vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I sent a letter in response to a letter I received by Transunion dated XX/XX/2018 related to the debt referenced XXXX XXXX XXXX and the inaccuracies on my Transunion credit report. I sent two requests for debt verification to XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/2018. I stated the basis of my initial dispute was due to multiple inaccuracies across all three credit bureaus such as the date ( s ) of last activity, payment history, and the status of the account. They were unable to verify  the alleged debt with proof of a consumer contract with my signature on it. I sent a third and final request on XX/XX/2018 to have the negative file removed from my credit report since they couldnt verify the debt. They failed to positively verify with sufficient proof my legal signature on the original contract ( s ) with XXXX XXXX XXXX since they are the reporting company listed on my credit report. 

On XX/XX/2018 my score was XXXX. On XX/XX/2018 my score increased to XXXX due to XXXX XXXX XXXX removing the item from my credit report. On XX/XX/2018 my score went back to XXXX due to XXXX XXXX XXXX adding information back on to my credit file which I believe to be in violation of my FCRA rights by adding and reporting negative and unverifiable information. I requested to have all information and accounts related to this alleged debt removed from my credit file immediately. When I check my report and score each week the negative information is still listed. XXXX XXXX XXXX refuses to remove the negative information and Transunion is not doing anything about it even though I submitted my proof that the alleged debt is not belonging to me.

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 2018-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XX/XX/2018, Amount {$350.00}, companies involved : Chase and XXXX I purchased XXXX XXXX tickets through XXXX but fell for a scam. I sent payment through Chase/XXXX but never received the tickets. 

I called Chase within 10 minutes when I realized that I was the victim of a scam and spoke to at lease three Chase employees on the phone. But they claim there is nothing they can do to stop the payment and even told me I shouldn't file a police report because I initiated the payment!!! The payment was actually showing pending for at least five hours on Chase.com but Chase did not do anything about it.

I also filed a police report on this crime to my local police department a few hours later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Its not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran. I am unemployable as I am almost XXXX XXXX. I have a student loan with American Education Services. I was paying them up until my unemployment check was available. Now, I rely only on my XXXX compensation check from the VA to sustain myself and my family. It is already hard enough to make ends meet, as I have a son in college and a XXXX years old daughter. I have tried many times to ask to cancel my loan, or at least to reduce my monthly payments, but I was denied each and every time. I have sent all documentations they have requested that show my XXXX, but their answers still the same, I have to pay {$750.00} each month. Now, they send me to collection. Would please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
they are increasing [ about two dollars ] my balance daily saying itsanticipated interest interest that they take off my actual montly interest but i have never seen it taken off. they refuse to send me a detailed statement showing the money they have taken out or deducted from my interest.. i have alot of credit cards but don't have this problem with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax in blatant violation of the following FTC regulation : 623.

Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition * ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

* ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if * ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and * ( ii ) the information is, in fact, inaccurate.

* ( C ) No address requirement. A person who clearly and conspicu- ously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

* ( D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

( 2 ) Duty to correct and update information. A person who * ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and * ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

Continues to report the following inaccurate items as included in a bankruptcy that XXXX has deleted as inaccurate ( see enclosed document ) : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX PUBLIC FILINGS XXXX BK IND CH-XXXX  ( XXXX not reporting ) delete

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: AES/PHEAA
State: AZ

Complaint narrative:
I have been making payments for the last couple of years towards PSLF. However, the company seems to always be " processing '' these and still shows that I have no payments counting towards the 120 I will need to obtain forgiveness.

On multiple occasions, I have submitted paperwork to maintain my enrollment in  PSLF and was asked to submit it again. At one point, I submitted the SAME document completely filled in 7 different times. I even had a customer service representative tell me that they were requesting I send it again but that she could clearly see the 7 different documents submitted and that all were done correctly so she was unsure of why I needed to again.

After this, I began recording dates, names and ID numbers along with what the representative told me regarding my PSLF status. The detail document is attached below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15 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: WI

Complaint narrative:
I contacted Equifax regarding a collections account that has yet to be removed from my credit file. Equifax informed me that they would do an investigation and I submitted documents supporting my stance on the matter. Equifax failed to notify me the status of said investigation, in addition they did not remove the negative information provided by the company reporting to them. The company name is XXXX XXXX XXXX and they have failed to provide proof with my signature on any consumer contracts yet they continue to report negative information on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reporting against ( XXXX  XXXX XXXX ) on a collection account which was on my credit from a collection agency called ( XXXX XXXX XXXX  ) I have told XXXX XXXX XXXX that this account is false account it doesnt belong to me and them have refused to remove it on my credit and I also asked them to provide me any kind of envidence documentation about the false account so that I can file a law suit against XXXX XXXX XXXX and them experian also refused to mail me documentation concerning this false account, please I am in the pick of filling a law suit against experian on this false account so my lawyer ask me to contact ( CFPB ) before going ahead with the legal precedents on this matter.

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 2018-03-15 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: Convergent Resources, Inc.
State: WI

Complaint narrative:
I contacted XXXX regarding a collections account that has yet to be removed from my credit file. XXXX informed me that they would do an investigation and I submitted documents supporting my stance on the matter. XXXX failed to notify me the status of said investigation, in addition they did not remove the negative information provided by the company reporting to them. The company name is XXXX XXXX XXXX and they have failed to provide proof with my signature on any consumer contracts yet they continue to report negative information on my behalf.

