vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-09 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: AES/PHEAA
State: GA

Complaint narrative:
Fedloan Servicing is reporting 90+ days outstanding of 4 student loans. This is inaccurate for the reasons summarized below : 1. I paid my account as required by the agreement with Fedloan 2. Fedloan is inaccurately reporting my student loan dept as a credit card debt! 
4 Fedloan switch their invoicing method to paperless with notifying me 5. I did not authorize Fedloan to switch my billing to paperless 6. I was not notified by Fedloan that my payment was past due 7. I  appemtepted to make payments via their website as directed by Fedloan 8. My ( multiple ) online payments, via their website did not post to my account 9. My personal information had multiple inaccuracies ( email, address, name, etc 10. Fedloan is still reporting account that were paid in full as open 11. Fedloan is  reporting late payment on closed accounts - w 12. I open three ( 3 ) diedsputes with Fedloan spanning 6 months and my credit report 13, In each case they took more than 30 days & NEVER provided notification of result They have ruined my credit with INACCURATE reporting and flaunting Federal Law! 

HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: NY

Complaint narrative:
Investigation did not fix error

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 2019-06-09 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: TX

Complaint narrative:
experian you are reporting an alleged account that is not owned by who you are reporting I have request many times that you remove this account enclosed is the evidence that you are maniplating consumer credit reporting seems you have been doing this a lot which violates the FCRA, your credit reporting needs investigated you are reporting this on your experian credit report dated XX/XX/2019 remove this violation of reporting at once. PLEASE DONT SEND YOUR TEMPLET LETTER THATS GETTING OLD ANSWER THE 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 explanation
Consumer complaint received 2019-06-09 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This is a continue complaint on Comenity Bank in relation to the XXXX XXXX XXXX store credit card. 
The first complaint-XXXX-XXXX  in which Comenity Bank made the adjustments and resolved the issue. On a later complaint-XXXX-XXXX, Comenity Bank is now stating the charges were reinstated on my account because I requested a stop payment with my bank. This is not the case. Firstly, I contacted my bank and in speaking with a representative, they indicated it is not their policy to provide information of a customer 's account activity to a third party. Secondly, my bank is showing no history of a stop payment or request on my account. If there was a stop payment request with activity a stop payment fee would have accompany with the activity. I did request my bank to do an investigation of Comenity Bank and their activity related to the charges. Thirdly, Comenity Bank stated in their previous response to the complaint investigation the XXXX XXXX store credit card account was closed with no charges and reporting on time payments to all three credit bureaus. Comenity Bank has since made the decision to reopen the account and assign charges, with late fees, and reporting negatively to all three credit bureaus which is affecting my credit scores tremendously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This account has been reporting to the credit bureaus and I asked for validation of the debt. They have not sent me sufficient validation that I own this debt. I need this account removed. Ive never had a report from the original creditor so I need these people to stop reporting this to 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 2019-06-09 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: GA

Complaint narrative:
XXXX XXXX is reporting 90+ days outstanding of 4 student loans. This is inaccurate for the reasons summarized below : 1. I paid my account as required by the agreement with XXXX 2. XXXX is inaccurately reporting my student loan dept as a credit card debt! 
4 XXXX switch their invoicing method to paperless with notifying me 5. I did not authorize XXXX to switch my billing to paperless 6. I was not notified by XXXX that my payment was past due 7. I appemtepted to make payments via their website as directed by XXXX 8. My ( multiple ) online payments, via their website did not post to my account 9. My personal information had multiple inaccuracies ( email, address, name, etc 10. XXXX is still reporting account that were paid in full as open 11. XXXX is reporting late payment on closed accounts - w 12. I open three ( 3 ) diedsputes with XXXX spanning 6 months and my credit report 13, In each case they took more than 30 days & NEVER provided notification of result They have ruined my credit with INACCURATE reporting and flaunting Federal Law! 

HELP!!

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 2019-06-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX is reporting 90+ days outstanding of 4 student loans. This is inaccurate for the reasons summarized below : 1. I paid my account as required by the agreement with XXXX 2. XXXX is inaccurately reporting my student loan dept as a credit card debt! 
4 XXXX  switch their invoicing method to paperless with notifying me 5. I did not authorize XXXX to switch my billing to paperless 6. I was not notified by XXXX that my payment was past due 7. I appemtepted to make payments via their website as directed by XXXX 8. My ( multiple ) online payments, via their website did not post to my account 9. My personal information had multiple inaccuracies ( email, address, name, etc 10. XXXX is still reporting account that were paid in full as open 11. XXXX is reporting late payment on closed accounts - w 12. I open three ( 3 ) diedsputes with XXXX spanning 6 months and my credit report 13, In each case they took more than 30 days & NEVER provided notification of result They have ruined my credit with INACCURATE reporting and flaunting Federal Law! 

HELP!!

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 2019-06-09 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: Real Time Group, Inc.
State: NY

Complaint narrative:
I have previously submitted this complaint. Real Time Resolutions ( RTR ) is the current servicer of a loan that had previously been serviced by XXXX XXXX XXXX, ( XXXX ). 

XXXX had reported the loan as a charge off more than 6 years ago. In RTR 's response to my complaint they attempt to claim that XXXX 's reporting was incorrect and that my complaint was directed at the wrong servicing company. Although I have never stated that the RTR they continue to take that position, and it appears that their only reason for doing so is to support their " belief '' that they are properly reporting the loan. 

I have requested XXXX  to notify myself in writing, with a copy to RTR, confirming that XXXX  ' prior reporting was in fact correct. This is a simple verification that RTR could have done with XXXX   but they continue to fail and refuse to do so. 

I have obtained limited relief from XXXX who was able to determine that RTR was in fact a duplicate report of this account that had been reported by XXXX more than six years ago, and in fact removed RTR 's reporting from XXXX.

