vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
XXXX XXXX billed me for services I didnt receive. I closed an account when we moved in XX/XX/2018. XXXX  billed  for a month after the move stating that I didnt call in time before the new billing period. I did call and then called again when I didnt get the box to return the equipment. They claim that was the date I cancelled my service. I asked for a copy of the recorded call 5 different times and told it would be reviewed and I would be contacted. I never heard anything until I applied for a mortgage it showed on my credit report. The collection agency cant help me and XXXX just states the matter has been referred to a collection agency. I tried disputing it but they claim its valid. This is wrong!!! Ive always paid my bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NC

Complaint narrative:
Within the past 3 months, I have tried at least 2-3 times to  get an invalid trade line, being reported by XXXX XXXX, removed from my Credit Reports. However, despite the conclusive evidence that I have sent in, XXXX Equifax,  & XXXX  will not remove this trade line because they are in bed with XXXX. 

Anyhow, I have also disputed this trade line directly with XXXX and they refuse to delete it. Fortunately, XXXX sent me a printout of what they consider to be validation of the debt. However, this printout clearly contradicts my payment history. 

For the billing period XX/XX/2018 to XX/XX/2018, the docs sent to me by XXXX claims that I had a previous balance of {$380.00} and no prior payment was received. However, I have attached the email from XXXX showing that I made a payment of {$100.00} on XX/XX/18. Cell phone bills are paid prior to the billing period!! 

Furthermore, XXXX isn't reporting the last payment date or when the account became delinquent. 

I have attached to this complaint my last 3 payments to XXXX along with the bill summary that was sent to me by XXXX as debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NC

Complaint narrative:
Within the past 3 months, I have tried at least 2-3 times to get an invalid trade line, being reported by XXXX XXXX, removed from my Credit Reports. However, despite the conclusive evidence that I have sent in, XXXX, XXXX, & Experian will not remove this trade line because they are in bed with XXXX. 

Anyhow, I have also disputed this trade line directly with XXXX and they refuse to delete it. Fortunately, XXXX sent me a printout of what they consider to be validation of the debt. However, this printout clearly contradicts my payment history. 

For the billing period XX/XX/2018 to XX/XX/2018, the docs sent to me by XXXX claims that I had a previous balance of {$380.00} and no prior payment was received. However, I have attached the email from XXXX showing that I made a payment of {$100.00} on XX/XX/18. Cell phone bills are paid prior to the billing period!! 

Furthermore, XXXX isn't reporting the last payment date or when the account became delinquent. 

I have attached to this complaint my last 3 payments to XXXX along with the bill summary that was sent to me by XXXX as debt validation.

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 2020-03-12 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: Atlas Services, Inc.
State: IN

Complaint narrative:
The accounts that were submitted to the Credit Bureaus are from XX/XX/XXXX for ( {$330.00} & {$330.00} ) and were submitted by Atlas Collections of XXXX, IN. The 3 bills submitted are medical bills and were included in my Chapter XXXX Bankruptcy that was Discharged on XX/XX/XXXX. One of the aforementioned bills was taken off of my credit report, but 2 of the medical bills remain on my report. I contacted my attorney 's office several times last year about the bills being on my report. The paralegal contacted the collection agency about the bills still being on my report. Since they are still on my report I went online to dispute the bills as they were already included in my Chapter XXXX. The disputes I filed have been challenged and are still there. They should have never been placed on my report in the first place and I want them removed. Why are companies allowed to place collections on the Credit Bureaus that they or the creditor they represent know that the bills are in included in a XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Several years ago debt was settled. Was settled around XX/XX/2013. Every couple of years since settlement, Portfolio Recovery Associates, LLC tries to collect the debt that was settled. Each time I remind them it was settled. Now they have sent me another collection notice. The amount they are asking for is {$720.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NV

