vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On Monday XX/XX/2019. Navient went as far as to contact a friend of mine and ask where I was and if they would deliver a message to me. This was embarrassing and caused much confusion. They are not to call anyone that they do not have my permission. They also went as far as calling my neighbor!!!!!!!!!!!!!!!!!!!! I asked them to stop over and over. They continue to harass me and hope they will not contact anymore acquaintances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: VA

Complaint narrative:
I have had issues with unauthorized accounts being opened in my name and have been back and forth with numerous creditors in an effort to resolve these issues. More recently, I finally was able to prove to the creditor that the debt was in fact not authorized and it resulted in the creditor removing the accounts from all reporting agencies except for Transunion. Not only is this account still present on my report after it was removed from the other two at the request of the creditor but the account is being reported as derogatory and it is indeed not a derogatory account, just an unauthorized one. Additionally, I request on numerous occasions all remarks on this account be removed, and yet all things remain. 

The account in question XXXX : XXXX Opened ; XX/XX/2014

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 2019-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
The bills from XXXX XXXX Loans has a section called " explanation of amount due '' and it is always blank with all zeros, so I can't verify the principle and interest charged. I have called a couple of times and told them that their bills list all zeros on explanations of amount due. They said it was a programming error and that they would fix it. They've also said somebody would get back to me, but they never do. Its been over a year and they still refuse to send me a bill with explanations of amount due. I want to be able to see and track what I'm paying.

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 2019-06-06 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: UT

Complaint narrative:
XXXX/XXXX XXXX is reporting a late I do not have. I paid the account off in XXXX and I should not have a XXXX late. They called me and said it was a mistake and that they would fix it however they have not done so. I should not have a late on this account it was paid off and it is their mistake.

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 2019-06-06 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: CA

Complaint narrative:
In XX/XX/2019, I started a credit monitoring service as I wanted to see what mas reporting on my credit.I am considering purchasing a car at this time and had been previously made aware of a security breach involving my personal credit file. I found the following erroneous creditors listing on my files 1. XXXX XXXX XXXX XXXX {$250.00} 2.XXXX XXXX {$1200.00} 3. XXXX XXXX XXXX {$350.00} and {$400.00}. There are unauthorized credit inquiries from XXXX XXXX XXXX and XXXX/XXXX also listed.

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 2019-06-06 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: NJ

Complaint narrative:
There were multiple fraudulent charges on my Capital One credit card on XX/XX/XXXX and XX/XX/2019. Capital One reimbursed me for all but one. It was a duplicate charge for {$460.00} on XX/XX/XXXX. I disputed the charge with Capital One and it was denied. I also contacted XXXX  and they referred me to Capital One. Additionally, I submitted a letter to Capital One on XX/XX/2019 detailing their error. 

Documentation provided by XXXX  shows that products were picked up in XXXX XXXX, XXXX and XXXX, NY. I live in New Jersey in the vicinity of 3 XXXX stores. Why would I travel to New York to purchase and pick up products? This was clearly identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-06 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: UT

Complaint narrative:
XXXX XXXX is reporting a late I do not have. I paid the account off in XXXX and I should not have a XXXX late. They called me and said it was a mistake and that they would fix it however they have not done so. I should not have a late on this account it was paid off and it is their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: UT

Complaint narrative:
XXXX/XXXX XXXX is reporting a late I do not have. I paid the account off in XXXX and I should not have a XXXX late. They called me and said it was a mistake and that they would fix it however they have not done so. I should not have a late on this account it was paid off and it is their mistake.

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 2019-06-06 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: VA

