vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: MA

Complaint narrative:
Tried to pay the remainder of the loan off to avoid being charged interest on a loan that had a 60 day same as cash and when I called on the XX/XX/XXXX they were closed in observation of XXXX. I called Monday and XX/XX/XXXX and they charged me the interest on the loan. I left them a message with there on call staff and even screen shotted the phone call. They refuse to honor there 60 day same as cash. I had a problem with fraud with this company as well, they do all the loans for XXXX XXXX and I cancelled my subscription with XXXX XXXX and XXXX XXXX  payed lending point back {$1400.00} back to them and I was left with $ 470+ balance for a service I never used. In the meantime over a spand of 6 months lending point held my credit hostage and called me to tell me that they are negatively reporting against my credit. After the {$1400.00} was returned to lending point they were forced to report correctly to the credit bureaus. I did receive a e-mail saying that they did correct the mistake. But dealing with there customer service I feel like this company is only out to rippe hardworking individuals off. All this took place in the holiday season and I have a XXXX XXXX baby. I am forced to pay the {$140.00} of interest that acurres more interest daily. Witch I don't understand because I paid the XX/XX/XXXX {$280.00}. So my next payment if I had to pay them would be XX/XX/XXXX. My payments were scheduled for the XXXX of every month. So I don't know. I am reporting them so you guys can hopefully notify them at least that they did me wrong and also keep future hardworking individuals from being ripped off.. thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: TX

Complaint narrative:
I recieved a copy of my credit report an saw these accounts, i tried disputing them with the companies themselves but i have not been successful.The following accounts i would like removed from my credit report : XXXX XXXX {$28000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX {$230.00} XXXX XXXX XXXX {$130.00}

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 2019-12-19 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: TX

Complaint narrative:
I recieved a copy of my credit report an saw these accounts, i tried disputing them with the companies themselves but i have not been successful.The following accounts i would like removed from my credit report : XXXX XXXX {$28000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I currently have an outstanding debt with American Express. I understand that I am behind on payments and their job is to collect this money. However, I received repeated phone calls, voicemails, and my grandma also received repeated calls. Again, no big deal, I understand this is their job. I wrote a check to American Express with a note stating to cease all phone calls, I want to only communicate in writing. The check was cashed, so I know the letter was read. The check was cashed on XXXX19. However, on this same date I received another phone call, after the check was cashed, after they received my letter. They did not cease phone calls until I again had to contact then and threaten suit for violating the FDPCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau : In XX/XX/2019, the Capital One credit card ( 10 years their customer ) reported to the 3 credit bureaus false information about my payment that according to Capital One was for {$3.00}. On XX/XX/XXXX and XX/XX/XXXX, the same report was placed by Capital One for {$170.00} twice. The same report was reported 2 times which gave me 2 negative remarks and All 3 bureaus have wrong data on my credit report, which shows missed payments for XXXX but on two accounts. I contacted XXXX XXXX by phone ; however, there was no manager or any other supervisor to speak. I have spoken to many other customer representatives who gave me totally wrong information about my payments, accounts, and could not answer any question. Also sent two letters without any answer from the Capital One claim department. All the wrong information lower drastically my credit score and ruined my credit for next many years. For a person to have a decent life, each individual must have a roof above the head, food, a car, and a job. But in order to have that the credit score has a huge impact on all things we can afford. As of now, my credit report was excellent for many years, please see attachment. 
I am asking for a positive result in this case. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: NV

Complaint narrative:
Well first of all let me say that i think that all credit agencies are wrong, XXXX and bias!! They allow companies that they know nothing about to things on your credit report and does not consult with the consumer regarding if its correct information or not!! And that is not right!! And then the consumer has to fight to get it all their credit report!! That is totally wrong!! But the credit bureaus do not care one bit!! And if you are non white they will do everything in their power to keep your credit score down!! Example : This company XXXX/XXXX  that i had an account with that was closed back in XXXX was able to just appear on my credit report as open after 15 years!! How is that possible?? What happens to statue of limitation?? These crooks was able to lie and say that my account had been open for 15 years and i made a payment on my account XX/XX/XXXX which is a TOTAL LIE!! They could not ever send me proof of the payment or any payments!! And this company don't have to send proof to the credit bureaus regarding payments?? They are allowed to just say i made a payment and the credit bureaus allow these crooks to put this on my credit file??? WHAT A BUNCH OF XXXX XXXX XXXX XXXX 

How wrong is that?? Then when i told this company to close this account that was closed back in XXXX these no good XXXX credit bureaus Equifax and XXXX  took my credit score down 17 points!!! And that XXXX XXXX Agency is the most XXXX wrong credit monitoring service in america!! Im sure it just a matter of time before they get sued and shut down!! Nothing but XXXX crooks!! And they did not even wait 30 days to do it like they usually do to update my credit report!! They took my credit score down the same day it was close!! And it should have never been open in the first place!! Again this company XXXX/XXXX  has no proof of any payment being made since XXXX!! Why are they allowed to put this on my credit report and the credit agencies don't asked for any proof of payment?? Where is the proof?? Why is this allowed??? 
This is so wrong and should be investigated!! Its sad how people can just screw your life up and nothing is being done about it!! WHY IS THIS ALLOWED BY THIS XXXX BIAS UNFAIR CREDIT AGENCIES? One thing that i know and that is that karma is real and all of these XXXX no good crooked credit agencies will pay dearly someday!! Its just wrong and shouldn't be allowed!! But nobody cares until it happens to them and it will!! So just remember that you reap what you so and GOD doesn't like ugly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting lates to my account that I do not owe. I was not notified and did not even know I was on the loan, my ex wife missed the payment and I never received any notification that there was a late payment or that I was on the loan. When I did find out I paid it immediately. I should not owe these lates, they were not my fault and I paid as soon as I was aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting lates to my account that I do not owe. I was not notified and did not even know I was on the loan, my ex wife missed the payment and I never received any notification that there was a late payment or that I was on the loan. When I did find out I paid it immediately. I should not owe these lates, they were not my fault and I paid as soon as I was aware.

