vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
In 2018 I opened a XXXX account. My email address is XXXX. I made a few purchases on the y XXXX account which I paid monthly. However in XXXX I got a call from XXXX on which the lady informed me that my payment was missing. I said that's impossible my account should be paid off. She said you have a {$700.00} balance I said no she said what is your email I went ahead to verify my email. She said not its XXXX, she verified my last 4 of my social. I explained it was not my email address. She said they would do some investigation and get back to me. So last week I got a call last week my account is past due I was I said impossible. She informed me that I should make a payment before Thursday. I was puzzled. Today I received a collection letter from convergent starting they are willing to settle my account and the balance was XXXX. With a settlement balance. I called Convergent and she said the very same email as mentioned earlier. I don't know who email it is, and certainly not mine. The spelling of my name is correct and address. I tried reaching our to XXXX report this fraud on my account. I need help in resolving this situation. This is fraud against my social security number and 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 2019-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I tried to get free annual credit report via XXXX XXXX XXXXXXXX. However after several trials ( via web and phone XXXX XXXX ) and to contact customer service. There was no any success to receive either credit report or help on matter. Therefore it seems that Trans Union practices to provide required services are questionable and need further investigation by proper authorities.

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 2019-07-16 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: TX

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

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 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
2 charges were withdrawn from my checking account not authorized by me from my USAA checking. 1- XXXX XXXX for XXXX  dollars an XXXX-XXXX the same day. XX/XX/2019 USAA also removed XXXX from my account an reversed the XXXX Credit overdrawing my account. Ive also been put on a 6 month probation period whereas every deposit made have to wait 7days to clear. I mobile deposit frequently an the funds use to be available immediately : I Been WRONGED an need help to get back my money. My Identity was stolen an Ive contacted the 3 credit bureaus

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-16 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: IL

Complaint narrative:
To whom This may concern I never was in ambulance and went to the Hospital and XXXX and Equifax are reporting wrong information on my credit report. this is Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I previously had an account with Synchrony Bank XXXX XXXX XXXX XXXX ) and the account was sent to a debt collector XXXX XXXX I, XXXX. The account has been paid in full and I was sent a confirmation letter stating this. It also states that I no longer have any further obligation on the referenced account. I really need this to be removed from my credit report ASAP. Thanks

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 2019-07-16 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: AES/PHEAA
State: UT

Complaint narrative:
In XX/XX/XXXX, I ran my annual free credit report with all three credit reporting companies. I noticed that PHEAA/FED LOAN SERVICING was reporting me " 90 Days Past Due '' in XX/XX/XXXX. For all months leading to that date ( XX/XX/XXXX and earlier ) and all months after ( XX/XX/XXXX to present ), PHEAA/FED LOAN SERVICING reports " ND - No data for this time period. '' This is a parent plus federal education loan ( s ) for my daughter 's college education. She began college in XX/XX/XXXX and continues as a full-time student today. Her expected graduation is XX/XX/XXXX. Any payments towards this loan ( s ) is deferred until she graduates, or stops attending college full-time. Other than traditional summer breaks she has attended full-time continuously since XX/XX/XXXX. 

She did transfer from XXXX XXXX University after the XXXX school year to XXXX   XXXX University for the XXXX school year ( and until graduation ). We submitted paperwork to PHEAA/FED LOAN SERVICING notifying them of the change. When I received an invoice requesting a payment, I immediately contacted PHEAA/FED LOAN SERVICING and they said they had the paperwork informing them of the change but it would take 60-90 days to update in their system. In my opinion, this issue may be the cause of their reporting error. 

