vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase Bank # XXXX is paid off and is still reporting a balance on my credit. This was charged off but I have already paid everything and it should no longer be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
Did not get correct exit information with loans. Had no idea that my loans had to be under a certain repayment plan for them to qualify for PLSF. This is a way for a large company to make money off of young students. So I have been paying on my loans since XX/XX/2004 and there is no relief for a middle class hard-worker. When talking to other people the same has happened to them. When talking to my lawyer she said this a a type of criminal act. We are looking into other options, but I think being fair to everyone is the way to go. I just think they are taking advantage of people and hold nothing back.,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting a collection on my credit that I do not owe. I have no idea what this debt is for. XXXX XXXX did not send me any notifications. I have not received any letters in the mail or any phone calls regarding this debt. XXXX XXXX is in violation of my 30 day right to dispute as this has been added to my credit file. This debt needs to be removed.

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 2019-09-11 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: UT

Complaint narrative:
XXXX XXXX # XXXX is paid off and is still reporting a balance on my credit. This was charged off but I have already paid everything and it should no longer be on my credit.

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 2019-09-11 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: UT

Complaint narrative:
XXXX XXXX # XXXX is paid off and is still reporting a balance on my credit. This was charged off but I have already paid everything and it should no longer be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: UT

Complaint narrative:
XXXX XXXX # XXXX is paid off and is still reporting a balance on my credit. This was charged off but I have already paid everything and it should no longer be on my credit.

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 2019-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting a collection on my credit that I do not owe. I have no idea what this debt is for. XXXX XXXX did not send me any notifications. I have not received any letters in the mail or any phone calls regarding this debt. XXXX XXXX is in violation of my 30 day right to dispute as this has been added to my credit file. This debt needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have asked for verification that this debt is mine and have had no resolve. I am unfamiliar with this account and it has been holding me back in my financial life. the account is listed with the credit bureaus with different opened dates from XX/XX/2016 to XX/XX/2016. The balance listed is {$570.00}. This is inaccurate information and I demand it be removed from my consumer credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital one Bank accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but have been paid and it should no longer be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
PENFED Mortgage is not capable of servicing my mortgage. They have " lost '' my payment 3-4 times in the past year. In XX/XX/2019, they returned my mortgage payment and I had to re-pay the mortgage in order not to be late. They are blaming it on " system issues ''. Even though they said that everything was OK, the XXXX Mortgage statement shows that I did not pay the XXXX payment. It is very stressful and its becoming unfair and abusive on their part. I am sure other consumers have to go through this and they are not fixing this problem. Please supervise this Credit Union and make sure that they are complying with CFPB 's servicing 's rule and not violating the UDAAP rule. As of today, they still haven't returned my phone call regarding my " past due '' account which is not past due since I pay my mortgage on time.

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 2019-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I writing you to lodge a formal complaint against LVNV Funding LLC. This debt collector placed marks on all three of my credit reports ( XXXX, XXXX, and XXXX ) without proper notification, as I received no dunning notification per required by the FDCPA legislation. Credit reporting is considered collection activity. When I attempted to send debt validation to the address they provided, the notification was sent back to me return to sender, as the address was inaccurately listed on my credit report. This company has an F with the XXXX XXXX XXXX, and has effectively destroyed my chances of getting a mortgage, as they have also incorrectly listed these accounts on all three credit reports instead of a collection account. Additionally, they have listed this item as a Factoring Lender, when per FCRA collection companies are not. I am requesting your office look into these allegations and help me procure a deletion from all three credit reporting agencies until this company can successfully validate my debt as they are mandated by law to do. I am considering legal action against LVNV, however, I felt compelled to urge your office to help me in my crusade to remove LVNV Funding and reestablish my name and credit. I am not sure if this debt is mine or not, however, their inability to provide correct addresses, and their intentional act of misleading their reporting should be enough to sue them, and should be enough for your office to force their compliance in this issue. I hope you can help me out in this matter, as I am going through the mortgage closing process and this one account has completely derailed my home purchase. Thank you very much for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
Lost job was unable to pay these bills so now they are on my credit report stopping me for moving forward XX/XX/XXXX THE CBE GROUP INC XXXX XXXX Ohio XXXX original collector XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX original collectors ) XX/XX/XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX original collectors ) XX/XX/XXXX tried too dispute them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: UT

Complaint narrative:
XXXX XXXX XXXX accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but have been paid and it should no longer be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: UT

Complaint narrative:
XXXX XXXX XXXX accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but have been paid and it should no longer be on my credit.

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 2019-09-11 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: UT

Complaint narrative:
XXXX XXXX XXXX accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but have been paid and it should no longer be on my credit.

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 2019-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
This company Atlas Credit from XXXX, Tx has been harrassing me at my job. I can get fired.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX LA XXXX I need properly update ADDRESSES to reflect my accurate information. 
Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! 

XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX LA XXXX I need properly update ADDRESSES to reflect my accurate information. 
Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! 

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 non-monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied online for a PayPal credit card issued by Synchrony Bank under arrangement with PayPal. A reference number was provided and the bank sent me a special e-mail address to contact them in writing, because I am unable to do so via telephone ( XXXX ). I replied three times and instead of help or support in writing, I received automated " please call us '' e-mails, after telling them three times that I only communicate in writing. Completely disorganized and incompetent institution, rejected a potential customer due to lack of procedure.

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 2019-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Butte County Credit Bureau
State: CA

Complaint narrative:
Was informed of a judgement on my credit report for a debt that was return of on a car which was found defective within 3 weeks of purchase from a auto dealer named XXXX XXXX -the engine froze on a XXXX XXXX XXXX in XXXX. In XXXX on XX/XX/XXXX Butte County Collections Bureau a collections agency bought the paper from XXXX XXXX which went out of business. They have never contacted me, XX/XX/XXXX I was informed by FINRA -Financial Industry Regulatory Authority , that they have continued to file judgments against me in XXXX and XXXX without notice or contact about court dates. I have spoken to them only to receive documentation of the judgement. This communication took place on XX/XX/XXXX. When I inquired in to the statutes of limitations in the State of California I was informed that it is 4 years. The case number is # XXXX XXXX filed in Butte County Superior Courthouse. This collection company continues to file every 10 years, and never contacts or informs you of the court dates to dispute the judgement. 
You may contact me on my cell # XXXX XXXX, or work number XXXX XXXX and/or email of XXXX or XXXX Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I've contacted the company who placed the collection on my credit report twice already with no response or acknowledgement from them. This account was sold to this company after disputing with the last company that they were illegally reporting the wrong date as well on my credit report so they decided to sell it to diversified consultants now and they as well are continuing to report the incorrect delinquency date and these company continue to keep selling this account illegally restarting the delinquency dates. I ask that the CFPB have these collections removed from my account permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: MT

Complaint narrative:
repeated phone calls to my cell phone daily from Sequim Assets in an attempt to collect a debt for XXXX XXXX XXXX. I have advised multiple time not to call during my work hours as I am not able to answer personal calls during this time. I have also advised that I have had some urgent unexpected medical expenses come up and can no longer afford to make payments but will send payments to them as able. Daily calls from numerous numbers keep coming to my cell phone. Even if I have answered and spoken to someone that day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
i own a condo in a community and the lender wants proof of hazard insurance every year and I provide this. 

This year I sent proof ( 5 times ) on : XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I've called Shell Point after each email and they have insured me that the proof was received and I requested proof by mail, which I never receive. 

I've worked with XXXX ' and sent the proof directly to her email adddress and she confirmed no issue, making that 5 emails. 

However, I continue to receive assessment emails and the last email on XX/XX/XXXX stated that they were adding this charge to my impound account. 

This exact scenario happened 3 years ago and the tried to put a lean on my home. Luckily, I save all my statements and the charges were not on my statements, so they could not charge me, I only know this because I worked for XXXX. 

this is a scam and shellpoint is cheating consumers 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 2019-09-11 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: eCon Credit LP
State: FL

Complaint narrative:
Nationwide Acceptace, dba XXXX XXXX, is reporting that my payment is 30-59 days past due and I owe {$66.00} but the balance was paid in full on XX/XX/19.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I filed a dispute with Navy Federal Credit Union around XX/XX/2018 in regards of a car that was paid for by GAP insurance. The loan amount shows paid in full but shows up as a charge off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
Nationstar Mortgage # XXXX is reporting a foreclosure I no longer owe. This is past the statute in WA and I do not legally owe the debt anymore and this account should be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX are incorrectly reporting recent late payments on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I never received the paper statement. I have excellent payment history on this account and when I realized this statement never arrived, I immediately contacted a representative with XXXX XXXX and made the payment. The representative I spoke with assured me that I would not be zapped with a late payment. Upon review of my most recent credit report, I see the late payment was applied. This incorrect reporting of a late payment is harming my credit score and needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: CO

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting recent late payments on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I never received the paper statement. I have excellent payment history on this account and when I realized this statement never arrived, I immediately contacted a representative with XXXX XXXX and made the payment. The representative I spoke with assured me that I would not be zapped with a late payment. Upon review of my most recent credit report, I see the late payment was applied. This incorrect reporting of a late payment is harming my credit score and needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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