vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My indentity was stolen and now I have hard inquiries on my credit report that werent authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My indentity was stolen and now I have hard inquiries on my credit report that werent authorized.

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 2018-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My identity was stolen and now I have hard inquiries on my credit report that werent authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: Risecredit, LLC
State: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My identity was stolen and now I have hard inquiries on my credit report that werent authorize.

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 2018-04-19 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: Conn's, Inc.
State: AZ

Complaint narrative:
My identity was stolen and now I have hard inquiries on my credit report that werent authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX  XXXX XXXX report my name to XXXX XXXX and XXXX XXXX XXXX they said i'm owe them {$870.00} for check deposit no money in the bank i did fixed after get the account closed out now they report my name to the two agency now I'm unable to opening any checking account Contributor : BANK OF AMERICA Contribution Ref # : XXXX XXXX Number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX SSN/Tax ID # : XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : VA Incident Date : XX/XX/2016 Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner

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 2018-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX is reporting an inaccurate late on my credit 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 2018-04-19 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: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate late on my credit 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 non-monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I contacted the said company to dispute account and was sent paperwork to fill out a fraud report. On XX/XX/2015 this account was opened without my knowledge. In the amount of {$3100.00}. I didnt authorize this account. I didnt purchase anything ever from XXXX XXXX XXXX. Ive had only one phone company for 15yrs and that is with XXXX not with XXXX XXXX XXXX or 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 2018-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
I brought my last 2 cars from XXXX XXXX in XXXX N.J. I would iof continued buying cars from XXXX but I recently discovered they paid the payoff on my last trade so late it plummeted my credit score. I called and the staff assured me the payoff was sent. The finance people at XXXX lied and blamed it on the holidays and said they personally had sent it out. I traded my car XX/XX/XXXX. They made the payoff almost XX/XX/XXXX I started receiving calls at my job mid XX/XX/XXXX after returning from vacation that my payment was late for a car I didnt own I called them and was told the owner would clear it up with the bank which they never did. I never even got a call back from them I went from over a 800 credit score down to very low XXXX as a result I have worked so hard to preserve and maintain my credit all my adult life to have this happen This is impacting my purchasing power as I am on the market for a new home and a vehicle for my son I plan to file a complaint against them with the XXXX  Bad business practices

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 2018-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
I am a XXXX XXXX and have worked since graduation from college serving XXXX XXXX communities. I recently submitted my employment for certification for the Public Service Loan Program. My employment was certified. However, when my loans were transferred to Fed Loan Servicing, they informed me that the payment plan I had been on previously made me ineligible for the PSLF. 

I have registered a complaint with my previous loan service, Mohela. My loans were transferred three times in four years, from XXXX XXXX XXXX ( XX/XX/XXXX ) to XXXX ( XX/XX/XXXX ) to Mohela in XX/XX/XXXX. Each time my loans were transferred, I spoke to customer service to confirm I was in the right payment plan for PSLF. Each lender assured me I was. When I spoke most recently with Mohela customer service on XX/XX/XXXX after being told I was ineligible because of a previous payment plan, they informed me that I had been in the correct payment plan but that the terms of that plan were wrong. They provided me misinformation about the terms of the loan, and can not fix the history of my payments. 

I have worked over ten years in public service, but because the loan companies who had my loans provided me inconsistent and incorrect information, my employment does not count towards my loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, a payment was made accidentally using the wrong XXXX XXXX Account - ending in XXXX in the amount of {$610.00}. This payment was subsequently returned as the account in question was the wrong account and did not have adequate funds. I was unaware of this error at the time. On XX/XX/XXXX another payment was made for the total amount of {$650.00} to include {$610.00} plus a late fee of {$35.00} within the 30 day period so it was not 30 days late using XXXX XXXX Account - ending in XXXX. On XX/XX/XXXX, another payment was made using XXXX XXXX Account - ending in XXXX, in the amount of {$600.00}. This payment should have gone through but for some reason appears to have been rejected by the bank and returned on XX/XX/XXXX. I tried to make the payment again on XX/XX/XXXX but this time split it into two separate payments in the amount of {$580.00} and {$100.00} and both payments were credited. I believe these payments should reflect not to be 30 days late as they are simply payments made from the same account - XXXX XXXX Account ending in XXXX - that ought to have processed but did not for reasons still unknown to me. On XX/XX/XXXX, I paid {$600.00} dollars and on XX/XX/XXXX, {$610.00}. I am asking that Capital One kindly remove the late payment reflected in XX/XX/XXXX as I paid it within 30 days and it was not processed for reasons unknown to me. I also was not aware of the returned payment from XX/XX/XXXX. I immediately paid the XX/XX/XXXX payment again the day after from the same account and this second time it processed correctly. When I discovered the XX/XX/XXXX payment was still outstanding, I made a catch up payment in XX/XX/XXXX in effect making the first payment on XX/XX/XXXX and the second on XX/XX/XXXX. I ask that you kindly take up this issue with Capital One as it is in the best interest of all parties and I am adhering to their rules and sincerely making all efforts to continue to be on time with my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I paid my final bill directly to XXXX in XX/XX/2017. I checked my credit report recently and was surprised to see XXXX XXXX reporting a " Paid/Closed '' collections account citing XXXX as the original creditor. I was never contacted by XXXX XXXX regarding this debt. By law, they had to notify me that they were collecting the debt before they could take any action, including reporting the account to the credit bureaus. I have never received any communication from Convergent, neither by mail, nor by phone. The account was paid in full to the original creditor. Moreover, I was never contacted by XXXX XXXX informing me they were collecting the debt. Therefore, XXXX XXXX must stop all collection activity on this account. This includes, but is not limited to, negative reporting to the credit bureaus.