I did not owe a payment in XX/XX/XXXX. I HAVE NEVER OWED A PAYMENT TO DATE. Therefore, they must correct the XX/XX/XXXX payment they are reporting. I disputed through all three credit bureaus who contacted PHEAA/FED LOAN SERVICING who responded back with the same exact incorrect information regarding XX/XX/XXXX. When I called PHEAA/FED LOAN SERVICING directly their response was " dispute it through the credit bureaus ; '' which is unacceptable. I did upload a general complaint form directly to PHEAA/FED LOAN SERVICING that has resulted in no change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit System failed to contact me about the debt they have allegedly ascribed to my name. I never received a phone call, any mail, nor other written notice - I had no idea this existed. I am currently in the process of validating the debt after I discovered it via checking my own credit report independent of any formal notice from National Credit System.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: MS

Complaint narrative:
Equifax is incorrectly reporting ( 2 ) collections in the amount of {$25.00} partial account numbers XXXX and XXXX. ( Please see page 13 of the attached credit report. ) These collections are allegedly from doctors visits last year for when a baby was delivered. I did not have a baby last year. My last name used to be XXXX. They have me confused with someone else whose last name is XXXX and has gone to the same hospital I had gone to in the past. These collections are not mine. I have contacted the bureau to have this line item removed from my credit report, however I have been unsuccessful. This incorrect reporting is harming my credit score and these line items need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 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: NJ

Complaint narrative:
I have sent 3 dispute letters to this credit bureau in the past 3 months revolved unverified information being reported in my credit report. I asked for an investigation and for a method of verification for the unverified accounts being reported and the credit bureau has not provided me with that information and is still reporting those unverified erroneous accounts.

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 2019-07-16 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 — Problem with personal statement of dispute
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
Arvest Central Mortgage is reporting that the account that was held by my wife and I was " discharged through Bankruptcy '' and it was not. The account ( {$110000.00} ) was sold to another lender prior to us filing for BK and last reported on XXXX-14 by Arvest as it states on the credit report. The date we filed Bankruptcy was XXXX-14 and as you can see there is no possible way it could have been included in the bankruptcy as it was filed one month after Arvest Central Mortgage sold the loan to another lender. Even the new lender posted it as paid in full after we paid it off. I have disputed this information at least 4 times 2 online and 2 by phone and they will not take off the discharged through bankruptcy. This account was Paid in full and never late! The only thing that was ever changed was they added the words in the comment section Purchased by another lender. because of this it shows up as a negative item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Problem with chase bank and XXXX XXXX. I have clear title on my property. XXXX XXXX   claimed they did a foreclosure on XX/XX/XXXX. It was done by XXXX XXXX XXXX. I do not have an account with XXXX XXXX. This start in XX/XX/XXXX with Chase calling me telling me that they were the servicing company. It turns out they were not they were just collecting money from. As I looked into this XXXX XXXX kept appear on the documents.the name on the documents. When I did check  they had nothing to do with me either. XXXX XXXX took me court using the law firm of XXXX XXXX. They first start this action as work for CHASE but the documents said XXXX XXXX on them. XXXX XXXX  XXXX started with CHASE but when they filed the fake foreclosure paper under XXXX XXXX. They just switched without giving me any notice of the change. XXXX XXXX XXXX was to be trustee in this matter in there documents. Contacted them they said they never received any documents in this matter. They stayed they no interest in the property. I check my title I have no liens. But the attorneys for XXXX XXXX  claim they did a foreclosure. They had fake conveyance feed from XXXX XXXX XXXX. Which stated that they have no interest in the property. The created them selves. The never did a foreclosure, but went post foreclosure. Went to court on this matter showed judge title of ownership he ignored it and there attorney show no proof of anything, but the judge have a writ of ejectment. Which says they have to show proof of ownership first. They never showed anything. About 20 sheriffs came kick me and my child out of the house took every thing I own and my business. Now I am XXXX   for last 3 months. Now they are trying to sell my property again ( XX/XX/XXXX ). I need help with this matter. They texted me court date to find when where. They could not find. It just says XX/XX/XXXX at XXXX. But no case is outstanding. They have been trying to change documents to read Chase and do another fake sale. Help please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Penfed has inaccurately reported information to the credit bureaus. I have disputed the information reported numerous times and have also spoke with a supervisor concerning the documents I submitted to them not being returned with a contact person, name, contact info etc. This issue remains ; I have never paid 30 days past due. I make payment through the Penfed app and payment the amount the app reads due. Penfed is reporting that I missed a payment when I in fact did not and is refusing to correct the inaccuracies. Penfed also will not take accountability for their App showing amounts due that may differ from their accounting. My credit should not suffer for company mishaps, whether human error or computerized.

