vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I believe there is incorrect information on my credit report, and I have been attempting to gain online access to obtain my credit report. I can not access the online portal because they have incorrect information, and I have to file a dispute online to correct the information but since I can't access the online portal I have to access to my credit report or the dispute process. I have contacted the company a few times, but they won't fix the issues because I can't verify my identity since my credit report is incorrect. I am basically being told I can't access my credit file because I can not verify who I am because I can't verify incorrect information. I have tried contacting Equifax directly and the customer service is extremely unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NC

Complaint narrative:
Hunterwarfield has been sending letters that they took over a debt originally with XXXX XXXX for rent North Carolina. I never lived in North Carolina. They are trying to say I rented a home with them and that is not correct because I have proof that I lived in West Virginia and was still working daily in West Virginia when the alleged contract was signed. I have asked several times for verification and have not been provided the information. When I dispute, They remove it from my credit, and then put it back changing the balance from {$1200.00} to {$1200.00}. Making it seem like I have been paying on the debt when I havent because it isnt mine.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
There was an unauthorized hard inquiry made by XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX.

There was also an unauthorized soft inquiry made by XXXX XXXX XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This complaint is against XXXX XXXX. I have multiple accounts with them and they have lowered all of my credit limits. 
I havent had any 30 Day lates with them and they have done this.

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 2018-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There was an unauthorized hard inquiry made by XXXX/XXXX XXXX XXXX XXXX on XX/XX/XXXX.

There was also an unauthorized soft inquiry made by XXXX XXXX XXXX XXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There was an unauthorized hard inquiry made by XXXX/XXXX XXXX XXXX XXXX onXX/XX/XXXX.

There was also an unauthorized soft inquiry made by XXXX XXXX XXXX XXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: DISCOVER BANK
State: NY

Complaint narrative:
I found wrong negative information from Discover on my credit report as I have been late on a payment for more than 60 days, when I contacted them I found out this card does not belong to me, it belong to My husband which he never received a statement from them and he paid them when they contacted him and when he learned about what mess they caused me he paid off the balance and closed the account. 
when I contacted them asking them to remove the wrong information from under my name as I do not own this card and these charges do not belong to me they refused stating I am an authorized user on the account I explained I am an authorized user on the account to manage the account and I am not responsible financially on charges do not belong to me, they confirmed i am not responsible financially but under the law they have to report this information under my name I asked them which law they are talking about giving them the right to report wrong information about me while i do not own the card and I did not ever use it they refused to share that law with me. 
I believe this is an abuse of power i Believe they should not report me late on a card not mine for charges does not belong to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I found wrong negative information from XXXX  on my credit report as I have been late on a payment for more than 60 days, when I contacted them I found out this card does not belong to me, it belong to My husband which he never received a statement from them and he paid them when they contacted him and when he learned about what mess they caused me he paid off the balance and closed the account. 
when I contacted them asking them to remove the wrong information from under my name as I do not own this card and these charges do not belong to me they refused stating I am an authorized user on the account I explained I am an authorized user on the account to manage the account and I am not responsible financially on charges do not belong to me, they confirmed i am not responsible financially but under the law they have to report this information under my name I asked them which law they are talking about giving them the right to report wrong information about me while i do not own the card and I did not ever use it they refused to share that law with me. 
I believe this is an abuse of power i Believe they should not report me late on a card not mine for charges does not belong 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 non-monetary relief
Consumer complaint received 2018-04-09 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: DISCOVER BANK
State: NY

Complaint narrative:
Few Months ago I moved into a new home and I Updated my mailing address with every one, on XX/XX/2018 around XXXX XXXX  I received a call I have a past due account on Dicover card which I do not use that often I did explain I just moved to a new address and I never received a bill or statement from Discover I provided them with my address I asked for a copy of the statement to be mailed to me I asked not to put me on paperless statement. 
I thought the problem was taking care off. 
till my wife found out they are reporting her being late on the payment for more than 60 days and they are reporting me as well. 
we contacted them we asked them to remove the wrong false information about my wife as she is not the owner of this card she did not use it and the charges do not belong to her they decline our request they inform us they are allowed by law to do that but they did not share which law they are talking about. 
I explained to them it seems as they did not send the statement to me I explained to them that they contacted me on XX/XX/2018 I paid over the phone to make the account current and I was waiting for the hard copy statement to check the charges i questioned them why they collected payment from me and reported me the same day me and my wife. they said because maybe the payment took more time to post to the account!!! 
I paid them over the phone so the account could become current and I avoid any late charges or any problems but they still reported me late on payment which reduced my credit score more than 40 points and that will cause me and my business too much harm. they refused to remove the wrong reported information, I paid the account in full over the phone I closed it and I asked them to remove negative information about me and my wife they declined our request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Few Months ago I moved into a new home and I Updated my mailing address with every one, on XX/XX/2018 around XXXX XXXX I received a call I have a past due account on XXXX XXXX which I do not use that often I did explain I just moved to a new address and I never received a bill or statement from XXXX I provided them with my address I asked for a copy of the statement to be mailed to me I asked not to put me on paperless statement. 
I thought the problem was taking care off. 
till my wife found out they are reporting her being late on the payment for more than 60 days and they are reporting me as well. 
we contacted them we asked them to remove the wrong false information about my wife as she is not the owner of this card she did not use it and the charges do not belong to her they decline our request they inform us they are allowed by law to do that but they did not share which law they are talking about. 
I explained to them it seems as they did not send the statement to me I explained to them that they contacted me on XX/XX/2018 I paid over the phone to make the account current and I was waiting for the hard copy statement to check the charges i questioned them why they collected payment from me and reported me the same day me and my wife. they said because maybe the payment took more time to post to the account!!! 
I paid them over the phone so the account could become current and I avoid any late charges or any problems but they still reported me late on payment which reduced my credit score more than 40 points and that will cause me and my business too much harm. they refused to remove the wrong reported information, I paid the account in full over the phone I closed it and I asked them to remove negative information about me and my wife they declined our request.

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 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Prizm Financial Company, LLC
State: OH

Complaint narrative:
Account was open XX/XX/XXXX and closed XX/XX/XXXX in good standing. This account should be pass it's 7 years of reporting on my credit report and still shows up. The balance was paid in full with no missed payments or late.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
from around XX/XX/XXXX my mortgage has changed from one company to another I did not know who had the mortgage from time to time a company would send me a letter saying they were foreclosing on my house and i would send them a QWR Qualified Written Request and would never receive the information demanded of them and now I believe the XXXX XXXX XXXX XXXX XXXX is claiming ownership of the mortgage I mailed them a QWR via certified mail dated XX/XX/XXXX ( see attachment ) demanding their Standing to Foreclose and other certain factual information in which I have not received

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I am 100 % debt free and have been for years. 
A XXXX XXXX XXXX 
XXXX left a long message on my landline about my debt. I was going to call them but decided to check them on the internet. What I found was once a person calls them their calls become numerous. So I have turned off my answer machine because I think once the machine picks up it is recorded as a response. 
I do have caller ID. 
A XXXX XXXX . continues to call me. I want those calls to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: TX

Complaint narrative:
I've had student loans with XXXX since the early XX/XX/XXXX. I was paying on an online system through XXXX, then XXXX, then Conduent. I am not on special payment plan and have never consolidated my private loan or signed any new terms ; I started paying interest plus principle on it the moment it was due, and have been paying regularly and without fail for 10 years. 

On Friday, XX/XX/XXXX, I went to the conduent website ( here : https : //www.conduenteducation.com/XXXX ) to send money to my private loan. I saw the payment go through and received an email verification. On Saturday, XX/XX/XXXX. I went in to my account to pull my student interest payment statement to do my taxes. At that time, my private loan was gone. It was no longer listed at all, and I could find no indication that it ever existed. ( I have pdfs of both days, which I have attached below ). 

Let me state that again -- in a matter of 24 hours, my XXXX loan being serviced by Conduent that I have regularly paid each month for over ten years through the same service has disappeared from my queue and has evaporated from my account. It is GONE. 

There was no email and no follow-up -- it just appears my loan is now invisible/inaccessible to me. ( Maybe it has been sold to a new entity? ) Either way, this is unacceptable. I now have no idea how to pay this loan -- where do I send it, and to who?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: Avant Credit Corporation
State: MS

Complaint narrative:
The company said that it would NOT make a hard inquiry but they did and it lowered my score. 

They used the name XXXX and call two or more times a day. It has turned into harassment. 

THEY SHOULD NOT HAVE RUN A HARD INQUIRY! THEY SAID THEY WOULD NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
On/around XX/XX/XXXX, I a settlement was made. I called repeatedly requesting the settlement to be in writing.

On XX/XX/XXXX, the company sent an agreement in writing via email, however, it did not state the payment would be final and resolve. On the same day, I replied requested to modify the statement, no reply.

On XX/XX/XXXX, I called and request the same agreement and detailed it should include " once paid, matter considered resolved ''. Representative stated she would get the letter sent.

On XX/XX/XXXX, I called and requested the same.

For about a week or so after, I called almost everyday asking the same.

On/around XX/XX/XXXX, a representative called me asking to resolve matter. I explained the situation and she, again, promised to get agreement sent via email.

On/around XX/XX/XXXX, same representative called stating that the agreement was sent. I informed her I did not receive it, additionally, she insisted that it was sent. But when asked for the same email to be forwarded, she refused.

Finally, she stated that since it is not past the " agreement '' date, the full amount is due.

It seems the company purposely did not send me the agreement in order to make it look as if I missed the agreed date. I stressed how often I called to ask for the agreement, but every time they failed to sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The company said that it would NOT make a hard inquiry but they did and it lowered my score. 

They used the name XXXX and call two or more times a day. It has turned into harassment. 

THEY SHOULD NOT HAVE RUN A HARD INQUIRY! THEY SAID THEY WOULD NOT.

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 2018-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: RI

Complaint narrative:
an online offer was emailed to me last XX/XX/XXXX from HSBC bank, and if i apply for a " Advanced checking account '', offer expires XX/XX/XXXX i would get a {$350.00} bonus, and i did online on XX/XX/XXXX-XX/XX/XXXX, than you must fund the account with {$10000.00} or more within 30 days of account opening which i did {$10000.00} Exactly by XX/XX/XXXX ...., the account was opened on XX/XX/XXXX but i really had until XX/XX/XXXX to fund this with {$10000.00}, and i did, i completed all there requirements and kept a {$10000.00} balance for 90 days as needed for the bonus offer and i still currently have not touched any of that balance ... .. I called Hsbc at XXXX on XX/XX/XXXX to ask about my bonus and they informed me, told by there Marketing dept., that i am NOT eligible for the {$350.00} bonus because my account was not opened until XX/XX/XXXX, which was past XX/XX/XXXX??, i dont have a copy of that online application, but i swear IT NEVER said the account has to be opened by XX/XX/XXXX ... .what it said is that you must apply online before XX/XX/XXXX, which i did ... ... .positive ... ..., it took over a week for them to open the account, not my fault at all ... .... and i funded the account within the 30 days required, and now there making me want to call a lawyer to sue them because of FALSE ADVERTISING practices on there part ... ... i also found out that on XX/XX/XXXX that same exact offer was extended till XX/XX/XXXX, so i still would of qualified anyway ... ... .. thanks very much for your help in this matter, very truly yours, god bless ...., my account is still open ... ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: TX

Complaint narrative:
On XX/XX/2018 I received an alert from my credit monitoring that this collection account popped up on my credit report. I have never done business with this company nor do I have a contract with this company. I, as a consumer, have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law and popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Receivables Management Group., I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to do. THIS IS A CLEAR VIOLATION OF Receivables Management Group illegally placing information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I currently have a Walmart Mastercard. I recently noticed a reoccurring charge on my statement every month. I am not sure when this first started as I can only go back to my XX/XX/2017 statement on the Walmart website. This monthly charge is charged as 1.6 % of my current card balance every month for card security. I did not sign up for this service nor did I authorize this service from XXXX. This is through Synchrony Financial. After searching online this seems to be a common issue. There are many other people who were also unaware of this monthly charge, and did not sign up for " card security. '' I would like for the service to be discontinued immediately, and refunded for being charged for a service I never signed up for.

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 monetary relief