vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, my 3 student loans ( parent portion ) were paid in full by XXXX and XXXX XXXX. After that, I was on a 3 year post monitoring status. For the 3rd year, XXXX/XXXX sent my letter to the wrong address after 2 correct years that caused the loans to report as reinstated on XX/XX/XXXX. On XX/XX/XXXX after becoming aware of the error, I contacted XXXX, gave them the final letter and was told the loans were paid in full and my 3 year post monitoring period was satisfied. Unfortunately, it took them over 5 months to finally get the balances to XXXX. Along with the XXXX  balance, a remark was added to all 3 loans that reads " Deferred, payments begin XX/XX/XXXX which is totally incorrect. I have disputed the errors with all 3 major bureaus several times, but they told that they can only report what the lender tells them to. I have suffered a 70+ point drop in score and have been denied several loans because of the erroneous $ XXXX $ XXXX dollars of debt. I will upload the corresponding paperwork and add it to this request. However I can not do so until I close this site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, my 3 student loans ( XXXX XXXX ) were paid in full by XXXX and XXXX XXXX. After that, I was on a 3 year post monitoring status. For the 3rd year, XXXX/XXXX sent my letter to the wrong address after 2 correct years that caused the loans to report as reinstated on XX/XX/XXXX. On XX/XX/XXXX after becoming aware of the error, I contacted XXXX, gave them the final letter and was told the loans were paid in full and my 3 year post monitoring period was satisfied. Unfortunately, it took them over 5 months to finally get the balances to XXXX. Along with the XXXX balance, a remark was added to all 3 loans that reads " Deferred, payments begin XX/XX/XXXX which is totally incorrect. I have disputed the errors with all 3 major bureaus several times, but they told that they can only report what the lender tells them to. I have suffered a 70+ point drop in score and have been denied several loans because of the erroneous $ XXXX $ XXXX dollars of debt. I will upload the corresponding paperwork and add it to this request. However I can not do so until I close this site.

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 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
The issue began when I was unable to log into my credit card account online.

The credit card was for a store that went out of business ( XXXX XXXX ). The site was repeatedly down so I was unable to make a Payment. I sent an email to the help desk more than once and did not receive a response back. I started receiving missed payments on my credit card but felt that XXXX XXXX should amend before I paid off my account because their website had been down.

Instead XXXX XXXX called my relative instead ( Mother ) who is not a co-signer or joint card holder. We do not even share the same household or phone number. I am unsure how she was even tracked down. The person who spoke with her shared confidential information and asked for my new cell phone number, although they have my current address on file. I was left a voicemail that I have saved, in which I was advised by XXXX XXXX to have an attorney return the call. I'm unsure as to why they are advising me to obtain legal counsel for a debt of {$200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I recently reviewed my credit report with XXXX in XX/XX/XXXX and just noticed that the student loan I co-signed for someone back in XXXX is being reported as a joint account on my file. I disputed it as it should show on my report that I am a co-signer not as a joint account. When I checked the investigation results last night, it says it was verified as reported. This is the only student loan that I have on my file, which I co-signed for my niece. 

I contacted Navient earlier today who acquired the loan. The original creditor of the loan is XXXX XXXX XXXX. When I spoke with XXXX from Navient 's Private Loan Dept., at the beginning of the call she identified me as the " co-signer '' for XXXX XXXX, the student and primary borrower on the loan. I again asked XXXX to confirm if their record shows me as a co-signer, and she said yes. After I explained to her the situation regarding my credit bureau dispute, she then indicated that they consider a co-signer the same as joint loan holder. She asked me if I know the difference between the two and when I explained it to her, she agreed but still indicated that Navient considers me as a joint loan holder. I reminded her that at the beginning of the call, she confirmed twice that I am showing on their record as a co-signer. That did not seem to matter. I asked XXXX how I became a joint loan holder when the original loan from XXXX showed me as a co-signer. She could not really explain that to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
On or about XX/XX/XXXX I contacted GM Financial to seek a lower monthly payment. The customer rep I spoke with put me on hold after looking over my account and told me that she would be asking her supervisor about a rewrite for my loan. She explained it to me and rotated my account and said she would forward this for review for approval. When a few days went by I called GM back and explained the situation and that no one had called me back concerning the rewrite I was pushed through to XXXX XXXX and he informed me that I was approved for the rewrite and after I made a payment for XXXX that was late my account would be current and the paperwork for the rewrite would be emailed to me and I would then have to sign and mail them back. XXXX went over the terms and payment amount which were great and I was very happy : 8 % interest monthly payment of {$400.00} and term of 12  months added to my current loan. I said I would take it as it lowered my payment {$160.00} dollars. My husband and I have been struggling with the payment over the years due to his layoffs. I had looked into refinancing but nothing worked out. On XX/XX/2018 I got a call back from XXXX whom I had to call the day before to ask where the papers .I need to sign were since they were not emailed to me ... he told me that now I am denied the rewrite. GM is denying all rewrites until further notice. How can they go back on their word? This information was documented that I was approved. They lied and were deceiving to me and my husband and gave false information I doubt they were going to even do the rewrite at all. I was a month behind on loan payment and called them seeking a solution to high payment due to hardship not wanting to voluntarily have car repossessed as last resort and they gave me hope made me believe that I would get paperwork to sign and have to send back before XXXX payment was due so that I would get the lower payment to start for next payment. I was waiting to do all that prepared to pay for documents to mail back to them quicker only to have been lied to. I'm stuck now with not knowing what else I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I do not have a signed contract or any contract with Enhanced Recovery company.I have never done business with this company.I am not liable for the debt from XXXX.I am not responsible for this debt from enhanced Recovery company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Dates : XX/XX/XXXX unsure of time as this log was deleted XX/XX/XXXX at XXXX XXXX   XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX.

These are records of calls made to my personal cell phone. Each time a partial automated voicemail is left, repeating the callback number. I've answered this number on the first two calls made to me on the XX/XX/XXXX and XX/XX/XXXX, but there was no answer on the other end. I called back but again it was an automated system asking for my social security. I blocked the number but continued to receive partial messages on my voicemail.

I do not know what company, if any, is attempting to reach me, and I am unable to contact anyone to make these calls stop. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Portfolio Recovery, LLC
State: GA

Complaint narrative:
This company keeps pursuing me after I have proven to them they are looking for another XXXX XXXX. They are making threats and saying they will not stop reporting this on my credit file. I can not believe they actually told me, they have the edge on me since they could keep reporting this negative account on my credit file, and said they don't care if I am a Veteran, or a XXXX XXXX XXXX XXXX. They are calling from different numbers, private numbers, and cell phone numbers all time of the day and night. I am living on an edge ; especially, when the debt isn't mine.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-17 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: MI

Complaint narrative:
I went to a credit union, XXXX XXXX to apply for a savings account and was not informed that I my credit report was being pulled for consideration to open the account, causing a hard pull and decrease of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I paid a XXXX  statement on the Regions website, as Ive done for the past several years. Apparently their website rejected the payment, and my next statement showed an ACH return ( there are plenty of funds in the checking account that was used to pay it, so there shouldnt have been a problem ). This also was reported to the credit reporting agencies and my credit rating took a huge hit. 

On XX/XX/XXXX I called their Customer Service number, and spoke with a XXXX in XXXX ( confirmation # XXXX ). He said that the routing number for my checking account bank had changed on their website ( but I confirmed that it hadnt ). He said that he was going to re-submit the payment and that should take care of it. I was also told that the collection phone calls would stop, but they continue - and that they were going to investigate this and send me a letter, but that hasnt happened either. 

Apparently re-submitting the payment didnt work, because its still showing as outstanding on my current statement, and last week I got a notice from my credit monitoring services that the account had been closed. I called last week and escalated this to a supervisor, but she wasnt any help either. And on Monday XX/XX/XXXX I e-mailed the two people in their Office of Customer Satisfaction, with a CC to the president of the company ( O.B. XXXX XXXX, XXXX ), but didnt get a response from any of them. 

Thanks in advance or any help in resolving this situation.

