vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
Hello, I am been charge for 2 co payments from XXXX XXXX total {$50.00}, I disputed with them last year because I paid 1 already in the office but looks like they send the case to a collection company Eastern Account System of Connecticut but I did not received a notification in writing or a call from them, they said they did but I did not get messages or letter because I moved from XXXX to XXXX and the amount was disputed but arbitrary they place this account in my credit report without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
Phoenix financial is on my credit report. I disputed it on XXXX XXXX to verify accuracy because I have no knowledge of this account. It was completed XX/XX/19. I still dont know who the original creditor was and why I owe them money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
My county taxes were due by XX/XX/XXXX. My mortgage servicer, LoanCare, took money out of my escrow account to pay my county taxes of {$2100.00} on XX/XX/XXXX. XXXX XXXX County ( Virginia ) never received payment for my tax bill. I was then assessed the following fees/interest : Late Payment Penalty : {$200.00} Interest : {$19.00} This resulted in a new tax bill of {$2300.00}. 
I was on vacation from XXXX, so my first attempt to rectify the situation was XX/XX/XXXX, when I received a delinquency notice from my county. I called LoanCare on XX/XX/XXXX. I called my county on XX/XX/XXXX, and then responded back to LoanCare the same day. As of XX/XX/XXXX, I have contacted XXXX the following dates and still seen no attempt at replacing the money in my escrow account, attempting re-payment, or reimbursing me for the money withdrawn from my escrow account that never made it to my county : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2019-08-30 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: CA

Complaint narrative:
I have credit monitoring service and was told of a unpaid debt that was being collected by XXXXredit Collection Service for XXXX ( XXXX ). I spent the entire day being shuffled from dept to department and was able to show that the debt was some kind of fraud. The account was setup in a city for cable service that is 300 miles from me. I have never lived in that city nor have I ever had a XXXX ( XXXX ) account. They agreed but told me it was my job to get it removed. I asked them to send me the proof that I had created this account. I asked to have it emailed or mailed and they said they could not create a PDF of the info they have. I did download a 7 page document about disputing the claim. This action adversely effected my credit score lowering it 14 points.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I applied for a mortgage with Navy Federal Credit Union on Monday, XX/XX/XXXX via the webpage. I also called them to ensure all the information was received. It was confirmed, and I was told that I would receive a call back in the next day. I called again Tuesday evening around XXXX asking for a status and needing the early disclosures for shopping and picking the best mortgage. I was told it still was not assigned. I reminded the member services representative that those had to be supplied within 3 days of application. She stated that was not the case and it normally took at least 3 days for the loan to even be assigned to a loan officer. On Wednesday, XX/XX/XXXX, I received an approval for another mortgage lender and just decided to proceed with them since I still have not heard from Navy Federal. I called them back the night of the XXXX and just explained that I was not going to proceed and my frustration with the entire process. Today, Friday, XX/XX/XXXX, I received a call from the loan officer wanted to confirm that I wanted the application withdrawn and explained that he still needed to send me the early disclosures. I explained my entire situation and told him that the disclosures should have already been issued based on my date of application. He explained they had 7 days to do this. This, of course, was news to me and I have researched this issue and all my research reveals they should have already been issued. Personally, I will no longer do business with Navy Federal Credit Union. As a member-owned cooperative, I expect more from them. I, however, do want to bring this to the knowledge of management as this is not fair to their members or other consumers. The entire purpose of the early disclosures is to allow consumers to shop and compare. In this case, I did not have that option with Navy Federal. I also explained to the loan officer that I was going to file this complaint as it is important for their success. Based on their webpage and how they advertise their mortgage process, it is extremely misleading for consumers to think they are going to get a speedy response and even required disclosures. The loan officer did explain they were having a lot of issues with this newly installed system. While I understand this, an organization the size of Navy Federal should be positioned not to allow violations such as this. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have a collection account listed on my credit report by a debt collection agency, LVNV Funding LLC, collecting on behalf of XXXX XXXX. LVNV Funding LLC is the current creditor, but XXXX XXXX XXXX XXXX, XXXX has been sending me letters offering to settle the account. LVNV Funding LLC nor XXXX XXXX XXXX XXXX is licensed to collect in the state of Mississippi and therefore I am disputing this collection account. 
The collection account was last reported on my credit report on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: Law Offices of Marvin S. C. Dang, LLC
State: HI

Complaint narrative:
I have sent a letter to XXXX XXXX who is the attorney for XXXX XXXX in an effort to completely payoff a loan and they will not respond to me. THIS IS NOT A DUPLICATE COMPLAINT. 