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 2018-03-15 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: NY

Complaint narrative:
I purchased a house on XX/XX/17 that had existing XXXX service and had constant issues with the service with phone lines and televisions being down. They changed the status of our plan multiple times from being out of contract to being in without my authorization. There service reps missed multiple appointments to repair issues. We had to cancel service eventually and disputed the charges they said we had. They still went and reported it to the credit agencies as a derogatory in collection.

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 2018-03-15 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My name is XXXX XXXX and my account number was XXXXxxxx I have disputed inaccurate reporting from Huntington Bank 3 Times. Each of my credit Bureaus have different payment history which changes each time its diaputed. There are current payments followed by 120 days late which makes no sense. I lost a job of 8 years and it appears the only thing they want to do is negatively impact my credit with inaccurate negative reporting. Each bureau report is different even though theyve been disputed 3 times to be updated. As an example on report shows the ending of XX/XX/XXXX 30 days late. The other two show XX/XX/XXXX 90 days late after being 120 days late and paid in full the month prior. Please update my payment history correctly. You cant be 60 days late in XX/XX/XXXX but paid in full the month before. 

The most recent disputes I have sent were in XX/XX/XXXX, XX/XX/XXXX and XXXX. 

I have attached images of my report I can also locate the confirmation receipts from mailing them certified. 

Please correct my payment history or delet the account from the 3 Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: General Service Bureau, Inc.
State: IA

Complaint narrative:
I saw online that this is a debt collection company which is fine because I am sure I owe some debt but they call every other day and they never leave a voicemail and the phone number does not allow me to call them back directly. And when I try to answer the call no one says anything or they hang up if I greet them and say hello. How can I get information or give information if all they do is call but are not willing to actually communicate!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This should not be on my report. It is a child support case that is over 20 years ago. I believed that the statue of limitations ran out. I am basing that on the FTC regulations. I have disputed this with the 3 major bureaus. However, it is only reporting on Experian. The account # XXXX XXXX, from the Illinois XXXX. I need this to be removed immediately. It is damaging the character of my credit report. It hard to get credit based on something that does not reflect my credit worthiness. This situation is not accurate and therefore should be dismissed based on the facts.

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 2018-03-15 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I recently pulled my credit report and discovered a collection account listed as Diversified Consultants in which I have never had an account.Furthermore, I do not have any collection accounts for any company. I do not have outstanding balances either. This erroneous information is preventing me from obtaining a home loan and I'd like it removed at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My capital one card is showing that I am 30 days past due which isn't true and this has dropped my score. I had fraud on my account and reported it within hours of discovering it. They open an investigation and is still in process. However its reflecting that I am 30 days past due. I have never missed a payment and although I was told from more than one rep to not make a payment until the issue was sorted out. I have still made two payments. The customer service team has been great through this long investigation however its costing me point towards my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
On or about XX/XX/2018, I was alerted by XXXX XXXX XXXX that I had a collection debt in the amount of {$13000.00}. This collection debt was reported by Security Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2017 I received a letter in the mail with no return address on it. I opened it it was papers copied from a letter from the courts. It appeared bogus a scare tactic to collect a debt. I tried calling but got no response back. I tried emailing got response back, with a number to call. When I called it was a fax number. Previously before I tried to pay back this debt. But the gentleman I dealt with at XXXX XXXX XXXX did not want to negotiate. Months passed maybe a year. Then I receive this in the mail. My complaint is if I am going to be sued I am supposed to get papers delivered by a constable from the courts. I never did.At home or where I work. The number I researched online came back as a SCAM. That's why I did not respond back.

three months later they are garnishing wages from my paychecks. When the original debt was less than {$500.00}.

This organization should follow rules, It appears they did not.

If this issue is not resolved I will have to go to the local media to see if they can investigate.

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 2018-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: CA

Complaint narrative:
I have been on XXXX since XX/XX/XXXX, I needed this loan to keep current with my bills after XXXX. The loan origination date of my loan is XX/XX/XXXX. I called XXXX today to check on on my loan balance and it turns out that after making every payment on time every 2 weeks for nearly a year I owe {$500.00} more than I borrowed. so I pay {$140.00} every 2 weeks, my original loan amount was {$3000.00} and I now owe XXXX this doesn't seem fair and due to my XXXX I am currently unable to work and these payments are strain on my ability to stay current with my other bills. Is there anything I can do about it. 
Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I recently received the calls from Diversified Consultants, today at XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They're looking for a person named XXXX, not me. I try to call back but they'll forward to automated message and I don't want to spent time to fool around with a scam liked call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15 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: MO

Complaint narrative:
My XXXX XXXX card is showing that I am 30 days past due which isn't true and this has dropped my score. I had fraud on my account and reported it within hours of discovering it. They open an investigation and is still in process. However its reflecting that I am 30 days past due. I have never missed a payment and although I was told from more than one rep to not make a payment until the issue was sorted out. I have still made two payments. The customer service team has been great through this long investigation however its costing me point towards my credit score.

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 2018-03-15 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: MO

Complaint narrative:
My mother has a credit card with capital one and I have been an authorized user for years. When I go to view my credit report XXXX has my capital one card information as well as the card I'm an authorized user on however XXXX does not. I contacted XXXX and was told to call Capital one. My mom called capital one and was told that nothing has changed on their end. I'm still in the system as an authorized user and I needed to contact XXXX. 

My mothers name is XXXX XXXX XXXX .The account was opened XX/XX/2010 and has a balance of {$2100.00}.

Company response to consumer: Closed with explanation