vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  the mortgage servicer of my loan sold my loan to XXXX XXXX after I paid it off. XXXX XXXX reported to the credit bureaus that I owed them $ XXXX when the account was at a XXXX balance. Then XXXX received the loan back from XXXX XXXX and it took them a very long time to resolve the issue. I disputed to the credit bureaus that I should not have a mortgage balance with XXXX  $ XXXX nor XXXX XXXX. XXXX removed the balance of my account, I also complained because they lied to me about mailing my escrow funds timely as required, and they swore they mailed it on XX/XX/XXXX,  which never arrived. A customer service rep requested for a stop payment in XXXX. I received the escrow payment refund from XXXX a month later the stop payment check and the envelope post dated XX/XX/XXXX. Now XXXX has used my credit report unlawfully by adding that I owe XXXX $ XXXX as a new account after this loan closed in XX/XX/XXXX. I received a letter from XXXX at XXXX for complaining for rationalizing the error that occurred that should of never happened. See the copy of my XXXX  credit report. XXXX is retaliating against me for making so many complaints which I will address outside of the CFPB.

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 2020-02-27 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: Synovus Bank
State: MA

Complaint narrative:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This Nordstrom credit card when never opened by me and needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX/XXXX/XXXX accounts. ( Please see attached credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX/XXXX/XXXX accounts. ( Please see attached credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: WA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX/XXXX/XXXX accounts. ( Please see attached credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: PlusFour, Inc
State: NV

Complaint narrative:
Per Ftc sec 609 credit agencies are not validating my account they are simply verifying my information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
Per Ftc sec 609 credit agencies are not validating my account they are simply verifying my information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I can't open your response!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NY

Complaint narrative:
This XXXX credit card when never opened by me and needs to be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NY

Complaint narrative:
This XXXX credit card when never opened by me and needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NY

Complaint narrative:
This XXXX credit card when never opened by me and needs to be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: Ascendium Education Group
State: AZ

Complaint narrative:
There are student loans showing on my credit report from 2008 which is from 12 years ago ( way too old to be on my credit report. I have tried disputing the info and reaching out to the collection company without any success. The collection company keeps reporting the info to my credit report which makes it seems like the information is new or the latest info. How can they keep reporting on information that is more than 12 years old. I have been unable to get this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: GA

Complaint narrative:
Hello, my name is XXXX XXXX at XXXX XXXX XXXX, GA XXXX there are several inaccuracies on my credit report. There is an XXXX  XXXX account that has been previously paid in full it's being reported inaccurately. I'm opening a XXXX and checked my report and to my dismay. I've seen things unbeknownst to me. here are the other accounts that inaccurate : XXXX XXXX XXXX   XXXX XXXX this account was resolved prior to the collections process. XXXX XXXX XXXX XXXX XXXX XXXX this service was also paid in full prior to the collections process.XXXX   XXXX XXXX ... xxx, xxx, these account don't belong to me. XXXX XXXX XXXX is unrecognizable and doesn't belong to me. XXXX XXXX is also an account that does not belong to me. XXXX  XXXX is another account reporting inaccurate information and then same account is reported multiple times.XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, is reporting inaccurate information and there are several accounts attached under this company name.XXXX  XXXX XXXX XXXX. US DEPARTMENT OF EDUCATION XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, these accounts are paid as agreed and not in any stage of collections.I 'm npt sure why these accounts are appearing this way. I believe that its identity theft or 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 2020-02-27 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: GA

Complaint narrative:
Hello, my name is XXXX XXXX at XXXX XXXX XXXX, GA XXXX there are several inaccuracies on my credit report. There is an XXXX  XXXX account that has been previously paid in full it's being reported inaccurately. I'm opening a XXXX  and checked my report and to my dismay. I've seen things unbeknownst to me. here are the other accounts that inaccurate : XXXX XXXX XXXX   XXXX XXXX this account was resolved prior to the collections process. XXXX XXXX XXXX XXXX XXXX XXXX this service was also paid in full prior to the collections process.XXXX   XXXX XXXX ... XXXX, XXXX, these account don't belong to me. XXXX XXXX XXXX is unrecognizable and doesn't belong to me. XXXX XXXX is also an account that does not belong to me. XXXX  XXXX is another account reporting inaccurate information and then same account is reported multiple times.XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, is reporting inaccurate information and there are several accounts attached under this company name.XXXX  XXXX XXXX XXXX. US DEPARTMENT OF EDUCATION XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, these accounts are paid as agreed and not in any stage of collections.I 'm npt sure why these accounts are appearing this way. I believe that its identity theft or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: AR

Complaint narrative:
My wife and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our reports since we first found our 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I have called them back multiple times and they hung the phone up in my face or they told me that I needed to verify my account and provide them with my address or other identifying information. I called back on Thursday, XX/XX/XXXX and spoke to XXXX and I informed her that I was making a complaint to the National Do Not Call Registry and to please stop calling me and she simply okay you have a nice day. I said cease and desist and once again she said okay have a nice day and the call concluded. They have called me on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XXXX at XXXX XXXX, XX/XX/XXXX at XXXX am, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. Those are just some of the call logs that I haven't deleted from my phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: Sterling Infosystems Inc.
State: IL

Complaint narrative:
I received a copy of my background report that is considered incomplete. No data was provided. I signed off a disclosure form that stated the following ... 

