vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 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: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
Once again ... the only errors that have been fixed by Nationstar regarding my VA mortgage loan is they updated the balance on my mortgage loan. 
However ... the payments are still not reflecting what I have submitted to them via on time mortgage payments. 

There is no updated credit score that should reflect all payments ... timely payments I have made towards my VA mortgage loan. I am not receiving the credit points that should clearly reflect my payments with any of the credit bureaus. Nationstar can fix the balance on my VA in a timely manner ... however ... look at the attached that does not show all payments that I have made towards my loan. I should also see a definite increase with my credit score to reflect payments being made on my VA mortgage loan. 

This looks like a rental home instead of a mortgage loan with all three credit bureaus. I need the errors, payments and my credit score fixed and updated by Nationstar. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: CA

Complaint narrative:
I spent a lot of money, time and effort making copies of correct/incorrect billing statements from XXXXXXXX XXXX XXXX XXXXXXXX credit card. I showed and presented an argument that the statements were correct up to a certain month, then all of a sudden they stopped crediting money from my payments toward the balances on the special purchases I made, to them to whittle down the balances. XXXX pulled a bait and switch so they could charge me double interest on the purchases by not crediting payments made on time mind you, to the outstanding balances on record. They will do exactly the same thing with the remaining balances I have under that special agreement with them. They took all of the paperwork, threw it out and never acknowledged it by submitting a normal dispute to XXXX rather than forcing them to prove their reasoning as to why they say I didn't pay the amount off from XX/XX/2017 and threw the entire balance from that date on my statement claiming I owe it when I don't. My fear is they're going to do the same thing when the other 2 expire this year. Then I will have to sue XXXX. I want this matter resolved! The balance is incorrect and XXXX has failed at every turn to prove their case. In addition Experian failed to investigate the matter adequately when provided with a mountain of paperwork to prove the errors made by 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 2018-06-05 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: Bull City Financial Solutions, Inc
State: KY

Complaint narrative:
I pulled a annual credit report and noticed an unknown account on my credit report. Last date reported XX/XX/XXXX. This account looks like it was opened XX/XX/XXXX by Bull City Financial Solutions in the amount of {$1200.00}. I do not recognize this account. I believe someone has falsely used my name and used my personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Once again ... the only errors that have been fixed by XXXX regarding my VA mortgage loan is they updated the balance on my mortgage loan. 
However ... the payments are still not reflecting what I have submitted to them via on time mortgage payments. 

There is no updated credit score that should reflect all payments ... timely payments I have made towards my VA mortgage loan. I am not receiving the credit points that should clearly reflect my payments with any of the credit bureaus. XXXX can fix the balance on my VA in a timely manner ... however ... look at the attached that does not show all payments that I have made towards my loan. I should also see a definite increase with my credit score to reflect payments being made on my VA mortgage loan. 

This looks like a rental home instead of a mortgage loan with all three credit bureaus. I need the errors, payments and my credit score fixed and updated by XXXX. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: IN

Complaint narrative:
Once again ... the only errors that have been fixed by XXXX regarding my VA mortgage loan is they updated the balance on my mortgage loan. 
However ... the payments are still not reflecting what I have submitted to them via on time mortgage payments. 

There is no updated credit score that should reflect all payments ... timely payments I have made towards my VA mortgage loan. I am not receiving the credit points that should clearly reflect my payments with any of the credit bureaus. XXXX can fix the balance on my VA in a timely manner ... however ... look at the attached that does not show all payments that I have made towards my loan. I should also see a definite increase with my credit score to reflect payments being made on my VA mortgage loan. 

This looks like a rental home instead of a mortgage loan with all three credit bureaus. I need the errors, payments and my credit score fixed and updated by XXXX. 

