted and was fraudulently re-inserted on my Experian credit report : XXXX XXXX XXXX -- # 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 2018-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. 

EOS CCA / XXXX XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. 
I've been asking for verification for 6 months. 

They replied twice. OnXX/XX/XXXX the letter stated " based on the information in our records this letter serves as verification. '' The second letter which came days later was a settlement offer {$560.00} from {$800.00} plus all three credit bureaus are come back verify without any documentations besides there company letter stating verified. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech has failed to address my prior three complaints. The response Ditech gives does not align with the action Ditech has taken. Ditech claims to have taken action and has not fulfilled what they stated they will do. Pictures are attached. 

I am seeking restitution of all late fees due to Ditechs failure to properly and legally apply payments ( instead, they have and continue being held as unapplied funds and are not applied to my loan ). Also, no notice was received regarding change to my payment amount. Ditech claims to have sent this, and it was never received. In previous message, company apologied for handling my account inefficiently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: FL

Complaint narrative:
There are banks reporting that i owe money and i have never had an account with them such as XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX. Also there are other banks th as t keep running my credit constantly and bringing my score down i do know aww hat else to do. Its the same facilities when i check it. I even put a flag so it can not be run without authorizations but that does not seem to matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation no knowledge of the fraudulent accounts on my Experian Credit report. FTC ID theft report # 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 2018-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA violation no knowledge of the fraudulent accounts appeared on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
Caliber Home Loans has decided that they are going to charge a {$3.00} fee to make my mortgage payment on time. I did not agree to this when I signed my loan documents. Caliber has routinely tried to charge me late payment fees even when payments were made on time. It does not surprise me that they are trying to charge a fee to pay them interest. This type of practice needs to be abolished.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are banks reporting that i owe money and i have never had an account with them such as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Also there are other banks th as t keep running my credit constantly and bringing my score down i do know aww hat else to do. Its the same facilities when i check it. I even put a flag so it can not be run without authorizations but that does not seem to matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: FL

Complaint narrative:
There are banks reporting that i owe money and i have never had an account with them such as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Also there are other banks th as t keep running my credit constantly and bringing my score down i do know aww hat else to do. Its the same facilities when i check it. I even put a flag so it can not be run without authorizations but that does not seem to matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation no knowledge of the fraudulent accounts on my Transunion credit report. FTC ID Theft Report # 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 2018-05-28 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: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
TD Auto has received full payment for my totaled vehicle. I paid the final payment after receiving the final statement from the balance left after my gap insurance over month ago. This will be my second time complaining. I have two delinquent payments showing on all three of my credit reports! Im trying to purchase a home. I need this fixed ASAP! This has ruin my credit! Ive tried my best to work with them. They are the worse bank ever! They keep telling me i have To speak to someone in the insurance resolution department. After being on hold for hours and for multiple days customer service still says theres nothing they can do and that its a small department with a lot of calls and I need to call back. Please help me get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX and Equifax have re-inserted a Bankruptcy on my account when it was already deleted. It does not belong to me and it was fraudulently re-inserted back onto my credit report. This is illegal and against the law. XXXX  has already verified this account does not belong to me and has removed it. 

Bankruptcy Chapter XXXX-Discharged. Filed XX/XX/XXXX # XXXX  Court : US Bank Ct. XXXX , Il.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: Brightwater Capital, LLC
State: CA

Complaint narrative:
Hello, I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification.

XXXX XXXX/XXXX XXXX / Brightwater Capital has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report.

I've been asking for verification for 6 months in certified and notarized letters.

They replied once on XX/XX/XXXX The letter stated the account had be sold to Brightwater Capital which also included a non letterhead computer faded copy of a copy statement.

On my credit report it's stating XXXX/XXXX XXXX with remarks stating sold to another lender. I have no knowledge of this account which was opened in XX/XX/XXXX.  Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I am having problems with NATIONAL CREDIT ADJUSTERS , LLC. I had an account that had been late which I understand was my fault. Well it seems that National Credit Adjusters sold this account to XXXX XXXX. XXXX XXXX contacted me and I paid the account in full XX/XX/XXXX. Since then I have file a dispute with XXXX  credit bureau and letters have been written. They keep coming back and saying the file is correct, even with the documentation being attached. They sold this account to summit but they keep reporting it as unpaid. I was told by XXXX  to contact you because they see the payments are made but they can not change anything on my report. Since I brought a house and a car last month ( XX/XX/XXXX-house, XX/XX/XXXX-car ) my interest rates are higher due to National credit adjusters refusal to remove information that is wrong and really doesn't have anything to do with them. As i stated this has been going on since XX/XX/XXXX. XXXX  is sending in another dispute, but the lady told me they most likely will just state its valid and there is nothing I can do. As you will see in the attached documents one dated XX/XX/XXXX, the other dated XX/XX/XXXX that everything is paid completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX in XXXX, TX XXXX ran hard inquiries on me for a auto loan and i di not give them consent. i told them to stop after the first check. ALL hard inquiries were done when i was not even in the car dealership. They tried to get loans for XXXX $ from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX that went on my TRANSUNION Report. THey also ran credit for XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, that all went on my XXXX Report. A total of NINE hard inquiries that were without my consent

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 2018-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bristol Point Financial, Inc.
State: CA

Complaint narrative:
I signed an agreement with this company to pay of my debt of approximately {$4500.00} and when the debt was paid in full, the company promised to file a dismissal of the unlawful detainer case and to clear my credit regarding same. I ran into some financial problems and couldnt make the payment in full. Since then I had been making good faith monthly payments and now the company sends me a bill which added on interest of approx {$200.00} extra a month. I told them that I never agreed nor did they ever put language in our agreement regarding interest. They broke the agreement and are telling me that by law they have the right to charge me interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
TSI Transworld Systems Inc, is reporting 3 medical accounts to the major credit bureau agencies. I have repeatedly asked for an itemized copy of the charges that reflects what I am being billed for, how much and by whom. However, they fail to respond. ALL of my medical bills were paid by my insurance provider shortly after the time of service. I highly suggest they submit the info to the insurance provider for payment. I am not liable for any debt. In the interim they are and have repeatedly violated the FCRA, FDCPA and other stated and federal laws. I am demanding that this erroneous information be deleted from all 3 of my bureaus immediately ( XXXX XXXX. XXXX  and XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had made a deposit to the banking institution chase. I was informed that there was no banking error. However the machine hit a snap and did not provide me with a receipt. I had deposited alot of money and the company refused to provide me video of the deposit please assist. Amount in question well over {$600.00} dollars.

Company response to consumer: Closed with explanation