vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Back in  XXXX  o f 2016    XXXX   XXXX   posted negative information on my credit history. I disputed with  XXXX  and the other  XXXX  credit reporting agency on  XXXX   XXXX ,   XXXX  , and the negative information was removed from my account on  XXXX   XXXX ,   XXXX  .  XXXX  gave me a confirmation #  XXXX  after deleting the negative information.   Aft er one ye ar the same negative information reappeared under different collection agen cy (   XXXX   XXXX   XXXX   ).   XXXX  did not send me any letter and did not help me remove the negative information. The amount in dispute is {$170.00}. All the credit agency also have many wrong addresses on my file. I was told I can not do it online but I have to call them. When I call the number provided, they phone keeps disconnecting and unable to reach a customer service rap. I never lived at  1  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Colorado  XXXX  2 )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX   XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  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 2017-05-29 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Back in  XXXX  of  2016    XXXX   XXXX   posted negative information on my credit history. I disputed with  XXXX  and the other  XXXX  credit reporting agency on  XXXX   XXXX ,   XXXX  , and the negative information was removed from my account on  XXXX   XXXX ,   XXXX  . Equifax gave me a confirmation #  XXXX  after deleting the negative information.   After  one  year the same negative information reappeared under different collection agen cy (   XXXX   XXXX   XXXX   ).   XXXX  did not send me any letter and did not help me remove the negative information. The amount in dispute is {$170.00}. All the credit agency also have many wrong addresses on my file. I was told I can not do it online but I have to call them. When I call the number provided, they phone keeps disconnecting and unable to reach a customer service rap. I never liv ed at 1  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Colorado  XXXX  2 )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX   3 )   XXXX   XXXX   XXXX   XXXX   XXXX  CO  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 2017-05-29 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: TX

Complaint narrative:
On XXXX XXXX, 2017 I sent a two dispute letters to Transunion for XXXX XXXX ( Account # s XXXX & Account # XXXX ). I received a response for Account # XXXX on X/XX/2017. I did not receive a response for Account # XXXX and the disputed item has not been addressed or responded to at all. I sent XXXX additional dispute letters on XXXX XXXX, 2017 for XXXX XXXX ( Account # XXXX & Account # XXXX ) this time by registered mail that were received on XXXX XXXX & XXXX, 2017 see USPS Tracking receipt attached. In the letter for Account # XXXX I noted that my dispute had not been address and requested that the item to be deleted for inaccurate reporting. On XX/XX/2017 Transunion responded that Account # XXXX had been updated. However, again I did not receive a response from Transunion regarding Account # XXXX, nor have any corrections or updates been made on my report. Its now been over 38 days since the receipt by Transunion of my 2nd dispute letter request for XXXX XXXX Account # XXXX ( sent by registered mail ). Ive yet to receive a response from Transunion or have any corrections or updates been made to my XXXX XXXX Account # XXXX. Based on the rules of the Fair Credit Reporting Act, Im requesting that XXXX XXXX Account # XXXX be DELETED.

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 2017-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
Conserve collection popped up on my credit report early  XXXX . I tried calling the company but could n't discuss the account with anyone as they claimed they could n't discuss the account with me unless I verified my social, I refused to verify my social because I gave them an account number and according to FCRA rules that is the only information necessary when consumer are asking about an alleged debt. The representative go on to repeat my birthday, which was inaccurate and kept trying to get me to give her my social. I kept repeating I needed proof of the debt baring my signature and the representative kept asking for my social. I asked fo r a manager because absolutely NOTHING about this debt for conserve has come to my house. The manager infor ms me the original debt is through  XXXX  University. I explained I had gone through this with  XXXX  before in court and it was proven the debt was n't fine as I 've never attending  XXXX  and they  XXXX  and closed out my account with them. I informed Conserve they purchased a bad debt as I never owed the original creditor for them to sell the account, the manager then told me they needed to recover their money and tried to negotiate a settlement. At that point I asked again for proof with my signature that I owed Conserve ( as they are reporting  it ) & n ot  XXXX  ( whom it has been proven I do n't owe in court ). The manager then hung up in my face. I sent a request in writing for proof that I owed Conserve and received a bill for   XXXX    not anything with my signature confirming I owe Conserve! They just placed this debt on my credit without giving me the opportunity to defend myself nor do they have proof to that their reporting is legal in accordance to FCRA rules. Since they do n't have my signature showing I owe them please delete it from all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I just have a problem, with the XXXX XXXX report still showing a court report, there 's no longer a court issue because I been paying on it through XXXX XXXX XXXX, please remove that off my credit report, it makes my credit look bad, and I 'm really trying to improve my credit, I have been in good standing with paying my bills and will continue to do so, please remove that court mis information from my report, I have mobed on to doing better

