vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have these two collection accounts on my credit report from a company call XXXX XXXX XXXX which i have never done business with. It appears those two accounts are original from two capital one credit cards that i had more then seven ( 7 ) years ago and those accounts were charged off. Now, XXXX XXXX XXXX started reporting both them on my credit on XX/XX/2018, one with the balance of {$2400.00} and the other {$1000.00}, they also appear on my credit as derogatory marks. The balances they are reporting are also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information concerning this consumer to consumer reporting agencies as shown by the accompanying exhibits.

2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

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 2019-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
RE : ACCT # XXXX ==>I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. 

Dear Manager ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late. 

If you wish to send me documentation that you will remove all derogatory information from this account, that is all I will require. 

Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of the statements, as well as, any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required30 day timeframe. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX refuse to clear my account They refuse to tell me where is the balance from There failed to process my dispute The. They reduced my credit limit from {$4000.00} to {$300.00} They toyed with me request stuff waisted my time caused me harm and Heath problem I am seeing attorney for law suites XXXX  thinks they could do this and get away with it This is how they do business When customer return everything they keep a balance so they could force customer to make payment pay interest Then when customer ask about the wrong balance they refuse to say they play around menaplate charges late fee do every cheat fraud in the book Thinking customer is afraid and pay without question This will be very costly for 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 non-monetary relief
Consumer complaint received 2019-04-07 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: KY

Complaint narrative:
I agreed to pay this debt off for a lesser amount and the company was suppose to remove this off of my report because I no longer owe nothing or any corporations this debt was prepaid off!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/2019 American Express lowered the credit limit on 2 of my American Express Cards. One was lowered {$8100.00} and the other was lowered {$5000.00}. This occured within minutes of a charge from a lawyer. I had a XXXX balance on each of the 2 Amex cards, and had never missed a payment with Amex or any other issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found t

he following : 1. Your company has furnished negative information concerning this consumer to consumer reporting agencies as shown by the accompanying exhibits. 2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found
within the consumer protection laws.

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 2019-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: OK

Complaint narrative:
On XXXX XX/XX/XXXX, I sent a certified XXXX letter to Enhanced Recovery Company notifying them that I was not aware that their company was placing an account on my credit report. The company never followed up with a letter or verification after I sent that letter, the account continued to remain on my credit report. After that letter was sent the company continues to use tactics that are against the Fair Credit Reporting Act continues to age the account when not authorized to do so, with the most recent update in XX/XX/XXXX, I have had no contact with the company outside of the letter that was sent in XXXX. This company can not place an account on my credit report without notifying me by mail so I have the opportunity to dispute the debt and can not age a account to make it more current in order to keep on a consumer credit report. There needs to be an investigation that is done to see how many other consumers this company has done this to. I also contacted the originator of this debt and the company has not responded with a verification of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
after seeing my report on XXXX it showed that I had a missed payment 1 month ago their office is closed. However I call equifax to start a dispute I verified all my information and at first I were told I gave them the wrong social security number I hung up then called right back and they next rep told me I did give sufficient account  information. now I'm confused because last month I called and the same thing has happened I have been calling equifax every month since XX/XX/2018 I looked and seen alot of this were wrong on my report I called and everytime I'm told by the rep that they can't identify my account however I get asked over 10 - 15 questions about y account and can't get any thing resolved I'm always being told to fax in my request then my dispute will get process this is getting very tiring because my XXXX  friend called and only get asked 4 questions and get asked how can they help her i'm a XXXX XXXX and I have to be asked 15 different questions only to be told that I haven't given the right information this is very frustrating why is it other race don't have to go through the hassle as another race this is ludicrous. Now I have to wait until Monday before I can fax to get my credit report and to see which account is reporting delinquent then file an dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: KS

Complaint narrative:
We have never been late on a mortgage payment. 

