vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Kohls has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting my CLOSED - paid off - mortgage - XXXX XXXX account XXXX - as delinquent -120 days. 
This morgage has been closed and paid off on XX/XX/2017! Need this to be fixed ASAP. This account has never been delinquent and/or late and it is closed as XX/XX/2017

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 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: IL

Complaint narrative:
Medical Business Bureau has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: VA

Complaint narrative:
Landmark Financial has been told repeatedly not to call before XXXX. 
I get 3 to 4 calls daily with voice messages now that I have blocked their number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Since XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX has been both reporting and attempting to collect a debt for XXXX XXXX company. This is a debt that was NEVER owed. I spoke with XXXX and it was supposed to be resolved as of XX/XX/XXXX. I disputed with all 3 credit bureaus only to receive the response that meets the requirements of the fair credit reporting act. 
On XX/XX/XXXX I recieved notification that XXXX XXXX XXXX reported a update of delinqent account to my credit report. 
On XX/XX/XXXX I called both XXXX XXXX XXXX and XXXX. At this time I was told : ( a ) I owed no money to XXXX ( b ) XXXX did not sent my account to this collection company ( c ) The amount of {$180.00} was credited to my account to show I owed {$0.00} balance since XX/XX/XXXX. 

I have been denied an apartment application, credit cards and loans because of this falsified debt owed. I have also been paying higher insurance premiums based on my credit report that reflected a false deliquency. I would like to know how many others are being forced into paying debts they dont owe by this same company. I would also like to know how they had the authority to try to collect a debt that essurance denies was sent to their collection department.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: Pinnacle Credit Services, LLC
State: MI

Complaint narrative:
I have disputed the inaccurate reporting of Pinnacle Credit Services LLC several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. Pinnacle is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX   and XXXX Pinnacle Credit Services LLC. The investigation into this inaccurate account has been less than adequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX decided to reinserted NON VALIDATED information back on my credit files, with all bureaus. They could not provide me with the proper VALIDATION of said debt. They could not provide me with a contract or promissory note with the ORIGINAL said debtor signature. They removed it back in XXXX and today I got notification that this negative information has been reinserted on all credit reports. 
I did NOT receive 5 days notice that they were going to reinserted this NON VALIDATED said debt, and that there is against the law. 
I have not heard from this company since XXXX of this year.

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 2018-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX decided to reinserted NON VALIDATED information back on my credit files, with all bureaus. They could not provide me with the proper VALIDATION of said debt. They could not provide me with a contract or promissory note with the ORIGINAL said debtor signature. They removed it back in XXXX and today I got notification that this negative information has been reinserted on all credit reports. 
I did NOT receive 5 days notice that they were going to reinserted this NON VALIDATED said debt, and that there is against the law. 
I have not heard from this company since XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Walmart has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2018-05-12 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: MI

Complaint narrative:
I have disputed the inaccurate reporting of XXXX XXXX XXXX XXXX several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. XXXX is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX   and Equifax XXXX XXXX XXXX XXXX. The investigation into this inaccurate account has been less than adequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: MI

Complaint narrative:
I have disputed the inaccurate reporting of XXXX XXXX XXXX XXXX several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. XXXX is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX. The investigation into this inaccurate account has been less than adequate.

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 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
Professional Credit Management has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
In XX/XX/XXXX Nationstar demanded our mortgage payment. We disputed this since the company originated the loan was since put into bankruptcy by the Federal Govenment for fraud. We demand to see contract under FDCPA and they fail to provide oirginal contract for our review that said we must pay them. Subsequently, they begun foreclosure proceeding and we defended by starting a suit in federal court ( XX/XX/XXXX ) and by Nevada 's Mediation Program. At this point all colllection activity should have been stopped according to the FDPCA. In XX/XX/XXXX we filed our law suit in the Federal Court & In XX/XX/XXXX, the Nevada Foreclosure Mediation Program determined that Nationstar had no right to forecluse lack of proper documents. IN XX/XX/XXXX, the Federal Case was dismissed for diversity issue and I file case in State Court in XX/XX/XXXX after Nationstar begun foreclosure proceedings again and we also while case was pending in State Court went through a second Mediation Program. Because of rules changes, Nationstar didn't need proper documents and we were not allowed to challenge the document presented by Nationstar and they were allowed to foreclose even though we had a default judgment for failing to respond in a timely manner in State Court. However, in XX/XX/XXXX, the State Court Judge erroneous dismissed our case based on improper pleadings by Nationstar 's Attorney  that had nothing to do with what we alleged in our suit. Seeing that getting a fair trial wasn't possible by the Judge 's action we decided to pursue a modification through NACA and receive a trial approval from Nationstar in XX/XX/XXXX. Since then, we have not missed one payment or we haven't been late at all not one time. We completed the trial period as scheduled and modification became effective XX/XX/XXXX. After all this, Nationstar now Mr.Cooper went back and reported us late with all credit reporting agencies beginning from XX/XX/XXXX until XX/XX/XXXX. This is unfair and unlawful in accordance with the FDCPA 15 USC 1692. Once a debt is disputed, all collections activites must stop until verification is provided. Proper verification was never provided to us. I believe in some of their modification paperwork they force you to accept these late payments of risk not getting the modification. If need, I will send court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
This account was wrongly created by a store employee that did not followed the correct procedures. The phone was returned prior to 48 hrs and the offer was up to 72 hrs. I tried to fix this matter with the  company and they were not able to help me. I have never had a late payment in my credit history and they are telling me I owe them {$53.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: International Computer Systems, Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
The " Quick Pay '' option for Navient was incorrectly allocating my payment to the lower interest rate and not paying my higher interest loans- resulting in additional interest charges. 

