vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Recoveries, Inc.
State: OH

Complaint narrative:
I was a victim of Fraud and I need to know if Nation Recoveries INC has a copy of the contact that makes them a Entity that can enforce a claim against my person. I have check my records and I don't have a notarized copy of the actually contract between U.S. Department of  Education. I dispute this account as not being accurate! I will be contacting the Ombudsman Group with the proper information. Please CEASE AND DESIST. T

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In XX/XX/2017, I contacted Equifax and ask them to correct the start date on an auto loan through XXXX XXXX. Instead of updating the information the entire record was deleted. I reached out to them by phone to fix the issue and was told that a representative from XXXX XXXX had to contact Equifax in order for the loan to be re-added to my credit file. On XX/XX/2017, I contacted XXXX XXXX and was told to fax them the request. I did the same day. XXXX XXXX sent me a letter on XX/XX/2017 stating that they had furnished the information regarding the loan to all 3 credit bureaus including Equifax. On XX/XX/2017, I sent a follow up letter to Equifax highlighting incorrect information on my report. I also asked them, again, to add the XXXX XXXX loan to my report. I included a copy of the XXXX XXXX letter in that correspondence. To this date, Equifax is yet to report the XXXX XXXX loan. That is approximately 3 years of on time payments that is favorable data for me that is being left off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
In summary : I have a VA loan with XXXX XXXX whose servicing is collecting my mortgage debt by Lakeview. The anniversary of the loan is XX/XX/2016 ( 3 yrs. ) For 19 months I paid {$720.00}, then 3 months {$690.00}, then for 11 months {$710.00}, NOW they want to bill me {$890.00}. Thats when I said ; I better take a look at what is happening here. They have asked me to pay {$1400.00} for a shortage in escrow. Then another time {$140.00}. So, I followed the steps required to stop escrow. I have been played for about a year. So, this year I decided to pursue the issue with greater attention. After carefully reading the documents I believe they just want the period to come to an expiration where the I Insurance request will lapse. 
I have searched high and low for some kind of r view for this company and have and no success. I wanted to know if others were having my issue, where THEY over pay the wind and hail ( XXXX ) and that is their fault which is passed on to me. THEY have also over paid the Home Insurance w XXXX. I have had conference calls w Mortgage and Insurance, but I keep getting no answers to my questions and I get no calls back when THEY say someone will look at this. Im waiting for them to make the proper adjustments. Please Help! XXXX or XXXX XXXX XXXX XXXX Names I have talked to : XXXX in Management, XXXX in Insurance and her Supervisor, XXXX in Escrow, XXXX in Customer service,

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 2019-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
There have been 3 occasions in the last 18 months where I was charged with a late fee, one of which was dismissed, the other two were not. There is a pattern here that I find disturbing. Every month I mail my XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, CA ) and Comenity ( XXXX XXXX XXXX, XXXX XXXX, TX ) at the same time as they are both due on the XXXX of the month. The receipt of payment for the two companies is interesting : XXXX and Comenity Sent XX/XX/XXXX XXXX received XX/XX/XXXX Comenity received XX/XX/XXXX ( late fee {$25.00}, dismissed upon contacting Comenity ) XXXX and Comenity Sent XX/XX/XXXX XXXX received XX/XX/XXXX Comenity received XX/XX/XXXX ( late fee {$25.00}, not dismissed upon contacting Comenity ) XXXX and Comenity Sent XX/XX/XXXX XXXX received XX/XX/XXXX Comenity received XX/XX/XXXX ( late fee {$34.00}, not dismissed upon contacting Comenity ) The post office tells me that the delivery to XXXX XXXX should be 3-5 days. My online research has indicated that Comenity is highly reported to charge late fees inappropriately. I find it very concerning that no matter when I send payment, it posts a shortly ( 2 times, 1 day ) after the due date. 

Since I am a semi-retired senior who is on a limited income and who values my credit rating, I will not be doing business with Comenity again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: IL

Complaint narrative:
CRA is in violation of several consumer protection laws.

