vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am in the process of repairing and cleaning up my credit. I requested validation/verification from Experian, XXXX & XXXX for collections accounts on my credit report. All I received was the generic verified or accurate Response with no supporting documentation that I requested for any of the accounts listed on my credit report. I then requested for the method of verification. How did they verify these are my accounts? All I wanted was proof as I described in my letters to them. Again, no contract with my signature or anything supporting that I owe any of these people money. These unverified accounts are still being reported and hindering my financial growth. From what i understand, this is against the law. That is, If they are reporting Negative erroneous items on my credit profile and have not provided me any supporting documentation as proof. Accounts they have failed to validate are as follows ; XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Without my consent, Capital One lowered the credit limit on a card I have had with them for over 15 years, from {$15000.00} to {$5000.00}. As available credit is a factor in credit scores, the lowered available credit amount will have negative impact. 

In this case, I estimated a negligible difference in credit score damage between the 66 % available credit decrease and not having the card at all, so I canceled the card ( thus also saving on the annual fee I have dutifully paid for the duration of holding the card ). 

I have the luxury of having excellent credit, and not needing this particular charge card. That does not make the practice remotely acceptable, however. Lower credit scores lead to higher interest rates, which clearly benefits the charge card companies. This practice should be outlawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: NJ

Complaint narrative:
I love my XXXXXXXX XXXX but they reportd me late when I was sick. I was on a deferment. I dont know why they reported me late I want the card updated to never late please. Dont close my card. I only want my late updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: NJ

Complaint narrative:
I love my XXXX  XXXX  but they reportd me late when I was sick. I was on a deferment. I dont know why they reported me late I want the card updated to never late please. Dont close my card. I only want my late updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: NJ

Complaint narrative:
I love my XXXX  XXXX but they reportd me late when I was sick. I was on a deferment. I dont know why they reported me late I want the card updated to never late please. Dont close my card. I only want my late updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
I received a debt collection letter by ARstrat for the amount of {$43.00} to collect from XXXX XXXX. I have never received any billing statement from XXXX and suddenly I got a letter to collect an amount that I dont even know about. 

I have called XXXX to asked about the amount owe and the lady didnt explain anything and said I will remove your account information from the debt collection. I asked about confirmation number to indicate that it has been removed but she only provide her name and the location she works. I've been dealing with XXXX XXXX billing department for the last two years on billing amount that I dont owe as it should have been paid by my healthcare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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:
The FCRA states that all information reported on a credit report must be % accurate and complete or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Date Opened : Credit Limit : Last Reported : Date Last Active : Date of Last Payment :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In 2018 i was a victom of identity theft and charges were made to a credit card that i did not approve. A report was made to citi bank. An invistagation was suppose to be made but was not and they sold the debt to XXXX XXXX. When i was contacted by XXXX XXXX debt collector i told them the debt did not belong to me, they have denied the settlement i offered and are currently being suing by their attorneys at law XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA holds my mortgage/escrow. I changed my homeowners insurance company, mailed BBVA my insurance refund check for escrow on XX/XX/XXXX {$1100.00}. New insurance was now going to be {$960.00}. I phoned on XX/XX/XXXX to get my new payment. She informed me it would go from {$1600.00} to {$1700.00} ( confirmation # XXXX ). My payment posted on XX/XX/XXXX but my mortgage said it was unapplied payment of {$1700.00}. On XX/XX/XXXX, they charged me {$55.00} late fee. On XX/XX/XXXX I called and asked why my payment didn't post, told it was short. I said I will pay the additional money to get it posted and she took my payment over the phone of {$98.00}. I found out the XXXX that money was given to escrow and not the payment so I am still short and delinquent. 
I have asked for 3 days to have a supervisor call because I believe the customer service representatives are in another country and not connecting with my mortgage. I have asked what I need to do to speak to supervisor to no avail. My last conversation she said she would ask to get the {$98.00} payment moved from escrow to mortgage. She was going to give me confirmation number and the phone disconnected after 7 minutes. I called back to find the business was indeed closed. I have over XXXX credit rating and do not want it ruined because of this business tactics. I have almost {$400000.00} equity in my home and would like to move to another bank if possible with my husband and I retired. 
Please call me and help. XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I went to Quicken Loans website to get mortgage rates for an investment property ( because they are reputable enough and I also have 2 outstanding mortgages with them ). Even though their website as deceptive practices to invite clients to get rates and they request a lot of personal information first, at then end they said they appreciate me and to finalize the request to call them. So I call them and MLO # XXXX - XXXX XXXX answered, he proceeded to first asked me all my personal information ( even tho they could use my profile as a customer or could use the information i had entered in their online questionnaire ) and after that he said the only way to give rates is to pull a credit - this was never disclosed anywhere in their website or by him before taking my info. I asked if Quicken Loans has a policy where they do not whatsoever provide any kind of rates unless a credit is pulled and he said yes. I then spoke to the Executive Officer and spoke to XXXX XXXX ( ext XXXX ) and explained how i felt Quicken Loans violated Fair Lending Act by making me feel they wanted to obtain my personal information : full name, address, phone number to then say now we need to pull your credit or else not. The information I provided to them by their request without disclosing further needed information, makes me believe they use some of my personal information to decline a simple general request on rates. XXXX said Quicken Loans does not provide ever any rates to anybody unless a credit report is pulled so they can provide specifically what a person qualifies for, I then proceeded to show him in his Website they do provide rates on there without asking anything or any information so that didn't match what he said about no rates to anybody. I also told him I just wanted to get general average rate information for an investment product for XXXX which specifics the loan product I was inquiring and he still denied to provide that information b/c Quicken Loans never does that. There is a lot violation under UDAAP and Fair Lending Act issues here Also, XXXX intended to stop the conversation by telling me he is not a loan officer and he is not authorized to disclose or provide loan information, he said this after all throughout the conversation he provided and disclosed loan information to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I wrote a letter to Bank of America dated on XX/XX/2019 and XXXX XXXX as a goodwill letter in reference to our mortgage account. We noticed in our credit report shows late/missing payments on the account. I sent a letter to Bank of America to let them know we have never been late on our mortgage payments. I asked them to correct the information on their end. However, I admitted on the letter that I will take responsibility for those so call late/missing payments-if they can remove it from the credit bureaus. Instead they wrote back indicating that their information is correct and to contact the credit bureaus to correct the issue. I feel this have been a mistake on their end and because of it we can not go forward in apply for a business loan due to Bank of America indicating we were late/missed payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: PA