Also, the amount is STILL incorrect that is being reported to the credit bureaus. The amount is, by their own admission in the documentation on this website, lower than the reported amount. 

I need two things done. An accurate amount of balance due and owing a response from XXXX XXXX ATTORNEY. Letter sent to them was " return receipt requested '' and it was uploaded to this website as well so I know that they have it. 

Both the attorneys and the company keep ignoring me saying this is a duplicate when they fail to see that this is a NEW COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: CCS Financial Services, Inc.
State: MA

Complaint narrative:
On XX/XX/2019 I applied for a loan. Once they have pulled my credit report they stated that there is a collection account from XXXX in the amount of {$630.00}. Which does not make any sense since I currently have XXXX. Contacted XXXX that day and they stated it is for an address that I do not live at. I submitted a dispute with them and I have also disputed this account with the credit bureaus. They did their investigation and because the account was then sold to a debt collection agency they have reported the account as accurate which is inaccurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) 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 non-monetary relief
Consumer complaint received 2019-08-30 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: AES/PHEAA
State: NC

Complaint narrative:
I am having trouble with Fedloan Servicing and its reporting of fair, accurate and complete information per guildlines of FACTA/FCRRA to the credit reporting agencies XXXX, XXXX  and XXXX, regarding the six ( 6 ) student loan accounts. I have submitted multiple disputes with the said credit reporting agencies, only for the information in question to return back verified, from the agencies. In the attachments you can see that they are reporting multiple late payments in excess 120 days in addition to comments designed to further hurt my credit score. Furthermore, Fedloan Servicing has also taken steps designed to further damage my credit by submitting that there is a Freeze, on my credit file. It is in my strongest opinion that I believe Fedloan Servicing to be in multiple violations of FACTA/FCRA. I am submitting proof that my account at that time, beginning XX/XX/2016, was in forbearance/deferment which would show that the negative reporting in fact are incorrect. Once forbearance/deferment is granted, it is good for twelve ( 12 ) months. At the end of the twelve ( 12 ) month period if one chooses to remain in the program, an addition application is to be submitted. In addition, as evident in my attached credit reports, Fedloan Servicing is failing in its reporting of complete information, as there is a number of months of unavailable account information, being reported. The failure of the company to report fair, accurate and complete information per the FCRA has severely impacted my ability to build relationships and obtain credit from other lenders/financial institutions. I have tried on mulitple occasions to have the XXXX, XXXX  and XXXX remedy these errors

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: AMCOL Systems, Inc.
State: FL

