vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This card was payed off at the end of XX/XX/XXXX and someone started making purchase s in XX/XX/XXXX that I wasn't aware of and then they defaulted on it in XX/XX/XXXX.i wasn't aware of these fradulent charges untill recently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Received credit report from Experian XXXX for XX/XX/XXXX. Inquiry was made by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, phone XXXX. I called the phone number a voice came on and said what is your social security number with no explanation. On XX/XX/XXXX I sent a letter to the company requesting why they obtained my credit report. The company has not responded. I do not recognize this company.

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 2018-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have tried to dispute the validity of the loan with Navient and was declined in XX/XX/2017 then today showing on my credit report just 1 of the multiple loans increased over {$600.00} and no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This card was payed off in XX/XX/XXXX and then someone made purchase s on it in XX/XX/XXXX and then defaulted on it in XX/XX/XXXX and I wasn't aware of these fradulent charges till recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
The problem : I negotiated with Chase to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a 1XXXX and I would claim this as income on my tax returns. Chase verified they canceled the account, but is still reporting this account as late each and every month since 2012 even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am 90+ days late EVERY month. This needs to be fixed. I have attached the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Received credit report from Experian XXXX for XX/XX/XXXX. Inquiry was made by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX, no phone number given. Letter sent to the company XX/XX/XXXX requesting why they obtained my credit report. No response has been given. I do not recognize this company.

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 2018-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
I have no knowledge of who this company is or what this debt is. I have never received a letter or a telephone call from this company that I owed this debt or that it was being reported to the credit bureaus which is a violation of FDCPA 809 ( a ). This debt just popped up on my XXXX and XXXX  credit reports. I was never given the right to dispute it or validate it or anything. Therefore I am requesting that it be removed from both of my credit files immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The problem : I negotiated with XXXX to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a 1099-C, and I would claim this as income on my tax returns. XXXX verified they canceled the account, but is still reporting this account as late each and every month since XX/XX/XXXX even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am XXXX days late EVERY month. This needs to be fixed. I have attached the proof.

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 non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The problem : I negotiated with XXXX to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a XXXX, and I would claim this as income on my tax returns. XXXX verified they canceled the account, but is still reporting this account as late each and every month since XX/XX/2012 even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am 90+ days late EVERY month. This needs to be fixed. I have attached the proof.

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 non-monetary relief
Consumer complaint received 2018-04-27 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: MI

Complaint narrative:
I have had trouble with navient for quite some time. I don't know if I'm one of the people that has been hustled from them but I know my time with them has been a struggle. This past winter they took out two payments and I had to go through hoops to get a payment back. They even tried to say that they have no record of it. Their information they gave me over the months was very inconsistent. They changed my payments without telling me as well. I was paying {$40.00} a month with such high interest that nothing was getting knocked off my total debt. They recommended this much for me and told me that with the income based debt deal, the interest would go down and it would make a small dent overtime. But my bill kept getting higher and I didn't know how. But as I said they changed it without telling me to XXXX a month based off the same income that I had before and didn't have a good reason as to why that's the lowest they can go. I feel like my total amount due should be much less than it is to this day and they somehow screwed me. I'm also angry that they're taking {$100.00} a month and it doesn't seem to be doing much. I complained about them not telling me and they gave me a bunch of excuses and didn't give me good reasons to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: OH

Complaint narrative:
This card was payed off in XX/XX/XXXX and there were charges made on it inXX/XX/XXXX then the card was defaulted on in XX/XX/XXXX these are fradulent and I wasn't aware of them till recently.

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 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: U.S. BANCORP
State: CT

Complaint narrative:
Talked to XXXX of card member services @ XXXX XX/XX/18 and XXXX XXXX XXXX XXXX @ XXXX XX/XX/18 regarding my credit card which they closed and regarding the increase in interest rate. XXXX stated that I should have gotten a separate letter stating my promotion ended on my credit card. I was never notified of this therefore shouldnt have to pay the increased interest rate.

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 2018-04-27 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: CITIBANK, N.A.
State: TN

Complaint narrative:
My XXXX 's account is reporting incorrectly to the credit bureaus. XXXX XXXX has not aided in fixing the errors which the credit bureaus require. The account was closed in XX/XX/2012, and I received notification that it was sold to XXXX  recovery and to settle my account with XXXX with XXXX or XXXX. The proof is attached. Upon satisfying my account, the balance was changed to {$0.00} but the account is still to this day reporting as 90 days late each and every month since XX/XX/2012 even tho there is {$0.00} balance and they transferred the debt!. I can't be late on a {$0.00} balance owed, and further since XXXX 's gave or sold this account to XXXX ( attached ) - they should not be reporting anything at all to 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 2018-04-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Received credit report from Experian XXXX for XX/XX/XXXX. Inquiry was made by Experian/XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. No phone number given. Letter sent to the company XX/XX/XXXX requesting why they obtained my credit report. The company has not responded. I do not recognize Experian/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 2018-04-27 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: CA

Complaint narrative:
Date PAID : XX/XX/2018 Amount paid in full {$500.00} Company : XXXX XXXX XXXX My problem is with TransUnion. within the last two month, they are reporting information that should be updated to pay and closed. but the information read as a collection/charged off on my report. I had sent in proof that this account was paid in full.and the status of my report should a positive on my credit report and my credit score should go up. Can you please look into this problem. thank

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 2018-04-27 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: TN

Complaint narrative:
My XXXX 's account is reporting incorrectly to the credit bureaus. XXXX 's has not aided in fixing the errors which the credit bureaus require. The account was closed in XX/XX/2012, and I received notification that it was sold to XXXX recovery and to settle my account with XXXX with XXXX or XXXX. The proof is attached. Upon satisfying my account, the balance was changed to {$0.00} but the account is still to this day reporting as 90 days late each and every month since XX/XX/2012 even tho there is {$0.00} balance and they transferred the debt!. I can't be late on a {$0.00} balance owed, and further since XXXX 's gave or sold this account to XXXX ( attached ) - they should not be reporting anything at all to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: TN

Complaint narrative:
My XXXX 's account is reporting incorrectly to the credit bureaus. XXXX XXXX has not aided in fixing the errors which the credit bureaus require. The account was closed in 2012, and I received notification that it was sold to XXXX recovery and to settle my account with XXXX  with XXXX or XXXX. The proof is attached. Upon satisfying my account, the balance was changed to {$0.00} but the account is still to this day reporting as 90 days late each and every month since XX/XX/2012 even tho there is {$0.00} balance and they transferred the debt!. I can't be late on a {$0.00} balance owed, and further since XXXX 's gave or sold this account to XXXX ( attached ) - they should not be reporting anything at all to 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 2018-04-27 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: CA

Complaint narrative:
At the beginning of XX/XX/2017 I discovered that I had become a victim of Identity Theft and someone unknown to me had used my personal information to get credit cards, medical attention and personal loans under my name from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the items immediately and Equifax stated that the items are under investigation and XXXX has done nothing. 30 days have passed and I sent my SECOND request to Equifax and XXXX, Equifax stated again under investigation and XXXX  has again done nothing which is why I decide to come here for help, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The credit card company said that I owed some money in the past and they have reported it to collections which have negatively affected my credit score very much. I want the debt to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
There is a student loan account from NAVIENT SOLUTIONS that is reporting late payments from when I was enrolled in school full time and should have reflected deferred payment, NOT late payments. It's correct that I did settle the account for less then the high balance of {$8400.00} after negotiation with NAVIENT per my family hardship - but it is NOT correct that I was ever late ; as these payments would have been deferred since I was in college at the XXXX XXXX XXXX in XXXX XXXX Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: CA

Complaint narrative:
At the beginning of XX/XX/2017 I discovered that I had become a victim of Identity Theft and someone unknown to me had used my personal information to get credit cards, medical attention and personal loans under my name from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the items immediately and XXXX stated that the items are under investigation and Transunion has done nothing. 30 days have passed and I sent my SECOND request to XXXX and Transunion, XXXX stated again under investigation and Transunion has again done nothing which is why I decide to come here for help, please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
Originally been disputing this debt for XXXX with XXXX since XX/XX/XXXX. I contacted XXXX that the account is a fraudulent account and it is not mine. XXXX added the collection that was previously on my report updated as a NEW account and my credit score dropped 38 points. I contacted a XXXX and was told XXXX sent the collection to Aargon Collection Agency ; which they noted and did not contact me a request for me to verify the debt. This collection was filed on the FTC report and which was faxed to XXXX thats when the turned over to the collection agency after I have disputed the account which is a XX/XX/XXXXaccount

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 2018-04-27 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I missed some payments with this credit card company sue to some financial hardship at the moment. Immediately they reported the missed payments to the credit bureau by putting the amount outed into collection which damaged my credit very badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX My Social Security income was suddenly decreased. I called Bank of America for # XXXX. They said my problem was to maintain shelter and food. The card was closed on XX/XX/XXXX. It has been 7 years, but they decided to put it on my credit report again, knowing I am XXXX XXXX XXXX  XXXX. That is a continual hardship for which I have no solution. Bank of America has gone to court with the government and received a mere " slap on the wrist '' for the way they have treated customers. This account was charged off, is over 7 years old, and should not be listed on my current credit report for 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 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There is a student loan account from XXXX XXXX that is reporting late payments from when I was enrolled in school full time and should have reflected deferred payment, NOT late payments. It's correct that I did settle the account for less then the high balance of {$8400.00} after negotiation with XXXX per my family hardship - but it is NOT correct that I was ever late ; as these payments would have been deferred since I was in college at the XXXX XXXX XXXX in XXXX XXXX Florida.

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