Our loan, # XXXX, is owned by XXXX XXXX and serviced by Round point Mortgage Servicing Corporation, XXXX XXXX XXXX, XXXX NC. The first week in XX/XX/XXXX, we contacted Round point to let them know we would be changing the insurance carrier on our house. We followed this up by calling again in the first week in XXXX and the middle of XXXX. Our policy was due to renew on XX/XX/2019. During the last call the customer service agent for Round point said they received the XXXX page from XXXX and all was good as they had not paid the old insurance carrier, XXXX. On XX/XX/XXXX we got an {$890.00} refund check from XXXX. We called XXXX and they had not been paid the {$890.00} owed them. That same day in the mail we received a letter from Round point dated XX/XX/XXXX threatening us if didn't get insurance. We then called them twice asking for a postage paid envelope to mail them the refund check, once speaking with a XXXX, and would they please pay the right insurance company. They have raised our mortgage by {$60.00} a month and have sent another threatening letter saying we owe they them {$1200.00} for the escrow account. Now the are saying they send us a postage paid envelope either. We still don't know if they paid XXXX. 

The math they are using doesn't add up right. Their mismanagement might mean we may not have insurance on our house. I am not paying the postage to mail them the refund and I don't trust them to put it in our account anyway. I have asked them for control of our own escrow account as we'd actually pay the bills correctly and they said no. How far can they go in threatening us?

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 2019-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
On XX/XX/XXXX, my house was broken in and {$60000.00} face value of US Savings Bonds were stolen. I called XXXX XXXX Police and a crime report was written. I also reported to the Treasury Dept for the bonds being stolen. Treasury Dept directed me to submit some forms to verify identity, to identify the numbers of the bonds, and to convert the paper bonds into ibonds. OnXX/XX/XXXX, XXXX XXXX in XXXX Arizona opened bank accounts ( # # XXXX & XXXX ) for a person in the name XXXX XXXX XXXX by means of my social security number and California driver 's license number, and let this XXXX XXXX XXXX cash the stolen bonds for {$94000.00}. I do not understand why XXXX XXXX let this person redeem the stolen bonds even though the names on the bonds do not match this person 's name. 
On XX/XX/XXXX, I received a letter from Treasury Dept stating that I owed the US government {$120000.00}. I talked Treasury Dept over the phone and explained it. Treasury Dept did not try to find out the truth. Instead, Treasury Dept sent the debt to XXXX XXXX XXXX, aka ConServe. On XX/XX/XXXX, ConServe sent me a collection letter and asked me to pay {$120000.00}. I wrote to ConServe to dispute the collection and request a copy of Proof of Debt. ConServe confirmed receipt of my dispute and request over the phone. I have not heard from ConServe for more than half year since I disputed the collection, nor have I received a copy of Proof of Debt. ConServe can not practise business in such a bad manner!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
i got a notice in the mail stating my wages would be garnished and was thentened with a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On XX/XX/XXXX I had a medical bill with XXXX XXXX. This bill went to their billing XXXX  internal billing dept. I had called to pay the amount owed in XX/XX/XXXX and the XXXX told me that they would link all my account together and I paid XXXX. Since that date, all of XXXX and XXXX, I have paid all co-pays, or other bills that were patient responsibility not knowing that this bill was still open and I never got another bill. It was not linked and XXXX XXXX couldn't tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: MS

Complaint narrative:
I submitted my dispute letters to Transunion and XXXX regarding incorrect personal identifiers, negative accounts that were not mine and inquiries that I did not authorize. As of today those negative accounts are still on my credit causing a negative impact on my credit score and my financial ability to obtain credit. I have asked for validation of said accounts and have not receive the proper validation that has been asked and requires when disputing a negative mark on ones credit. I have as for the Credit Reporting Agencies to provide proof from the furnisher of said debts or DELETE from my account but I have not receive what I have requested. Items that they state by way of correspondence are still on my credit and I asked that they be BLOCKED in accordance to Section XXXX of the Fair Credit Reporting Act. I have asked directly for Transunion and XXXX compliance under the Fair Credit Reporting Act to validate accounts or remove them from my report and they have failed to do so. My next step will be to seek legal action because they have continue to violate my consumer rights under the FCRA and I have sent several request asking for validation or deletion.

