vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 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: GA

Complaint narrative:
I have disputed the late payment on this XXXX  XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was  received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
For approximately the past two months I have been harassed by First National Bank. They leave messages for a person other than me to contact them. I am not that person, and I have had this phone number for the past 15 years at least so most likely that person never had my number. I answered the harassing call once and advised the person on the other end of the above but the harassing phone calls have continued. Most days they call twice per day, sometimes 3 times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
My husband and I have a loan with Toyota Financial Services. My husband filed bankruptcy, the loan on the vehicle was included in his chapter XXXX. I did not file and per consultation with his attorney, I am protected as well as my credit invoked under the provisions of 11 USC 1301 ( Co-Debtor Stay protection ). The issue is, Toyota has reported two missed payments and the remarks show late in the notes on all three credit reporting agencies. Per his attorney, he called into the bankruptcy department at Toyota and was not able to resolve the matter. The resolution is still pending. This situation has dropped my score over 100 points and now caused my XXXX account to lower my credit limit further hurting my score. Since this matter is not getting the attention needed, I need the CFPB to step in. I'm also in deep conversations with a prosecutor who specializes in these type of co-debtor situations to pursue further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
MCM- company you sued is non compliant in the court proceedings. Last XXXX MC was contacted via XXXX third party to rectify my credit- and they decided to harass me about it. When I set them straight and a another DV letter- legal balked and tried to place dodgeball with me- knowning they got sued from you potentially months earlier. They have not removed the bad debt, they continue to post it as resold from XXXX- which also violates people in the same mannerisms as MCM. MCM will not remove the credit slander which has been disputed from day one from both companies as soon as collections began. The debt is not accurate and was bought for pennies on the dollar ( ~XXXX ) in this case. Yet I am extorted ea mo for over 1200 USD. THIS MUST END. XXXX lures consumers into a net and when it backfires, as is the case in bad housing areas- consumers take the fall for it for years- even after fixing eviction problems with paid off ( look the other way ) courts. I have been denied a home 2x and credit multiple times because of this. I demand immeadiate compliance or these company be held in contempt of court. ( US v XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: TN

Complaint narrative:
I am a victim of identity theft. The accounts, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX which appearon my credit report, does not relate to any transactions that I have made. It is the result of identity theft

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 2018-10-18 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: TN

Complaint narrative:
I am a victim of identity theft. The accounts XXXX XXXX XXXX and XXXX CARD which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: GA

Complaint narrative:
I have disputed the late payment on this XXXX XXXXXXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-18 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: GA

Complaint narrative:
I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX  and XXXX  have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
I reviewed my credit report and noticed 3 collection accounts from Security Credit Service being reported. I disputed the accounts with the credit bureau, it came back verified. I then contacted Security Credit Service via mail requesting for validation of the debt along with a signed contract showing my signature. I never received a response nor did they ever notify my of these debts. I received no phone call, no letter, nothing from this collection agency. I am very frustrated trying to get answers from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: FL

Complaint narrative:
On Monday XX/XX/2018 I received a letter from ProCollect Inc. After reviewing the content of the letter, my wife & I decided to give them a call. During the conversation the agent mentioned that we can immediately pay by Debit Card, because the payment deadline is XX/XX/2018?. She explained that the original creditor sold the debt to ProCollect without contacting me first!. 
On Wednesday my daughter who was the tenant decided to stop at the creditor ( District of XXXX, XXXX, Florida ) office for clarification of the charges. The answer she received was, that we need to contact ProCollect because they already sold the dept to 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 2018-10-18 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: GA

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: GA

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Greater Collection Agency Bureau, LLC
State: IL

Complaint narrative:
The third party collection agency name GCAB collections left threatening voicemails to myself and my family members about an old debt saying if I don't contact them they will come to my home and arrest me. How rude and to top it off this debt went to bankruptcy and they also have the wrong year I took the loan out. They should of called the place that I took the loan from first and confirmed the date I took it before calling and leaving nasty messages that were unnecessary. This is a Third party collection and had no legal right to call my family members. 

P.S. Loan was taken XX/XX/XXXX NOT XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had contacted XXXX XXXX XXXX, advised I would be paying off the balance on the card in about 7 days, note the account is 1 payment past due. I also asked for a cease and desist on the account as the number of calls I have been receiving daily is insanity. I have blocked numbers and then they will call from another number. Despite the representative advising that she added the C & D on the account, I have still received 5 phone calls, within 20 hours of advising of C & D.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: IN

Complaint narrative:
My XXXX Visa credit card was charged without my authorization by a merchant described as XXXX twice in XX/XX/2018. One charge was for {$99.00} and the other was for {$19.00}. I contacted the merchant, XXXX, and was told that it has a policy that it does not refund any charges. Therefore, I contacted my credit card issuer, XXXX XXXX, and disputed the charges as fraudulent in late XX/XX/2018. XXXX issued a replacement Visa card and suspended ( made those two charges not due on next statement ) the charges. XXXX contacted my by phone about my dispute, and I reiterated that I did not authorize the two disputed charges from XXXX in XX/XX/2018. XXXX then sent me a letter in XX/XX/2018 stating it had reviewed my dispute and found I received benefits. XXXX would therefore apply the charges to my next statement. I responded to XXXX on XX/XX/XXXX and XX/XX/XXXX using XXXX 's secure messaging to reference my disputes and subsequent letter stating XXXX would be applying the charges to my next statement. In these messages, I communicated that the disputed charges were fraudulent, and I did not receive any benefits. XXXX responded promptly ( most likely with an automatically generated response ) stating that, after my dispute was investigated, I would receive a letter regarding resolution. Since I've already received that letter from XXXX XXXX, and the resolution is unsatisfactory to me, I am escalating my dispute to CFPB. The disputed charges from XX/XX/2018 are now showing on my XX/XX/2018 credit card statement. I appreciate your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: GA