Sincerely, 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 2018-06-05 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 inaccurate 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 2018-06-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit reporting agencies keep putting delinquent information saying that I either have a collection for child support or have late payments. I am constantly trying to get them to delete the errors with no luck. I just have a review of my credit and didn't know that this item was put on my report and credit was not extended to me because of it. I have an order deleting all child support and abating me of any types of responsibility of child support that was signed in XX/XX/XXXX, how can I have late or delinquent charges? I have an order directly from the state of Texas dated XX/XX/XXXX stating that I owe no money in child support, nor do I have any arrearages of any sort. In fact, the state of Texas is working to get me back 4 years of child support that was overpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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:
I submitted a dispute to XXXX  for the account XXXX XXXX XXXX XXXX XXXX that is outdated and DATE OF LAST DELINQUENCY WASXX/XX/XXXXWHICH WHEN ACCOUNT WHEN 30 DAYS LATE THEN LEAD UP TO CHARGE OFF IN BANKRUPTCY. It was sold to a collection agency and is now over 7 years old. XXXX and Trans Union both deleted the account. XXXX failed to remove item after providing sufficient information showing inccuracy, they then reaged the activity date and still are reporting the account. I supplied the original creditors reporting on credit which showed theXX/XX/XXXXdate. This account per the FCRA needs to be deleted as no activity has been made on collection account such as payments or validation. The company is XXXX XXXX XXXX   and the original creditor is XXXX XXXX XXXX. I am attaching original creditor reporting before it was deleted.

Also XXXX XXXX is reporting several 30 day late pays on all 3 bureaus however i attempted to pay all on time but XXXX XXXX  blocked online payment access, has not processed any bill pay payments submitted and will not return my phone calls and hangs up on me when i try to call to make payment. Complaints also have been filed against the company. There are many others who are experiencing the same issues with this company and i also have a pending complaint with the CFPB REGARDING THIS MATTER! See attached documents regarding this account and issues i experienced.

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 2018-06-05 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:
XX/XX/XXXX ANDXX/XX/XXXX EXPERIAN WAS INFORMED THAT I AM A VICTIM OF IDENTITY THEFT AND XXXX IN THE AMOUNT OF {$420.00} WAS NOT MINE AND SHOULD BE REMOVED. EXPERIAN WAS SENT SUPPORTING DOCUMENTS BUT DECIDED TO SEND STALL LETTERS INSTEAD OF ADDRESSING THE PROBLEM. EXPERIAN CONTINUES TO REPORT ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. XXXX CANT VERIFY PROVIDE SUPPORTING DOCUMENTATIONS SUCH AS A CONTRACT BEARING MY SIGNATURE. I HAVE NO DEALINGS WITH XXXX OR THE COMPANY XXXX THAT IT REPRESENTS. EXPERIAN IS IN COMPLETE VIOLATION. THERE IS NO CONTRACT PLUS THIS ACCOUNT IS A RESULT OF IDENTITY THEFT!! HOW IN THE XXXX   IS IT STILL BEING REPORTED WITH NO CONTRACT AND OBLIGATION BETWEEN THESE COMPANIES AND I.

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 2018-06-05 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: IL

Complaint narrative:
The company has responded that it is still working on your issue and my credit score dropPed 70 points cause i reported this to CFBP?

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 2018-06-05 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:
Credit reporting agencies keep putting delinquent information saying that I either have a collection for child support or have late payments. I am constantly trying to get them to delete the errors with no luck. I just have a review of my credit and didn't know that this item was put on my report and credit was not extended to me because of it. I have an order deleting all child support and abating me of any types of responsibility of child support that was signed in XXXX, how can I have late or delinquent charges? I have an order directly from the state of Texas dated XX/XX/XXXX stating that I owe no money in child support, nor do I have any arrearages of any sort. In fact, the state of Texas is working to get me back 4 years of child support that was overpaid.

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 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The company has responded that it is still working on your issue and my credit score dropPed 70 points cause i reported this to CFBP?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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:
The company has responded that it is still working on your issue and my credit score dropPed 70 points cause i reported this to CFBP?

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 2018-06-05 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Ive settle an account with national credit adjusters llc for the amount of {$1500.00} on XX/XX/2018. The original debt amount was {$3900.00}. Even though the account was settle they told me that they were going to delete the account from the credit bureau within 30 to 45 days. Ive called them several times for the account to show the right information but they refused to send the right information to the credit bureau and therefore this show a balance of {$2400.00} instead of a balance of {$0.00} since the account was settle for the amount of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, I received the first phone call from ACI, regarding the negative balance {$2800.00} on my XXXX account. 

The first time I was informed by XXXX about this {$2800.00} negative balance was on XX/XX/XXXX, and I messaged XXXX right away. However, PayPals response is terrible slow. And until today, there is no supporting information from XXXX to explain the occurrence of the {$2800.00} negative balance. I can not find any related transactions on my XXXX activity summary as well. 

So when ACI agency call me onXX/XX/XXXX and tried to collect debt, I asked the representative to provide the same thing : supporting documents that explain why the {$2800.00} negative balance occurred on my XXXX account.Then I  can know what is going on and do next thing. 

The representative contacted me three times afterXX/XX/XXXX, and I always asked for the same thing. But until today, I only received a ACI payment letter on XX/XX/XXXX, and a XXXX statement letter that provided by ACI onXX/XX/XXXX. 

So right now, all the information that I have is I have 4 of {$700.00}, a total {$2800.00} negative balance on my account, dont know why, but ACI and XXXX expect me to pay without giving any explanations. 

Additionally, the attitude of the representative that I spoke with is extremely bad. He never listen, inpatient, and always interrupt me. I think this is another reason why I havent got the information that I needed. 
I demand that correspond with me solely in email and that ACI provide proofs that I personally perform {$2800.00} related transaction activity and owe money. If I dont reply email in 48 hours, then your company can call me.

I will sue ACI if you guys attempt to falsely claim to the credit reporting agencies or other organizations/companies that I have an unpaid debt. 

At last, things I mentioned above, including XXXX message/emails, ACI call history/sent document, and XXXX account activity, are all in attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I bought this watch from XXXX XXXX XXXX for my sons graduation from XXXX XXXX XXXX I went to fitting room and I left my watch in there not knowing what I did i went to the main cashier paid for my other items as I was unloading I suddenly realized that I didnt have my watch I immediately ran inside and to the filling room sadly it was gone I called navy federal and report the insident today I received this insulting letter not only I lost I also have to pay for the lost is that fair?????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Ocwen has been over charging me escrow fees since XX/XX/XXXX. My property taxes were {$6500.00} in XXXX, but Ocwen charged me nearly {$9000.00} in property taxes. My home owners insurance was {$200.00} per month in XXXX, but Ocwen charged me {$280.00} per month. In XXXX my taxes went down to {$2500.00} per year because I reached age XXXX, but 0cwen continues to charge me {$780.00} per month. I have complained in multiple occasions and to date  nothing has been done. I need relief and a lower monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA violation Equifax never send back my credit report were disputedXX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I have a loan with GM FINANCIAL. 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 both XXXX and GM FINANCIAL with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
I have recently been looking into repairing my credit. While doing so, I came across a collection on my credit from Ability Recovery Services which stated that I have a balance of {$2400.00}. I have no knowledge of this debt, It has been on my credit reportedly since XX/XX/XXXX. I have not received one letter or call about this debt. On XX/XX/XXXX, I sent a certified letter requesting the validation of this debt. On XX/XX/XXXX is when they sent me a letter responding with a breakdown of charges related to this debt, no contract binding by me and this creditor, no signatures exchanged, or nothing of the sort. I am not aware of this debt.

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 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I never receive notice from IC system collections nor XXXX  as to why they reported a negative item on my credit report. I was a Customer with XXXX for 5 years and are no longer in contract for mobile services. XXXX is negatively trying to collect for amount not owed and charge for devices that were given free with services. XXXX has try to sell this debt to different collection agency and had to be removed from my credit report because debt could not be validated. I refuse to pay a debt that I do not owe and has fulfill more than my 2 year agreement with this company. XXXX has sold this debt to a IC system collections which I have sent a certified debt validation letter to this company requesting to prove debt owed with sign contract l. no response has been given. I am requesting that IC collections to be removed from my XXXX   credit report. Because of this negative impact I will not be approve for my new home.

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