vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-19 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 sent an online investigation to this credit bureau. I disputed a lot of accounts & inquires on my report that I do not recognize. I believe that this company did not conduct a proper verification. The notes said the inquires were factual records. But I don't have any information on where they came from. I wrote the companies, but I did not receive a reply. I want a proper verification conducted and now I want all open accounts, collections, inquires, and judgements verified. I also want to know how these accounts are verified. I think I am within my right to ask how their 3 rd parties verifies information as well. I did contact the bankruptcy court who informed me that they do no provide information to 3rd parties. So I definitely want to know ( 1 ) the name of the person who went to the courthouse, ( 2 ) the name, job title, and phone number of the person whom they spoke to, ( 3 ) and I want a copy of all documentation presented and received. I am still concerned about identity theft and fraud since I am past victims. In the past, my exhusband information was comigled with mine and it took forever for someone to fix it. I do not want someone using my information to credit fictitious accounts to hurt my 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 2019-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I received a collection notice from Radius ( 2nd collection agency ) on XX/XX/XXXX. The debtor description listed XXXX XXXX yet I've never had any account with XXXX. I called XXXX and learned that the account was opened by XXXX on XX/XX/XXXX by someone using my old name ( changed in XX/XX/XXXX after marriage ), a fake email address and phone number. I didn't open this account. The account was apparently closed in XX/XX/XXXX at which time XXXX sold the debt in the amount of {$980.00} to Jefferson Capital Systems on  XX/XX/XXXX ( 1st collection agency ). I never received any invoice or collection notice from XXXX or Jefferson Capital Systems. The first time I learned of this was when I received the collection letter from from XXXX. I filed a police report on XX/XX/XXXX and it was approved on XX/XX/XXXX. I've pulled my credit reports and observed no suspicious activity. Through the FTC/Identify Theft.Gov, I submitted all appropriate paperwork and demand letters to XXXX, both Debt Collectors and all Credit/Reporting Agencies. All aside from Jefferson Capital Systems have responded and wiped out the debt/resolved the issue. Jefferson Capital continues to pursue collection of this falsified debt. I have all documentation related to this matter. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19 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: TX

Complaint narrative:
I have contacted equifax about inquiries made on my account. I explained to them that I in the military and I was XXXX from XX/XX/XXXX to XX/XX/XXXX. There is no way that I was able to make credit inquires on my account : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
AFNI collection company has placed a collection on my credit reports that I do not owe. The original fault belongs to XXXX XXXX XXXX. The amount is for {$240.00} and originated from a false claim for monies due in XXXX, XXXX but was placed on my credit report on XX/XX/XXXX. In XXXX of XXXX, we switched our cellular service from XXXX XXXX XXXX to XXXX. I paid the amount due at that time and was told the account was closed and that there would be no more charges due. A month later I received a bill from XXXX XXXX XXXX for another month of service. I called them and they agreed that they saw notes where I had closed my account and paid in full and it should not have had charges after that. The representative told me she couldnt remove the charges but would have their billing dept remove it. A month later we got another bill for the same amount. I called again. This rep also told me it wasnt owed but it would have to be sent to the billing department to have it removed and that it would be no problem. I never received another bill and assumed it was taken care of. Two years later they addd it as a collection, via AFNI, on my credit report. I do not owe this bill. I believe they were angry I switched to XXXX and charges out another month and just expected people will pay it to get out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: VA

Complaint narrative:
Equifax : Remove wrong the details from my Credit report. 

Please review the attached letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I contacted PayPal about a scam account I sent money to and because it was a personal payment they were not willing to help me or put the money on hold. How secure is PayPal if they are not willing to help you when you are being scammed through their platform?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received an electronic statement from Kohl 's on XX/XX/2019 indicating that my account payment was overdue. Prior to this message, I had not received either and electronic or paper statement indicating that I had any charges that were due. The online account showed 2 statements ( dated XX/XX/2019 and XX/XX/2019 ) with late charges and interest penalties added to the balance due. I called Customer Service to let them know that I had not received any statements prior to XX/XX/2019 that informed me that I had a balance due on my account. Kohl 's Customer Service representative said they could remove the late penalties but not the interest charges. I asked for a revised statement reflecting the amount owed based on my actual purchase and they refused to send me anything or post a revised statement on my online account. They said the payment transaction had to be done over the phone. I asked to speak with a supervisor and to be connected to the credit card/billing department directly because I wanted to resolve this without impairment to my credit rating. I was denied both requests. I asked for documentation to be provided to me that showed Kohl 's had sent me an electronic bill prior to XX/XX/2019 and they said they didn't have those records. I paid the amount owed on my account ( without penalties and interest charges ) and I received a letter dated XX/XX/2019 ( the same day that I called Customer Service ) from the Collections Department stating that my account was delinquent and that I had to notify Kohl 's to dispute the validity of this debt or any portion thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX  : Remove wrong the details from my Credit report. 

