vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-06 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I have disputed the accounts on several occasions asking for verification of the debt, update the account status to paid ( I sent the paid letters to the original creditors ) or delete account information because it was reported by a collection company on the credit report. Each request has only come back ( from the original creditor ) account information is updated ; nothing ever changes. My main issues are with XXXX XXXX and XXXX XXXX XXXX. Each time I call to speak to a representative about updating the status to paid, they tell me they I will have to call different departments because not all of the accounts are in one place ; although, the address to all accounts are in Florida. XXXX refuses to update the status or delete although the items are paid and the original creditors are still reporting as well. XXXX XXXX is also reporting some of their accounts as well as the original creditor. XXXX XXXX is the last creditor. 
I disputed with the CRA on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
I received a letter from them and responded within 30 days asking for debt validation. When they did not respond I previously complained to you and they responded saying they validated the debt with me, they did not! They made up a phony bill and printed it and sent it to me. My letter was clear on what was needed to validate this debt. My letter also told them that until they validate this debt any negative information on my credit report would constitute fraud. They received my letter on XXXX, on XXXX they reported a new collection account on my credit report. A CLEAR VIOLATION. They also have not validated this debt with me. My letter asked them to provide me with : 1. The original signed agreement showing I agreed to be responsible for this debt. 2. A completed accounting history of this debt. 3. copy of their Illinois license showing they can legally collect a debt in Illinois ( which when I call Illinois Department of Regulations I was told they do not have a license to collect debt in Illinois ). 4. The full contact information of their registered agent. All I received was their phony bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a Hard credit inquiry on my credit report from XXXX XXXX Again I have not authorized this inquiry Again I did not give permission. This is a fraud

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 2017-10-06 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: MOHELA
State: AL

Complaint narrative:
I have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XX/XX/XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were discharged in bankruptcy and the others transferred to XXXX. I spoke with someone XX/X/2017 about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a Capital One business credit card that is improperly reporting to my personal credit. All business credit card companies do n't report your business credit to your personal credit. That is why there is XXXX XXXX XXXX XXXX for business and FICO for personal. My business is totally separate from my personal and the two should not be intertwined. I have a real estate business that requires me to hold large amounts of debt for sometimes months at a time, then the cards get paid off when a home sells or I refinance. Having a large balance does not affect my paydex score since you do n't get penalized for having high balances on credit cards with business. You do, however, get penalized when it is a personal card. I had excellent personal credit ( XXXX ) and was wondering why I received an e-mail one day from my credit monitoring service stating that my score significantly dropped. I could n't figure out why until one day I pulled my credit and saw that my XXXX was through the roof! Capital One was reporting my business card on my personal credit! This has adversely affected me on the personal side and has not allowed me to get the best rate and terms on my personal loans. I even got denied from an online lender which never happens! When I called Capital One and told them to stop reporting my business to my personal credit report they were extremely rude about it. Their answer was that they can pretty much do whatever they want. My answer to them was just because they have n't gotten sued yet over this does n't make it right. These people need to be stopped! If they do n't comply there will be repercussions. This is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I took out a XXXX line of credit. I repaid the company XXXX as was required of me. They added XXXX interest 3 days later. They also took XXXX from my account 2 weeks later. Inbetween the second payment they weee going to take, I contacted the company and asked them for proof and mathematical equations that proved the decimal interest ( XXXX or so ) amount changed to 299 % in a month if the contract states the interest only increases after a year of the line of credit being open. I did not receive a clear response or accurate mathematical equation to justify the added interest. 

I asked the company to stop the interest if I started a payment plan. The company said yes. I paid the company another XXXX and they debited an additional XXXX from my account a few days later after I contacted them to stop payment on the additional charge. Finally, after my account was overdrafted, the company was no longer able to debit money from my personal account. As a result, they opened a new line of interest on the interest they were not able to get, then charged an additional XXXX, totaling a XXXX debt on interest. 

Now, the company is requiring me to pay the XXXX plus any interest it gains at XXXX per month in addition to the XXXX per month payments on the original line of credit, which is now at XXXX. I have corresponded with several people at the company with no one being willing or able to provide a fair option of repayment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NY

Complaint narrative:
16th compliant lexisnexis keeps saying I did not provide new information. What information do they need I provided it I have no idea who XXXX and XXXX XXXX are [ s you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax never confirmed my credit report freeze ( the other two bureaus did ) Equifax never provided me with my free credit report ( the other two bureaus did ) I received a text today from Equifax stated " Trusted ID detected activity needing your attention. Log into your acct or call customer service ) -- so maybe I have some product I am not aware of I log into Trusted ID with email and typical password and find I have an account. 
The website said I needed to contact customer service. 
The first time I called, my call was answered in EIGHT minutes. And then I was DISCONNECTED!
So I call back in. I 'm connected more quickly and am typing this as I 'm on the call for 15 minutes and 24 seconds. NOTHING has been provided. I do n't know if I have an account freeze. I have learned NOTHING about the text that was sent to me and I have no assurance of getting a credit report. 
I can not understand the customer service representative, named XXXX. 
THIS COMPANY needs to go out of business. 
PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: AL

Complaint narrative:
I have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were XXXX in bankruptcy and the others transferred to XXXX. I spoke with someone XXXX/XXXX/XXXX about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.

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 2017-10-06 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were XXXX in bankruptcy and the others transferred to XXXX. I spoke with someone XXXX/XXXX/XXXX about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: ACS Education Services
State: AL

Complaint narrative:
I have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were discharged in bankruptcy and the others transferred to XXXX. I spoke with someone XXXX/XXXX/XXXX about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I previously requested Suntrust to establish overdraft protection on my account when I received an overdraft fee in XX/XX/XXXX. They advised that it would be established. In XX/XX/XXXX I requested then received another overdraft fee of {$36.00} and they advised that the overdraft protection was not established as advised by the previous representative and they would confirm it corrected and waive the fee, the conversation occurred on XX/XX/XXXX. XX/XX/XXXX a transaction went through and there was n't enough funds to correct the transaction I was charged the fee and requested the fee to be waive and was advised that due to the fee they fixed in XX/XX/XXXX they were not able to adjust an additional fees on the account. Escalated to a supervisor who was unwilling to help or support on XX/XX/XXXX Requested to escalate further and she declined.

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
Consumer complaint received 2017-10-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACCESS GROUP INC.
State: OH

Complaint narrative:
In XXXX and XXXX of XXXX The Access Group states I defaulted on loans and turned loans over to XXXX XXXX for collection. These loans have been consolidated numerous times and I believe I am already paying on these loans and are not in default on my payments. I reached out to the Access Group for proof that these loans have not been consolidated into my current payments, they refuse to provide any proof or documentation that these loans have not been consolidated. Since I was turned over to collections I have had a negative impact on my XXXX XXXX and have been denied new loans applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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:
I have XXXX hard inquiries, most I dont even know about. I called and Transunion didnt help me, so Im looking to you. Its really affecting my credit. I still have inquiries from XXXX which doesnt make any sense, please help. 
Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am having issues with Equifax. They are not reinvestigating information that needs to be deleted due to age. Their online system does not allow me to dispute, their telephone system does not allow me to dispute and they never respond to mail disputes. This is ridiculous. I have been trying since XX/XX/XXXX to get 2 items removed that are past the 7 year reporting period. Equifax needs to be put out of business because they obviously can not accurately report items. 

I need the following 2 accounts deleted due to being reported past the statutory reporting period. 

XXXX XXXX XXXX # XXXX this is over 7 years old. The Date of First Delinquency is listed as XX/XX/XXXX but it really was XX/XX/XXXX. This should be DELETED due to age. 

XXXX XXXX XXXX XXXX # XXXX this is over 7 years old. The Date of First Delinquency is listed as 01/2011 but it really was XX/XX/XXXX. This should be DELETED due to age. 

My most recent confirmation # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
I had a mortgage account with Roundpoint Mortgage services out of XXXX, NC. I had fallen behind on my mortgage payments up until about XXXX XXXX, 2016. At that time I paid my account up to date including all past due payments and late charges. However, the company still reported my account 90 days past due even though it was paid before the end of the month, the amount was about {$4500.00}. I have tried multiple times by contacting their customer service line to have the problem corrected. The customer service escalated the issue to another department, which I do not know the specific name of, which I was never actually allowed to speak directly with. I also disputed the issue through the credit bureaus. With the disputes I submitted copies of the mortgage statement that should the amount paid and the date. It also showed that no outstanding balance was due. I finally filed a complaint with the better business bureau. I received a call from the company and was told they would look into it and take care of it. After receiving the results they still refused to correct the information, stating that the reported XXXX late, not XXXX. All of these attempts have still not corrected this issue, which I have been attempting to fix for approximately 9 months.

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 2017-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have tried to communicate with GLA on several occasions. I have faxed, and sent certified letters, which were received and signed for. GLA in reporting on my credit report for a bill that I am not responsible for. On top of that, that have ILLEGALLY obtained my XXXX XXXX  to do so. They are violating my XXXX rights and trying to make me pay for a debt that I am not responsible for. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SUNTRUST BANKS, INC.
State: MN

Complaint narrative:
XXXX was advertised on XXXX XXXX based on my credit scores as a place to apply for an auto loan. My XXXX XXXX is well above good. I filled out the various pages on XXXX 's page to apply for a pre-approval. In a matter of seconds, they responded with a rejection and placed a link to XXXX for this loan. It is my view XXXX is a phishing link for XXXX, they had NO intention to approve a loan based on the instant rejection. I have not been rejected by other lenders, rather I get offers each day for auto loans. Their web-site has no phone number to call either, no one to speak to. It is not a credible loan servicing company in my view based on my experience with other lenders.

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 2017-10-06 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: AL

Complaint narrative:
I was concerned about the latest security breach that Equifax had and I checked my report and noticed that there were a lot of credit inquiries that I did n't recognize prior to the breach and a couple afterwards. I contacted Equifax on XXXX/XXXX/XXXX to investigate and remove these inquiries and Equifax apparently did n't think my credit file was n't important enough to investigate my concerns. I received a letter back within a few days stating that the inquiries are actual and factual data. Basically, Equifax is telling me to go kick rocks. I called a couple of the companies and their phone numbers goes to nowhere, so this displays to me that there was n't an investigation done. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Equifax is clearly violating my rights as a consumer and I want to issue resolved immediately.

Company response to consumer: Closed with explanation