vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter off 60 days ago to all 3 credit agencies and havent gotten a response back I also sent out a 30 day comply and demand letter with no response..now by FCRA laws im supposed to recieved a reponse in 30 days and if not its supposed to be deleted off my credit report. I would like this matter taken care of so i can move forward with my endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see XXXX XXXX XXXX reported to the Experian that i applied for credit in which i never applied for. They have violated my rights to have fair and accurate information on my credit. 

My personal information on my credit report is inaccurate as well. I have requested to have my addressees, hone numbers, and names correct on my report this is a violation on my consumer protect rights.

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 2020-07-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter off 60 days ago to all 3 credit agencies and havent gotten a response back I also sent out a 30 day comply and demand letter with no response..now by FCRA laws im supposed to recieved a reponse in 30 days and if not its supposed to be deleted off my credit report. I would like this matter taken care of so i can move forward with my endeavors.

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 2020-07-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter off 60 days ago to all 3 credit agencies and havent gotten a response back I also sent out a 30 day comply and demand letter with no response..now by FCRA laws im supposed to recieved a reponse in 30 days and if not its supposed to be deleted off my credit report. I would like this matter taken care of so i can move forward with my endeavors.

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 2020-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: NY

Complaint narrative:
XXXX XXXX have never been notified of this debt. This debt is not owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services
State: GA

Complaint narrative:
ACS is reporting false information to the credit bureaus. This is my final notice. You have 14 days to remove this item from reporting or I will file a complaint with the Department of Education and File a lawsuit against ACS. This stops now. My loans went into Forbearance from XX/XX/XXXX until XX/XX/XXXX. All my loans were refinanced and consolidated in XX/XX/XXXX. You are reporting late payments for periods were a forbearance was given. You have even supplied documentation establishing my claim that this loan was never late. The loans were either in different or forbearance. While the loans were in forbearance your company continued to sell the loan from one company to another creating misinformation and data errors. I am not responsible for you bad management. This loan was never late. Either update the credit file to show that this loan was in either multiple def-ferments or forbearance or remove it from reporting. I will not ask again. You are violating my rights under the FCRA and you are violating the reporting agreement between servicers and the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My student Loans were in Forbearance until XX/XX/2016. In XX/XX/2016 my loans went into consolidation. On my current credit report Nelnet is reporting late payments for time periods that my student loans were in deferment or forbearance. Also, Nelnet is showing my loans as late when the loans were not late, Nelnet was completing the process of paperwork internally. I understand that errors due occur and that we all make mistakes. Thats is why I am giving Nelnet 30 days to correct my file appropriately. If this is not updated correctly I wlll file a lawsuit against Nelnet and file a complaint with the department of education. These are not empty threats because you all did choose to report each loan dismemberment separately I have over 16 late payments for loans that were not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX can not connect to my online banking

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is reporting inaccurate late payments for the account XXXX. This is false. The account was closed by Capital One on XX/XX/2019. This is the same time period that a Federal Judge notified Capital One that a Bankruptcy stay was dropped and the case was dismissed. After Capital One was notified by the court that these proceedings ended, Capital One had a legal obligation to notify me of my current balance and a opportunity to pay any delinquency owed. They did not notify me even after a federal judge gave them my updated contact information and notified them that this would not go to bankruptcy. Capital One has violated my rights and has damaged my credit in the process by reporting information that is not true. The employees at Capital One made a mistake and improperly botched my credit score hurting my chances at buying a home. I demand that this item be removed from reporting moving forward. Capital One has had 10 months to properly contact me and settle any balances owed. They failed to properly process this correctly and I should not be held responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
On or about XXXX of XXXX I became aware, by them calling me and my family members, that Convergent was saying that I owed them " {$1500.00} '' and I had 10 days to pay or they would forever ruin my credit. As of this date I had never received anything from them in writing and my credit was, is, PERFECT with credit scores averaging in the high 700 's ( which is extremely good ) I immediately sent them a certified letter disputing the debt which they signed for in XXXX of XXXX which was my right and I asked for proof of the debt and for them to stop harassing me and my family members. I was, and am, battling XXXX at the time and the last thing I needed where these tactics when I didn't owe them, or XXXX ( who they said they bought the debt from ), anything. 
In spite of my requests they never responded. 
Over the next 2 years I repeated these request for seven times and they never responded and they put it on my credit file which was wrong in many ways. 
In late XXXX I contacted my US Senator 's Office and they reviewed my paperwork and said " this is wrong ''. 
In XXXX of XXXX I sent them yet another certified letter, the same as previously, and this time they responded by sending me 2 pages. One was an amount, not a bill - not in compliance with the Fair Debt Collection Practices Act. for {$150.00} and the other was a duplicate bill of the {$150.00} but now they crossed it out and put in {$250.00}. 
In XXXX of XXXX I received a letter from my US Senators Office directing me to ( a ) sign the papers enclosed so that they would advocate on my behalf for privacy matters and ( b ) file a formal complaint with you all. 
From XXXX of XXXX through the writing of this complaint, is XX/XX/XXXX, I have had to dedicate my time to my health. 
It is WRONG what they have done to me and a simple " internet search '' shows thousands of others have gone through what I have. 
They never proved the debt. They never proved I owe {$1500.00}. The only thing they sent was a bill for {$150.00}. This is a matter of principle and I do not want to leave this earth with this hanging over my head. 
PLEASE HELP ME and have them remove this from my credit files and issue an apology to me and be kept from ever harassing me again. 
Thank you 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 2020-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
My husband paid the total amount for the services on the day of my XXXX. We never agreed nor expected more bills to show up in the mail box.

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 2020-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
It wont let me connect my bank to anything its very inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to give invalid or incorrect data on my credit report. 
Example, last month I had a credit score and this month they removed my credit score. 
I have had several collection accounts deleted from my credit profile instead of my credit score increases to acknowledge the paid account Experian removes the account thereby not acknowledging the accounts as being paid. 
I had a {$18000.00} account that was paid and instead of them showing the account as being paid they closed the account. 

I would like my credit score adjusted to show the paid accounts and the 3 credit card accounts that are opened with a low balance. 

I would like to remind Experian of the following lawsuit listed below. I have been in contact with the attorney that represented the plaintiff listed below and if this matter is not resolved in the next 30 days I will not hesitate to pursue legal action. 

XXXX, Ore. -- A federal jury in Oregon has awarded {$18.00} XXXX to a woman who spent two years unsuccessfully trying to get XXXX  XXXX XXXX to fix major mistakes on her 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 2020-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have a Banana Republic Card through Syncrony Bank that I rarely use. I recently paid the bill in full but making the payment was almost impossible. I tried to pay it online but it would not let me login. I tried to recover my account information online, it would not let me do that. I then had to call to make the payment after trying to pay online for several days. I made the payment in full and the amount was applied in time to the account however I am not being charged yet another bill though the last payment was made in full. I can not login online to recover my account and view my bill and the IVR system has made it extremely difficult to recover my account when I call.

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 2020-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Contacted Kohls to set up payment assistance during covid pandemic in advance so as to ensure there were no surprising on my end with the understanding I could potentially be out of work for months. Company was offering two months they said they applied everything was good to go and I would have nothing to worry about. 


About 3 weeks later I get another bill and the original is still reflecting online as due plus a late fee. They said dont worry at all the system is very overwhelmed the re made a mistake I put it wrong and we would get it fixed. I left it alone then i received a 30 day delinquency on my credit. At this point Im fuming I call again again not one not teo but three people say the same thing your account is notated it is very obvious no payment is due rest assured you will be covered and any derogative rerouting will be fixed we are just in high demand. They said there appeared to still be some thing submitted in error so they were going to escalate to get rectified and they would add an additional month if need be for all of the massive inconvenience and many errors I agreed provided it was rectified expediently I again get a delinquent notice again I have to waste a hours calling in waiting on hold just to ask the exact same things. This time they say a deletion letter was sent to the credit bureaus on XX/XX/XXXX and it should be rectified timely. I keep in touch with the execs at the credit bureaus 3 weeks later no change I call Kohls back they say couple more days. Call back again they say letter was sent to my home I say ok Ill use that as proof open the letter and when I thought they could not get any more rediculous with the service and errors the letter says sorry everything is accurate thanks for being a customer. 

I have over 21 call logs, 8 letters, 2 certified and 4 emails that clearly show that not only should this account have been enrolled in this coverage and it was requested many times over and confirmed to have been the case I also have never been 30 days late ever. I changed the due date with you and you XXXX  that up and still reporting as such to this day and now this. Because I had two credit lines decreased as a direct result of this account and this error has caused me significant financial and moral distress I dont appreciate i didnt go out of my way to put in all the effort to get XXXX  over be told its being rectified for months repeatedly and then receive a letter that states it accurate no scam artists it is not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$2100.00}, {$5500.00}, {$2200.00}, {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my 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 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$2100.00}, {$5500.00}, {$2200.00}, {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my 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 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$2100.00}, {$5500.00}, {$2200.00}, {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
Account was disputed on my credit report and removed. I wasnt notified that the account was going to be put back on my credit report. It was put back on my report. I disputed it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Account was disputed on my credit report and removed. I wasnt notified that the account was going to be put back on my credit report. It was put back on my report. I disputed it again.

Company response to consumer: Closed with explanation