Please review the attached letter from JPMCB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
In 2015 my XXXX that was financed through XXXX XXXX XXXX had an engine problem. This was supposed to be covered under my warranty however for weeks we continued to get the run around and were without our Jeep for over 5 weeks. XXXX who also handled the warranty stated it was user fault and would not cover the repair. The engine was clearly faulty as we only held the XXXX for less than 2 years. We appealed and during that time the XXXX was taken as repoed from the dealer where the XXXX was at waiting on word from the appeal for repairs. After it was denied again we could not get it back. No letter of intent to sell was sent, no letter of intent to repo was sent and the company was well aware of what was going on as their warranty department was handling the claim. The loan still reports on my credit with a higher balance than what we owed when the XXXX was taken how is that even possible to owe more? No deficiency balance fees were added to balance and it is ruining my credit still till this day. The XXXX was sold clearly but yet my balance still reports as higher than when I held the vehicle. This was a gross mishandling of fair credit acts and reporting. I want this removed from all 3 credit reporting agencys

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Receiving debts for bills when on XXXX Not billing my insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS
State: FL

Complaint narrative:
I have contacted Lexis Nexis for a full file disclosure by phone, email, and by mail over 60 days ago. Lexis Nexis has not complied with my request, nor has Lexis Nexis complied with my request to place a security freeze on my Lexis Nexis Report, or opt out request.

Lexis Nexis is intentionally ignoring my request for which I'm entitled to a full file disclosure of information contained in Lexis Nexis database containing my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I submitted an application for a loan and was approved on XX/XX/2019. I had not uploaded the documents online and there was an expiration date that I can no longer see. One Main Financial sent some contact information out to a branch in XXXX XXXX, Texas. I spoke with an agent on XX/XX/2019 while at work and explained my location and hours at XXXX XXXX. On XX/XX/2019 I called the branch office at XXXX XXXX and XXXX XXXX answered the phone. I identified myself and she looked up my account. She then said that the assigned agent was with another customer and would call me back in 30 minutes. I explained that our work schedules are very similar and I may not be available and asked if someone else could take the information needed. She curtly stated, " if I didn't answer she would reject my application. '' At that time I asked her for a supervisor and she said with a smile I am the manager. I then said thats not what I asked for. I asked for your supervisor, whether its a district or regional manager. She said you can go online. I then said you are not going to give me an email or phone number for someone over you. She stated no and shes rejecting the application and hung up the phone. Now all the emails I was sent, said that I have a team waiting to assist me. Then when I call and ask for someone else she refused me access to complete my loan application for which I was approved for, all because our schedules don't align. But note I am on the phone attempting to meet their business needs as well. 

I then emailed the company immediately. I also called the XXXX branch and spoke with XXXX. She also gave me other numbers to call. This morning I decided to find email that says I am approved and log in. XXXX rejected my application. I would like the reason she put in the system when she refused me the application process. That has to be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19 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: NV

Complaint narrative:
TRANSUNION TODAY SAID I CAN NOT HAVE ACCESS TO ONLINE SERVICE DUE TO INABILITY TO GENERATE SECURITY QUESTIONS TO ID ME ... THIS IS THEIR OWN COMPUTER GLITCH AS MY CREDIT HISTORY IS EXTENSIVE. 
THERFOR I OFFER THE FOLLOWING : XXXX XXXX ACCOUNT NUMBER XXXX SHOWS A 30 DAY LATE ON XX/XX/2014.THE PROBLEM AT THE THE TIME I RECALL IS THAT MY PAYMENT WAS MISAPPLIED TO ANOTHERS ACCOUNT.THIS DISCOVERY TOOK SOME TIME.I HAVE NEVER BEEN LATE ON ANYTHING AND HAVE BEEN A GREAT CUSTOMER AND FAN OF XXXX  AND WOULD APPRECIATE AN NA OR ND ON THAT LATE DATE OR SOME OTHER SOLUTION. 
XXXX XXXX, ACCOUNT NUMBER XXXX HAS MORE THAN 10 LATES THAT WERE CAUSED BY THE CREDITORS FRAUD. 
AT THE TIME OF AROUND XX/XX/2014 I WAS TOLD THAT IN ORDER TO QUALIFY FOR A RECAST OR REFI, WITH REDUCED WRITTEN DOWN PRINCIPAL AND RATE, THAT I WOULD HAVE TO DEFAULT AND THAT THE PROCESS WOULD TAKE A YEAR.AT DECLINE I PAID XXXX TO CURE.I WAS SCAMMED AND NOW HELD ACCOUNTABLE FOR LATES CAUSED BY THEIR CLEAR DIRECT MISINFORMATION.I WOULD LIKE THIS ACCOUNT TO BE DELETED FROM ALL CREDIT BUREAUS EVERYWHERE.

