vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-10 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: TN

Complaint narrative:
I have disputed the following Collection Account with TransUnion & XXXX - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance - XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.

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 2018-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The reason for my writing today, is that Capital One is being unreasonable, I have noticed that they are reporting a late payment around XX/XX/XXXX of my cap one/XXXX account. I opened this account on XX/XX/XXXX and have had an outstanding reputation in as far as paying my credit obligation is concerned. capital one representative told me they make goodwill adjustments for medical issues but when I called the executive resolutions they flatly refused I've always paid above the minimum on all my Capital One accounts including my credit cards. Sometimes even 3x more than the minimum which I did many times before the stated late payment occurred. Were it not for the, hospitalization issue I had during the XX/XX/XXXX billing cycle, I would have cleared my {$25.00} fees that was due as I usually did, and maintained my 100 % record. capital one representative told me they make goodwill adjustments for medical issues but when I called the executive resolutions they flatly refused I request the late payment be removed from my payment history as it is adversely affecting my well- being as a US citizen. Please, remove the late payment history of this Retail credit card account. : CAPITAL ONE / XXXX Account Number : XXXX So please resolve this thing permanently and get back to me once you have, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I am having a few issues with Navient regarding my student loans. 

1. I keep track of my payments and every time I go back in to pay extra amounts towards my loan the loan balance has gone up.

2. They will not allow me to pay all extra payments towards my principal balance.

3. After paying off a few loans in full, they dropped my payment amount without any notification they were doing so. I've called several times to ask them to keep it at the original payment amount and they continue to not change it automatically.

I also want to know if I was affected by the Navient lawsuit where payments were being mishandled and incorrect steps were taken to help borrows get out of debt faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: TN

Complaint narrative:
I have disputed the following Collection Account with XXXX & XXXX - I am in the process of disputing with Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all  collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.

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 2018-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
Phoenix Financial Services has an old debt that was incurred back in XXXX. I was XXXX years old at  the time and had my XXXX XXXX XXXX at XXXX XXXX Hospital in XXXX XXXX KY. I was under my parents ' medical insurance at the time. We believe the bill was paid by my parent 's insurance. I have sent 2 letters to Phoenix Financial, one in XX/XX/XXXX & one in XX/XX/XXXX to try to get verification of the debt. I also requested that the negative information be removed from my credit report. To date, that has not happened. If they can not verify that I owe this money, I want the negative information removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I started working with XXXX XXXX, Assistant Vice President, US Bank, in the XXXX Utah Branch. I initiated a HELOC with her which went fine. When I came into the branch to sign all the closing documentation for the HELOC XXXX asked if I was interested in a credit card with US Bank as I was Pre Approved. I asked her if we continue would it be another credit inquiry or would they use the credit report they just pulled for the HELOC. She advised they would use the credit report they just pulled. This was actually not the case, my credit was pulled again. 
I would expect her level of position, and tenure with the company, to know these details about procedures of when credit gets pulled. This feels really deceptive and potentially a harmful sales practices to provide wrong information, uninformed or misleading.

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 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2018 I called Capital one after logging into my online account and seeing the online portal showed credit card closed. I am looking to file a suit against Capital One for a negligence and breach-of-contract. I then called Capital One and was notified Capital Once closed my account because of adding authorized signers to my credit cards. I have had 2 credit card accounts with Capital One, 1 card for over 7 years and the other for over 10 years, never skipping out on payments, never disputing transactions, always paying, balance, fees, interest, payments as agreed and have worked diligently to maintain account. In the past month or so I even paid both cards off completely before paying my other credit cards off, to show Capital I value the relationship and want to satisfy the debt. Well after calling in to remove my relative off my card as an authorized signer, within a week later they closed my account. Supposedly for suspicous activity however there were no charges on my account, never once have they had an issue with my account or issues with my authorized users. So based off assumption they made a decision to close outoall cards in which I have had for more then 10 years, adversely affecting my credit report when I have adhered to all terms in contract and adhered to my financial obligation. Without notice or Captial One attempting to notify me, via email, phone or mail if there were any questions on account they made a decision to close the account for no reason at all. This is unfair, unethical and this decision they made adversely affected my credit report - showing a closed account after 11 years has intereferred with me purchasing home, If the bank at any point would have notified me not to add relatives as Authorized signer which is an online option we are able to do anytime, I would have never added. Never did they attempt to seek a resolve between me the client. They are unethical, unfair and negligence and breach-of-contract. This decision has hendered the final stages of me solitifying the home process for no reason of validity and certainty.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
One of XXXX XXXX XXXX credit card debt collectors keeps calling me after i told them like 2 or 3 times to stop calling me. I even told them that its harrassment to continue calling me. I disputed back around XX/XX/XXXX because i didn't authorize it and someone took it out in my name without me knowing about it. It was approximately taken out in my name around XX/XX/XXXX i think guessing and its over 10 years old the debt. I told them i ain't paying it either and they can't go after me since its over 7 years old. I would like them to stop calling me repeatedly harrassing me for the {$900.00} something debt owed since its been disputed and its over 10 years old. Im not going to pay them because i didn't authorize it. I want to be left alone and not contacted again by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
GC Services is a collections agency for XXXX. I Spoke with GC Services via phone attempting to resolve with negative results. They requested that I email all info which I have done several times. I have not received a response. They have negatively impacted my credit because of a mistake that XXXX admitted making. Now they are at fault because they refuse to investigate and communicate with me. XXXX Corporate investigated this issue and it was resolved in my favor. I never owed them money! 
XXXX Corporate Services XXXX Ext. XXXX Name : XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: GA

Complaint narrative:
I am no longer associated with these addresses or have I ever been associated with these addresses. 

XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX   XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
Saw this on my account and I never done anything with Diversified Consultant and do no owe {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 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: IL

Complaint narrative:
I have been attempting to get this defaming information off my credit report and the bureau continues to say re-investigation in progress since XX/XX/2018. Every month it's the same re-investigation process for the past 5 months now. The bureau has not sent me any verifiable proof with my signature to prove the information reported is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: ACS Education Services
State: TX

Complaint narrative:
Per the XXXX XXXX XXXX XXXX, and the reporting responsibilities of data furnishers under the Metro 2 format, it is boldly stated on page 4-7 " Do not report the Social Security Number, in whole or in part, within the Consumer Account Number. '' Conduent ( formally ACS who is still reporting as ACS ) has my partial social security number reporting as my account number and has been doing so since 2006 ( proof attached )! This is a blatant violation of the CIDA, and standards of Metro 2. Furthermore, the account is not reporting the correct type of account, account name of creditor, correct address for disputes to be sent too. This account reporting is not only violating FCRA law but Texas Finance Code section 392, reporting requirements advised under the CIDA, and the CFPB. Either the account is corrected immediately, or it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN

Complaint narrative:
According to previous Account Manager if the subject property appraised value lower than {$300000.00} with existing outstanding balance of {$210000.00} and Borrower has existing reported income of $ {$3800.00} ( which includes the legally received ongoing child support that Borrower has a right to use for loan modification calculation ), both the subject property and Borrower, XXXX XXXX XXXX, would qualified for a loan modification according to Investor 's guidelines for the subject property. 
Bayview Loan Servicing Interior Appraisal completed on XX/XX/2018 confirmed that the subject property value is {$260000.00}. My Lawyer also provided the Child Support Legal Agreement in addition to submitted monthly the Bank Statements with ongoing circled proof of the child support. 
On the XX/XX/2018 we got the denial from Bayview Loan Servicing and clearly notified by XXXX XXXX that Bayview loan servicing is not going to use the Interior Appraisal value of {$260000.00} and not going to use the child support legal agreement in support of ongoing income and just simply would deny a loan modification due to the equity in the house. 

* Following conversation with XXXX XXXX she advised that underwriter did not use for calculation the Present Outstanding Balance of {$210000.00} ( please be advise that this balance is without accumulated fees ( see mortgage statement from XX/XX/2018 ) ) instead underwriter used Unpaid Principal Balance Before Modification of {$150000.00} ( see page 4 out of 5 of NPV test, Input field # 13 ). XXXX XXXX was not able to explain what Bayview Loan Servicing is going to do with the difference of {$65000.00} ( {$210000.00} - {$150000.00} ) and why it is not considered a part of the existing balance for calculations?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I got a HELOC loan from Beneficial, I paid it off in XX/XX/XXXX. In XX/XX/XXXX I closed the account due to selling the home. XXXX released for recording on XX/XX/XXXX to XXXX recorder, loan number XXXX. I also got a copy of Satisfaction of Morgage from XXXX XXXX XXXX XXXX. which states it authorize and directed to discharge the same upon the record of the said morgage. Instrument no. XXXX in the records of the county recorder in the county of  XXXX State of Minnesota This Satisfaction of Morgage. It was issued in State of Florida and Notary Public XXXX XXXX.Notary #  XXXX. 
Now comes the issue XXXX went out of bussiness and sold a large group of loans that were not paid off to XXXX XXXX XXXX for pennys on the dollar. My paid off loan got in this mix. The account number with Ditech is XXXX, I have never heard anything about this issue till I was buying a home 4 years later, and have never worked with this company. My paid off loan got in this group of open loans, I am buying a new home and it was in under writing and on all three credit reporting companys it shows this loan is not paid off and still owe XXXX which is what the origanal loan was for. Ditech has copys of the satisfaction of the loan in my file. But will not fix there mistake. I have now lost the home I was buying and have to be out of this rental in 18 days. I am have no idea what I am going to do and I have 2 dogs and 3 cats so a rental will not rent to me with my pets. This has caused me so much stress and making me sick. I am stuck, there is a class action suit filed for the same issues with 100 's of poeple filling lawsuits. I have spoke to an Attorney both for the class action suit and a local attorney in XXXX. I will be filling a lawsuit if not corrected now. I have asked in writing for a complete payment history showing this loan from XX/XX/XXXX has never had a payment made to it. A lawsuit will take years take years and I can't buy a home. 
I beg of you please help me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RAYMOND JAMES BANK
State: CT

Complaint narrative:
XXXX XXXX XXXX  has charged my account with fees such as bad check which are false and they call me 40or 5times a week even though I have spoken with them and brought them up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I am now 3 weeks into a problem with XXXX XXXX returning a large sum of my money that they did not credit to my account. The company claims that since XX/XX/XXXX they returned it using the wrong account number. Their most recent claim is that they have turned the {$2500.00}. over to XXXX-a company about which I have no information or contact numbers-and that they are unable to provide me with a timeframe as to when XXXX will complete the return of the payment. This is inappropriate and unacceptable. How can a reputable bank be unable to know where my money is or when it will be returned? This banks practices need to be examined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: GA

Complaint narrative:
I am no longer associated with these addresses or have I ever been associated with these addresses. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo keeps showing up on my credit report and I have not done anything with Wells Fargo in over 7 Years. I would like this to be taken off as I am sure the debt is not mine.

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