vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 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: LA

Complaint narrative:
I had Child support on my credit file, so I never really used my credit, I have been paying it through my job for years and decided to apply for a small loan, this passed XX/XX/2018 and I was approved, but also found these other accounts and inquires on my credit report. I did a little research and found out what steps to take in correcting the errors. So I placed a fraud alert and file a identity theft report per the Fair Credit Reporting Act. I am attaching a copy of the identity report and would like these items removed, including the inquires accounts. I discovered through my research, that these items should be removed within 5 business days, once I provide the identity theft report. 

I also went to XXXX website and input my information and XXXX, stated the my personal data was stolen in their data breach..

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 2019-02-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent by certified mail disputes that were delivered on XX/XX/2019. I have attached the tracking number and verification that is was received on XX/XX/2019. As of today XX/XX/2019 I have not received any communications by mail as to the results or status of these disputes. I called today XX/XX/XXXX to inquire as to why I didn't receive the results and after speaking to 3 different people one being in consumer affairs and providing all 3 with name, birthday, social security number, current address, current car loan info, they refused to give me any information stating they were not able to verify my identity. Furthermore they wanted me to go over every line item on my report before providing any information about the disputes. These tactics are unprofessional, inappropriate, and a violation of my rights under FCRA.They are doing this willingly and with malice as described ( wrongful intention, especially as increasing the guilt of certain offenses. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Conn's, Inc.
State: AZ

Complaint narrative:
In XXXX of 2018, I issued a payment to XXXX XXXX for my credit account. The payment was returned due to fraudulent charges on the account. Conns sent an email stating that they would re-draft on the next business day and never did. I called numerous times to follow up and was told not to worry they were on it and I would not receive a 30-day late mark on my credit report. ( The original payment was made close to the 30-day late mark. ) More than a week and I finally get a representative that says they never redrafted the payment and that it was still due - so I made the payment and asked about my credit. I was told that any negative marks would be removed and that I was going to be ok.

Fast forward 3 months and my credit score drops close to 100 point due to Conns reporting as late. They reported differing months that the late was in on each of the reports ( one report shows late in XXXX, one shows the late in XXXX ) and have also inflated the balance ( current balance is XXXX - they are reporting XXXX ) I have tried through numerous avenues to resolve this issue. Had they redrafted as they put in writing that they would the late would have not been reported to the bureau. I am not disputing that the payment was past due - just how they are handling it They have stated that they do a " courtesy '' fix once the account has been open a year, but they are not taking into account the 3 years I have been a customer. 

There are several complaints against this business for this practice and for the inaccurate balance reporting. They are taking advantage of people and will not do anything to make their mistakes right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX   XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: GA

Complaint narrative:
I have contacted this bureau over 45 days ago to remove all unauthorized inquiries listed below. I have not heard back from them and every time I call i get a different story. They are not willing to cooperate in removing these unauthorized inquiries they are reporting that do not belong to me. This needs to be fixed because it is wrong. This is holding me back from obtaining good credit.

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 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient has a history of misapplying payments on my student loans. As they've admitted in the past, there were delinquent marks on my credit ( and co-signer ' credit ) for years that they refused to fix, in addition to late fees. I filed a previous complaint against the company, Navient. Navient admitted to issues with the payment processing on their end and stated payments were set up incorrectly. I previously spoke with their office of the consumer advocate ( associate XXXX XXXX XXXX about a year ago with respect to this issue. 

Since then, I've had to renew my payment plan. I recently received correspondence that my account is being reported over 40 days past due with late fees/credit reporting again. I contacted Navient, and they stated that the payments are again being applied incorrectly on their end. The recorded calls with the company will demonstrate all of this. 

It's clear at this point that Navient has engaged in negligence, bad debt practices, breach of contact, infliction of emotional distress, and the like. They are unable to competently set up a payment plan and apply payments in correctly, which has resulted in continued harassment for myself and by co-signers. I've attached proof of this non-compliance to this case in addition to a recent past due letter that I've received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I've been denied multiple times, forvmy personal loan when there is two names on one social security number. 

Federal fraud due to an clerical error & the XXXX data breach. 

This is corrupted process that wells fargo & XXXX has beeen negligence since XX/XX/18 My file is not accurate. 

Personal loan ID : 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 2019-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: FL

Complaint narrative:
I had an old subscription to XXXX XXXX for years. Since I didn ' received all the issues, when I received a mail in XX/XX/XXXX asking for renew ( always by Credit Card ) I didn't do it. 
Today, dated XXXX XXXX XXXX I received a menacing letter from a collecting Agency : North Shore Agency, asking for " my debt '' with the magazine ( that indeed I didn't receive never after the last  subscription ) and " offering a 'friendly ' renew of the subscription ''. I'm responding the follow to : XXXX XXXX -- -- -- -- -- -- XXXX -- -- -- -- -- -- Dear Sirs, I just received your letter enclosed. I regret to state the follow : - I never ask for a credit nor renew from XXXX  since the last and only mail received from XXXX, that I copy below, dated XX/XX/XXXX. 
- I didnt renew nor ask sents, then I dont owe nothing. Previous years was paid by CCard. 
- Unfortunately, I didnt receive at least half of the isues of my previous subscription, since many, many years. This conduct to dont renew it. I dont know if it was due to XXXX fails, or my courier fails, but they say that they didnt received the issues in XXXX. I live in XXXX and my address in XXXX is a forwarding courier. 
- Of course, I didny received ANY of the supposed previous letters from XXXX  that you mention. Only ONE was the OFFER ( rejected ) of XX/XX/XXXX. 
I say the late as feedback only. The main point is -as I said- I didnt renew any subscription, and the proof is that I always charge it to a C.Card, and it was not charged, because I DIDNT renew it. Stop. I dont know what point could be no clear. 
I dont know what kind of scam is this, but -by the way- Im copying to XXXX  and doing a claim in the FTC ( thriugh https : //complaint.consumerfinance.govXXXX ) If you or XXXX  did a mistake, please be so kind to correct. 
Thanks, and best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: GA

Complaint narrative:
I have contacted this bureau over 45 days ago to remove all unauthorized inquiries listed below. I have not heard back from them and every time I call i get a different story. They are not willing to cooperate in removing these unauthorized inquiries they are reporting that do not belong to me. This needs to be fixed because it is wrong. This is holding me back from obtaining good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted this bureau over 45 days ago to remove all unauthorized inquiries listed below. I have not heard back from them and every time I call i get a different story. They are not willing to cooperate in removing these unauthorized inquiries they are reporting that do not belong to me. This needs to be fixed because it is wrong. This is holding me back from obtaining good credit.

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 2019-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
Flagstar Bank suspended my account today and wont give me access to my funds. There is about {$15000.00} in funds that they are keeping from me. I called them today to find out whats going on. They wouldnt tell me anything on the phone. They said someone would call me back. They never did!

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 2019-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient has been a problem and I have filed multiple complains about them in the past. 
Navient misallocated payments and steered me through multiple forbearances instead of income-driven repayment plans. Then, they started mailing letters to me at a previous address and had the wrong telephone number to reach me. This resulted in mis-allocation of XXXX seperate loans that I was consistently paying ( as was agreed, and they do not dispute ), and hit my credit score hard. When I reached out to them and tried to resolve this issue, they could not pull up my account because they had the wrong address and telephone number on file. 
It took multiple complaints to the CFPB to get them to even communicate with me ( thanks, CFPB ). We worked through this issue, all of the fees that they charged were returned, and I refinanced the student loans with a different servicer. By the way - no issues so far from the new servicer. 
What this complaint is about is the fact that Navient was supposed to expunge my credit report, and they did not. This was their mistake, they acknowledged as much and returned the fees ( on paper ) they had charged me. And yet, I'm still paying for it. I can't call them, because I'm not a customer any longer. Maybe the CFPB can help me expunge my credit report from Navient 's mistake. 
I can show a current credit report showing XXXX loans that have XXXX hits that are 90+ days old - 84 times I was reported and it hurt my credit. Aside from that, my credit is spotless. However, this mark on my credit is costing me thousands of dollars in a refinance of my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I recently sent this company a request to validate the debt on XX/XX/2019. I recieved a letter dated XX/XX/2019 notifying it was recieved and asking me for more information. I then recieved a 2nd letter dated XX/XX/2019 stating that the accout was accurate and disputed. 
I have yet to receive all of the requested information from this company to " accurately '' report to the credit bureaus. 
It has been over 30 days and I have yet to receive ANY information to VALIDATE this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts and security freezes to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. 
Washington, DC XXXX RE : Not Reporting Revolving Credit Card Accounts As of the date, I am challenging the inaccurate of my Mastercard CC with Capitol One and its inaccuracy reporting. Its not showing that I have an open credit card account for over 2 years, and as a result its lowering my credit score with no revolving credit, and added my credit card wasnt being reported to all 3 credit agencies as well. Furthermore, I would like the corrective action - the first step is for my credit card account to now show as on time payments from 2 years ago and alongside to reporting positive financial records to all my credit reports as well. Thank you for investing your time in me. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've been denied multiple times, forvmy personal loan when there is two names on one social security number. 

Federal fraud due to an clerical error & the XXXX data breach. 

This is corrupted process that XXXX XXXX & XXXX has beeen negligence since XX/XX/18 My file is not accurate. 

Personal loan ID : 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 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've been denied multiple times, forvmy personal loan when there is two names on one social security number. 

Federal fraud due to an clerical error & the Equifax data breach. 

This is corrupted process that XXXX XXXX & Equifax has beeen negligence since XX/XX/18 My file is not accurate. 

Personal loan ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Toyota Financial charged {$780.00} for bodily damage and lost key when we returned our XXXX  XXXX at the end of a 2-year lease. We received a detailed invoice one time only. We lost that bill, received missed calls from Toyota but I was able to eventually asked Toyota Financial to send me another invoice. I disputed the lost key item ( this was mailed back to the XXXX dealership within 1 week after returning the car ). We never received any updated invoices. Instead, we received a notice from XXXX XXXX XXXX XXXX. We are being threatened with credit reporting while the original problem with the bill ( the {$370.00} lost key charge ) has not been resolved. In order to avoid a negative effect on my personal credit, I paid the {$780.00} in full even though it should be {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: GA

Complaint narrative:
There are several accounts reporting on my credit file that does not belong to me. I have sent the credit agencies letters to dispute these accounts. The listed accounts are reporting as a result of identity theft. Please remove the following accounts and incorrect information from my credit file : Incorrect Name : XXXX XXXX ( XXXX ) Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX & Transunion ) Identity Theft Account : XXXX XXXX XXXX XXXX ( XXXX & Transunion ) Identity Theft Account : XXXX XXXX XXXX ( XXXX & Transunion ) Inquiries : XXXX XXXX XXXX ( 2 Times ), XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 Times ), XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation