vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-07 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: Nudelman, Klemm & Golub, P.C.
State: FL

Complaint narrative:
on XX/XX/XXXX XXXX XXXX credit card collection agency-NKG settled the debit owed by me along with my lawyer to {$12000.00}. see attached settlement letter. 
Since then I have regularly paid the said amount to the debit collector. later this debit collection was taken over by XXXX XXXX XXXX firm. The payments were made to this debit collector. The final payment was made on XX/XX/XXXX XXXX a total amount of {$12.00}, XXXX was paid to the debit collector ( see attached bill payment statement from XXXX XXXX XXXX ). I have paid an excess of  {$80.00}. since XX/XX/XXXX after the final payment was made i called NKG office many times and requested a zero balance letter, refund of my excess payamnet, and report to credit bureaus as fully paid. NONE OF THIS HAPPENED FOR THE PAST MONTHS. I have called NKG debit collector and emailed them several times more than 20 times with the attached settlement agreement sent by NKG and the total amount of payment made to the new debit collector. 

XXXX sent me a credit report which states that there is one negative report on my report. I disputed it with XXXX. but they came back with the same resolution that I still owe {$3700.00} as of XX/XX/XXXX. THIS IS INCORRECT. XXXX XXXX CC IS ROGUISH FINANCIAL COMPANY THAT PREYS ON POOR PEOPLE AND MAKE UP FRADULENT CHARGES. THEY MUST BE TAKEN TO TASK AND MADE TO PAYBACK MY EXCESS PAYMENT, and fix my credit report immediately. 

I am applying for a home mortgage to refinance my home which is going under foreclosure. but this negative report and dishonest loan balance reported by XXXX XXXX is severely affecting my mortgage loan application. 

I humbly request the CFPB staff to take immediate action and order XXXX XXXX to remove the inaccurate credit reporting. 

see attached files from XXXX  report on XXXX XXXX CC and supporting evidence that I have paid the loan as per settlement agreement. 
XXXX one must report as XXXX balance. 

thank you for your help and prompt action. I am very grateful that our government has created agencies like you to help citizens from predators. 

thankyou XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-07-07 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: ID Analytics, Inc.
State: AZ

Complaint narrative:
The issue is with a company called XXXX XXXX XXXX. This seems to be a new credit reporting agency. This company have incorrectly reported my credit score. I was in able to get a new Car Loan because of XXXX XXXX. 
I have read the reviews about the company and it seems every consumer has the same complaints. 
-credit score 200 points lower than the major agencies.

-no one is ever in the office -getting the actual report from XXXX is impossible.

I want to know WHY these people are even involved in my credit report.

The website says they are an XXXX Company. So then XXXX needs to be the only company reporting my credit history. I want XXXX XXXX to STOP reporting my credit and score immediately!!!

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 2018-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
request denied on XX/XX/XXXX by navient, I have balance of XXXX to pay I told them I can't they are not willing to help they say I have opened one credit card or excuses such as you cosigner didn't respond last year when I was approved for a year to pay XXXX a mont ratter than XXXX per month only because I threaten to sue them and told them I just won't pay now they give run around and tell me that I am denied I can't afford XXXX per month please help me or students like me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I was charged a {$35.00} fee for a {$6.00} charge that should not have went through. This is ridiculous. TD Bank should not charge a fee for this ridiculously small charge. This charge was only XXXX!!! If the charge is under {$10.00} there should not be a fee. Period. Under $ XXXX-no fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-07 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: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I had an installment loan with Atlas Credit Company , Inc that was opened on XX/XX/XXXX for {$550.00} with monthly payments of {$64.00}. This account was settled and paid as agreed in XX/XX/XXXX. On XX/XX/XXXX Atlas Credit Company falsely reported an account with their remarks " included in bankruptcy- acct closed due to refinance '' remarks that account is included in bankruptcy is inaccurate because I have never filed bankruptcy as it clearly will show in my credit file. The account that I had with Atlas Credit Co. was paid in full as of XX/XX/XXXX and has a XXXX balance. I contacted Atlas Credit on XX/XX/XXXX XXXX XXXX and spoke with XXXX XXXX, CFO for company about this and he disclosed to me there was an error with their reporting system and the company was currently working on getting it corrected. I filed a dispute XXXX XXXX and XX/XX/XXXX and the investigation results are the account was verified as accurate by Atlas Credit and remains in credit file. On XX/XX/XXXX I emailed XXXX XXXX regarding dispute investigation results. He sent me an email with the attached PDF for the Correction Form that was submitted to XXXX & XXXX on XX/XX/XXXX after the issue was resolved with the reporting company and he said Once this form is submitted to the bureaus, it is then on the bureaus to properly update their records to match our correction form. The account is showing that I have filed bankruptcy and is showing an adverse delinquent account. I have given both XXXX and XXXX XXXX more then enough time to get this corrected and it has yet been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
so here we are again, for the 10th time and several years running that experian REFUSES to fix a fraudulent entry in my credit report. a few months ago filed the 9th complaint with the CFPB against EXPERIAN and EXPERIAN comes back with another lying XXXX   excuse why they are not doing anything. this latest excuse is that the credit card company cant get a hold of me so EXPERIAN will not change the fraudulent record.

here are the facts AGAIN. someone took out a XXXX card in my name FRAUDULENTLY. for years i have provided proof that the XXXX   card was not taken out by me, was not used by me, was taken out by the criminal that filled out the form, that was used by that same criminal. all of this has been proven with the documentation - event providing WHO committed the crimes. XXXX  and XXXX, with this proof, have removed the fraudulent record from my credit report. but given lie after lie after lie, experian refuses.

it is NOT my responsibility to chase down XXXX or anyone else to remove what is in EXPERIAN 'S records. what if discover ceased to exist? how then would the invalid record be removed.

i have demonstrated now so many times that a fraud was committed and that EXPERIAN is perpetuating the fraud and that it refuses, UNLIKE THE OTHER TWO AGENCIES, to remove the fraudulent record so EXPERIAN is also guilty of 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 2018-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I checked my credit report and noticed an account from a company called XXXX XXXX. I do not know what this company is and have no debt with this company. I tried contacting the collection company and was rudely threatened being sued if I didnt pay the balance owed, yet they would not provide any information about the debt and where it originated. The debt does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
i cancelled my service after my one year term, the XXXX phone company continued to try to charge me for services. i had already moved my service to a different carrier, and after about 4 months they continued to try to collect money that they say i owed, after a while i couldnt believe that they now say i owe over 900.00 for a phone bill. i have tried many times to reason with them, but now the collection agency continues to harrass me, and threaten me with law suites, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX  ( XXXX  ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07 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 — Problem with personal statement of dispute
Company: General Information Services, Inc
State: TX

Complaint narrative:
I ' XXXX XXXX XXXX in Statement Say.. I am a Victim of Identity Theft. 

Explaining and Stating ' that Identity Theft Victims have additional Rights ' as States ', Local Consumer Protection Agencies, as well as ' the State Attorney Generals Office may enforce ' their own State Laws ' and Federal Rights Laws ' of Consumer Reporting. 

Compliant ' In ' the Request for the Removal of Background Information upon ' XXXX XXXX XXXX  Investigation of Inaccurate Information of Identity Theft since ' XX/XX/XXXX. 

Type of Problem ' as the CFPB brought Data Issues of concerns of Identity Theft for Investigation to my attention in XXXX. 

What Happened ' was Cause for an FTC Affidavit that was submitted to a number of Speciality Reporting Agencies regarding the Inaccurate Information in the continuing concerns of ( ID Theft ) since ' XX/XX/XXXX. 

What Company ' XXXX XXXX XXXX XXXX ( Phased-Out ) Who is Involved ' XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover credit card asked me to send a physical copy of my social security number despite me having uploaded it a clearly legible one online. They closed my account when I did not send it. They didnt explain why they need multiple copies. 
They are also keeping the digital copy of my social security card on their servers for 5 years, despite having closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Id like to dispute a late mortgage payment from XX/XX/2015, a XXXX card and XXXX   card all from the end of XX/XX/2015.

I made these payments through the Bank of America portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact Bank of America and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure Bank of America records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX but I would like to have these marks corrected.

Thank you

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 2018-07-07 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: Fenton & McGarvey Law Firm, P.S.C.
State: FL

Complaint narrative:
on XX/XX/XXXX XXXX XXXX credit card collection agency-XXXX settled the debit owed by me along with my lawyer to {$12000.00}. see attached settlement letter. Since then I have regularly paid the said amount to the debit collector. later this debit collection was taken over by Fenton McGarvey Law firm. The payments were made to this debit collector. The final payment was made on XX/XX/XXXX. a total amount of {$12.00}, XXXX  was paid to the debit collector ( see attached bill payment statement from XXXX XXXX XXXX ). I have paid an excess of {$80.00}. since XX/XX/XXXX after the final payment was made i called XXXX office many times and requested a XXXX balance letter, refund of my excess payment, and report to credit bureaus as fully paid. NONE OF THIS HAPPENED FOR THE PAST MONTHS. I have called XXXX debit collector and emailed XXXX  and Fenton Mcgarvey several times more than 20 times with the attached settlement agreement sent by XXXX  and the total amount of payment made to the new debit collector. See attachment of email from me and my attorney. XXXX sent me a credit report which states that there is one negative report on my report. I disputed it with XXXX. but they came back with the same resolution that I still owe {$3700.00} as of XX/XX/XXXX. THIS IS INCORRECT. XXXX XXXX CC IS ROGUISH FINANCIAL COMPANY THAT PREYS ON POOR PEOPLE AND MAKE UP FRADULENT CHARGES. THEY MUST BE TAKEN TO TASK AND MADE TO PAYBACK MY EXCESS PAYMENT, and fix my credit report immediately. I am applying for a home mortgage to refinance my home which is going under foreclosure. but this negative report and dishonest loan balance reported by XXXX XXXX is severely affecting my mortgage loan application. I humbly request the CFPB staff to take immediate action and order XXXX XXXX to remove the inaccurate credit reporting. see attached files from XXXX  report on XXXX XXXX CC and supporting evidence that I have paid the loan as per settlement agreement.

XXXX XXXX must report as XXXX balance. thank you for your help and prompt action. I am very grateful that our government has created agencies like you to help citizens from predators. thankyou XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Alert Type : New Inquiry Processed Date :XX/XX/XXXX Inquirer 's Name : XXXX   Phone : ( XXXX ) XXXX Type of Industry : National Credit Cards/Airlines Address : XXXX XXXX XXXX XXXX XXXX FL XXXX I went to my XXXX Credit reporting portal to discover that there was a hard inquiry on my report that i did not authorize. I called XXXX XXXXXX/XX/XXXX XXXX to inquire why they preformed a credit inquiry, the rude agent advised me that they don't deal with XXXX and that i would have to call XXXX to dispute?? I advised her that the inquire came from XXXX XXXX not XXXX. She repeated over and over I have to call XXXX to dispute the inquiry.

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 2018-07-07 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: FL

Complaint narrative:
My equifax credit report shows a hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/2018 which i do not recognize. I have paced a fraud protection watch through equifax. There is no contact information for the company checking the report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There was a collection account on my Equifax report that did not belong to me. This same collection account was found on my XXXX  report and I was able to have it successfully removed from XXXX. I submitted a dispute with Equifax online and received an email on the XX/XX/2018 saying that my dispute was completed and directed me to view the results of the dispute via their website. However, the form for viewing the results has repeatedly not allowed me access to the results so I have not seen them. Additionally, the email states that if I do not access the results within 30 days they may become unviewable. I attempted to contact Equifax by phone multiple times with no success as I've yet to be referred to a live person. The phone line simply refers me back to the website which does not work properly. I am requesting assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Amerihome is showing my loan is missing a payment. When the loan first started with Amerihome, XX/XX/XXXX they sent me correspondence to show the start date was actually XXXX. Amerihome ( after several frustrating countless phone calls ) kept my 1st payment in a suspense account and later applied it to the XX/XX/XXXX payment. Months have gone by, no issue with the payment. Now 3 months later, Amerihome is stating I am behind a payment from the start date.

Every time I speak to someone at the office I receive a different answer. No resolution. I do not want to be in default nor be reported to the credit agencies for being late. I am not late. Their records are incorrect. It has been nothing but issues since the start of servicing ( 4 months ). There are 5 " misapplication reversals '' ( see attached ) since the start of the loan. It is always promised that a supervisor will call me within 24 hours to follow up and that has never happened. I can not get a straight answer from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Id like to dispute a late mortgage payment from XX/XX/2015, a chase card and XXXX   card all from the end of XX/XX/2015.

I made these payments through the XXXX XXXX XXXX   portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact XXXX XXXX XXXX and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure XXXX XXXX XXXX records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX but I would like to have these marks corrected.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: MA

Complaint narrative:
Id like to dispute a late mortgage payment from XX/XX/XXXX, a XXXX card and XXXX   card all from the end of XX/XX/XXXX.

I made these payments through the XXXX XXXX XXXX   portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact XXXX XXXX XXXX  and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure XXXX XXXX XXXX records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX but I would like to have these marks corrected.

Thank you

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 2018-07-07 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: MA

Complaint narrative:
Id like to dispute a late mortgage payment from XX/XX/2015, a XXXX card and XXXX   card all from the end of XX/XX/XXXX.

I made these payments through the XXXX XXXX XXXX   portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact XXXX XXXX XXXX and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure XXXX XXXX XXXX  records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX  but I would like to have these marks corrected.

Thank you

Company response to consumer: Closed with explanation