vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 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: MI

Complaint narrative:
XXXX XXXX XXXX has 5 accounts reporting on my credit report that should no longer be there, and the 3 CRA have not removed them. 

The amounts are as follows ; {$250.00}, {$360.00}, {$250.00}, {$250.00}, {$100.00} and {$0.00}. Please furnish an explanation for why the report is still there, or please remove. 

XXXX XXXX has an account with a balance of {$400.00} that should no longer report on my account, please furnish an explanation or remove. 

And, finally XXXX XXXX is reporting a {$140.00} account that should no longer report on my account please furnish an explanation or remove.

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 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid off my balance in full and capital one continued to charge me interest and can not prove why after paying off the balance I was billed more interest. I asked for a manager in the escalation department and was refused. I spoke to XXXX and she told me that her manager XXXX does not speak to customers, I was not assured that I would not be charged interest on the current interest capital one has assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: MI

Complaint narrative:
XXXX XXXX XXXX has 5 accounts reporting on my credit report that should no longer be there, and the 3 CRA have not removed them. 

The amounts are as follows ; {$250.00}, {$360.00}, {$250.00}, {$250.00}, {$100.00} and {$0.00}. Please furnish an explanation for why the report is still there, or please remove. 

XXXX XXXX has an account with a balance of {$400.00} that should no longer report on my account, please furnish an explanation or remove. 

And, finally XXXX XXXX is reporting a {$140.00} account that should no longer report on my account please furnish an explanation or remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: MI

Complaint narrative:
XXXX XXXX XXXX has 5 accounts reporting on my credit report that should no longer be there, and the 3 CRA have not removed them. 

The amounts are as follows ; {$250.00}, {$360.00}, {$250.00}, {$250.00}, {$100.00} and {$0.00}. Please furnish an explanation for why the report is still there, or please remove. 

XXXX XXXX has an account with a balance of {$400.00} that should no longer report on my account, please furnish an explanation or remove. 

And, finally XXXX XXXX is reporting a {$140.00} account that should no longer report on my account please furnish an explanation or remove.

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 2020-08-12 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As a consumer I am doing everything to keep my credit score high. On XX/XX/2020 I get an email that my score went up to XXXX. It said I had no negative factors affecting my score. It says low revolving debt and no late payments. It shows how much I owe in credit card debt {$170.00}. The total amount of debt of I owe is {$500000.00}. I have a student loan, home and a car. For the last 2 years the debt total has been this high but I have been paying on time, so I don't have any negative marks on my credit. On XX/XX/2020 I got an email saying my score went down 25 points. I have a screenshot of the report. it doesn't say why it went down but My credit card debt went down to {$0.00}. The total debt I now owe is {$500000.00}. Ince I complaint, my profile was updated to show " what is hurting my score is loan balances. " The remaining balances on your installment loans is too high '' .This should not effect my credit in a negative. So I called Experian. I have been keeping up with all my payments so I don't understand why it went down. They said I needed to contact XXXX   score. Then I called XXXX Score and they said they have nothing to do with Experian and Experian has their own scoring system which is called XXXX XXXX  XXXX. Then I called Experian and they said because I have have a high amount owed to student loans and my house. But I have the same amount of debt and I had a score of XXXX XXXX weeks earlier. They said the system does the scoring. This is bad practice and illegal activities. They need to be investigated. They then updated my profile 4 times in one day. But i was told they only update once a month.. 
The problem here is that with the same total debt, experian is giving me 2 scores. Please help fix this problem

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 2020-08-12 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: NJ

Complaint narrative:
I have contact Transunion, XXXX  and XXXX  and have notified them of the hard inquiries on my report that I am not familiar with and no action has been taken.

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 2020-08-12 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: NJ

Complaint narrative:
I have contact XXXX, Equifax and XXXX  and have notified them of the hard inquiries on my report that I am not familiar with and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
Repeated calls before XXXX and after XXXX after I asked to not be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE BANK USA, XXXX XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX refuse to follow federal laws I have dispute and ask for a verification of debt. I have been told to go XXXX myself! by this company refuse to respond to anything tried to dispute with XXXX  XXXX XXXX told them its verified never did anything liars

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I have contacted One Main Financial at the beginning of XX/XX/XXXX to get a permanent loan modification for account number XXXX. It would lower the interest rate and lower the payments monthly for me. When i first called to apply, I was given a hard time by the first rep i spoke with. The rep asked me " What is my medical condition? That would justify a loan modification. " That is a HIPPA violation i explained to the rep. He proceeded to say, " we have an interest to know what the medical issue is because I have an unsecured loan with One Main. Basically saying they have a right to know. I asked for a supervisor. I was then in contact with XXXX XXXX throughout most of the duration. She took my application over the phone and noted the account accordingly. I then waited a few days. I spoke to a rep in customer service who advised I would need to fax in proof of medical expenses from a bank account with 2 months worth of statements. I explained I either pay in cash at the doctors or with a credit card. Otherwise, my bank account would be in the negative. I would have a deficit of income if i didnt pay with credit card. On XX/XX/XXXX my modification was denied due to not meeting the guidelines as there is no reduction in income. I have {$13000.00} in medical bills, 12 payment plans with various doctors. There may not be a reduction to my income yet, but there will be within the next month. I am on FMLA and I am required to use all my paid time off first, once that is exceeded then the time off is unpaid. I have various doctors appointments almost every other week. With that said, my hours will be reduced without pay. Im trying to be proactive and get a jump start ahead on this matter before it damages my credit rating. on XX/XX/XXXX I was able to get One Main to let me make a deferment payment to get me current for now. I will be past due again after XX/XX/XXXX and unable to make the payment in full. One Main does not care about my financial situation and does not care if i can make anymore payments. They proved that by denying the loan modification. Eventually, this loan will be closed, and charged off and sent to collections due to them not helping me during this time of pandemic with my health issues and covid-19. The account number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 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: OH

Complaint narrative:
I have read Experian 's response to my complaint dated XX/XX/2020. Yet my question wasn't answered about them claiming I have 1 delinquent account " hurting my score. '' I received Experian 's credit report by mail. The credit report is absolutely correct, with 100 % of the accounts in good standing and zero accounts are delinquent. I thought for sure Experian would update my profile. I have a monthly active membership with Experian so I figured I would log in to see. Sadly, here is what I found on my profile page with experian : XXXX Serious delinquency You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. 

Number of your accounts that were ever 60 days late or worse or have a derogatory indicator 1 account The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late payments are more likely to pay late in the future. As these items age, they will have less impact on the FICO Score. Most late payments stay on your report for no more than seven years.

Virtually no FICO High Achievers have a 60 days late payment or worse listed on their credit report. 


Few accounts paid on time You have few accounts that are in good standing. 

Number of your accounts currently being paid as agreed 7 accounts The FICO Score considers the number of accounts showing on time payments. Compared to other people with a similar age of credit history, the number of accounts you have that are currently paid as agreed is low.

FICO High Achievers have an average of 6 accounts currently being paid as agreed. 

XXXX**** Let me make it simple. Do I have a serious delinquency? True or False?

Is your credit report that shows I have zero delinquent accounts accurate? True or False? Side note : I keep my own records, I have never been delinquent in my entire history, and Experian 's report indicates that fact correctly. 
You say, " FICO High Achievers have an average of 6 accounts currently being paid as agreed. '' Is that statement true or false? I ask, because I have 7 account in good standing, which is MORE than 6, but still somehow it is " hurting my score?? '' Thank you in advance for clarifying the contradictory statements in my Experian credit profile and then correcting them to be accurate and non-contradictory.

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 2020-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimball Tirey & st J have put multiple accounts on my credit refuse to follow ANY federal laws refuse to validate any accounts refuse to respond make threat against and call my elderly mother and demand XXXX in payments on a account that hasn't even been validate or showed proof I owe total XXXX XXXX  telling me were lawyers we can do want ever we want this company has contact my family telling them Im a " XXXX XXXX '' and a " XXXX '' and give them personal information and spending slanderous and defamation even tell my kids dads a " XXXX '' and doesn't pay his bills even call my kids cell phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hired XXXX XXXX XXXX on XX/XX/XXXX, they challenged XXXX, XXXX, and Experian. They are refusing to remove what's past statue of limitations which includes all my student loans, XXXX XXXX XXXX XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX. The ones that has the same dates are different charges

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 2020-08-12 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: Kriya Capital, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I mailed a certified letter to Credence Resource Management on XX/XX/2020 disputing the collection account for a XXXX XXXX  account in the amount of {$320.00}. By the way, I do not ever recall having a XXXX XXXX account. I received a response letter from Credence Resource Management dated on XX/XX/2020 stating the account has been recalled from their office and returned back to XXXX XXXX on XXXX, please see the attached documents. 

This account was then bought by XXXX XXXX XXXX agency as it showed back up on my credit report within a few weeks. I mailed a certified letter to XXXX XXXXXXXX on XX/XX/2020. The certified mail receipt number is XXXX XXXX XXXX XXXX XXXX and was received by XXXX XXXX  Collections office on XX/XX/2020 at XXXX per the United States Postal Service tracking site. To date, I have not received a response from XXXX XXXX they have not provided any documentation to prove that this collection account belongs to me. I also created a dispute with XXXX  and they are stating that it has been verified ; however, again, no documentation has been provided to me to support their claim. 

This complaint is in regards to XXXX XXXX XXXX as no response has ever been provided to me. It is my understanding that if validation is requested, the collection company must respond within 30 days or delete it from my credit report. 

IF THE PRIOR COLLECTION COMPANY, CREDENCE RESOURCE MANAGEMENT WAS UNABLE TO VALIDATE THE DEBT, HOW IS XXXX XXXX XXXX ABLE TO VALIDATE THE DEBT?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I recently received a statement from Synchrony Bank showing a past due balance on an account I never had. Although I responded to the request for payment, I am called on my home and cell phone daily, some days I receive multiple calls. Daily negative reports are made to credit reporting agencies after Synchrony Bank acknowledged they received my response. There is a history of fraudulent on my credit cards involving Synchrony Bank and XXXX. I have prepared a detailed timeline of these events.

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 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i notified the company XX/XX/XXXX that i had been a victim of identity theft for a account that was opened on the date of XX/XX/XXXX in the amount of {$1100.00}. I told the company to please stop contacting me via calls and forwarding me mail regarding the fraud accounts. The company stated they conducted a investigation and that the account were valid and continued to call me and threat me via a 3rd party collection company ... they have been using disrespectful abusive language ( saying they will come and find me, and they will make my credit drop to XXXX tomorrow ) and i will no longer allow this. I no longer feel safe at my home address. The company has stated they do not care and i owe the amounts so they'll call as much as they like..i sent the company my FTC Report and i sent they information for my Identity Theft. I have also just sent a letter to the Attorney General over this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
this company refuse to tell me anything about a debt that's from another side of the world I dispute with XXXX comes back verified even through when I call this company direct there no answers or responds!!??????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I notified National Credit Systems and paid off a debt of {$980.00}. I was assured by National Credit Systems that they would in fact reach out to the CRA to have this negative collections removed from my credit report. As of XX/XX/2020 this is still reporting on my XXXX  credit report.

Company response to consumer: Closed with explanation