vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-28 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: PA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I had an online account with Equifax after my data was breached in XXXX. I was given a free TrustedID account as a result. I also setup an account at XXXX. I do not use the website often but I recently received an alert from XXXX   saying my SSN was found online and I should freeze my credit reports. I attempted to log in to freeze my credit account for Equifax but I was told to call them when I attempted to log in. 

When I attempted to change my password I get the reset link in my email account but after going through the trouble of changing it, I get the page to call them. 

Today, XX/XX/XXXX, I called and was told by a customer service rep that my account was no longer accessible because I submitted " incorrect information ''. I asked how to solve the issue and they said it was impossible. I asked for a supervisor and was told the same thing. 

I just want what they promised me, online access to my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: PA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

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 2019-09-28 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: PA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

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 2019-09-28 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-28 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am sick and tired of being called " Invalid '' when I am telling the truth and they are breaking the law. It is an insult to be called " invalid ''. 
Apparently when you ( me ) have all the documentation that you are telling the truth and you have been wronged ( and you sent it on to these " people '' on more than one occasion ) you are " INVALID ''. 
2nd letter from these " People '' today a complete rerun of the letter sent to me dated XX/XX/XXXX, once again calling me " INVALID '' I am NOT CALLING YOU and you are NOT TO CALL ME. This can be taken care of IN WRITING. 
I have asked them to send me a offer in writing that would resolve this issue and it hasn't seemed to compute with them. 
I have gotten no offer in writing, and I have not gotten any verifying information that THEY promised to send me in their first letter dated XX/XX/XXXX. 
All I get is the same letter over again that says I am " INVALID ''. 
They already judged me, discriminated against me, and developed complete bias against me even before the letter I sent them disputing the amount. They show no interest in making things better and they have already decided that I am a XXXX. Nothing I say ( all the truth ) makes no difference with them. I truly believe that they never read anything I write or look at any of the proof I sent them. They are totally and completely discriminating against me. It does no good to send them any of my proof because they are discriminating against me. 
I want this resolved and these people and their sticky fingers out of my personal information, my credit, and my life. 
Send me an offer IN WRITING ASAP that will resolve this issue permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Online and on monthly statement account is informed that a promotional balance is expiring. There are two different promotions being used. One is deferred interest if paid in full, the other is equal payment no interest. Nowhere does it tell how you can pay off the deferred interest if paid in full balance off. Example : Online showed $ XXXX balance due to pay off promo and a minimum payment of XXXX {$160.00}. I paid {$270.00} online, expecting it to cover the promo balance. Next month, I still had $ XXXX deferred balance left. I called to ask how much I had to pay the promotional balance off. ( the minimum payment was still about {$150.00} ). The agent started adding a list of equal payment no interest amounts ( these are no listed in my monthly statement, so if I hadn't called I could not have done this myself ). Then he cam up with a minimum payment I had to make of {$220.00} to get rid of the promo balance that would have added interest for the whole amount and time I had borrowed the money. Furthermore he had me pay the balance online and stayed on the phone so he could apply them a certain way. If I had paid that same {$220.00} without an agents intervention to apply it a certain way, that same payment would not have covered the promo balance and all that interest wound have been applied the following month. My complaint :!. Disclose the information needed on the statement, 2. Spell out the amount to clear the promo balance, and, 3. apply the payment to the customers advantage and not trick the customer into paying additional interest by distributing payments to maximize Synchrony 's bottom line.

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 2019-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My monthly payment is {$42.00}, Since the debt was made, I have paid over the monthly payment in the amount of {$10000.00} per month. The last payment was charged a late fee of {$28.00}. There can not be a late fee if I am ahead on my monthly payments. How can I be late with a {$42.00} payment when for the total Time I had the loan, I have more than doubled the monthly payment? The card Company is Lowes/Sysnchrony Bank, XXXX XXXX XXXX, XXXX ga. XXXX. Phone, XXXX XXXX XXXX. My acct. number 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 monetary relief
Consumer complaint received 2019-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I created an Equifax account, and attempted to obtain my free annual credit report and score. Equifax will only give you a free credit score if you sign up for their intrusive credit score service called Equifax Core Credit. Considering Equifaxes poor history with privacy controls, I don't think it's fair for them to force consumers to sign up for another service simply to obtain the score. What Equifax will give for free is a " credit report '' which does not give the score - only a summary of account information. According to Equifax 's privacy policy, signing up for Equifax Core Credit means agreeing to allowing the company to share and sell my information. I'm rather certain this is a violation of credit reporting laws and amounts to type of extortion. The Federal Government has been far too lax with Equifax considering their history and reputation of negligence with consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Original loan was for {$10000.00}, I have paid back from 2012 to now XXXX to date and still owe XXXX. I never agreed to such terms. It has ruined my credit because it saying I havent made payments on 4 loans. Which they are responsible to manage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: CA

Complaint narrative:
There are 3 accounts that are reporting late on my credit report, I was never late on any accounts on my credit report. I wrote a letter to the 3 Bureaus Transunion, XXXX, and XXXX  on XX/XX/2019 and asked them to investigate and to please delete the error. 
They verified as accurate, which is impossible because I am certain I was never late, So i sent another letter on dated XX/XX/2019 and sent it certified with signature so I know it was received by XX/XX/2019. I asked for method of verification and proof of how the investigation was conducted and who conducted it. I never received any documents or what I had requested. I am asking for them to please delete the error or send me proof of how they came to the conclusion of how it verifies accurate. I would like some type of 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 2019-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE DATA BREACH CAUSED THE FTC VIOLA TION THAT IS NOT FIXABLE I'VE TRIED MORE THAN 4 MONTHS ENCLOSED THE ACCOUNTS THAT CAN NOT BE RESOLVED THEN WENT TO XXXX XXXX AT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
The company Credit Systems at XXXX XXXX XXXX XXXX in XXXX, Texas reported a medical debt to my credit and caused a drop. 
I have never been notified of this debt, an amount owed in this amount, or contacted by this company. 
Looking up this company online they have multiple cases of this exact scenario.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armada Corp.
State: WA

Complaint narrative:
XX/XX/15. 
XXXX XXXX XXXX Armada Corp is trying to collect bill that is not mine. False reporting to credit bureas. I contacted them directly and asked for proof of my bill. They never sent or provided proof. False bill. Not mine. Very rude company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had made a payment on XX/XX/XXXX. I have no late payments with this company ever, or any for that matter. The payment was not processed through my bank because the bank had made some adjustments. I did not receive any correspondence from Capital One until I got a credit alert advising me that I had a 30 day late payment tacked to my credit history reports. I immediately logged on to capital one to see it. I called them rectified the payment. I requested that they show me current when they report it to the bureau next. I was told by the senior manager XXXX, they do not do that at Capital One. He advised they did reach out by sending me a physical letter on the XXXX of XXXX, which clearly would not arrive in time for me to have made any changes. This company is pathetic, and that is why they have lost my business. This should not be an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: Conn's, Inc.
State: TX

Complaint narrative:
Please see documents attached. 

I have disputed Conn 's several time with proof and they continue reporting false information to credit bureau. Recently, in XXXX and XXXX Conn 's reported my account as current, XXXX Conn 's reported my account XXXX past due. The information is inaccurate. When reporting disputes to the credit bureau they do not consider evidence and allow a company to report whatever they want. I recently brought to the attention of Conn 's they were overcharging my account and payments they received did not match my record of payments, my account went into collections with Conn 's. I provided proof of all payments in XXXX and we agreed on a settlement. I have agreed to an amount that is fair, however, they reported double the agreed amount to the credit bureau. I have attached agreement letter, and amount from bank account to prove Conn 's is reporting the incorrect information on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
I never applied for SCRA benefits with my mortgage company. At the beginning of XXXX XXXX XXXX alerted me that I had missed multiple payments on my mortgage dating back to XXXX. I did a hard pull on all 3 credit bureaus and verified they claimed I had missed 23 payments, and they claimed I owed XXXX dollars more on my mortgage than was was shown on my account. I logged into my account and the ledger was in utter disarray, almost a hundred entries on XX/XX/XXXX. I proceeded to call and ask what was going on they told me it was due to SCRA benefits and to call the credit bureaus which I did, it has been a month and still no resolution to my report. My credit score has taken a huge hit and I was turned down for a loan. What is my next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
my credit is XXXX i have no credit and can't get approved for any credit because i don't have any credit so how am i supposed to build credit if i get denied for everything i apply for and the only thing that's on my record is hospital bills from when i was pregnant and i was on XXXX so XXXX should have paid for those bills but for sum reason they are still on my record i have tried to get it taken off but it aint went nowhere. i have tried and tried to build credit but cant seem to get approved for anything since i don't have any so what do i do how do i build credit if i cant get approved for anything that do i do because i cant even get a loan and im trying to buy a home and start a business but cant because i have no credit what should i do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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:
There are 3 accounts that are reporting late on my credit report, I was never late on any accounts on my credit report. I wrote a letter to the 3 Bureaus XXXX, Equifax, and XXXX  on XX/XX/2019 and asked them to investigate and to please delete the error. 
They verified as accurate, which is impossible because I am certain I was never late, So i sent another letter on dated XX/XX/2019 and sent it certified with signature so I know it was received by XX/XX/2019. I asked for method of verification and proof of how the investigation was conducted and who conducted it. I never received any documents or what I had requested. I am asking for them to please delete the error or send me proof of how they came to the conclusion of how it verifies accurate. I would like some type of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX AND CAPITAL ONE CAUSED MY DATE BREACH THE SIGNED THE FTC AND USED SOMEONE ELSE NOTARY WHICH I'LL BE WILL TO SWEAR UNDER OATH

XXXX  
I WENT TO TUAN V LE 
WHICH I NEVER DID BUSINESS WITH AND HE agreeD TO FIX WHAT XXXX CAUSED FOR FREE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: PA

Complaint narrative:
I never applied for SCRA benefits with my mortgage company. At the beginning of XXXX XXXX XXXX alerted me that I had missed multiple payments on my mortgage dating back to XXXX. I did a hard pull on all 3 credit bureaus and verified they claimed I had missed 23 payments, and they claimed I owed XXXX dollars more on my mortgage than was was shown on my account. I logged into my account and the ledger was in utter disarray, almost a hundred entries on XX/XX/XXXX. I proceeded to call and ask what was going on they told me it was due to SCRA benefits and to call the credit bureaus which I did, it has been a month and still no resolution to my report. My credit score has taken a huge hit and I was turned down for a loan. What is my next step.

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 2019-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: ID

Complaint narrative:
I am asking for a certified copy of the lien that was to be filed with the idaho Secretary of the state in XXXX of 2004 by XXXX XXXX XXXX on behalf of XXXX XXXX. It you can not provide it then you have no interest in my property. It would have been in you file as transfered from XXXX XXXX XXXX to sps Your answer of our record show we complied. Is not answer. do you have it? And was it filed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
There was a fraudulent charge with Google Pay and I am still being charged for 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