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 2019-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting lates to my account that I do not owe. I was not notified and did not even know I was on the loan, my ex wife missed the payment and I never received any notification that there was a late payment or that I was on the loan. When I did find out I paid it immediately. I should not owe these lates, they were not my fault and I paid as soon as I was aware.

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 2019-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My social security number is XXXX. Since about 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$850.00} to {$1000.00}. I appreciate Capital One Credit accepting money from me over this time. However, I am concerned about damage to my credit. I am still collecting unemployment and now I am starting school next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a late that I should not have. I took payment into the store and paid in person, there was an error on there end and I should not have a late reporting. I have tried multiple times to get this removed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
Mr. Cooper Mortgage - acquired the loan from Seterus and XXXX XXXX acquired the loan from XXXX XXXX with that much account activity, you would think identifying a second mortgage would be part of their buying process. 
I am trying to sell a property base in XXXX pa, I recently ran a title search and it's showing XXXX XXXX XXXX XXXX as a second mortgage. My home loan has been forwarded about 3 time to different mortgage lenders and it has been refinance several times. I put several calls into Mr Cooper Mortgage Co to see if they could provide me with a Letter of Satisfactory for this alleged second mortgage. As I went in all direction told to me no one can provide me with a Letter of Satisfactory or a Corrective Action Lien Release. I spoke with several of Mr. Cooper call center representative and all was knowledgeable however, i been going in circle since XX/XX/XXXX or maybe early and all I received from there Research team and there Lein team was a email stating.>>> " Please be advised Mr. Cooper is not able to provide a Release of Lien for a loan that was paid off to another servicer. If a loan was paid off to XXXX XXXX, XXXX XXXX will need to issue a Release of Lien on the paid off loan. 
My issue is that Mr Cooper was the last one who touch the loan and his company should of taken time to do a research and inquire about the status of my account before it transferred. The company should of required all updated information from when I bought the property in XXXX or XXXX. How can this be a transfer of any sort if they don't have the whole account documentation on file. 
Mr Cooper should be responsible for providing me with a Letter of Satisfactory or do the inquire for a Corrective Action Lien Release.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: FL

Complaint narrative:
I have asked all 3 credit bureaus to remove incorrect addresses from my credit report and they have not done so as of yet. I am extremely concern by the fact that they refuse to remove those incorrect address as they may put my file in jeopardy of being subject to identity fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
These inquiries on my credit are not correct. Please block and delete these items.

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 2019-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a late that I should not have. I took payment into the store and paid in person, there was an error on there end and I should not have a late reporting. I have tried multiple times to get this removed with them.

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 2019-12-19 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a late that I should not have. I took payment into the store and paid in person, there was an error on there end and I should not have a late reporting. I have tried multiple times to get this removed with them.

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 2019-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Insight Management Partners, LLC
State: AZ

Complaint narrative:
On XX/XX/2019 at XXXX we received a call from INSIGHT MANAGEMENT ( XXXX ) about a person " XXXX XXXX XXXX ''. Upon connecting to the operator, we inquired about what company was called and the operator stopped speaking and would not acknowledge anymore requests. We called back and the operator that picked up was unable to find what number they had called or the person referenced above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
Dual Tracking I am writing this complaint in hopes the CFPB will investigate Ditech and their DUAL Tracking procedures. I have been trying to work with Ditech for a few years to get my mortgage back in order and situated with my my mortgage payments. Each time I submit it has always been denied for various reasons including title issues and missing documents. 
My issues now are more recent as of my last conversation with a Ditech on XX/XX/XXXX Loss Mitigation Manager XXXX Id Ext XXXX, she informed me that my file is in with Underwriting for Decision but yet the sale date is still active for XX/XX/XXXX. I pointed out that this is Dual Tracking and that by law they are not allowed to do this and requested for the sale date to be postponed allowing me time to be properly reviewed for mortgage assistance. The rep XXXX stated that unless loss mitigation approves the loan workout my home would be lost in foreclosure. Also, this is an FHA loan and FHA also has strict guidelines on Dual Tracking, again I feel Ditech is performing Negligence on my home and is in clear violation of Till, Respa and HARBOR laws. Please help stop this sale date on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. I also contacted the CREDITOR and they have no such records of am inquire made with the company. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX, XXXX-XXXX  XXXX  XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have asked all 3 credit bureaus to remove incorrect addresses from my credit report and they have not done so as of yet. I am extremely concern by the fact that they refuse to remove those incorrect address as they may put my file in jeopardy of being subject to identity fraud.

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 2019-12-19 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: FL

Complaint narrative:
I have asked all 3 credit bureaus to remove incorrect addresses from my credit report and they have not done so as of yet. I am extremely concern by the fact that they refuse to remove those incorrect address as they may put my file in jeopardy of being subject to identity fraud.

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 2019-12-19 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: AR

Complaint narrative:
These inquiries on my credit are not correct. Please block and delete these items.

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 2019-12-19 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: AR

Complaint narrative:
These inquiries on my credit are not correct. Please block and delete these items.

Company response to consumer: Closed with explanation