Complaint narrative:
I have been a victim of identity theft and have worked with all the reporting agencies and creditors to resolve these issues. I have been making progress in getting the proof to the creditors and credit agencies to resolve the issue with the XXXX. Equifax has been presented with all the evidence the other reporting agencies were and has still yet to address the issue. Furthermore, after knowing there was a fraud alert on my credit report, Equifax has allowed the following inquiries into my credit report without an investigation after numerous attempts to remove these inaccurate inquiries have gone unresponded too XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX .. on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I filed a dispute about incorrect information on my credit report early XXXX, Equifax notified me on Mat XXXX, XXXX that the report was complete with a confirmation number of XXXX, For the first few days they stated trouble with website and kicked me out. but continued to send notifications, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Every time I go on their web and go through their steps I get to 'view document ' but it immediately kicks me out, today there is no longer a number in 'view documents ' box. I have been on the Equifax Chat line on the XXXX and talked to XXXX XXXX, XXXX XXXX XXXX was zero help, XXXX gave me a number ( XXXX ) I talked to a 'XXXX ' who was unable to clearly speak XXXX he moved me to 'XXXX ' who proceeded to ask me a 'few ' questions to verify my identity, After 30+ questions ( I stopped counting ) I asked him what was the reason he kept asking questions he stated that Equifax, not him XXXX needed the information and that his company was only contracted to talk with consumers. I was very frustrated and hung up. I then returned to the blog and talked to XXXX XXXX who told me I would have to send an email to XXXX and to include the confirmation number. I did this but with the exception of the canned email, which is useless, I have had no other response from a very uncaring company. 
The item, by the way remains on my credit report. 
Thanks for any help you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a monthly automatic payment set up to take the statement balance as payment when due. However, I made a manual payment on XX/XX/2019 to pay the entire balance and on the XX/XX/2019 due date, the entire amount was taken again from my bank account, even though the account balance was XXXX. 

I called and was told, " we know that happens, we just deal with it when someone calls. '' This doesn't seem like the appropriate procedure to have. One would think if they know the system is cheating their customers by taking more than they deserve, they would make a system change.

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 monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Without my consent or permission, Equifax put Fraud Alert - Causing unbeliveable Troubles for me. Furthermore, I repeteatedly asked this Fraduster to remove the Fraud Alter. Equifax Refused. Then Refused to provide my credit report when replied to their Fraud Altert. What a bully! Equifax want

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I have been receiving multiple calls per day. Some within 30 minutes of each other. I receive calls from XXXX. On XX/XX/19 they called me at XXXX XXXX  and again at XXXX XXXX. That is only 27 minutes apart. Today, XX/XX/19, they called me from the same number at at XXXX and then at XXXX. That is only 20 minutes between calls.This is becoming harrassing. I made an attempt to talk to them about it. I talk to 3 different representatives. 2 of which claimed to be supervisors. They all did not care that the calls were made so close together. Their responses were to offer a cease and desist.

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 2019-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Renton Collections Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I visited XXXX Hospital in XXXX, WA. Following the visit, I was billed directly by XXXX and handled payments accordingly. 

In XX/XX/XXXX, I was notified that Renton Collections had entered derogatory information on my credit report for an unpaid account referred to it by XXXX XXXX XXXX ( XXXX ), which I had never heard of. After some research I learned that patients discharged from XXXX Hospital are billed by XXXX as well as a separate company representing some of its doctors. 

I have never received any bill from XXXX nor any notice or correspondence of any kind from Renton Collections. I had no chance whatsoever to pay this account before it went delinquent because I didnt know it existed. 

Following my hospital visit I moved out of state at which point I promptly updated my billing address with XXXX, which began mailing its bills to the new address accordingly. Even at that point before moving I never received any other medical bill ( other than for an ambulance ) at all. 

Apparently XXXX and Renton Collections both have a history of doing this, giving patients no notice before referring debts. After this went onto my credit report in XX/XX/XXXX, I called XXXX to request this account be recalled from Renton Collections because I had received no notice. As of XX/XX/XXXX, the account remains on my credit report ( and still I have received no correspondence from either company ). I followed up with both companies ; XXXX indicated it would refuse to recall the account, and Renton Collections declined to remove the account from my credit report even if it were paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I received a letter stating that I had a {$320.00} shortage on my Escrow, if I did not pay that shortage, my monthly payment would change, I went ahead and made the payment, but then the company continues to bill me the higher amount stating that I have an escrow shortage, which I already paid!

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 2019-06-06 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: CT

Complaint narrative:
On XX/XX/XXXX I called Equifax to get the results for a dispute that I submitted. I was told that they could no give the information, that I had to send information to verify my identity. 
I asked if there is a problem with my report ( my credit card have been updated since XX/XX/XXXX ). Once again I would have to send information to verify my identity. 
On XX/XX/XXXX I sent my personal the documentation they requested, I asked them to send me copy of my report ( yearly free report ) with the information with my dispute. 
On XXXX XXXX I received the disputes but no credit report. 
On XXXX XXXX I called Equifax, they stated that I have to send information to verify my identity ( I have already sent information to verify my identity ). I asked again if there is a report with my report but I was given no results about the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: WA