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 2018-05-17 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/XXXX I mailed a certified letter to Synchrony bank, they signed for the letter on XX/XX/XXXX. In that letter I requested validation, made pursuant to the Fair Debt Cololection Practices Act and the Fair Credit Reporting Act, that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. 
On XX/XX/XXXX they responded with a generic letter that did not contain my signature or any form of a contract with them. 31 days after they signed for the first letter I sent them, they did not mark my account on any Credit Bureau as disputed. 
On XX/XX/XXXX I sent a letter stating that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
I have evidence of their violations such as, the original letters that I sent, time stamped credit reports, their responses as well as documentation provided by the USPS showing when they received each letter from me.

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 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Error mesage when trying ti link to XXXX says CapitalOne is blocking me from enaebling external applications

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: CA

Complaint narrative:
I have disputed the accuracy of XXXX XXXX account # XXXX and request validation that this account even belongs to me. I keep receiving the same responses back rom the bureaus, " We've verified that it's your account. '' However, I have requested proof that this debt belongs to me such as the original application with my signature on it, contract with my signature on it, but the bureaus have failed to accurately verify that this account belongs to, and still has not delete this unverifiable account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: CA

Complaint narrative:
I have disputed the accuracy of XXXX XXXX account # XXXX and request validation that this account even belongs to me. I keep receiving the same responses back rom the bureaus, " We've verified that it's your account. '' However, I have requested proof that this debt belongs to me such as the original application with my signature on it, contract with my signature on it, but the bureaus have failed to accurately verify that this account belongs to, and still has not delete this unverifiable account.

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 2018-05-17 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: CA

Complaint narrative:
I have disputed the accuracy of XXXX XXXX account # XXXX and request validation that this account even belongs to me. I keep receiving the same responses back rom the bureaus, " We've verified that it's your account. '' However, I have requested proof that this debt belongs to me such as the original application with my signature on it, contract with my signature on it, but the bureaus have failed to accurately verify that this account belongs to, and still has not delete this unverifiable account.

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 2018-05-17 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: CA

Complaint narrative:
I have disputed the accuracy of collections account, XXXX, Account # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX continuously reporting I owe {$310.00}. I requested proof that I owe this balance such as a contract with my signature, but the bureaus keep responding that " this account belongs to me, '' without providing the proof as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: CA

Complaint narrative:
I have disputed the accuracy of collections account, XXXX, Account # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX continuously reporting I owe {$310.00}. I requested proof that I owe this balance such as a contract with my signature, but the bureaus keep responding that " this account belongs to me, '' without providing the proof as requested.

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 2018-05-17 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: CA

Complaint narrative:
I have disputed the accuracy of collections account, XXXX, Account # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX continuously reporting I owe {$310.00}. I requested proof that I owe this balance such as a contract with my signature, but the bureaus keep responding that " this account belongs to me, '' without providing the proof as requested.

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 2018-05-17 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: CA

Complaint narrative:
I disputed the accuracy of account XXXX XXXX XXXX # XXXX, requesting proof ( OG application w/ my signature ) that this account belongs to me. However, I have yet to receive any contracts, applications with my signature verifying that this account actually belongs to me. I have sent multiple disputes trying to get this unverifiable, inaccurate account deleted, however the bureaus continue to report inaccurate, unverified information. Balances on 3 bureaus are different, one bureau reports a monthly payment on a close account. The account is just inaccurate and bureaus have not followed through with proper verification.

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 2018-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I opened an account with capital one 360 and they will not let me connect to it as a payment method. also and this is even more important my father who has been sick for years sent most of his retirement money to his capital one 360 accouns over {$10000.00}. he didn't know the accounts were restricted cause they never let us know they were restricted or had any reason to restrict them in the first place. Now the money is stuck in there accounts and when u call them about it the department they send u to makes u wait at least 4 hours usually more. they said the accounts were closed but my dad 's money is in there it says when u call and it still veifirs his information. Now he has no retirement, he struggles everyday just to put food on his plate. I don't know what to do. I have asked them to close the accounts and send him his money but they will not listen.bi think they are trying to steal it from him honestly. any help would be greatly appreciated. His Name is XXXX XXXX XXXX email XXXX thanks again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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