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 2019-10-19 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: Regional Acquisition Group, Inc.
State: TX

Complaint narrative:
I contacted XXXX and Regional Finance/ XXXX in regard to incorrect information on my credit report but the only justification XXXX came back with is the company confirm its accurate. But didn't provide any documentation. This account show be remove from my credit report immediately because this was not my responsibility. This account show paid ; however, it continues to report " fail to pay '' causing my score to decline rapidly.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
SYNCHRONY BANK WHICH INCLUDES WAL-MART ; QVC ; LOWES HAD SUED ME FOR NON-PAYMENT. I CAN NOT PAY A BILL WITHOUT GETTING A NOTICE IN THE MAIL. THEY HAVE CLOSED MY ACCOUNTS AND TURNED OVER TO COLLECTIONS. I HAVE DONE RESEARCH AND THEY HAVE DONE A LOT OF UN-FAIR PRACTICES. I WAS NEVER NOTIFIED THAT MY CREDIT WAS BEING TURNED OVER TO COLLECTIONS WHICH IS A VIOLATION OF MY RIGHTS ; THEY ALSO SENT REPRESENTATION TO A HEARING WITHOUT MY KNOWLEDGE THAT I COULD HAVE HAD REPRESENTATION ALSO WHICH IS A ANOTHER VIOLATION OF MY RIGHTS. THEY ALSO PUT THESE NEGATIVE ITEMS ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. THESE ARE JUST SOME OF THE ITEMS THAT THEY HAVE DONE WITHOUT MY KNOWLEDGE WHICH IS IN VIOLATION OF MY RIGHTS. I HAVE ALSO BEEN IN CONTACT WITH SEVERAL DIFFERENT CUSTOMER SERVICE REPRESENTATIVES TO MAKE PAYMENT ARRANGEMENTS AND THEY WOULD NOT WORK WITH ME SO THIS IS A REFUSAL OF PAYMENT WHICH IS ANOTHER VIOLATION. THEY ALSO TURNED MY INFORMATION OVER TO A THIRD PARTY WITH OUT MY ACKNOWLEDGMENT OR ANY NOTIFICATION.

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 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My credit card is with Citibank ( Costco Card ) and my online bill pay service is through XXXX XXXX. For the past two XXXX payments ( XXXX and XXXX ), due on XX/XX/XXXX of each year, my payment has been posted late and I have been hit with a late fee ( {$25.00} in XXXX & XXXX and interest charges ( {$2.00} in XXXX and {$11.00} in XXXX ). This bill is paid every month via Auto-pay through XXXX XXXX and it is set up to pay " by the due date '' and every other month for the last 2 years it has posted on time for all month 's except for the XXXX payments ( due in XXXXr ). Something weird is happening between these two financial institutions in the month of XXXX when this payment should be posting by the due date! 

Citibank was good and credited back the XXXX charges but refused to go back and review the XXXX charges. XXXX XXXX was not very helpful and just told me to set the payment day sooner. They also said they will research why this is only happening for XXXX 's payment, but that was three weeks ago and I have not heard back from XXXX XXXX. 

I can't figure out who is really at fault here : XXXX XXXX when they send the XXXX payment or Citibank for not posting the XXXX payment faster ( you will notice in the screenshots that XXXX XXXX is sending the payment the day before the due date each month ). 

Please help me get resolution!

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 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
The main reason for this complaint is XXXX XXXX ( Goldman Sachs ) failure to close account and being misleading about it. 

1 ) On XX/XX/2019, I paid off the balance on my XXXX XXXX ( the account balance was XXXX ) and closed the account by calling XXXX. After a brief conversation, the XXXX XXXX agent assured me this had been done. However, I did not receive a confirmation of the account closure. 

2 ) Today, XX/XX/2019, I called again ( at the same number ) to confirm the account closure and was told the account was still active and only the credit card had been canceled. ( I was surprised because on XX/XX/2019 when I contacted XXXX XXXX/Goldman Sachs, I recall I was clear that I wanted to close the account and did not say anything to suggest the card had been lost. ) I expressed this to the agent and asked again to close the account. She first asked me to agree to a statement and when I agreed she assured me the account had been closed. She said I would receive a confirmation but as I write this complaint, I have not received one. 

The following information also raises concerns about XXXX XXXX security : 1 ) For security and convenience reasons, I tried to change my Apple Card billing address from my apartment address to the same address I use with my other cards ( a PO box ). I tried to do this in the XXXX app, but the update failed with no explanation provided. I tried twice. 

2 ) I called XXXX XXXX support and was told I could change the billing address only when I had a physical card. Even though I didn't want a physical card, I ordered one. 

3 ) When the card arrived, I tried again to change my billing address in the XXXX app, but ran into the same problem as in ( 1 ). 

4 ) I called XXXX XXXX support again and was told I would not be able to change my billing address after all. I told them that I had been informed previously this would be possible if I had a physical card. The agent told me there had been a policy change. 
5 ) I also tried to change my email address to a safer, non-generic email address. I called the customer service but was not able to get an answer on how to do this.

6 ) I decided to cancel the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: LA

Complaint narrative:
The information on my report that was removed that keeps coming back up is INSANE!! XXXX finally reported on XX/XX/XXXX that they removed it and then on XX/XX/XXXX put it back on there!!! Same thing goes for the XXXX XXXX XXXX account. I have attached the evidence! I am SICK OF THIS NONSENSE!!! THEY KEEP SAYING FOR ME TO PAY MY BILLS ON TIME YET I HAVE ZERO DELINQUENT ACCOUNTS AND 100 % PAYMENT HISTORY! I have already filed complaints regarding XXXX and XXXX with the FTC for fraud.

Company response to consumer: Closed with non-monetary relief