Complaint narrative:
In XX/XX/XXXX I was having an issue due to job loss and relocation two state 's away in an attempt to find work. In the process, I fell behind on my car payment. They repossessed the vehicle in XX/XX/XXXX. This account has been sitting there for over 4 years and it was no longer affecting my credit until Equifax, XXXX and XXXX have allowed them to reestablish the date today, bringing it to the forefront again. It now looks like a brand new repossession / failure to pay and has tanked my score. 
I believe that this is clear retaliation on the part of the Big Three to keep consumer credit scores down. I have worked very hard over the past three years to improve my credit rating ; paying all bills, credit card use is at the bare minimum and paid in full monthly. This is affecting my opportunity to have a life! I can not rent anywhere aside from an RV park because the Big Three keep allowing creditors that are at the fall off point to reestablish their date and thereby tanking my score. 
I have written you before with no assistance. Please ensure that the PRIVATE companies that you allow to have so much power over our lives, are in compliance with the LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: NY

Complaint narrative:
XXXX XXXX this was not my debt and was on my XXXX  credit report, I contacted the state attorney of New York and they had it removed as it was a fraud account that keeps getting put on my credit. Now today XX/XX/2019 this account is on my credit as a collection again! Account 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 2019-06-06 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: AES/PHEAA
State: CA

Complaint narrative:
Once I went to Fedloan Servicing a year or two ago, my credit score has declined significantly ( even though I make my payments ) every month because they continue to add thousands of dollars to my loan. I am never in default. My loan amount used to be less than 70K and now it's over 100K. How did this happen within the short amount of time I have been with FedLoan Servicing?! Additionally, the qualifying payments are incorrect. I have been paying my loan since XXXX through a qualifying employer - through working a public service position with the County agency where I live. I have not went past the 14 day late payment issue and yet my qualifying payments as of XX/XX/XXXX is for 4 years ( 53 payments ). This can not be correct. I have paid every month for about 8 years. Calling customer service is always a dreaded experience. I get the run around, I get people who are incompetent, and I get incorrect information. They do not want to do any extra work to figure out this issue. I am now going to go back to my bank and have a report done to show all my payments paid and when they were paid so I can present this to Fedloan Servicing so they can correct this error. I don't even know if my bank will go back this far but the point is, I shouldn't have to. I would like documents of dates and payments to show me specifically how they are getting their numbers. Why are they adding thousands of dollars to my loan and why are my qualifying payments so low? My interest is 5.5 % - I can't imagine this would cause a XXXX increase in my loan. Ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/2019 I made a payment of {$1900.00} on my Discover credit card that resulted in a balance of XXXX. After the payment processed I made multiple purchases between, XX/XX/2019- XX/XX/2019, that totalled {$910.00}. Today, XX/XX/2019, while attempting to make a purchase at a XXXX. My credit card was declined and I learned that my credit limit was unknowingly decreased from {$2000.00} to {$500.00}. I proceeded to contact Discover and a representative informed me that notification of the decision was being mailed out to me. This presents a problem, as I'd already made purchases that exceed the amount of my new credit limit prior to it having been lowered. Additionally, this results in my revolving credit usage percentage for this card now being around 200 %. Which negatively impacts my credit score and report. I am very upset by this. Had they'd made and communicated the decision to lower my credit limit upon me making my last payment. I would have refrained from using the card. I feel that everything was processed and communicated poorly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 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: MI

Complaint narrative:
On XX/XX/18 someone invaded my XXXX XXXX online accounts, changed my password, set up a XXXX account and attempted to transfer money. XXXX turned off my online banking and had to eventually assign new account numbers. 

In late XX/XX/XXXX and early XX/XX/XXXX, someone tried to open numerous credit accounts using my personal information. I have disputed them all. 

I submitted a police report on XX/XX/18. Suspects have been arrested and are currently being tried. 

I had an XXXX XXXX XXXX account due to a previous data breach and they began to help me restore my credit. Between them and me, we have spent endless hours trying to get inquiries removed from my credit. 

There are two outstanding issues with Equifax : XXXX XXXX ( XXXX ) dated XX/XX/18 and XXXX/XXXX XXXX dated XX/XX/18 XXXX has contacted Equifax 3 times to resolve this issue. I have letters from Equifax acknowledging the misreport and still the inquiries remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: TX

Complaint narrative:
Transunion is not reporting correct information as far as score b/c when I get the risk base pricing back from company its always higher than what they tell me same with XXXX misleading score this has got to stop

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