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX  and TransUnion have reversed them but XXXX  is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have student loans through Navient from when I attended and graduated from XXXX University. My mother was my co-signer. In XX/XX/XXXX, my mother sadly passed away. My loans are in good standing and I have always paid on time. Navient is trying to take the full amount paid on the loans approximately {$27000.00} from my mothers Estate. I have made every attempt to continue to pay my loans. I am a survivor of XXXX  XXXX and a single mom of XXXX young boys. I recently fled my home in XXXX XXXX to come to hide in NJ from my abusive husband on XX/XX/2018. I can not afford to give them all of my mothers estate as I need it to live. I will continue to pay my loans as promised and on time. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
I owed XXXX a past due bill in the amount of approximately {$150.00}. I paid this bill a number of years ago. In XX/XX/XXXX or XX/XX/2016 I applied to have XXXX XXXX service to my home. I was informed by XXXX that in order to get the service I had to pay the outstanding bill of approximately {$150.00}. Despite having paid it before, I paid it again because my fiance really wanted the service ( happy wife, happy life ). Apparently XXXX has turned this PAID debt over to at least ( 2 ) different collection agencies that refuse to remove it from my credit report. Additionally, I've call XXXX numerous times only to be put on hold for ( 30 ) minutes each time. Once I get through, I'm transferred to the collections department where the call ALWAYS gets dropped. I've enclosed my current bill with XXXX and information on ( 2 ) collection agencies.Thanks for your attention to this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
We had a home built by XXXX XXXX XXXX in XXXX, NJ.in XXXX. The materials used during the process are off gassing a toxic gas called formaldehyde. Specifically the floor joists manufactured by XXXX. They are called XXXX joists. XXXX XXXX  was made aware of the problem and also made aware that with these products are in the home, the home resale value is much lower now because of the mere fact that these are in the home. The joists have been sprayed with a grey paint by a contractor hired by XXXX which was applied very poorly. It did not meet the standards that they set for the application of the paint. They came out a second time to repaint the joists. After a recent home inspection to check the air quality and what the white substance was growing on the joists, we noticed an electronic devise operating within the problem area. After research we found that the device is designed to eliminate formaldehyde  within a room of 2000 square feet. This devise was installed for no other purpose than to skew the air quality results. Even though that devise was present, the air quality still tested high. 
The tax accessor has devalued the property because of the problem, and the township has not given a certificate of occupancy because of the problem. The home is obviously worth much less than the loan amount. Anyone that is aware of the problem agrees that the home is devalued. 
XXXX XXXX  does not see it that way and have been trying to force me to close on the construction loan a transfer to a conventional loan. I have been making the payments per the loan agreement but in XX/XX/XXXX they stopped accepting my checks and actually refunded one of the recent payments. Then they sent me to collections which affected my credit score dramatically. I really need someone to have them to do what is right. 
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 2018-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
The complaint is against FBC Mortage, LLC XXXX XXXX from the start it was impossible to get a hold of XXXX or get replies back form vm and emails. First it was misleading we were told that our payments would be XXXX or lower a month. Are initial loan document had all the wrong numbers and when I pointed it out he told me not to worry about it. The application was just to get started. I sent them all the docs they requested that same day requested. They never confirmed received and they they lose some of them I had to resend them. Throughout the process I kept asking if they had everything no reply and days later they would reply and say yes. Well 3 months before closing I asked are we all set they go oh no we need some more docs, its like when did you plan on calling me. Two weeks before closing which was set to be XX/XX/2018 I kept asking when do we lock interest rate when do we get the final loan documents so I can review and make sure everything is correct. XXXX XXXX kept making excuses and putting me off. Three days before closing he finally locked interest ( and not because I was late on getting docs back he delayed I have no reason why ) and emailed us the docs rushing us that we needed to sign that night he emailed it to us around XXXX XXXX. 
When I saw the interest rate I asked why is it higher over 1. percent he goes to me it went up this week. So what you are telling me because you waited so long on locking the rate we now have to pay more mortgage payment. When I was asking for the documents the week before closing XX/XX/2018 it was at 4.85 and he locked it in the next week at I believe over 5. Because of this we could no longer afford the payment they wanted over {$1800.00} a month and we kept telling them we can't afford more then {$1600.00} they kept telling us and misleading us telling us they would be low. We could not go into a new home deal knowing we would loose the house and had to walk away. Because of that we lost the {$3000.00} deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: CA

Complaint narrative:
I am a victim of identity theft. The bankruptcy Bankruptcy : Discharged CH-XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation