vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-12 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: Seterus, Inc.
State: FL

Complaint narrative:
We are almost about to lose our house due to their inaccurate reporting. 

We have disputed many many times with them and no results. We have confirmed Dispute Results that state the will remove the Items yet they still show up. I will attach the letters. 

Inquiries that are not ours either. We found out we were victims of the XXXX Data Breach. This has cost my family grate harm and we are about to lose everything now. WE have never missed a payment and our fixed debt is outrageous. We will be forced to file bankruptcy and sue them if this doesn't get corrected by early next week. 

We are trying to get funding so we can pay our Credit Card Debt off and we are unable to do so. 

XXXX is reporting outdated info Seterus bought the debt and is reporting dates wrong and outdated information. 
All of which are aware. We have a recorded conversation with a XXXX Executive stating she didn't even have copies of our paperwork. Yet they have verified it as accurate 3 or 4  times? That is a Clear Violation. 

XXXX is an inquiry not authorized XXXX XXXX and XXXX as well. 
XXXX sent us a letter stating that it was fraud and they wouldn't even open it for them. I sent that it to the agencies and nothing!

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 2018-10-12 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This account is being sold over and over again. Different collection companies that can not provide the original contract or correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
Credit report states that account was open XX/XX/2018. The status of the account says it is still open. I have no knowledge of this account and no knowledge of the collection company " COAST PROFESSIONAL ". I never received any notice through mail, email, or phone about this debt. I would like to address this immediately and ideally, have the negative remark removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
In late XX/XX/XXXX I called into Dept of ED/Navient customer service line and requested to have my account put into a deference. At which time the woman I was speaking to informed me that it would not be an issue and everything was good to go. So until three days ago when i acquired a copy of my transunion credit report and saw that I had 5 late payments reported for the month of XX/XX/XXXX because I have 5 different student loans. This had immediately dropped my score down over 40 points!!! So i called Navient and tried to explain the issue and the representative just kept insisting that I was at fault because they reached out multiple times and were unable to reach me but when I asked what email address they had he gave me one that wasn't even mine!!! So i politely told him the correct address and then he stated there was no recourse for me to appeal. I'm just dumbfounded at the negligence and unbelievable arrogance that these people seemed to act towards me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: CA

Complaint narrative:
Credit report states this account was open XX/XX/2016. The account status is still open. I didn't receive any notification of this debt by phone, mail or email. I noticed this account was being marked as I had " missed payments ''. I am doing my due diligence to work with the creditor " GRANITE STATE MGMT - DIR '' to pay my monthly payments on time but I am still concerned about the negative remarks on my credit report saying I have missed payments. The negative remarks are affecting two seperate accounts, coming from the same creditor " GRANITE STATE MGMT - DIR ''. One balance is {$4500.00} and the other account balance is {$2100.00}.

I would like to address this immediately and ideally, have the " missed payment '' negative remarks removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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:
CFPB, kindly speed up the process in reversing the late payments that were reported on some of the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX..I addressed the issue with the credit bureaus but they were unable to fix it. The error is keeping me from moving forward on buying a car

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
For the last 12 months or so, I have noticed theres clearly fraud happening with my account, charge I dont recognize, purchases, you name it. I have filed multiple claims and changed cards multiple times and even changed my checking account information. 

I DO NOT give my card to anyone, but in restaurants and the ocasional online purchases. Im 100 % sure I have been victim or fraud and someone is literally picking me to steal. 

The drop that spilled the milk was that theres was a {$21.00} and change charge coming in every month for 6 months that even caused overdrafts a couple of times. I didnt noticed, Im a busy single mom of XXXX that works her XXXX off to put food on their table. So when I noticed what was going on I called the Regions Bank and explained, we cancelled the card and they advised they filed the dispute. But I also called the company charging me and told them to stop and to give me my money back. They said theyll give me a refund for all charges, but they stated that the card needed to be updated for that to happened, so I naively followed their steps and updated my card on their system so they coul refund the money as it turns out the very next day I get another charge, then 2 days later they refunded 2 amounts of {$29.00} each. I didnt know where they got that amount from, but after I saw I printed the statements and realized they charged that amount once too. 

So I decided to call the bank and explain just to find out they denied the claim, then I called the company again and conferenced them in to each other, just to hear them say they never cancelled anything ... How if asking you to refund me, you didnt close whatever I didnt know it was open? Thats why supposedly I got charged after updating my card on their system. The bank lady filed another claim and the dude finally closed whatever was open. 

They said that if it wasnt me, how my email was in there? I literally said, I dont know, how is your information fitting in? I dont know either! 

But Im just tired of being robbed! 

Please help.

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 2018-10-12 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:
CFPB, kindly speed up the process in reversing the late payments that were reported on some of the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX..I addressed the issue with the credit bureaus but they were unable to fix it. The error is keeping me from moving forward on buying a car

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 2018-10-12 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:
CFPB, kindly speed up the process in reversing the late payments that were reported on some of the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX..I addressed the issue with the credit bureaus but they were unable to fix it. The error is keeping me from moving forward on buying a car

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 2018-10-12 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX  ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I have made an agreement with this debt collection billing company to pay off my debt. I have sent them a letter asking them to REMOVE my negative debt once it is paid off. It has been TWO months since I've recieved an answer. This is a basic right. I would like you guys to contact them and have them get this done. Please. 

I have made and agreement every XXXX and XXXX if the month I will pay XXXX $ for the exchange of this being removed from my credit. On XX/XX/XXXX, they accepted my offer. My last payment was made today XX/XX/2018. I am referring to XXXX. It also states on XXXX i owe XXXX but on their website where i make my payment it says XXXX. I want my money back if they are stealing from me. Please resolve this. This is fraud on their end. Thats a XXXX $ difference in my pocket. 

File Number : XXXX Creditor : CAVALRY SPV I , LLC, AS ASSIGNEE OF XXXX XXXX XXXX XXXX 
Total Due : {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: On-Site Manager, Inc.
State: NV

Complaint narrative:
They erroneously reported two evictions and a judgment against us, resulting in us getting denied an urgently needed apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Recently signed up for an XXXX store card. However, I was enrolled in a card security program that charges 1.6 % of your monthly balance, without any indication of it during the credit card enrollment process. The only notice I was sent was an email with the notice that I can cancep anytime, without anything telling me how to cancel. If I didn't check my email often, I would have never known I was enrolled in the program. Extremely unfair practice. I was happy using XXXX, now I will pay off my balance immediately and simply use my XXXX  card.

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 2018-10-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/2018 I received a letter from American Express Consumer Care, Fraud Department, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX after applying for the XXXX XXXX XXXX from American Express Credit Card.

The letter states, " In order to continue processing your application, please supply the following information : Your home address. Please provide a letter from your bank confirming your home address. To ensure timely resolution, please ensure the letter is on original letterhead from the bank and contains the following : *The banker 's name, title, hours of availability and signature. *Confirmation of your home address *Main number to the bank branch *An extension or personal line to the banker when applicable. '' It also states, " This information is essential to your protection as well as our records ... Please include reference number XXXX. '' I called the fraud department and was unable to get any details about why my application was immediately sent to the fraud department. I informed XXXX, Fraud Department Customer Care, ID number XXXX, that his request was a violation of the Patriot Act, Privacy Act, to have a 3rd party who doesn't even know me verify my address. I asked why his company didn't just request a Drivers License or bank statement. His only reply was " other bank 's write them, try a different bank. '' This letter request is a violation of my privacy, and I have the right to know why my application went directly to a Fraud Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: NC

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX XXXX XXXX for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Please know this is a formal complaint. I am writing you because of my sheer disgust in how I am being cheated by XXXX  XXXX. It is my hope that someone here in the US can get this matter under control now. When I purchased the car In XX/XX/XXXX I was supposed to begin payments in XX/XX/XXXX, statements attached. However, I started to pay in XX/XX/XXXX. My payments are due on the XXXX of each month and late payment charges are which are only about XXXX are not to begin until the XXXX day after the due date. I have paid more than the amount I was supposed to pay each month but, yet I keep getting charged a XXXX late fee. I dont owe a late fee and the late charges are not XXXX per month. I need someone to straighten this out before I make another payment. I called to complain over and over finally, a XXXX in your escalation department somehow got the late chare taken off for XXXX only to be placed on my account for the XX/XX/XXXX due date. This is ridiculous. Also, I dont know what country your representatives are in, but I can tell you they are liars and they are rude. Again, with the escalation department I spoke to a woman who said her name was XXXX on XX/XX/XXXX, she just kept repeating that I owe a XXXX late charge and I kept telling her I did not. When I asked to speak to someone in the US she told me that the US office did not have the power she had, but that she would put me through to the US office. She placed me on hold and never came back. I am not paying a XXXX late charge I dont owe. Before I report this to the XXXX, please have this straightened out and the funds I have paid to your company appropriately placed to 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 2018-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-12 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: IL

Complaint narrative:
I am only having this issue with Equifax. I have filed disputes to no prevail. Currently, Equifax is reporting an extensive number of accounts on my report and only 3 accounts with XXXX  bank belong with me. XXXX fraud has verified that my SSN is not being used for other credit cards and has contacted Equifax to remove the wrong accounts and they haven't done so. During my first account dispute, Equifax removed several accounts, but then added more that still aren't mine. I've also called several of the companies, the main being a mortgage company that is on my file to verify if my information was used, and they confirmed that my SSN was never used to open accounts. Equifax also has previous addresses listed on my file where I have never lived. I have lived at the same address since I was XXXX years old. 

XXXX, and XXXX are both reporting my open, closed, and hard inquiries correctly. Equifax is only reporting my 3 open XXXX cards ( after contacted by XXXX ), and one recent hard inquiry. The rest of the accounts and inquiries do not belong to me. I have been in contact with Equifax since XXXX trying to correct the issue and I have had no luck I have files 6 disputes with Equifax and I have not gotten anywhere. I will provide any and all information needed to rectify this issue. Please help.

Company response to consumer: Closed with non-monetary relief