Minimum payments have been calculated in order to achieve maximum financial gain from Navient- attempts to reach out to company via their website does not provide a feature to inquire about incorrectly allocated payments. 

In turn, hundreds of dollars have been paid to interest that should had been applied to the principal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: IL

Complaint narrative:
The XXXX XXXX  popped up on my credit report on XX/XX/2018. Its says I have an account that was opened with XXXX XXXX XXXX on the same day in the amount of XXXX. I have tried to call the company to see where the account came from but all I have gotten since calling is only music playing. This has dropped all of my scores on my credit report by 42 points and I'm trying to by a home. I have never had an account with XXXX XXXX XXXX. Please help me. I have looked them up online and it says the company is a scam. Please help me. This has set my family back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mnet Financial Inc
State: TX

Complaint narrative:
A response came back from MNET through CFPB. I have reviewed the response made by the business in reference to complaint, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. 
*I didn't ask for validation in my complaint. 
*I asked that the account be deleted in light of the fact that the company failed to validate the account and kept persevering with collection activity despite it. Hence, once again in light of this company 's violation of the FDCPA Sec 809, which gives me the right to pursue this matter in court, I am demanding that the account be deleted or I will pursue this company for the violation

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 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Economic Recovery Consultants, Inc
State: AR

Complaint narrative:
ERCI has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
onemain fin co. put a loan debt on my credit report for $ XXXX.and said that the original creditor was spring leaf, onemain is useing the account number-XXXX in the amount of $ XXXX.spring leaf was paid under account number XXXX-in the amount of $ XXXX.date XX/XX/XXXX.now that it is on the dater basic of the c.f.p.b. and the XXXX under the same number, which the bureau will get a copy of. by  staying on my XXXX  and XXXX  credit report you are aware of the fact that you are breaking the law.of the F.T.C. Fair Reporting Act. By reporting False information.I do not owe you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I signed up for a monthly {$19.00} credit check service via TransUnion on XX/XX/XXXX, and canceled the subscription service exactly one week later via their website, which confirmed my account was closed. Subsequent to this, I was charged in XXXX, XXXX and XXXX for an ongoing monthly subscription. I have called TransUnion to dispute this and was told that " I did not successfully finish the process of unsubscribing on their website. '' I told them that I had unsubscribed already and certainly wanted to unsubscribe again, effective immediately. Even at this stage, they suggested I use the website to unsubscribe. When I told them that my login no longer worked, since my account no longer existed, they asked if I was sure that I wanted to unsubscribe and made me confirm this multiple times. This is a scam and it should be rectified.

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 monetary relief
Consumer complaint received 2018-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
My issue is with Synchrony Bank and the manner in which they manipulate my credit limit which impacts my credit score. For a short period they were more than willing to provide and increase my credit limit, far beyond what I needed. 

In the past year Synchrony Bank has closed 1 account that I had a XXXX balance on and had not used in approximately 1 year, reduced my credit limit and then closed an account the month after I paid off my balance and significantly decreased the limits of 5 other cards. 

I made 4 purchases, 2 tires, a washing machine, a new PC and a laptop for my daughter who was starting college that increased my available credit to about 50 %. My payments are always on time, for more than the minimum and I just refinanced my house, all of which I thought demonstrated my credit worthiness. By decreasing my limits it raised the % of available credit to 75 % and dropped my score significantly. Essentially they ignore the responsible use of credit and on time payment history and penalize you for using their cards. The impact is far greater to me as a responsible person than seeing a XXXX XXXX XXXX XXXX limit drop from {$2500.00} to {$800.00}. It's seeing my score drop from XXXX to XXXX. 

I understand they can not look at each person individually but as the credit providers for so many specialized stores they should understand people are not buying tires and washers every week. 

Is there any contact or recourse available to discuss or appeal these decisions? Their customer service reps, while very courteous and polite, simply read from a script basically saying they can't make a change and if you want you can apply for higher limits, which in itself will drop your score. 

Thanks,

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 2018-05-12 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: FL

Complaint narrative:
When reviewing my credit report I discovered that Experian illegally re-inserted the XXXX XXXX XXXX as a new collection account to my credit file in the amount of {$1600.00}. Per FCRA requirements listed below, I am supposed to be notified within 5 days of re-inserting a previously deleted item and as of XX/XX/2018 I still haven't received the required notification. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA. 

This account was deleted off of my credit report years ago. And now it has been resold to another organization. This account needs to be removed off of my credit report. I sent a certified letter return receipt, I never received any response from the Credit Bureau. A screenshot is attached to this complaint.

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