vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: CO

Complaint narrative:
I entered an agreement with Cornerstone Lending to  automatically remove a prearranged mortgage amount from my bank account monthly. The first auto payment taken form my account was for {$42.00} more than agreed to in the written contract.. In the agreement the company also states that they must advise me 10 days in advance if the amount of money removed from my account will change, by how much, and for what reason. I was not notified. After discovering this overcharge on XX/XX/XXXX, I called the company multiple times. I was hung up on twice, no one knew why I was overcharged, and no one would connect me to anyone who did know what was going on. The Cornerstone broker  who sold me the refinance loan tried to reach out to the company as a favor to me. He claims that they won't tell him what the overcharge was for, and that they will send me a letter some day to explain. Meanwhile, I must wait until XXXX for my escrow analysis to see if I get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a loan with NAVY FCU, XXXX XXXX, and XXXX XXXX XXXX   I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, NAVY FCU, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received a copy of my credit report while applying for a home and found that National Credit Adjusters had thrown a debt on my credit profile without any notice in the mail or phone call. This is the ONLY debt on my credit file and it is stopping me from obtaining a stable place to stay for my family. I disputed the debt through the credit bureaus and asked the debt to be validated by sending me a copy of an ORIGINAL CONTRACT with ORIGINAL SIGNATURE, PAYMENT HISTORY etc. I received a response rather quickly saying Debt Verified I feel like the issue was not even looked into on top of that I have yet to receive any validation. I have NEVER applied for a loan with National Credit Adjusters or anyone else please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and NAVY FCU with no successful resolution. XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2018 ) and I was never 60 days late ( XX/XX/2018 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am a victim of identity theft. 
Due to Goldsman Sach USA last response to my complaint ; " Marcus by Goldman Sachs, a brand of Goldman Sachs Bank USA ( the Bank ), received the above referenced complaint via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/XXXX. We appreciate the opportunity to address the issues raised by XXXX XXXX XXXX ( Mr. XXXX or the Customer ) and the CFPB. Mr. XXXX complaint alleges that a personal loan ( the Loan ) was opened with the Bank on XX/XX/XXXX without his authorization or knowledge. The Bank conducted an investigation into Mr. XXXX complaint and determined he remains liable for the Loan. According to our records and investigation, the Bank successfully verified the Customers personal and account information with our procedures during the Loans application and origination. Additionally, the nine ( 9 ) successful payments made towards the Loan came from the same external account that the Loan funds were disbursed to. The Bank has verified that this external account was owned by the Customer. Given the payments to the Loan, as well as the Banks confirmation of the information provided at the Loans application and the consistency of which this information ties to the information independently provided by the Customer, the Bank has determined that the Customer remains responsible for the Loan. A response to this complaint was sent directly to the Customer. Based on the above details, we kindly request this complaint be closed. '' I have received my XXXX XXXX account with XXXX Bank statements used to open the account for the loan was in deed FRADULANT. Under The Fair Credit Act. I request that Goldmans Sachs Bank USA send confirmed authentic copies of the information used to open the fraudulent account in my name. This includes, Emails, Bank Statements uses to apply for the loan, Payment history for the account and any other information regarding the fraudulent account. I have my XXXX XXXX Copy of banking history I would like to validate Goldmans Sachs USA information. Under The Fair Credit Act, and my rights that I am exercising under this act, you are required by law to send all information on the fraudulent account to support your claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I prepaid entire lease in full as he brought the car. 
When lease ended in XX/XX/XXXX, I tried to return it to the dealership But the dealership, XXXX XXXX GM went out of business I went to several dealerships,, XXXX XXXX, XXXX and XXXX XXXX and no one would take car. 
I called gm and they said try XXXX XXXX GM I went to XXXX XXXX, gave them the car, they didnt give me a receipt and they had nothing for me to sign. I asked who does he need to pay, and the dealer said, they didnt now and that GM would send a bill and for to wait for it In XX/XX/XXXX I received bill from GM and paid bill. 
A month or two after a {$80.00} bill came and he immediately paid. 
In XXXX I ran my credit and it shows late payments. 
No notice of past due amounts were sent, no phone calls were made and for no reason I was marked late. 
After he paid he got another bill on XXXX stating {$35.00} more is due ( see bill in folder )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Received letter on XX/XX/XXXX that Capital One " reduced your credit limit to {$5000.00}. '' I observed Capital One performed an account review soft inquiry on my XXXX consumer reporting file XX/XX/XXXX. They did not advise me of when review occurred or what criteria I did not meet in the last 24 months. 

Further Capital One updates my XXXX XXXX every week since I had the card in XX/XX/XXXX which improved 50 points. It most recently was XXXX, the highest it has ever been yet Capital One took adverse action which may affect my credit score or standing with other lenders. 

They keep sending me pre-qualified offers for car loans etc. and yet would take action ordinarily reserved for deteriorating credit rather than an exceptional credit score. Their response to my initial complaint, which they claimed was a " counter offer '' was simply re-stating exact contents of prior letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgence Legal Group, PC
State: IL

Complaint narrative:
XXXX XXXX XXXX served me for a debt from XXXX bank from 2004. I understsnd i had a balance but i was charged almost {$4000.00} in fraudulent charges from a kiosk cellphone place ( XXXX ). It was a few months later that i realized about these fraudulent charges. I called XXXX bank to inform them and they told me that it was to late to file a claim. Now 16 years later i was served because they are trying to collect over {$22000.00} that i owe. I spoke to Resurgence Legal Group , PC and explained the situation. They filed a dispute for me. Days later they called me back and told me that the bank had validated these charges and sent me paperwork on XX/XX/XXXX. I explained that i have not received anything and they continued to ask how i would like to pay the balance. Today is XX/XX/XXXX and i still have not received any kind of papers validating/verifying these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XXXX, 2016 NATIONAL CREDIT SYSTEM added derogatory marks on my credit file, per XXXX, upon further research this account was transferred/sold and I am no longer responsible for these accounts. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say that it's mines. According to the FCRA, NATIONAL CREDIT SYSTEM has violated my rights as a consumer and i'm requesting legal action to remove these accounts immediately. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: CA

Complaint narrative:
The account is old and closed. The car was purchase in XXXX and paid. And close XXXX and they charge it off with a balance of XXXX. They still have the account on my current report has open. The account is reporting on XXXX and Trans Union. The account was remove on XXXX XXXX credit report. Do to old account and closed.

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 2020-09-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The account is old and closed. The car was purchase in XXXX and paid. And close XXXX and they charge it off with a balance of XXXX. They still have the account on my current report has open. The account is reporting on Experian and XXXX XXXX. The account was remove on XXXX fax credit report. Do to old account and closed.

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 2020-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC
State: DC

Complaint narrative:
I am a federally protected consumer and I have requested validation of the debt owed to Carvana for my XXXX XXXX XXXX XXXX. I sent the letter on XX/XX/XXXX and it was received and signed for but I have not received a response. Additionally, upon receiving the vehicle I noticed an error in my name on the registration and was told by Carvana staff that there is no way for them to fix this error. This is liable to cause harm to me and my family if pulled over, which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: TX

Complaint narrative:
This is the second dispute attempt to have these miscellaneous accounts from my credit report. These accounts were never verified according to the FCRA guidelines 623 & 611. Intend to pursue litigation in accordance with FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 ; the items below are not accurate and fraudulent accounts : XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXX, 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 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: LA

Complaint narrative:
Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: GA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im using Experian app to fix my credit score im paying XXXX dlls a month and a I need to remove a bad credits report from XXXX XXXX I already paid the amount I use to own and they supposed to removed from my credit report and they havent done it If they can not be able to fix my problem I will cancel my membership

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 2020-09-01 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: TX

Complaint narrative:
This is the second dispute attempt to have these miscellaneous accounts from my credit report. These accounts were never verified according to the FCRA guidelines 623 & 611. Intend to pursue litigation in accordance with FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 ; the  items below are not accurate and fraudulent accounts : XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 2020-09-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: DC

Complaint narrative:
I am a federally protected consumer and I requested validation of alleged debt with Fed Loan Servicing. The letter was received on XX/XX/2020 and I have not received a response. Fed Loan Servicing is in violation of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: GA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-01 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: GA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I am a federally protected consumer and I requested validation of alleged debt with Navient. This document was received by Navient on XX/XX/2020. I have yet to receive a response from the company involving this alleged debt. Navient is in violation of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2014, XX/XX/2014, XX/XX/2014 ), also I was never 60 days late ( XX/XX/2014, XX/XX/2014, XX/XX/2014 ), and I was never 90 days late ( XX/XX/2014 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
Mercantile Adjustment Bureau has reported a collection account to my consumer credit file.I do not owe this alleged debt! Mercantile Adjustment HAS NOT SENT any written notice of collection to me at all. This is a strong violation of the FDCPA! If Mercantile Adjustment Bureau has the right to collect in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUAL DOCUMENTS stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt in question in which Mercantile Adjustment has reported to my consumer credit file. Mercantile Adjustment has no legal right to attempt to collect a debt as this does not belong to me. Again Mercantile Adjustment has not validated this debt nor sent me any notice of collection

Company response to consumer: Closed with explanation