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 2018-04-19 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate late payment on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate late payment 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 2018-04-19 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: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate late payment on my credit 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 2018-04-19 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate late on my credit 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 non-monetary relief
Consumer complaint received 2018-04-19 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 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: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
Merchants and Professionals is reporting an inaccurate late on 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 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Protfolio Recovery Associates LLC bought all my charged off credit card debt. They can not collect a debt that they purchased for pennies on the dollar. They are not a collection company. They tried to sue me once, I got a laywer to dimiss it. They call me at least 10 times a day at my work and my cell which they never had permission to contact me. They call my daughters phone number, which i never gave them permission to contact her. They call from spoof numbers that are local with my area code. They have now gone and placed these items on my credit report. I have disputed it with XXXX and XXXX but they will not remove it. I dont owe these people anything and want them to stop harassing me and remove this stuff off my credit report. I have blocked their numbers as they come in, I have over 100 numbers from my area code blocked in my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: FL

Complaint narrative:
Experian DID NOT verify the information into XXXX XXXX XXXX remark on my credit report. They didn't verify the date that it was opened, they DID NOT verify the address and signature on the application, they did NOT verify the status, all they did was say it was updated. 

PER the FTC that is NOT a proper method of verification. Again, I have NO signed contracts with XXXX XXXX XXXX, the address they supposedly verified I never lived. So, how can they verify the information. Name and JUST SOCIAL SECURITY NUMBER? I thought when you applied for credit, you had to also put the address you resided in addition to your name and social XXXX XXXX XXXX - Account Number - # 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 2018-04-19 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate late on my credit 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 2018-04-19 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 several medical bills from XXXX XXXX hospital which are in collection with XXXX XXXX XXXX. I have no medical issues, ive never been to this hospital and tjis bills are on my credit. I have dispuyed them several times along with a utility bill and several inquires on my credit that are UNAUTHORIZED by me. The credit bueraus always return the dispute VERFIED but i dont know who or where they are verifying this belongs to 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 2018-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I have been paying on time since XX/XX/XXXX. My last payment was accepted XX/XX/XXXX as XXXX was transitioning to XXXX. Now that XXXX is servicing my loan I can not log in, and the system is not recognizing my social security number. I can't access a human being on the phone line because, again, the system isn't recognizing my social. I necer received any email from Conduent after this initial email from XXXX> Here is the last correspondence I received regarding my loan : Dear Borrower, This is to notify you that as of XX/XX/XXXX XXXX XXXX XXXX is no longer servicing your Campus-Based Student account ( s ). You should have received notification from your Lending School and/or the new servicer with your new contact information for this debt. 

If you have not received notification regarding a new servicer for your account, please contact your Lending Institution directly. 

Sincerely, XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: AR

Complaint narrative:
This collection is reporting on my credit report and it is incorrect. I have tried to fix it with Experian multiple times and they have still not corrected it. This item is reporting as a revolving trade line that is affecting more of my credit than normal. I have attached a screen shot explaining that this is coded as XXXX XXXX, which is completely incorrect.

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 2018-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was charged {$54.00} from XXXX/XXXX on XX/XX/20018 on my Chase credit card. I did not authorize or receive anything for this charge. I contacted Chase to dispute. I received a letter today stating that I am responsible. I have closed my Chase account but I'm still reliable for this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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 several medical bills from XXXX XXXX hospital which are in collection with XXXX XXXX XXXX. I have no medical issues, ive never been to this hospital and tjis bills are on my credit. I have dispuyed them several times along with a utility bill and several inquires on my credit that are UNAUTHORIZED by me. The credit bueraus always return the dispute VERFIED but i dont know who or where they are verifying this belongs to me.

Company response to consumer: Closed with non-monetary relief