XXXX ( COMPANY ) may obtain from Sterling Infosystems , Inc. ( STERLING ), XXXX XXXX XXXX, XXXX XXXX, NY XXXX, ( XXXX ) XXXX, www.sterlinginfosystems.com, a consumer report and/or an investigative consumer report ( REPORT ) that contains background information about you in connection with your employment or employment application. If you are hired, to the extent permitted by law, COMPANY may obtain from STERLING further reports throughout your employment for an employment purpose without providing further disclosure or obtaining additional consent. 
The REPORT may contain information about your character, general reputation, personal characteristics and mode of living. The REPORT may include, but is not limited to, credit reports and credit history information ; criminal and other public records and history ; public court records ( e.g., bankruptcies, tax liens and judgments ) ; motor vehicle and driving records ; educational and employment history, including professional disciplinary actions ; drug/alcohol test results ; and Social Security verification and address history, subject to any limitations imposed by applicable federal and state law. This information may be obtained from public record and private sources, including credit bureaus, government agencies and judicial records, former employers and educational institutions, and other sources. 
If an investigative consumer REPORT is obtained, in addition to the description above, the nature and scope of any such REPORT will be employment verifications and references, or personal references. 

The information that was given to me does not contain what the reporting agency claims. Under the Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems as a background reporting agency in good faith should report ALL information pertaining to an applicant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Kohls Corporate and spoke to Manager XXXX about my issue with the two interest rates charges on my bill, he replied XXXX gave them the ok to do it. I was not satisfied at all with his service. I then called our Governors office and was advised to file a complaint. Since XX/XX/2019 Kohls credit card has been charging credit card customers a Protected Balance interestand Interest on purchased items. These charges total to 51.39 % interest within a 30 day billing cycle.

I reviewed CARD ACT2009, Obama passed, Kohls needs to reimburse EVERYONES ACCOUNTS, this is what I want to happen for my resolution of my complaint. If the APR has gone up a few percent each year thats understandable, but two interest rates within a 30 day billing cycle is against the Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: GA

Complaint narrative:
Hello I'm writing to ask about the removal of these address inaccuracies from my report. i live at XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX any other spellings are inaccurate my number is XXXX any other number is inaccurate. 







XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are both inaccurate

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 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Problem : Capital One sent negative status ( unpaid bill ) to all credit reporting agencies WITHOUT providing any notification to me. Negative report shows incorrect balance of {$220.00} & unpaid balance. My account was paid in full on XX/XX/XXXX ( {$140.00} was the only amount listed in my final bill statement-closed XX/XX/XXXX - which I did not receive until XX/XX/XXXX ). 

Capital One FAILED & REFUSED to provide my final bill statement per my XX/XX/XXXX & XX/XX/XXXX phone call requests. 

History : XX/XX/XXXX call : My online account requested security confirmation for access. I could not use my phone no. on file for user confirmation - since it was inactive. Fraud Protection Rep was unable to send a security text to my VALID cell phone ( on file on two previous accounts ). After providing many key personal information rep still refused to give me online access or other security options. I refused rep 's request to send him my photo ID so I closed my account. Rep AGREED - but FAILED to mail my final bill statement to my address ( ON FILE FOR YEARS ) - as I requested. 

XX/XX/XXXX XX/XX/XXXX calls : I made four calls to Customer Service. They said my account was blocked & I was transferred from one rep to another. After providing many key personal information to a Specialist Rep - the rep again refused to send me my bill to my address ( ON FILE ) per my request unless I sent a photo ID. A CS Supervisor finally AGREED to mail me my bill - but I suspect he was prevented from doing so. 

XX/XX/XXXX fax & mail : I faxed & mailed four complaints to Customer Service & Fraud Protection Depts. 

XX/XX/XXXX mail : I finally received my final bill statement & paid it off on XX/XX/XXXX. 

XX/XX/XXXX : After all of the above communicated complaints & w/ no other notices Capital One still proceeded to send a negative status to the credit reporting agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc.
State: WI

Complaint narrative:
I received my first letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX saying that I owed my XXXX account {$58.00} and that I had 30 days to pay this amount. I called my XXXX account and they I spoke to an agent named XXXX and he said I did not have any outstanding bills and that he would check into it. I never heard anything more so I filed the letter away. 
Then on XX/XX/2019 I received another letter this time from a company called SIMM Associates , inc . They said I am responsible for the amount of {$58.00} When I called them to find out what it was about the women on the phone had me verify my name, address, and she wanted me to do my email address next and it did not match! So we could not go any further and she was not any help. I told her it was a mistake and she said she could not help me. So then I decided to do some more investigating on my own. I ended up calling XXXX and found out that some used my name sold something to someone took the money and never gave the person anything! I have never sold anything on XXXX! So How can you help me. I reported this to Identiy theft.gov. 
XXXX XXXX

Company response to consumer: Closed with explanation