vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
I called and spoke with a Ms. XXXX with Covington Credit Collections to make a settlement payment in the amount of {$200.00} from a balance of {$340.00}. It was agreed to payoff the settlement in the amount of {$200.00}, payment was made with a Visa Debit Card on XX/XX/2019. I later find out that It was reported to XXXX  that I owed a balance of {$130.00}. Covington Credit Collections reported to XXXX no collections, reported bad debt to an to XXXX. This company is fraudlent trying to destroyed my credit through another credit company. They will lie to you about paying off your debt as if you're making payments that I didn't agreed on. The staff is very rude to you, with very poor customer services. This was a " settlement to clear a debt owed and not make monthly payments. I also continue to call for a receipt but the company never would release it. The payment was bank drafted from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I need my XXXX XXXX on credit report to state current. It is reporting negative on XXXX, XXXX, and Equifax from the XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX my XXXX  XXXX worker said that she will update my file as current. She works out of the XXXX County Division. She can reached at XXXX. She told that she will me a letter. Yet, I have not seen a letter or heard any thing from her in regards to honoring what she agreed to do,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have sent several certified letter requesting the validated with documentation with my signature and my authorization to share my private medical information with a XXXX XXXX XXXX. 

Below is the letter I sent to the company and they had 30 days to respond and did not. 

Not surprisingly, I have NOT received evidence bearing my signature which would serve as proof of the above referenced account being reported accurately. 

Let this serve as confirmation that your explanation and description of procedures used to reach your conclusion are documented as evidence in my ongoing quest for justice. Your inability to provide ample evidence of the procedures and methods used to determine the accuracy and completeness of the information in question is also sufficiently documented. 

I am requesting to be provided with the following information for each individual who verified this alleged account : * Full Name * Mailing Address * Telephone Number This provided information will be used to inquire on specifically how they " verified '' without provided the previously requested evidence bearing my signature. 

Per a Federal Trade Commission opinion letter a simple printout of a bill or even an itemized document does not qualify as " verification ''. The opinion letter can be found here http : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX XXXX a XXXX % XXXX % XXXX % XXXX Please immediately provide the previously requested evidence bearing my signature, or DELETE this account at once as it is clear there is no proof or binding obligation between myself and the alleged account. 

It goes without saying that I will continue to keep diligent records of all communications and correspondences and if this final attempt goes unresolved I will be filing formal complaints immediately with the agencies cc 'd on this communication. 

Your non-compliance with the FCRA and FDCPA exposes you to damages for such violations. I will seek a minimum of {$1000.00} in damages for each violation. Small claims would be filed for : XXXX Defamation * Violating the Fair Debt Collection Practices Act, particularly Section 807-8.

* Violating the Fair Credit Reporting Act, particularly Section 623-B *  Negligent Enablement of Identity Fraud The court is likely to request your presence in my local jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I was served Execution for Ejectment papers on about XX/XX/XXXX, the papers stated that the authorities would be at my house to move my belongings out on XX/XX/XXXX. I went to the Courthouse and filed for a motion to stay. At that time, the judge granted me the stay, after I explained I had applied for a mortgage modification. The judge then asked the attorney representing PHH Mortgage Services, roughly how long does it take to get a decision on the modification, the attorney said 15 to 45 days. It was at that point she granted my stay until XX/XX/XXXX. Since that time I have been going back and fourth between the attorney and the mortgage company trying to get a rescission on the completed foreclosure. PHH wont review the modification application, because it states that the foreclosure is completed.

When I ask PHH to consider doing a rescission, I was told that I would have to contact the attorney for that to be considered. When I finally got in touch with attorney asked them to consider doing it, they said they would have to get those instructions from PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: SUNTRUST BANKS, INC.
State: PA

Complaint narrative:
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.

Suntrust is being reported as 3 different names and 3 different payment addresses XXXX  has XXXX/SUNTRUST XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX has SUNTRUST BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX has XXXX/SUNTRUST XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Account Type XXXX : Installment account XXXX : Education Loan XXXX : Installment XXXX : payment status is listed as 120 days past due XXXX : payment status is listed as at least 120 days or more than 4 payments are past due XXXX  payment status Acct renewed or refinanced

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 2019-09-04 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: UT

Complaint narrative:
I am requesting to dispute the following unauthorized credit inquiries on my Equifax credit report. These were done without my permission. 

XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX   XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX I am also requesting the following addresses be removed as they are not associated with me. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I need my XXXX XXXX on credit report to state current. It is reporting negative on Transunion, XXXX, and XXXX from the XXXX  XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX my XXXX  XXXX  worker said that she will update my file as current. She works out of the XXXX County Division. She can reached at XXXX. She told that she will me a letter. Yet, I have not seen a letter or heard any thing from her in regards to honoring what she agreed to do,

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 2019-09-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I need my XXXX  XXXX on credit report to state current. It is reporting negative on XXXX, Experian, and XXXX from the XXXX XXXX XXXX XXXX  XXXX   XXXX. XXXX XXXX my XXXX XXXX worker said that she will update my file as current. She works out of the XXXX County Division. She can reached at XXXX. She told that she will me a letter. Yet, I have not seen a letter or heard any thing from her in regards to honoring what she agreed to do,

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 2019-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I opened an account with HSBC direct savings on or around XX/XX/2019. Application id # XXXX. I was told that additional verification was needed to determine my residential address. I was asked to submit a utility bill for verification of residential address. I submitted a copy of my electricity bill on XX/XX/2019 via email. When they got the bill they started making excuses that the bill was not right. Now they started questioning the balance on the bill but it was not anymore about showing " residential proof ''. I was told that because my bill had a balance that my application for a savings was being denied. I was surprised and confused at first. I did not know that because of my balance I could be denied and I was never told that a bill without a balance was needed. I mean who has utility bills pending and there is no balance or pending payment coming up? Is ridiculous. I am convinced that this bank HSBC found an excuse to deny my application without justification for the sole purpose of " DISCRIMINATION ''. I don't believe this bank and I think they are using racial profiling to discriminate about certain individuals based on race. I will provide a copy of my bill and there is nothing wrong with my utility bill except a balance coming up by the end of XXXX. After talking to XXXX over the phone on XX/XX/2019 at XXXX I was told that my application was being denied because there was a balance on my account and also a late payment fee on my bill. About 10 minutes later I got an email saying that my application was being denied because " they were not able to verify the address of the applicant ''. Just to cover themselves they sent this email explaining other reason for the denial. This whole process smells fishy to me and I don't trust this bank and I know they are not following proper rules but discriminating against XXXX applicants. Is just not a sufficient reason to deny my application because there was a balance. There is got to be a more serious reason and they don't have one to explain. In conclusion HSBC Direct Savings is a discriminatory branch against XXXX is my conclusion with no basis for denying my application. Is ok if they don't want my money but they have to have a valid reason and they don't have one. I have provided copies of correspondence on this complaint for evidence purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Cit bank has cook the books for one west bank and for XXXX XXXX by using constructive fraud and avoidance tactics with super lawyers from XXXX XXXX and XXXX XXXX To seize my property at XXXX XXXX XXXX in XXXX XXXX XXXX Florida and for XXXX XXXX XXXX deliberately defaulting the equity line And reporting me as late to the credit bureaus while Ive been in foreclosure for 12 years because of one west bank impropriety and XXXX bank fraud that XXXX XXXX and cit bank Exploited to extort me and my XXXX partner with hundreds of thousands of dollars while they funded on in a legal foreclosure by paying their super lawyers in XXXX XXXX to avoid all the liability claiming it wasnt them when they are the ones committing the act of constructive fraud and using lawyers to avoid that after they cook the books so that they make millions of dollars in profit on a marketable asset that is my home and business that they seed and stole from me with fraud and backdated documents with forgeries and perjury so that they could pay XXXX XXXX and XXXX XXXX and XXXX XXXX huge dividends after they steal peoples property that wanted to keep their properties and were foreclosed on by their crooked accountants who misapplied payment last documents and backdated forge documents just to force the losses onto the homeowner when theyre the ones that refuse payment and we were never late because I want against them in XXXX and now theyre retaliating to retaliating against me Because they wash the books just like the mafia does with fake accounting and fake assignments and fake forge signatures Which allows them to money launder and steal peoples houses in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
In XXXX I ordered apparel on-line from XXXX XXXX. I received the three like items which were defective and notified the retail store. They had requirements to meet to issue a credit which I fulfilled. When I received a bill from Comenity I phoned immediately and advised them that the items were being returned and a credit issue, therefore I would not be making the payment. They noted the account. 
In XXXX I received another bill for the purchase amount, interest and a late fee of {$33.00}. I phoned again and their response was, " That's not our problem. '' Finally XXXX XXXX issued the credit and I paid the shipping and sales tax which they had not included, but I just wanted it done so I paid it. 
The next month I received another bill showing the credit and my payment, but continuing to accrue late fees and interest. I phoned again and they said, " We don't care what they did. We'll continue to charge you until you pay it. '' When I said, " But you are charging me for nothing '' they said, " And we will continue until it reaches an amount that makes it an amount to send to collections. '' The Late Fee went from {$33.00} the first month, {$38.00} the second month, {$39.00} the fourth month, and they are adding interest each month. My last bill was {$230.00} for NOTHING! They are also reporting monthly to credit institutions which is lowering my credit score drastically. I phoned them again and they said they didn't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-09-04 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: AZ

Complaint narrative:
I have been making extra payments on my loans to get them paid off. I was originally paying from my checking account with electronic payments. I could see when the check was cashed and that it did not post for several days after the check was cashed. I called and spoke to someone to find out why as this was costing me interested in significant amounts, which of course slows down the repayment. I was told if I paid through the Navient website on their app it would post the day I made the payment, eliminating this problem. Now I am finding that my payments still do not post for a couple of days after I make the payment through their website, again costing me additional interest charges. I called today XX/XX/19 to find out why this was happening and was told that this was just the way it was, that they could not promise me anything, that it takes time to process. I run a business and this is not correct bookkeeping. Payments should be posted the day they are received and no addtional interest should accrue on the money that was paid. I can not get help with this through Navient!!!! this is wrong and expoloitative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: UT

Complaint narrative:
I am requesting the following incorrect address be deleted as it is not associated with me : XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. 

I am requesting to dispute the following unauthorized credit inquiries on my Experian credit report. These were done without my permission. 

XXXX Credit/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am also disputing the reporting of my Chapter XXXX Bankruptcy XX/XX/XXXX as dismissed. The case was " closed without a discharge '' the court paperwork does not say anything about a " dismissal '' because that is not what happened.

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 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
a former bank teller with an unusual first name I hate to write for a reason robbed me of about $ 6000 years ago then quit. 
it was another bank teller who told me something about the suspect or wouldn ; t have known because I only checked my safe deposit box once in a while. 
I stupidly withdrew {$5000.00} in {$100.00} dollar bills at Capital One years ago as one crooked bank teller with an unusual first name saw all the many hundred dollar bills and saw me take the bank elevator to the safe deposit floor and connected the dots. 
a locksmith told me all the crooked teller did was remove my key I always left in the keyhole to enter 1 of 3 small rooms to examine my safe deposit box and created a wax impression of my key in seconds. 
of course I can't prove this but wanted the senior bank VP Mr XXXX to question the suspect who called the bank at XXXX & XXXX XXXX in XXXX XXXX and someone tells the senior bank VP he doesn ; t know the suspect which is nonsense as I called the FORMER BANK MGR XXXX XXXX who told me HE ONLY KNEW THE FIRST NAME OF THE SUSPECT WHICH TRAPS Capital One in a serious cover up for years, I asked Capital One for a copy of a letter the senior VP sent me who admitted years gao he could be wrong and can't find a copy in my room. 
Capital One hdqtrs in VA REFUSES to send me a copy of that letter by the senior VP I demand the cfpb investigate for a serious cover up, a bank your CFPB hit twice for screwing many bank customers years ago and hit with heavy fines it paid and admitted nothing Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX Last reported XX/XX/2019 {$2200.00} Open balance XXXX XXXX XXXX PORTFOLIO RECOVERY Last reported XX/XX/2019 {$1200.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2019 {$490.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2019 {$380.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2019 {$290.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2019 {$140.00} Open balance XXXX XXXX XXXX Original creditor

Company response to consumer: Closed with non-monetary relief