vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Ive tried to get them to lower my monthly payment, after doing the financial work up they determined that I do not make enough but still wanted me to pay an amount I cant afford and told me its a business so they will default me. 

Ive done repayment plans in the past and they randomly kicked me off and up payments XXXX more each time. 

They refuse to give any deferment or forebarence

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
XXXX Conventional real estate mortgage Amount Past Due {$860.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$830.00} Term 360 Months Payment Frequency Monthly ( every month ) On Time Payments 92 % Date Reported XX/XX/XXXX XX/XX/XXXXPayment Status 30 Days Late Amount Past Due {$860.00} Lender Info XXXX XXXX XXXX XXXX XXXX, PR XXXX Remarks Affected by natural disaster. 

THIS INFORMATION IS FALSE THE ACCOUNT IS NOT LATE THE BANK ACTUALLY OWES ME MONEY AND THEY ARE SENDING FALSE INFORMATION AND AFFECTING 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 2018-05-31 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
In XX/XX/2017 I contacted Navy Federal Credit Union via telephone asking them to remove a credit card account listed on my report that does not belong to me. The balance on this account is {$3500.00} with a limit of {$4000.00}. I was added as an authorized user without my knowledge. This account does not belong to me. 

The response I received stated that they were unable to remove the account so it is now listed on my credit report. The act of not removing this account from my credit report has caused unjust credit determinations and has lowered my overall credit score. I am requesting that this account be immediately deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been going back and forth we Equifax since XX/XX/XXXX XXXX we are now in XXXX which there is an awkward stuff on my credit report not to mention I did not make my profile my profile was made through the person who made which I left me and a very bad position I am now trying to correct

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: PA

Complaint narrative:
In XX/XX/2017 I contacted XXXX XXXX XXXX XXXX via telephone asking them to remove a credit card account listed on my report that does not belong to me. The balance on this account is {$3500.00} with a limit of {$4000.00}. I was added as an authorized user without my knowledge. This account does not belong to me. 

The response I received stated that they were unable to remove the account so it is now listed on my credit report. The act of not removing this account from my credit report has caused unjust credit determinations and has lowered my overall credit score. I am requesting that this account be immediately deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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: PA

Complaint narrative:
On XX/XX/2017, I mailed a letter to Experian asking them to remove a XXXX XXXX XXXX XXXX account listed on my report that does not belong to me. I was added as an authorized user on this account without my knowledge and asked Experian to remove the account. The balance on this account is $ {$1900.00} with a high balance of {$2000.00}. 

The response I received stated that the account was verified and accurate and was not removed. The act of not removing this account from my credit report has caused unjust credit determinations and has lowered my overall credit score. I am requesting that this account be immediately deleted 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 2018-05-31 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: MI

Complaint narrative:
There are 10 inaccurate accounts that are potentially negative being reported on my Experian credit report. One account in particular that's being reported has been extremely harmful to my credit in general. The account is fraudulent and has never been verified under FCRA. I have disputed this account several times to no avail. Now this account has somehow merged into 9 other accounts on my report which is illegal. I am referencing an account placed by XXXX XXXX XXXX. This account is being reported although it has not been verified. XXXX can not provide any evidence of a valid contract between them and I. They can however provide my information on an application but not a valid contract, a lease agreement or finance papers to prove its validity. In addition to being a false account, the account is very very old, the contract date is XX/XX/XXXX. This account is over 10 years old. This account should have been removed in XXXX by law. Experian has refused to delete this account and now it has somehow merged with 9 other accounts. That's 10 false accounts are causing irreparable damage to my credit. I have attached copies of the accounts which shows the false inaccurate 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 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2017 I sent a letter to Transunion requesting that they update my personal information as they had listed incorrect names and addresses for me. I asked them to delete these names/name variations and addresses as my name and addresses, as reported on my social security card and driver 's license was the name and address that should have been listed on my credit reports. 

As a result of my request, Transunion informed me that they would not remove these names and they still remain on my report to this date.

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 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MO

Complaint narrative:
I am filing this complaint in regards to an account that is being reported on my credit report by this collection agency. They brought this alleged debt from a different collection agency that in terms had no right to collect so they withdrew from collecting and now this collection agency is reporting on my credit report in violation. They did not send me any notification or any chance to even dispute this account that they are reporting under my social security number. if they claim to have send me something i would like to know what the tracking number is so that i can track where this was send to because this is a clear violation of my rights and i want this XXXX XXXX account removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Their was no collection attempt made to notify me of the balance before placing this account on my credit as a collection. The amount reported to the credit bureau is not correct also the date reported is not correct as well. They are over charging for unknown items. This company does not own the account and my personal information was submitted to a thrid party for collections. Again no collection attempts was made before placing the account on my credit as a collection item.

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 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2017 I sent a letter to XXXX requesting that they update my personal information as they had listed incorrect names and addresses for me. I asked them to delete these names/name variations and addresses as my name and addresses, as reported on my social security card and driver 's license was the name and address that should have been listed on my credit reports. 

As a result of my request, XXXX informed me that they would not remove these names and they still remain on my report to this date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2017 I sent a letter to XXXX requesting that they update my personal information as they had listed incorrect names and addresses for me. I asked them to delete these names/name variations and addresses as my name and addresses, as reported on my social security card and driver 's license was the name and address that should have been listed on my credit reports. 

As a result of my request, XXXX informed me that they would not remove these names and they still remain on my report to this date.

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 2018-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Madams and Sirs, I have filed a complaint, Ref. No. XXXX, at your office about the cash deposit missing at The Chase in my checking account. I just got a denied claim from Chase due to the Branch I had the problem was closed that The are no longer able to review the video tape that I have requested to show my proof of my deposit at the Chase Branch XXXX. 

That is not fair for my because at the very early I had done ask the review of the video but the Manager of the Bank Branch did not do that. I knew that a problem That I sent the certified mails to The Manager of the Chase Branch XXXX and Manager of Dispute Department of Chase Bank on XX/XX/2017 to file complaints about my missing cash deposit. I got a letter from Executive Office, XXXX XXXX XXXX, XXXX, OH XXXX that they are in the process of investigating my concerns. 
After waiting for a while, I have not seen anything helpful even stopping by the local Chase bank. I filed a complaint at your office to ask for your help. Then The Chase contacted me again and sent me a denied letter due to the Branch I had problem was closing. 

That is not my fault. I did ask them very early, XX/XX/2017 about the review of the video tape. They did not do. Now, They said they are unable to help me due to branch closing. I would like to ask for your help about this complaint. I am sending documents that support my claims and would like to ask for your review and help. 

Thank you very much for your reconsideration and help. 

Respectfully yours, XXXX XXXX XXXX. No XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and NAVIENT with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have a loan with XXXXXXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXXXXXX XXXX XXXX  with no successful resolution. Equifax is only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018 and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: NJ

Complaint narrative:
On or around XX/XX/XXXX, I discovered that a company called XXXX added an entry to my Equifax credit report claiming I owe them approximately {$19000.00}. 

On XX/XX/XXXX, I sent XXXX a letter via Certified Mail Return Receipt, to the address for them listed on my credit report. 

The letter asked XXXX to verify the debt ( see attached ). They did not respond. 

After disputing this entry on my Equifax credit report, I received written notice from the bureau on XX/XX/XXXX ( attached ) that it was not reporting on my credit file. However, the XXXX entry was never removed. 

On XX/XX/XXXX, I sent a letter to Equifax via Certified Mail, Return Receipt ( # XXXX, letter and receipt attached ) indicating that I sent a letter to XXXX, received no response and therefore request again that the item be removed. I included a copy of the XX/XX/XXXX letter and the return receipt. 

Equifax responded that they would not remove the item, disregarding my documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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: TX

Complaint narrative:
The two accounts below are reporting on my XXXX and XXXX reports. Both accounts are over 10 years old and should be deleted. by law accounts over 10 years old are to be delete from credit report.

Account NameCAPITAL ONE Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$1000.00} past due as of XX/XX/XXXX.

Status Updated XX/XX/XXXXAccount NameCAPITAL ONE AUTO FINANCE Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$3000.00} past due as ofXX/XX/XXXX.

Status UpdatedXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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: TX

Complaint narrative:
The two accounts below are reporting on my XXXX  and XXXX reports. Both accounts are over 10 years old and should be deleted. by law accounts over 10 years old are to be delete from credit report.

Account NameCAPITAL ONE Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$1000.00} past due as of XX/XX/XXXX.

Status Updated XX/XX/XXXX Account NameCAPITAL ONE AUTO FINANCE Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date Opened1XX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$3000.00} past due as of XX/XX/XXXX.

Status UpdatedXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: TX

Complaint narrative:
All accounts with XXXX should be deleted. I have attached the XXXX forms fro all my XXXX accounts.

By law accounts given XXXX can not be reported on a credit report negatively.

Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$10000.00} written off.

Status UpdatedXX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX   Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$7600.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$3500.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX  Account NumberXXXX  Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$26000.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$4900.00} written off.

Status Updated 1XX/XX/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 2018-05-31 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: TX

Complaint narrative:
All accounts with XXXX should be deleted. I have attached the XXXX forms fro all my XXXX accounts. 

By law accounts given XXXX can not be reported on a credit report negatively. 

Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$10000.00} written off. 
Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX  Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$7600.00} written off. 
Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX  Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$3500.00} written off. 
Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$26000.00} written off. 
Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$4900.00} written off.

Status Updated XX/XX/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 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All accounts with XXXX should be deleted. I have attached the XXXX  forms fro all my XXXX accounts.

By law accounts given XXXX  can not be reported on a credit report negatively.

Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$10000.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX   Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$7600.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX  Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$3500.00} written off.

Status UpdatedXX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$26000.00} written off.

Status Updated 1XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$4900.00} written off.

Status Updated XX/XX/XXXX

Company response to consumer: Closed with explanation