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 2019-07-19 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: IL

Complaint narrative:
CRA is in violation of several consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 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: IL

Complaint narrative:
CRA is in violation of several consumer protection laws.

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 2019-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I wrote Care Credit on XX/XX/XXXX regarding my payment increasing from {$200.00} per month to {$230.00} per month. I am on a fixed income and right now I can not afford the {$230.00} per month. I know it is only a {$28.00} difference but it affects me in a huge way.

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 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, My Name is XXXX XXXX. I have a Bankruptcy that is reporting on my credit report in error. Both Experian, XXXX, and XXXX I have made serval attempts over the past 12 months trying to resolve this issue with Experian, XXXX, and XXXX. I sent in my dispute in XX/XX/XXXX and received 2 response on XX/XX/XXXX on report # XXXX. On the first letter said the bankruptcy was deleted. I thought this has finally got corrected. Then 2 days later I received another letter from Experian saying it was verified as accurate. The Report date was XX/XX/XXXX and report # XXXX. I have attached these 2 documents. XXXX sent back a letter saying Verified as accurate and XXXX. The other issue is when they sent the second letter saying verified as accurate they indicated is was verified by XXXX a Third Party Vendor. XXXX  Stated the Bankruptcy was verified by the Bankruptcy Court in XXXX, TX. FCRA states you must verify with the original furnisher to get accurate information. This would be the Bankruptcy court in XXXX, TX where my credit report stated it was filed. This Bankruptcy was placed on my credit report in error. I sent a letter to the Bankruptcy Court and I do have that letter that will be attached also. The Bankruptcy Court sent me a letter saying they do not report information to or remove information from the credit Bureaus. 

The Bankruptcy is the original furnisher. XX/XX/XXXX I send another letter asking for a Method of Verification that is my right to know how Experian verified the information they claim is accurate. This is stated in FCRA. On XX/XX/XXXX I received another letter stating verified as accurate. I sent out another letter in XX/XX/XXXX asking again the method of verification and on XX/XX/XXXX again they say verified as accurate. Nothing saying how they verified this bankruptcy. Just violation after violation. This bankruptcy has an address that is not mine and not on my credit report. This has been frustrating you read the FCRA follow the steps but the Credit just ignores the policy. 

I have attached all letters from Experian, the letter from the court, and the letter i sent to Experian. Please, can you help me reach someone that will resolve this issue? All 3 of these credit bureaus have been violating my rights to a fair and accurate investigation.

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 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have disputed and spoken with the debt collectors by phone. I have explained to them about the cable bill. All merchandise was returned yet I am still be harassed about it.

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 2019-07-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I was a victim of Fraud and I need to know if XXXX XXXX XXXX # XXXX has a copy of the contract that makes them a Entity that can enforce a claim against my person. I have check my records and I don't have a notarized copy of the actually contract between U.S. Department of Education and XXXX XXXX XXXX. I dispute this account the following account as not being accurate : US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX , US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION/XXXX # XXXX , I will be contacting the Ombudsman Group with a request of the proper information on file. I need the credit bureaus to inform all the listed companies to CEASE AND DESIST all collections until the proper information is provide. I have no way of knowing which accounts are legitimate without the documentations of file!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 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: OH

Complaint narrative:
I was a victim of Fraud and I need to know if XXXX XXXX XXXX # XXXX has a copy of the contract that makes them a Entity that can enforce a claim against my person. I have check my records and I don't have a notarized copy of the actually contract between U.S. Department of Education and XXXX XXXX XXXX. I dispute this account the following account as not being accurate : US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX, US DEPT OF EDUCATION XXXX XXXX, US DEPT OF EDUCATION XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX US DEPT OF EDUCATION/XXXX # XXXX , I will be contacting the Ombudsman Group with a request of the proper information on file. I need the credit bureaus to inform all the listed companies to CEASE AND DESIST all collections until the proper information is provide. I have no way of knowing which accounts are legitimate without the documentations of file!!

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 2019-07-19 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: OH

Complaint narrative:
I was a victim of Fraud and I need to know if XXXX XXXX XXXX # XXXX has a copy of the contract that makes them a Entity that can enforce a claim against my person. I have check my records and I don't have a notarized copy of the actually contract between U.S. Department of Education and XXXX XXXX XXXX. I dispute this account the following account as not being accurate : US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX , US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION/XXXX # XXXX , I will be contacting the Ombudsman Group with a request of the proper information on file. I need the credit bureaus to inform all the listed companies to CEASE AND DESIST all collections until the proper information is provide. I have no way of knowing which accounts are legitimate without the documentations of file!!

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 2019-07-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have requested multiple times to have a personal statement that I added to my Equifax credit report removed. 

I have tried numerous times via Equifax 's website and I have sent ( 2 ) certified letters to have the statement, that I added, removed. 

This has been going on for nearly two years. Please remove the personal statement. 

What I am attaching is the " proof '' from the second certified letter I sent them. The first letter was sent in XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
I closed account and been paying the balance as agree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I have reached out to this company numerous times since XX/XX/2019 regarding this account that does not belong to me. The original creditor sold this fraud account to M & M credit agency and they have been harassing me and falsely reporting on me credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: MI

Complaint narrative:
I have reached out to this company numerous times since XX/XX/2019 regarding this account that does not belong to me. The original creditor sold this fraud account to XXXX & XXXX credit agency and they have been harassing me and falsely reporting on me 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 2019-07-19 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: MI

Complaint narrative:
I have reached out to this company numerous times since XX/XX/2019 regarding this account that does not belong to me. The original creditor sold this fraud account to XXXX XXXX XXXX credit agency and they have been harassing me and falsely reporting on me 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 2019-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Action Financial Services, LLC
State: LA

Complaint narrative:
Im in collections i dont make enough to make payments. The debt collector ms XXXX XXXX at action financial XXXX called my work and kept me on the phone for 15 mins after telling her i was at work

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 2019-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I recently checked my credit report through XXXX. I noticed a collection for XXXX XXXX XXXX XXXX  on my Transunion credit report. The debt is with XXXX XXXX XXXX.Which this same company goes by XXXX XXXX XXXX XXXX.I do not owe XXXX XXXX XXXX. I have contacted CFPB a number of times. Regarding inaccurate information being reported to all 3 Credit Bureaus. Transunion, XXXX, XXXX. I have disputed this with XXXX XXXX XXXX XXXX. Which the same company as XXXX XXXX XXXX. This was deleted from my credit report on XX/XX/2017. The CFPB is supposed to protect me the consumer. When receiving a complaint from a consumer. The furnisher has to show verification and validation. To back up an accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate. In any dispute, the furnisher of the information can either verify the accuracy of what they have reported or correct the inaccuracy should they agree that it is currently inaccurate. I am requesting that this negative collection be removed from my Transunion Credit report. As it is inaccurate, and prohibiting me from acquiring promotions at my place of employment. As well as receiving adequate housing due to this collection reporting on 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 2019-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I recently checked my credit report through XXXX. I noticed a collection for XXXX XXXX XXXX/XXXX XXXX   on my Transunion credit report. The debt is with XXXX XXXX XXXX.Which this same company goes by XXXX XXXX XXXX XXXX.I do not owe XXXX XXXX XXXX. I have contacted CFPB a number of times. Regarding inaccurate information being reported to all 3 Credit Bureaus. Transunion, XXXX, XXXX. I have disputed this with XXXX XXXX XXXX XXXX. Which the same company as XXXX XXXX XXXX. This was deleted from my credit report on XX/XX/2017. The CFPB is supposed to protect me the consumer. When receiving a complaint from a consumer. The furnisher has to show verification and validation. To back up an accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate. In any dispute, the furnisher of the information can either verify the accuracy of what they have reported or correct the inaccuracy should they agree that it is currently inaccurate. I am requesting that this negative collection be removed from my Transunion Credit report. As it is inaccurate, and prohibiting me from acquiring promotions at my place of employment. As well as receiving adequate housing due to this collection reporting on 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