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 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
Barclay I'm filing a formal complaint via the CFPB website. On XXXX XXXX, 2019 you reported to all XXXX credit reporting agencies. XXXX charged off account ending in ( XXXX XXXX & XXXX How ever after reviewing my credit file I found several violation of the FCRA. & FDCPA you failed to report that the accounts was sold Transferred to 3rd party debt collected. per the FCRA this is a violation I asked that you delete account XXXX / XXXX immediately or I will take Legal action for {$XXXX} per account on each reporting agency. if the account are not removed from my credit files because this is unfair reporting on your behalf. 
Violation # 2 both accounts XXXX XXXX are reporting balances if you have sold this account to XXXX XXXX XXXX XXXX you DO NOT have the right to still report the balance since you are no longer the Owner of the accounts again you could be fined {$XXXX} for violation the FCRA. again please delete these account from my credit files ASAP for violation! and Unfair reporting. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be or deleted immediately.

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 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RAB PERFORMANCE RECOVERIES, LLC
State: MI

Complaint narrative:
RAB performamce received a judgement against me for {$6200.00} on XX/XX/06. I never received notice of this hearing, and never had a chance to dispute or question the amount. Now RAB performance is demanding over {$14000.00}. I have called them many times and the will not offer any information or explanation. I am not even sure what this debt if from, they will not offer me any proof of that is amount is from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On or about the XXXX of this year, I closed a blue cash card with American Express, after calling and asking them what the payoff is. 
In XX/XX/2019, I received a notice that American Express reported me to XXXX, XXXX, and XXXX for non payment. I called American Express and discovered that they had reported me for {$4.00}, however, they stated that they showed I had paid it and not to worry about it. 
Last week, I received notice from all three companies that I was AGAIN being reported for non-payment of the {$4.00}. I called American Express and AGAIN they told me not to worry about it, that they had taken care of it. 
On XX/XX/2019, I received a bill from American Express for {$4.00}. I decided I would just go ahead and pay them again, however they did not give me an account number. They only gave me the last few digits. Accot. ending in XXXX. The rep said she could not accept payment because the account was closed and in good standing. 
I immediately filed a dispute with XXXX, XXXX, and XXXX. XXXX sent me an email atating they had made a decision. When I tried to get the results on line, I was unable to get them, so I called. The XXXX  rep and her supervisor, refused to give me the results because when they asked their so called, " security questions '', they asked if I had a mortgage ... I do not. My house was paid off years ago, they were dissatisfied with my response and REFUSED to tell me the results of the dispute. They stated if I wanted to know, I would need to write XXXX. XXXX   has only given me 30 days to respond to them ... the time it would take for me to hand write them and for them to give me a response, will far exceed this time limit. 

Can you help me, please??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has refuse to send me verification of a debt collector name XXXX XXXX that has been reporting on my credit report that account does not belong to me and i have no knowledge of that account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: GA

Complaint narrative:
I was checking my credit report because I want to get a new car and wanted to know my chances of getting approved. while checking I notice some items that were still on my credit that I did not approve of. I have reaced out to the FTC and to my local police department. I am doing this all on my own. Again these items are not mine and I need them removed from my credit report.XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I rented a unit from XX/XX/XXXXXX/XX/XXXX located here in XXXX, KY, I was forced to vacate the unit and did not stay until the lease expired. But my complaint here I do not agree with the amount being reported on my credit. I have asked repeatedly to get a complete break down of the total {$2800.00} being reported on my credit file. No one from National Credit Systems ever responds to my dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: KEYCORP
State: UT

Complaint narrative:
Key Bank accounts # XXXX and # XXXX are reporting a debt I do not owe. These accounts are past the statute of limitations. These should no longer be on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: GA

Complaint narrative:
I was checking my credit report because I want to get a new car and wanted to know my chances of getting approved. while checking I notice some items that were still on my credit that I did not approve of. I have reaced out to the FTC and to my local police department. I am doing this all on my own. Again these items are not mine and I need them removed from my credit report.XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX 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