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 2019-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : # 1. XXXX XXXX on XX/XX/XXXX # 2. XXXX XXXX l on XX/XX/XXXX XXXX # 3. Members XXXX XXXX on XXXX XXXX # 4 XXXX on XXXX XXXX # 5 XXXX on XXXX XXXX. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows ...

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 2019-04-07 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: MS

Complaint narrative:
IsubmittedmydisputeletterstoXXXXandExperianregardingincorrectpersonalidentifiers,negativeaccountsthatwerenotmineandinquiriesthatIdidnotauthorize.Asoftodaythosenegativeaccountsarestillonmycreditcausinganegativeimpactonmycreditscoreandmyfinancialabilitytoobtaincredit.Ihaveaskedforvalidationofsaidaccountsandhavenotreceivethepropervalidationthathasbeenaskedandrequireswhendisputinganegativemarkononescredit.IhaveasfortheCreditReportingAgenciestoprovideprooffromthefurnisherofsaiddebtsorDELETEfrommyaccountbutIhavenotreceivewhatIhaverequested.ItemsthattheystatebywayofcorrespondencearestillonmycreditandIaskedthattheybeBLOCKEDinaccordancetoSection605BoftheFairCreditReportingAct.IhaveaskeddirectlyforXXXXandXXXXcomplianceundertheFairCreditReportingActtovalidateaccountsorremovethemfrommyreportandtheyhavefailedtodoso.MynextstepwillbetoseeklegalactionbecausetheyhavecontinuetoviolatemyconsumerrightsundertheFCRAandIhavesentseveralrequestaskingforvalidationordeletion.

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 2019-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: OR

Complaint narrative:
Debt was from XX/XX/XXXX. In XX/XX/XXXX I checked my credit report and the debt had be re-aged only a few days prior to my checking it! In XX/XX/XXXX. There was no option in your automated system that I found for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/2018 regarding an inaccuracy in your credit reporting. Specifically as it relates to collections that I did not recall owing, made by the following company XXXX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and I am seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Actous breach of my privacy rights. I further remind you that, as in you may be liable for your willful non-compliance based on FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX and protection afforded by the FDCPA. Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company,

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 2019-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My credit card that I originally had from XXXX  XXXX went into collections however they sold my information to a different agency which contacted me to settle and pay off this debt and was told that this account would be reported paid and closed this account I made the payment in full. The credit bureau has now updated a report this inaccurate account as a charge off has if it as never paid this account.I reported this as a disputed to the credit bureau asking them to investigate this matter according to them they said that they have investigated and they have completed their report and they have updated my credit information that I failed to pay. I contact original creditors they told me that the creditors that they sold my information to has this account I called that creditor they said yes they do have it that I did pay and settle this account and it was not a charge off and they reported that to the credit bureau however the credit bureau has now updated this Inaccurate information to my credit report this account is viewed as failure to pay and now as a charge off. I responded to the credit bureau to have them update and do another investigation to update my credit report.I paid off a lot of my debts assuming my credit report and score would change. This account has been paid off for two years now. Credit bureau is reporting on some of my Credit report that some of my accounts are paid but I still have not gotten a score in four months.which is now costing me financially with a higher interest rate. Please help me with this manner thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I called few times to remove this collection accounts from my Beureau- cfsi XXXX XXXX XXXX : csfi manager XXXX XXXX XXXX XXXX : on XX/XX/2018 She promised to remove it due to mistake. I have been identity theft victim. Never have been in hospital or any debt and they still reporting wrong and causing me damages I found that 46 like my name have in us but I cant do anything. I sue XXXX ans XXXX ans the paid compensation. I will give company XXXX / cfsi or whatever there name 7 days to remove or will sue them as well. Please advise them for the last time! 
My last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Advise to my email please : XXXX XXXX

Company response to consumer: Closed with explanation