Complaint narrative:
Amcol Systems, Inc ( XXXX XXXX ) XXXX XXXX  XXXX XXXX, SC XXXX Account # listed on demand letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX ID # XXXX After taking a look at my excellent credit score, I noticed on my XXXX account on XX/XX/XXXX, that your company posted a collection on my account without first notifying me of an alleged debt. I have reason to believe I do not owe this debt The Fair debt Collection Practices Act ( FDCPA ) .. has certain rules in place to avoid fraudulent collections, and you did not follow their policies. You are to notify the alleged debtor of such debt to confirm is a legit debt, and the person you are harassing is the correct person and not someone else. I was never given that opportunity to view your alleged collection, and should have been allowed to respond to your demand letter within 30 days after receiving such notice I have to notify you that you are in violation of the Fair debt Collection Practices Act ( FDCPA ) .. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in the state of Florida 5 Itemized breakdown of money owed and why If you continue  attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Any and all future demands I request to be mailed certified and with a tracking number to avoid any confusion Sincerely, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) 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 2019-08-30 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
In XXXX, I started receiving mail and phone calls from LVNV Funding about a debt from XXXX XXXX for {$1000.00}. I disputed this information several times in writing telling them I dont owe this debt and to send me verification or delete this information off my credit report. LVNV keep sending me a bill as valid reason for them to report this fraudulent information on my credit report. In XXXX I starting receiving more calls and mail about this debt, this time it was Resurgent Capital Services, telling me I need to pay them because it was in pre legal status and I am getting sued. They called several times a day, interrupting me while I was at work. I disputed with them as well but received mail correspondence from LVNV with yet another bill as verification. In XX/XX/XXXX, I started to receive mail and calls from now XXXX XXXX XXXX about this same debt. I have been getting harnessed by LVNV and its related companies for months about a debt that isnt mine. LVNV couldnt provide me with a contract with a signature like I requested so I am being attacked by 3 different companies about the same debt that is hurting my credit file and coasting me additional money. On XX/XX/XXXX, I decide to call Resurgent and resolve this debt because of the damage it is doing to my credit. I explained to the representative that this wasnt my debt however I wish to resolve it. I asked about a settlement and they offered 20 %, I said that was too much. The representative pulled my credit without my permission and told me I could afford it and quoted every credit card as well as my children names off my credit report. She told me my credit lines and who I was an authorized user on what card and everything. I dont feel its fair that LVNV Funding is allowed to report fraudulent unverified information on my credit file. I dont feel that LVNV Funding should be allowed to harass me through all of their different companies for the same debt. I dont feel as the representative had a right to access my credit file without my permission and tell me that I can afford to pay a debt that I told her I wasnt capable of paying in full. I was treated very badly and I feel my privacy has been invaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: MD

Complaint narrative:
Thank you. 

Experian just sent me an update about my FICO score and told me my FICO score decreased. No explanation why. The dashboard indicates 4 late payments, but no information about what. I have not been late with anything in YEARS. So right now, XXXX XXXX reports my fico as of XX/XX/19 is XXXX. Experian has me today at XXXX. There is no explanation and no reason I can figure out for the decrease. I pay everything on time. I have done nothing in the past three months but decrease my debt. Nothing is outstanding. Everything I've done should be increasing my score. I try to call them and it is impossible to get in contact with anyone. I need answers as to why my score decreased and what I need to do to improve it. I think they're trying to push me to add my utility bills to my credit score, and falsely creating a decrease to force me to do something.

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 2019-08-30 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: FL

Complaint narrative:
I am filing a complaint against Experian credit agency. I am a victim of identity theft and sent them my identity theft affidavit and police report. Included in the list of fraudulent accounts was a credit card from XXXX. I disputed this information with Experian, had XXXX XXXX XXXX mail them a letter and it still remains on my credit report. As an XXXX Veteran, it is making it hard for me to gain the lowest rate with my VA loan. This issue has been ongoing since XX/XX/2019.

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 2019-08-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian XXXX XXXX , XXXX, neglected to show my Auto Loan History. I need to buy a Car.

Experian removed all my previous 3 Auto Loan Payoffs causing negative responses from Lenders.

Several Dealerships say that Experian removed my payment history. The report indicated I dont have Auto Loan History and falsely classified me as a First Time Buyer.

Good Auto Loan Payoffs should be Required By Law to remain on my Payment History so this information can be used to buy a car.

I am requesting that my Auto Payoffs be reflected on my Report.

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 2019-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Southeast Finance Inc.
State: AZ

Complaint narrative:
Incomplete credit report. Loan company says I have credit freeze on report and XXXX  says i dont

Company response to consumer: Untimely response
Consumer complaint received 2019-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
None of the above options fit. For over a year I have been asking one main financial to remove me from their mailing list. I have called the local office. I have called the corporate office. I have filed a written request. I have messaged on XXXX and XXXX. I have tried return to sender. I joined opt out two years ago. They just keep sending me loan offers and wont stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: AZ

Complaint narrative:
SECURITYCRED {$520.00} on credit report since XXXX. 

I disputed this in XX/XX/XXXX requesting accuracy and the name of the Creditor but all they did was say it was an accurate debt. 

I am not sure who this creditor is or why theyre on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC
State: AZ

Complaint narrative:
XXXX {$520.00} on credit report since XXXX. 

I disputed this in XX/XX/XXXX requesting accuracy and the name of the Creditor but all they did was say it was an accurate debt. 

I am not sure who this creditor is or why theyre on my credit report.

Company response to consumer: Closed with explanation