Complaint narrative:
I recently looked at my credit report and seen various fraudulent accounts. I need these fraudulent accounts removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I received an alert from XXXX about a collection acount. I never received any notification from the collection agency that the account was assigned to them or that it was being reported. XXXX XXXX XXXX never sent me anything to advise that I was being referred to a collection agency. I never received any correspondence from XXXX XXXX XXXX or from the collection agency. I just saw this account listed on my XXXX  credit report without any opportunity to pay the account before it went into collections. The balance is only XXXX from a final bill that I never received and the other XXXX is from equipment that is in my storage unit. My unit that I was living in was sold and I had to suddenly move. I had mail forwarded and there was no correspondence from anyone about this account. I lost my job and couldn't make the final bill payment and spoke with XXXX XXXX XXXX and advised them of this but they never indicated the account was being sent to a collection agency. I have the equipment and advised XXXX XXXX XXXX that I am returning it via XXXX. I spoke with a rep from the collection agency and advised them that I was only going to pay the original creditor and the represetative stated that I had to pay them and that even if I paid, they would not remove the account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: UT

Complaint narrative:
I made complaint about XXXX  credit card for wrong fully charging me late payment, interest fee's.My Credit Score was XXXX-it drop down to XXXX score But XXXX  and Equifax Never fix my Score on credit report.I want them to raise my Score from this incident up 56 points today. 

XXXXPrint complaint, Submitted to the CFPB on XX/XX/2020 XXXX  XXXXe has lower score and it never got fix after XXXX Broken Law and Charge me {$25.00} late fee same day my payment was due, plus interest, but my SCORE Pludjer down hill.Maybe this is wrong place to make complaint maybe XXXXXXXX or I am on Trump Commitee people here Not doing their Job watching out for Tax payers! Why is it everyone as Business can Break the Law and XXXX does Nothing, No-Fine, No-nothing if i Broken Law i had to pay fees ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: UT

Complaint narrative:
I made complaint about XXXX credit card for wrong fully charging me late payment, interest fee's.My Credit Score was XXXX-it drop down to XXXX score But XXXX  and XXXX Never fix my Score on credit report.I want them to raise my Score from this incident up 56 points today. 

XXXXPrint complaint, Submitted to the CFPB on XX/XX/2020 XXXX XXXX  has lower score and it never got fix after XXXX Broken Law and Charge me {$25.00} late fee same day my payment was due, plus interest, but my SCORE Pludjer down hill.Maybe this is wrong place to make complaint maybe XXXX or I am on XXXX XXXX people here Not doing their Job watching out for Tax payers! Why is it everyone as Business can Break the Law and XXXX does Nothing, No-Fine, No-nothing if i Broken Law i had to pay fees ...

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 2020-03-12 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I have one credit card account with HSBC bank. There is one transaction from one merchant names XXXX XXXX XXXX. They charged me XXXX USD for membership to my HSBC credit card account. I called the merchant to dispute and cancel the membership. The merchant said that they did cancel the membership. the following year i saw the merchant charged me XXXX usd again. I called the credit card to block the merchant because they continue to charge me. The credit card company HSBC did block the merchant and filed the dispute for me. I thought everything went through. I received the statement on the following month still has the same charge XXXX usd with late fee and interest charge. i called the hsbc to dispute one more time. they said they filed the second dispute since the first dispute never went through. They also said that they will refund the late fee and interest. I thought they will do. the next statement came and it has the higher amount with late fee and interest. i called hsbc on XX/XX/2020 and they transferred me too many departments. the problem is never solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NV

Complaint narrative:
I recently looked at my credit report and seen various fraudulent accounts. I need these fraudulent accounts removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NV

Complaint narrative:
I recently looked at my credit report and seen various fraudulent accounts. I need these fraudulent accounts removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: AES/PHEAA
State: NJ

Complaint narrative:
Hello, I have been having an issue with getting a recount of my qualifying payments for PSLF through FedLoans. I was employed by XXXX XXXX XXXX between XX/XX/XXXX-XX/XX/XXXX with no gaps in my employment and consistent on-time payments. 
Payments between XX/XX/XXXX and XX/XX/XXXX are not being counted towards my qualifying payment. Fedloans has counted that time period as a gap in my employment despite phone calls and emails trying to correct this. 