Complaint narrative:
This is my second time doing this because you guys didn't believe It was me. I am submitting some documents with this to prove that this is me reaching out to you because these companies have violated the law and I humbly am seeking justice. XXXX and XXXX a whole month and some change apart. If you read my letters I specifically asked according to the way the US supreme court cases have been handled and these companies violated over and over again and so I am now reaching out to you guys for the hope of future achievement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: PA

Complaint narrative:
This is my second time doing this because you guys didn't believe It was me. I am submitting some documents with this to prove that this is me reaching out to you because these companies have violated the law and I humbly am seeking justice. XXXX and XXXX a whole month and some change apart. If you read my letters I specifically asked according to the way the US supreme court cases have been handled and these companies violated over and over again and so I am now reaching out to you guys for the hope of future achievement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: MO

Complaint narrative:
There is a {$450.00} delinquency for a XXXX account on my XXXX report as of XX/XX/XXXX. Current debt collector is Prince Parker & Associates. This is for service at my aunts house ( XXXX XXXX @ XXXX XXXX XXXX XXXX , XXXX, MO XXXX ). 

The years of service on this account are from XXXX. I DID live at the XXXX XXXX  address, but only till XXXX. After that I moved in with my girlfriend in her apartment, and then in XXXX we bought and moved into a house together, where we still live. Again, we moved into this house THREE years before the start of service on this account. My XXXX report confirms this timeline. 

I dont know how my name got put on the account. The email address on the account is not mine, and I can't access the account online, and never have. One possible explanation is my aunts daughter used to share a family mobile plan with me through XXXX XXXX XXXX, although I cant explain how that led to this. In fact, I have a current mobile plan with XXXX XXXX XXXX under a different login and email address. My aunt has acknowledged this is her account, not mine, and will pay the delinquent balance. I have asked her to wait until I can confirm this will be deleted from my credit report. 

XXXX XXXX XXXX has not been helpful. In fact, when I originally received a letter from the debt collector ( Prince Parker & Associates ) in XX/XX/XXXX I called XXXX XXXX XXXX to ask why I received it. They assured me not to worry, this account would not be collected in my name. Now I wonder if they were mistakenly looking at my mobile plan, or just trying to get me off the phone. I regret taking their word for it. They of course have no record of that phone call. 

Again, my aunt confirms this is her account. She will pay it, and accept any credit report consequence. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have been trying to contact Capio partner for almost 1 month. I left messages on several different occasions regarding two XXXX bills I did not occur. I attempted to dispute the charges on my credit but for some reason they assume XXXX XXXX is XXXX XXXX. I havent been to the hospital for anything in years. Isnt this a violation of the hippa law to basically dump medical information on to someone elses public credit report. I did contact my family attorney and will definitely be continuing to investigate this situation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
Hello, I have a loan with ECMC currently and I'm in Chapter XXXX until next month. 
I have attempted to find out what my options are regarding decrease/pause on interest accruals and have only been slapped down by ECMC with any attempts I have to try to reduce my burden after my bankruptcy is complete next month. 

While the rest of the nation enjoys no interest and no student loan payments I'm still throwing money away. I have paid in over XXXX during my bankruptcy but while ( exorbitant ) interest is still accruing no one is willing to assist me in helping me reduce my loan debt.

Obviously I have no issue trying to repay my loan but I'm also at the end of my rope with ECMC who cares little about my mental or financial well being. 

I've contemplated what I might do if I'm unable to resolve this and move on with my life and should anything happen to me it will certainly be because of ECMC and the ridiculous interest rate and unwillingness to assist me in reducing any of this. 

I'm going to reach out to my senators and state legislature members as well because I need help and I need to know help will be there when I come out of bankruptcy next month. 

Thank you, ECMC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Reduced my credit limit on my Capital One card which I have had for 15+ years from {$30000.00} to {$10000.00}. I have had no changes in credit scores or payment history. Talked to two different representatives and two different supervisors on XX/XX/20 and was told reduced because of only using a portion of my credit limit. I received said email on XX/XX/20 explaining the same. They also indicated there was no appeal process and there was nothing they could do to assist me other than document in my record the concerns I indicated to them on the phone. 

I requested they return my amount to {$30000.00}. I requested an appeal of this process. I indicated I was also concerned because I just turned XXXX and they seemed to be coincidentally using my age against me. Most importantly, this decision makes no financial sense to me what so ever. It also seems very unfair to not have a formal appeal process to resolve said issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This account was protected by an insurance that was paid with each monthly bill. The insurance was to cover the money owned in case of job loss or medical. I was diagnosed with XXXX and was ubable to work. I contacted orignal creditor to use the insurance to cover this charge card. I have asked this debt collector for bills showing debt and amount and have yet to receive, On monthly statements it will show that money was paid each month for insurance protection. I sent letters requesting documentation twice, once on XX/XX/2020 and again on XX/XX/2020. Creditor has yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation