vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I had received a XXXX in XX/XX/XXXX from a collection account from Synchrony Bank/Gap and I filed it with my XX/XX/XXXX taxes. I had then called the company on XX/XX/XXXX to see if I can pay it off so my balance would be at XXXX and I would have no past due so my credit score would raise. When I called I was told that the loan was forgiven and that I did not have to pay it anymore. So I asked the gentlemen what do I do now? He told me to file a dispute with all three credit reporting agencies and state that the loan was " forgiven ''. On XX/XX/XXXX I had filed the dispute the all three credit reporting agencies and stated that I was told to do so by the creditor. 
On XX/XX/XXXX, XXXX contacted me and told me that disputed information was updated and that a change has been made on my credit report. The balance due and past due amount was now zero and the pay status and remarks now said that the account was paid in full. 
Then on XX/XX/XXXX I received an alert from XXXX stating that a account on my report had changed. When I called on Monday, XX/XX/XXXX I was told that Synchrony bank had updated my account again to show a balance and past due amount. XXXX  told me to call the company because they should not be reporting that since they had updated the account on XX/XX/XXXX. 
When I called Synchrony bank and spoke to a representative they told me that they had no knowledge of the account being changed to begin with. They told me again that the account was forgiven and that there was nothing I can do. They also told me that XXXX  was lying and they never updated the account to show a zero  balance and a zero past due. They did say that they did update it with an account forgiven. When I asked them why did XXXX  tell me that they are not allowed to update my credit report that only the creditor can do that they told me that XXXX was lying. 
I called XXXX right away and they sent me the original updated information from Synchrony to use in this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Recoveries, Inc.
State: GA

Complaint narrative:
I applied for the debt default program and set up a card which had {$60.00} on it to make 10 {$5.00} payments over the course of 10 months which was to be automatically debited from my card. they took the payments and on the XXXX and final payment the said my card declined even though i did not us the card for anything other than the purpose of the loan repayment program and they just took my money and did not even attempt to reach me in this matter especially after 10 months and the fact that it was the final payment. when i found out they didnt even allow me to go ahead and make the final payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: LA

Complaint narrative:
Certified bureau of the ( that is all that is showing for there name, on my credit report ) I have no idea who they are and I have never received credit, goods or services from this company. One day, I started received calls from this company, they were threatened to sue me and destroy my credit, if I did not pay them {$120.00}, The calls came back to back day and night, I finally gave in just to get some peace. But, I was under the belief, that if I paid them, the account would be cleared from my credit. They completely lied to me and extorted monies from me. 
The original account was from XXXX XXXX XXXX XXXX, I had XXXX when I went to the hospital and I guess this is some type of co pay. But, I never received a call or any mail for XXXX XXXX, stating I had a balance or requesting a payment. I was never given a chance to pay any outstanding balance, if any was due. 

IC SYSTEM has the same approach, they call night and day, threatening to sue and ruin my credit. They called and spoke to my friend, who answered the phone and told him, my personal business and what they were going to do to me. The original account was a XXXX XXXX account for {$67.00}. I don't have account with XXXX XXXX, nor do I owe them and monies and have never received a call form XXXX XXXX or any written notices or bills, stating I owe them monies or requesting monies. This is not my bill and has been placed on my credit report. I do not live in XXXX XXXX, I live in another city, in Louisiana

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is attempting to collect a debt that I do not owe. The debt is old and from a place that I worked, my services were free and I have the signed documentation proving it. My old employer actually billed my insurance & got paid and then sent me to collection for the whole amount even though they don't bill employees. 
They do some shady stuff and this proves it! I do not owe this debt and they were paid by insurance anyways. 
I am contacting my attorney regarding their practices as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Malcolm S. Gerald and Associates, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX Received a letter from Malcolm S. Gerald and Associates , Inc. stating that I owed a balance of {$10.00} to XXXX XXXX XXXX. My wife went to the doctor office and showed the letter. They looked into the system and found the invoice and she paid it. 
XX/XX/XXXX Received a voice message from Malcolm S. Gerald and Associates asking to call back. My wife called and told them the invoice had been paid. They asked to fax receipt of payment, which she did fax the same day. She also called XXXX XXXX Department and they sent the updated information to XXXX. 
XX/XX/XXXX My wife called Malcolm to check if they received the fax. They did but refuse to close the account because they have not received any payment from XXXX and that payment made was applied to a different invoice. She then called Advocate to ask why they haven't sent any payment to Malcolm and they said they don't have to pay anything to Malcolm and that I do not owed anything to them since I paid the balance of the only outstanding invoice I had with them. I do not know what else to do. This issue is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: CA

Complaint narrative:
Equifax is reporting I have two open mortgage accounts which is incorrect. I have one open mortgage account and one closed with a XXXX balance as it was transferred TO A NEW LENDER. I HAVE NOTIFIED EQUIFAX of this numerous times and they are still reflecting the one account that should be closed with a XXXX balance as opened with a balance. I have reported this incorrect information and the other two credit bureaus have the correct information reflecting but Equifax is still not reporting my information correctly. the XXXX lending account should be closed with a XXXX  balance and they are reflecting it as opened with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express Company opened up my Accounts in a Fiduciary Relationship acting as me. The bank is not in the same state as me. This is both Fraud against my person and Tax Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Portfolio Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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:
On XX/XX/XXXX I received a letter from Equifax informing me the results of my investigation are complete and lacked any proof of verification. Police and identity theft reports were received by Equifax containing accounts that were opened without my consent. Neither the creditors/collection agency has yet to respond to my dispute, therefore Equifax could not have verified these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am very concerned about policies limiting financing to companies engaged in the gun industry! I believe this is a violation of anti-discrimination law. What happens when the banks decide that we should no longer purchase vehicles which use fossil fuels, that we should all drive solar/battery powered cars? What happens when prolife organizations are deemed unacceptable by lenders? What would happen when black businesses are deemed too risky? What right do lenders have to pick the policies that we are all forced to live by and suppress policies with which they disagree? This is a very dark and dangerous path for us to choose and I would suggest BOA and XXXX XXXX need to take a step back and reconsider their policies regarding the gun industry and if they will not they should certainly be held accountable for this dangerous behavior! To me this is very comparable to the baker providing services to gay individuals, to separate restrooms for white versus black individuals, and even to equal pay for women versus men. We all supposedly ascribe to the principal of equality and these new policies of BOA and XXXX certainly violate these principals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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:
trans union is reporting two negative accounts on my credit file that don't belong to me. these accounts and balances do not belong to me and are not mine. I have notified them of these errors and they have refused to correct them and remove them from my credit file. the accounts are XXXX XXXX and XXXX and XXXX ands they are appearing under the negative accounts on 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 2018-04-30 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: CORELOGIC INC
State: CA

Complaint narrative:
I have over 10 inquiries on my credit report Im a victim of identity theft I also have police report confirming this 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 2018-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
XX/XX/XXXX 


Dear Ford Credit Motors, Based on your letter received, dated XX/XX/XXXX. I hereby agree to the resolution reached and request to utilize the requested opportunity. 

I hereby request and direct Ford Credit to remove all negative notification on my credit report including the word dispute and unverifiable late payments indication. 

This letter serves as a formal writing as indicated on the letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
Never heard of XXXX XXXX XXXX. Got a statement for {$0.00} in the mail today with a {$24000.00} credit limit. They say the account has been opened since 1989. They don't show any users or company owners listed but they will not cancel the card. There is no balance, no users, and no cards. They want personal information such as SS # and birthdays, etc. to add someone to the account in order to close it ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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 — Problem with personal statement of dispute
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX a letter I sent to Conns Credit Company requesting validation of an alleged account in my name was signed for via certified mail. It is required by federal law that a notice of dispute is to be placed on any account within 30 days of a dispute in which Conns Credit Company failed to do. I have retained a copy of signature and date of receipt as well as a time-stamped copy of my credit reports, showing that Conns has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. A follow up letter was sent and was signed for on XX/XX/XXXX stating that FCRA rule had been broken and a deletion of the trade line was required. I received the exact same letter from Conns Credit Company ignoring my request, and to this day a notice of dispute has not been placed on my credit reports nor has it been deleted. Due to the fact that Conns has violated the terms of the FCRA I am requesting a deletion of this trade line from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been complaining for a year to Citibank, NA/XXXX  that I am a victim of a fraud at a gas pump. Someone then used whatever ID they stole to obtain a {$500.00} cash advance. Citi wants that from me plus interest and fees of {$270.00}. I have asked over and over for proof they might have as to who did this, signatures, ID used, pictures etc. They just ignore my requests that they investigate the matter and have placed the account with a collection agency called XXXX. I made the same requests of them to investigate on XX/XX/XXXX and at this point have heard nothing. My credit is perfect, or was, but I will not pay a debt I did not incur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: IN

Complaint narrative:
COLLECTOR KEEPS CALLING MY DADS CELL PHONE AND FAILED TO VALIDATE, NOW MUST CEASE AND DESIST COLLECTION EFFORTS I AM DEALING WITH ORIGINAL CREITOR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 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: OH

Complaint narrative:
Experian is being negligent in reporting incorrect information on my credit report when it was not legally verified, corrected or deleted. These accounts do not meet the requirements of the FCRA and they are required to delete them immediately. they have continued to send me letters merely stating the account was " verified '' I have asked for the method of verification although they refuse to send it to me. the other bureaus were not able to verify this item but yet Experian claims that they can which baffles me as to how they are allowed to continue to report unverifiable information on my credit report. 
XXXX XXXX XXXX XXXX is an unverifiable item and they have permitted this company to continue to report this delinquent account onto my credit file regardless of the laws set forth in the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America and XXXX discreminating against law abidding gun owners and fire arm companies. These are public companies that should not be getting into social issues. What happens when they do not want to business with someone of color or the wrong political party? Where does this end? I would hate to see us move backward in banks treating everyone equally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My experience with Lowes/XXXX XXXX has been horrible since XXXX when problems with their credit card as ruined my credit report since then. In XXXX my Lowe 's credit card had a withdrawal of {$250.00} dollars without my consent from my checking account. I called customer service and explained what happened, the person from customer service told me that it must of been one number off of someone else 's account number and the withdrawal should not happen again.From there I had to go to my bank which is XXXX and fill paper work out to get my money put back into my checking account, which they did. So I decided to cancel that credit card and open a new one just to be same. A year later the same problem happened again. {$250.00} dollars was taken out of my checking account without my consent. Again I called customer service and they explained that should of never taken place. Then once again had to go to XXXX fill out paper work to get my money back. Once again they had to get my money back from that withdrawal. But as all this was going on I was still making payments on my Lowe 's credit card bill like always. I notice that all my payments where being returned to me and late fees and interest charges where being placed onto my credit card bills. Come to find out XXXX had shut down all my transaction between Lowe 's and XXXX without me knowing and telling me that they had done that until I found out for my self which was very upsetting to me. Unfortunately because of their mistakes my credit rating has suffered immensely! I was taking to court by XXXX XXXX and paid off all my debt so I thought. I find out that I still have a Lowe 's credit card with a balance that has been charged off? I am looking for some help on getting this resolved and my credit rating to be improved. I'm also on XXXX and can not afford to pay off the debt at this time. If it wasn't Lowe 's / XXXX XXXX and XXXX I would not this dilemma. Thank you 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