The issue is I was on XXXX  leave during that time period. I was given wrong information by the initial FedLoan employee I spoke to who told me to submit two different Employment Certification forms to exclude the time I was on XXXX leave. I listened and initially submitted two different forms, leaving a gap from XX/XX/XXXX-XX/XX/XXXX for my XXXX  leave even though I was still employed and making payments during that time. I later did my own research and spoke to a different FedLoan employee who said that my XXXX  leave counts towards my total qualifying payments because I was still employed and making payments. I resubmitted my corrected Employment certification form to FedLoan at least two times, both times they said they would correct the count. I just received a second recount that still does not count the payments made during my XXXX leave and shows a gap of employment which is incorrect. 

Additionally, I submitted my first employment certification form in XX/XX/XXXX. It then took 4 months for Fedloans to process and consolidate my loans. So, the payments I made during that time are not counted toward my payment count. The 4 month period for consolidation was not under my control, is there any way for these payments to be counted? 

Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 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: AES/PHEAA
State: TX

Complaint narrative:
In 2017 I transferred a federal unsubsadized loan from FedLoan Servicing to XXXX. This loan had an original balance of more than 220K. Three years later FedLoan Servicing is saying I owe more than {$1000.00} on the loan because of an error made during disbursement. Mind you I have not heard anything from FedLoan Servicing for 3 years about this loan. The balance of this loan has been XXXX for the past three years. They have been charging me interest at 7.5 %. So what they claim was an original mistake of about {$500.00} is now ballooned to over a {$1000.00}. During these past three years they never gave me tax documents or even an invoice saying I owe this amount. I have perfect credit and have never been late on any loan. I have documents to prove all of this. I tried to resolve the issue with them, but they refuse to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Holding off with putting such information down here and really wanting to know about how effective it might be along this venue (. ) XX/XX/2020 To start something simply enough and whether this venue exists true, I will basicly say of complaint unto what major problem becomes handled. 
I have the Bank Of America not being really responsive or worthy. I have XXXX  cases which more than really abstract along big problems. 
The lawfirms are not willing to respond back at all (! ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONRAD CREDIT CORPORATION
State: CA

Complaint narrative:
I am being harassed by a collection agency named Conrad Credit. I have disputed this account with the credit bureaus and XXXX and XXXX have deleted the negative reports from my name. This is not my debt and I have no knowledge of it. This company is calling friends and relatives threatening them while inquiring about my whearabouts. Since this has been disputed and resolved by XXXX  and XXXX since they were unable to verify this debt they need to stop harassing my friends and family. They are in violation of my rights in California

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NV

Complaint narrative:
Hello, There is one fraudulent collections account listed on my credit report. I am an american citizen who takes pride in paying my bills on time. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information.Please remove these negative items from my credit file. 

Please Remove : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NY

Complaint narrative:
I had a credit card account open with XXXX XXXX last year. I paid it off full with 2 possible late payment as result my credit score lower. The last time I checked my credit score in XXXX of this year it was around XXXX. For some reason, it was lower 74 points altogether. The reason behind it was because I reported XXXX XXXX and disputed them to confirm they recieved their final payment. The reason I did so was because we had a pre-existing dispute when I paid XXXX XXXX XXXX dallors to my credit card bill and they only applied XXXX something dallors. I didn't see where it was applied to the principal cost and asked them to verify how it was and they didn't.The second debut, according to Experian made XXXX claim I was delinquent after my final payment that's unethical.

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 2020-03-12 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:
My wife reviewed her credit report and our car loan that we are co-applicants on are showing two completely different payment histories which is IMPOSSIBLE. My wife 's credit report shows 100 % on time payments and mine shows two missed payments. I sent a dispute XX/XX/XXXX and received Equifax 's investigation results this week and the payment history is unchanged. This is a clear discrepancy in their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NV

Complaint narrative:
Hello, There is one fraudulent collections account listed on my credit report. I am an american citizen who takes pride in paying my bills on time. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information.Please remove these negative items from my credit file. 

Please Remove : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NV

Complaint narrative:
Hello, There is one fraudulent collections account listed on my credit report. I am an american citizen who takes pride in paying my bills on time. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information.Please remove these negative items from my credit file. 

Please Remove : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 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: GA

Complaint narrative:
There are inquiries on my report that I did not authorize. I have sent letters to each bureau stating that these were unauthorized inquiries and they are still continuing to report these inquiries. They also have some of my personal information incorrect as well as reporting accounts late that I know I was never late 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