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 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: NJ

Complaint narrative:
Unauthorized inquiry by   XXXX   for credit card on  X/XX/2016   ,  X/XX/2016   , and  X/XX/2016   . Reported to  XXXX   X/XX/2016    as fraudulent and requested investigation/close acct. Received letter on  XX/XX/2016     XXXX  resolved in my favor and they notified  XXXX ,  XXXX , and Transunion by letter to remove acct. On  XX/XX/2016    I requested 90 day fraud alert to Transunion. Both  XXXX  and  XXXX  have removed   XXXX   acct and hard credit inquiry in timely manner. Transunion has removed only the  XXXX  acct, NOT the  XXXX   (   XXXX   ) har d inquiries.   I have requested several times and Transunion states it has been removed. All credit reports I have STILL show this information. This has an impact on my ability to raise m y credit score. I  have documentation to prove my complaint.

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 2017-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover does not provide adequate access to loan information for their borrowers, including important agreements to the terms of their loans. The loan statements are intentionally misleading and represent inaccurate interest calculations. My private student loans were bought by Discover from XXXX XXXX for an initial principle of {$34000.00} which is the combined total of XXXX ( XXXX ) different variable rate loans. The monthly statements indicate the principle balance, interest rates, and loan balance ( principle + interest ). However, when you calculate the interest rate based on the principle loan amount the loan balance indicates a significantly higher amount, misleading consumers that Discover 's arithmetic is inaccurate. When I called Discover student loans regarding this dependency, I was told that it is due to what they call " Capitalization '', which I was told by the representative is essentially a compounding, or double charged interested to my principle. This type of action would be in violation to the terms of my loan. When I pressed the representative on this issue, she decided to transfer me to someone else ( XXXX ) who was in what she called a " Specialty Department ''. After asking what this specialty department was, I was told that was a misrepresentation and he was just the acting supervisor. He later explained that what the previous representative said regarding compounding interest and double charged interest was not technically accurate. He began to tell me that it was something that most borrowers do n't think of or know they are agreeing to most of the time and agreed verbally that this was an underhanded practice. XXXX informed me that I agreed to all of this in my " Promissory Note '', which I do not have access to. Discover purchased my loans from XXXX XXXX in XXXX, however, Discover only gives me access to statements dating back to XX/XX/XXXX. So in short, my complaint is Discover 's lack of loan information, misleading or incomplete information on loan statements, and misleading information by representatives in customer service. It is clear that Discover Student Loans have not made the necessary improvements since the ruling of their XXXX class action lawsuit charging them with similar sloppy, misleading business practices. When will student borrowers get the protection they need from these crooked student dept holders??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection
State: PA

Complaint narrative:
I had service with   XXXX    XXXX  and I stopped paying because I wanted to cancel my service and they were not willing to cancel my service. So, before  XXXX  I stopped paying. I did not pay any service to  XXXX   XXXX  ; so, basically that would be called the delinquency date. I found out that I had a collection with a delinquency date of  XXXX ,  XXXX  which I dispute since that delinquency is not correct because I stopped paying before  XXXX .     Perfection Collection responded by "  XXXX , The delinquency date we were provided when we purchased the account is  XX/XX/XXXX . We are willing to settle this account for 50 % of the balance owed. Once settled, we will delete this account from the credit bureaus in it 's entirety. '' So basically they are saying that they purchased the account and the delinquency date is  XX/XX/XXXX . So they say they are not responsible for providing a false delinquency date. This is not acceptable

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 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: AES/PHEAA
State: CA