However, RTR continues to report the loan to XXXX who to date continues to include RTR 's reporting on my credit, even though the prior charge off had been reported more than six years ago.

I need RTR 's reporting of the account to stop immediately and for them to remove any prior reporting of this account. RTR should also provide any and all documentation provided at the time of transfer which indicates if this loan was in fact previously reported as a charge off, or if the account was transferred as a current account, not merely state their belief, that conveniently supports their position. 

Further, RTR should b e held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: G&P Enterprises, LLC
State: CA

Complaint narrative:
I paid my HOA Dues using a Cashier 's Check. HOA committed Grant Theft by stealing my Checks ( 12 Cashiers checks works {$1400.00} ), after filing a small claim in XX/XX/XXXX HOA asked me to dismiss the case and accepted they have my checks but didn't cash it.

HOA sent this for collection and Allied Trustee Services, ignored the fact that payment was made using cashier 's check, a small claim was dismissed after mediation and they put a wrongful Lien on my property and they are now calling me to threaten to foreclose the home If I don't pay {$7300.00}.

Multiple mediation efforts with HOA Since XX/XX/XXXX Emailed Allied Trustee Since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: NY

Complaint narrative:
Did not fix error

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 2019-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My ex and I were divorced a few years back. As part of the divorce procedures we closed or removed one another from joint credit card accounts, however I now learn that the company in reference refused to remove my name as an account holder ( he was the primary account holder ). 
My ex continued to use the credit card without my knowledge and recently accumulated debt and decided to file for bankruptcy. The account in reference was included in the filing. 
Through a third party ( I was notified that one of my accounts was closed by another creditor due to adverse information on my credit report ) I learned that the creditor transferred the debt to me and reported the delinquency and amounts due as my debt. Numerous attempts to explain the situation and misunderstanding went unanswered. 
At this point the debt that he is responsible for ( I never even held a card for this account since the divorce ) is dismissed as part of the bankruptcy procedures and I am now made liable, my credit score adversely and very negatively affected, yet I can not do anything to resolve this misunderstanding. Since I have no knowledge of the account, all I know is what is reported on my credit report. I never received a statement and no collection attempt was made. The creditor can not show proof / contract that I am liable for the account - all they claim is that since my SSN and DOB ( which needless to say is information my ex had knowledge of ) are correct in the system, I am indeed liable and refuse to remove the adverse report against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 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: NC

Complaint narrative:
There was nothing to explain further. I have been sending letters to Equifax for months now and I have repeated myself over and over again. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS XXXX XXXX ( ORIG CREDITOR NAME : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX  XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 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: DC

Complaint narrative:
On XX/XX/XXXX, a third party tried opening a credit card account with XXXX XXXX XXXX   under my name. This application ceased after XXXX XXXX called me and it was determined that the application had been fraudulent. 

However, a hard inquiry made by XXXX XXXX as part of the credit card approval process has remained on my Equifax credit report to this day. Upon my urging, XXXX XXXX submitted two or three inquiry suppression reports to Equifax, which should have led to the removal of the hard inquiry form my Equifax report. This inquiry, however, was never removed from the report. On the five occasions that I called Equifax, I was told that it never received an inquiry suppression from XXXX XXXX. On XX/XX/XXXX, I was told repeatedly by a person answering the phone for Equifax that XXXX XXXX misinformed me, and that Equifax can not change my credit report. I had also transmitted to Equifax ( both by regular mail and fax ) a letter from XXXX XXXX that stated that the credit inquiry from XX/XX/XXXX was based on a fraudulent credit card application, accompanied by a number of supporting documents. This communication has been ignored. 

Equifax has so far been extremely unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: IL

Complaint narrative:
There are hard inquiries on my report that I did NOT authorize. I tried contacting the creditors by mail & havent received a response to this urgent concern. Also, I contacted TRANSUNION directly and they REFUSED to help. 
These inquiries need to be deleted from my Transunion report because I did NOT authorize them. 
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX  6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. 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
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: KS

Complaint narrative:
With reference to the letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 
2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23.

3. Proof of Claim that ENHANCED RECOVERY COMPANY has the legal right and lawful authority to  attempt to enforce collection of the alleged liability in the form of Proof of Agency. 

I hereby serve Notice that failure to provide Proof of Claim by ENHANCED RECOVERY COMPANY has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring ENHANCED RECOVERY COMPANY from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. 

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of ENHANCED RECOVERY COMPANY agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my dispute letter to the CRA dated XX/XX/XXXX. Inaccurate Items disputed XXXX XXXX XXXX, XXXX XXXX XXXX. Dispute reason : remove this account because the date of status or DOS didn't update, this irrefutable proof that no investigation was done. 

However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 

It is to be noted that prior to my dispute with the CRA, inaccurate item XXXX XXXX XXXX date of status or XXXX was ( XX/XX/XXXX ) and inaccurate item XXXX XXXX XXXX date of status or XXXX was ( XX/XX/XXXX ) After what is known as an investigation that was conducted and completed by the CRA, my dispute results from that investigation shows the DOS didn't change/update.

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 2019-06-09 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: TX

Complaint narrative:
three accounts US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX all three accounts were not in my name and are too old to be listed on my account.

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 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services
State: FL

Complaint narrative:
some on or about 2019 Clarity service XXXX at XXXX XXXX XXXX XXXX XXXX FL pull my credit report some 31th time with out my permission through Experian credit agency XXXX TX XXXX I File a compliant with consumer financial protection bureau. the company contact me and stated that they would remove this inquires but failed to contact Experian to ask them to remove these unauthorized inquire. please make them remove these inquire 31 time. this is the second time that I have file a compliant against this company.

Company response to consumer: Closed with explanation