vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-14 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: FL

Complaint narrative:
Made payments. But they marked me late. Have wrong information from another bank on file on my account. Refuse to help me.

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 2017-07-14 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: FL

Complaint narrative:
Made payments. But they marked me late. Have wrong information from another bank on file on my account. Refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Made payments. But they marked me late. Have wrong information from another bank on file on my account. Refuse to help me.

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 2017-07-14 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I have repeatedly asked Equifax to delete this false information from my credit report, reported by XXXX XXXX. They have investigated however the information provided by XXXX is repeatedly inaccurate and is not consistent. They have a delinquency date of XXXX for {$1.00} past due. This account was previously deleted from my account and in XXXX XXXX it appeared on my report as a collection account. I have written and requested XXXX to provide proper documentation showing all payments received as I have disputed the accuracy of their data to Equifax. XXXX has not provided me information or properly reported that information the credit agency. How can a company report past due debt and not report the date of last payment received? The alleged debt has monthly payments of XXXX $ and they reported the amount past due is {$1.00}. This amount would be more if my date of first delinquency was in XXXX. This information is wildly inaccurate. The information is obviously false and has been reported multiple times by XXXX despite several attempts to rectify the situation via Equifax and XXXX. Please has XXXX and Equifx remove this false information from my credit report immediately as it violates the FCRA of reporting inaccurate information. Equifax has failed to properly review the information from their investigation. The information is obviously false down to the dates, reported dates of past due amounts, amounts due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Earlier this year  XXXX   XXXX  was placed on my credit report as a collections account. I immediately disputed it directly with  XXXX   XXXX  through CFPB and the account was removed from my credit files with all  XXXX  credit bureaus and a cease and desist was placed. In  XXXX  of   XXXX   I noticed  XXXX   XXXX  was placed back into my credit file and I did not receive proper notification from the collection agency or credit bureau as required per the FCRA. No notice was given that this was being placed back into my credit file.

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 2017-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: WI

Complaint narrative:
XX/XX/XXXX amount XXXX the company global service called me at XXXX stating that XXXX XXXX is suing me for a loan XXXX dollars that I took out in XXXX they said I paid a check to them and the check was no good. <P/>I never took a loan out to them and they are threaten to sue me for fees and court fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: FL

Complaint narrative:
I continue to receive calls from this lender unknown identity. By nature of  Fair Debt C ollection s Act t hey are to identify who they are and provide full name and reason for the call. I do NOT answer these unknown calls but block and report them to the  Nat Do  Not Call registry and  Block t hem. I spoke to  XXXX  alleged Manager in Collections who did not offer to reverse the fees. They press for advanced payment even though I offered to make a post dated. Finally when I asked for a manager he agreed.

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 2017-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XX/XX/XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX XXXX. I STARTED OR ENROLLED IN XX/XX/XXXX I WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF  SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX XXXX IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XX/XX/XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX XXXX SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS. 5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX XXXX DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XX/XX/XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHSXX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT. 8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XX/XX/XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX XXXX. I STARTED OR ENROLLED IN XX/XX/XXXX I WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX XXXX IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XX/XX/XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX XXXX SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS. 5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX SYSTEM DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XX/XX/XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHS XX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT. 8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: AL

Complaint narrative:
THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX AL. I STARTED OR ENROLLED IN XX/XX/XXXXI WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX XXXX IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX AL SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS. 5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX XXXX DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHS XX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT. 8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made a purchase in Victoria secret with my card and paid it off, because I was triying to avoid late fee. The purchase was of around  XXXX  dollars and they changed me in total  XXXX  dollar in late fee because they returned several payments and did not notify me of the return payment. I was sure that the information I gave was accurate and until today I have no Ideas why they return the payment.   They never notify me that they were changing late fee and other fee and when I already made payments that put a t 0  my balance.   there is an abuse of power in this regards of their fess and how conveniently there are  XXXX  charges so the account is neve r 0  hence need to to play and there is late fee. this is a vicious cycle that allows them to make late fees and other fees.I never had a problem like this with any credit card I had.   I call the center very frustrated with the problem and they did not wanted to tell me what the fee were about and just said your last balance which is not truth.   I find that they are deceiving and praying on people that count on paying they card on time and is not an honest policy to have.   This account also has problems with setup auto debit which I have been trying to setup but it either do not authorize the problem or when I try to do it it is there the option but does n't allow me to change the setting such as the payment info and the day.   Finally conveniently the date that is was due I could not log in but the next day I was able so how curious that that has happened to me several times, and I tried at different times during the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Personal information incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
To whom it may concern : I am writing to address the overdue balance I currently have on my Heloc loan with Santander bank. I had an Heloc loan with Santander in this past in which I paid off in good standings so I have decided to use them again.
I have been faithful in making all my payments on time. I make all my payments online when I receive my statement by mail. Im on a very strict budget with my bills and cost of living. There are no branches located here in XXXX. However, When I moved to XXXX from XXXX XXXX I updated my address with customer service department of Santander. I never received any of my statement to my new address and due to an error on their part. When I called Customer service in XXXX of 2017 their response was that they were missing information on the new address but never call to notify me until I called them on not receiving my billing statement in which we realize at same time that my account has been and currently is locked. At this point I realize that have a different payment amount and it is more than doubled on what I have paid in the past and they are calling me daily on when i going to pay the arrears on the loan.
I have been in contact with the bank several times on this issue and the statements and delinquency letters are still going to the old address at this very moment. I was told by a representative that I had to correct this issue with the branch where I open the account. I have even tried asking them for help by modifying the loan for an easier payment but I was denied.
Although I have made payments towards my loan but because of the new payment amount which is more than doubled along with late fees and penalties because of an error on their part has made it very difficult to catch it up. I cant afford to pay the entire bill at one time. Santander has done nothing to rectify their negligence but compound the problem by destroying my credit history to the credit bureaus and gather more information toward collecting the debt owed.

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 2017-07-14 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Since Experian assigned  XXXX   XXXX  from their consumer affairs department, I can not get any information from experian.com and I am not able to get the Experian annual 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 non-monetary relief
Consumer complaint received 2017-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I filed a dispute with Capital one card about a late payment back in  XXXX  and  XXXX  of  XXXX . I called in  XXXX   XXXX  and wrote a letter in  XXXX   XXXX  after I realized this was listed on my report and asked for it to be removed as I was a victim of fraud with my checking account and had to close account out and it affected making my payments despite the reasonable case that I made, the creditor is acting unreasonably.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
Diversified Consultants  is reporting a collection account on my credit report ( for all   XXXX   credit bureaus ). I have never received any correspondence ( mail, phone or otherwise ) regarding this debt. The collection account reported is showing paid, but I have also never paid any money to this company for a collection account or any other type of payment. I have attempted to contact this company twice via certified mail have not received any response from them VALIDATING this debt.  <P/> The first communication was sent on   XX/XX/XXXX   and was signed for on   XX/XX/XXXX     as proven with  USPS  tracking # :  XXXX . In the letter I kindly requested they send me the documents proving the account they are reporting is mine.   I waited the appropriate 30 days and received no correspondence from  Diversified Consultants.  On day 31 (  XX/XX/XXXX   ) I pulled my credit reports and they had not marked the account disputed per FCRA requirements.   On   XX/XX/XXXX    , I mailed the yet another certified letter which they signed for on   XX/XX/XXXX     as proven with USPS # :  XXXX . In this letter I informed them of their violation of FCRA law and requested again that the debt be validated, sending me copies of documents proving this is in fact, my account.   As of today, there has been no communication from this company regarding the VALIDATION of this debt and why they are reporting it on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A computer glitch that was  Trans Union  's problem not mine caused my inquiries to be deleted from my credit report twice.  Trans Union later added them back on my credit report without giving me the legally required written notice five days  prior to re-adding them. I have contacted  Trans Union  in good faith to remove the inquiries that they had illegally re-added. I have called a total  of three t imes and spoke with different agents who refused to remove the inquiries. I recently spoke with a supervisor name via on  XX/XX/XXXX who stated they will not remove the inquiries. The inquiries have added a hardship and my rights were violated by  Trans Union .

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 2017-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
SW Credit Systems  is violating both the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act.  SW Credit Systems  is using deceptive practices to collect money from me and they need to be investigated.   I obtained copies of my credit reports and noticed a listing from  SW Credit Systems . I did not authorize  SW Credit Systems  to obtain my credit file . SW Credit Systems  never sent me a letter stating that they obtained my credit file and that they were going to place this account on it. I then sent  SW  Credit Systems a validation letter to prove that they own this debt they claim I owe.  SW Credit Systems t hen sent me old statements from  XXXX .  SW Credit  Systems did not send me a purchase agreement, bill of sale or any type of proof that  SW Credit Systems  is legally entitled to collect anything from me. To this day , SW Credit Systems  is still reporting this account on my credit file and trying to collect money from me . SW Credit Systems  deceptive tactics are malicious and intentional.   The account I am referencing is  : SW Credit Systems  Acct #  XXXX

Company response to consumer: Closed with explanation