Complaint narrative:
I had scholarship with   XXXX   university, earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
First contact was made on  X/XX/17    gentlemen informs me I have an outstanding balance on a loan. I inform the individual that I 'm not aware of a loan and would like to see a promissory note of some sort. The individual became rude, condescending and refused to provide evidence that I was ever responsible for the loan. So I informed the gentleman that I would not make any arrangements until proof could be provided. The gentleman then began making claims that they would proceed with legal action and verifying my employment. I then reinforced that no arrangement would be made and then asked that all communications cease. Since I have received calls on  X/XX/17   ,  X/XX/17   , and  X/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I had communicated with Capita l One 's executive  office (  XXXX  ) a couple weeks ago and they called me before  XXXX    XXXX   today, violating FDCPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I noticed that both credit cards what use to be a fixed interest credit card from Capital One Bank changed to a variable rate card my interest rate went up from 17 % on the Mastercard to over 20 % and the Visa Card went up from 17 % to over 18 %. I have never missed a payment nor have I been late with a payment matter fact I have always paid more that the listed minimum payment. The Mastercard was through XXXX but Capital One Bank bought them both. I called them on Saturday the XXXX of XXXX 2017 and that 's when I was informed that my cards were variable rates of interest. I have n't received anything stating that my cards were variable they could have called me on the phone ( they do have that on file ) mailed me ( which all I get is statements ) or emailed me but nothing at all was sent to me on this issue. I do have the emails sent to me telling me that my payment is due and when I pay it online I get a email from them telling me that my payment has posted. Capitol One Bank most likely close my account over this or raise my interest rates over this complaint but they will just lose a customer for ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES
State: CA

Complaint narrative:
I reported to Great Lakes Borrowers Services, multiple times that I fraudulently received my federal financial aid, which is a felony. I documented the issues, wrote & called, called back, emailed, asked the information be added to my file, requested that they act on the information. They have done nothing to date to assist me for almost two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Because they are unable to correct the issue with me being able to update and review my credit report, and also to receive my updated Score that I pay a monthly subscription for, Equifax has decided to send me a letter stating that since they are unable to remedy the situation that they are canceling my subscription. I am unable to access my report which is a violation, and it does not update anywhere else like  XXXX   XXXX ,  XXXX  or anywhere else. And when I apply for credit the creditor does not receive anything on my credit at all, so they deny me! I am  XXXX ! I am trying to review my credit to try to buy a house and will be the turned down because no report from Equifax. They have sent me nothing on trying to resolve the issue. I am still without a updated credit report, and I do n't know what my score is, which I have a right to. Even if they cancel my monitoring service with them, other monitoring services are unable to access my Equifax credit report and score as well. This has been a problem with Equifax for about many weeks now. They act ignorant like they do n't know what 's going on, but several people I know have experienced the same thing and have been declined for credit because of it. This can cause people to get declined for credit, jobs, insurance, and housing, and they need to be accountable ... at least be honest that there 's a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Dear CFPB.   on Saturday    XXXX   XXXX   2017 I  did purchase from macy 's with my macy 's  American express  credit card the cashier told me that I will receive another 20 % with this form which let me sign it and she put the purchase on the new card not on the macy 's card which I swipe it in front of her, when returned home I was checking it I found that she let me sign for opening another macy 's credit card then I called macy 's credit card number they told me to call Monday, when I called today Monda y  X/XX/2017  the cu stomer service told me that she will cancel the new credit card and send me statement of the purchase on the cancel card and she told me I will send you email with this which is as below ; My Question is closing the new macy 's credit card which is open without my permission will affect on m y Credit Score.?    Thank you Sincerely,  XXXX   XXXX  " Dear  XXXX    XXXX    XXXX , Thank you for your recent inquiry regarding your account.   It 's been a pleasure to have you as a customer. As you requested, we closed your account and will report it as closed at your request to the consumer reporting agencies.   Please allow at least 30 days for the consumer reporting agencies to update their files.   Sincerely,  Macy 's Credit C ustomer  Service Card  Member :  XXXX   XXXX   XXXX   XXXX   XXXX  Account ending in :  XXXX  Member since :    2017  The purpose of this Security Zone is to help you verify that the e-mail was indeed sent by  Department Stores National Bank. I f you have questions, please call  XXXX  or the customer service number on the back of your card.   Macy 's Credit Card  XXXX .  XXXX   XXXX   XXXX , OH  XXXX    X/XX/2017 /ACCOUNT_CLOSURE_BALANCE_PL "

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 2017-05-29 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: FL

Complaint narrative:
Equifax has deleted the account  XXXX   XXXX  and then it reappeared the next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 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:
I had scholarship with   XXXX  university , earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get 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