vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-27 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing is continuing to report my mortgage account as late with all 3 credit bureaus when it was completely paid in XX/XX/XXXX and a satisfaction of mortgage was received by SLS in XX/XX/XXXX. See attached documents.

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 2019-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
On XX/XX/18 a door to door salespeople came to my door to sell XXXX XXXX XXXX phones and tablets and internet. I took them up on the offer before I realized that my phone number could not be transferred Over to their network. I returned the products within the 30 day time frame and they continued to send me a bill. I use d the return labels issued to me for the products and I have that they received the products from me in an email. I never used the products nor did I use their services as soon as I couldn't use my phone number. All items were returned by XX/XX/18 and I continued to receive bills even after calling them repeatedly to shut the services off and stop sending bills. I called in XXXX, XXXX and XXXX of 2018 where I was left on hold for over an hour before my phone was disconnected from the call. I have mailed the collections agency and informed them of the same and they are refusing to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is additional information on my complaint, basically I need fifth third to send me over all signed contracts for this alleged loan/lease, and all documentation associated with the alleged repossession of the property, I did not receive any of this documentation they are sending me statements and print outs that I dont know what I can do with that, it shows me nothing, I will show a copy of what they are sending me as proof of ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: AR

Complaint narrative:
My husband and I purchased a truck and camper trailer from XXXX XXXX XXXX XXXX in XXXX AR. My husband was laid off work a few months later and we were unable to make the payments. The truck and camper were repossessed. On XX/XX/XXXX I called XXXX XXXX XXXX and asked if they would be willing to settle up our debt with less than full balance and report as such to the credit bureaus. They were willing to work it out with us. The same day I paid the amount we settled on with my debit card over the phone. I received the receipt and letter stating the agreement. I went to our local bank to obtain a loan in XX/XX/XXXX the debt was still showing in our credit. I spoke with XXXX XXXX XXXX at that time, they agreed to fix the problem. I found it was not correct again on my credit and filled a dispute with TransUnion. Again in XX/XX/XXXX we find the same information on our credit report. I reached out to XXXX XXXX XXXX again they said the issue had already resolved. XX/XX/XXXX issue is found again on credit report. I have spoke with XXXX XXXX XXXX, ( XXXX XXXX ) she said the issue was being resolved. XX/XX/XXXX I received a alert from XXXX  XXXX telling me I had a missed payment on my account with XXXX XXXX XXXX which is the finance Co used by XXXX XXXX XXXX they are a buy here pay here auto sales. XXXX XXXX and XXXX XXXX are both listed on my credit and only XXXX XXXX on my husbands credit. I spoke with TransUnion on XX/XX/XXXX so the issues could be disputed once again. I called XXXX XXXX XXXX on XX/XX/XXXX and was told nobody was in the office to take my call I should call back on Monday.

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 2019-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc
State: IL

Complaint narrative:
I received a letter from an Attorneys office Stuart-Lippman on XX/XX/2019. The letter stated that I own {$780.00} dollars to XXXX for repayment to one XXXX XXXX XXXX for damages from an uninsured vechicle. Driver being one XXXX XXXX whom I don't know at all! I haven't had a car nor a drivers license in about 20 years. 
The letter has me, XXXX XXXX as the vechicle owners name. I havent owned driven a vechicle in over 20 years. There's a file # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Checked email and saw multiple charges on PayPal to someone going by XXXX XXXX ( XXXX ) for a total of XXXX GBP. I have since changed security on my PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax three times disputing inquiries to creditors who ran my credit reports with my authorization. The inquiries are not " permissible purpose. '' Inquiries or " preapproved offers. '' The reported inquiries are from creditors who ran my credit report without my authorization, and prior to lifting my security freeze. I have disputed the unauthorized inquiries multiple times by phone and online, and in writing requesting Equifax dispute the inquiries pursuant to the FCRA Section 604 which states Equifax must supply me with the credit application verifying my name, address, date of birth, social security number and signature verifying the disputed inquiries. Equifax simply states in the investigation results " we have received and viewed your dispute, please contact the creditor. This is intentionally, and not disputed and in violation of the FCRA Section 604 Proof of Verification by supplying the consumer with Proof ... '' Fair Credit Reporting Act. '' Received and reviewed is none compliance of FCRA Section.604.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: FL

Complaint narrative:
I been disputing this hard inquiries since XXXX of this year through EXPERIAN. They have failed to provide any conection with this connection. I haven't sign any documentations with this alleged companies. On the other hand this inquiries have a negative impact on my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have excellent credit XXXX XXXX and XXXX XXXX as reported to me by XXXX XXXX XXXX today XX/XX/19, without charge. 

I applied to XXXX XXXX for a credit card, as of XX/XX/19, and received in the mail from XXXX XXXX XXXX XXXX  explaining what a credit report was, that Experian had reported a FICO score of XXXX, and that " under federal law I could obtain obtain a copy of my report from Experian for 60 days without charge. I tried to obtain a copy of my credit report from Experian online today, XX/XX/19. At XXXX I received an email from Experian to veriy my info, and received a free " 'credit report which did not include a FICO credit score. and no way Ito request a free copy., Instead, it offered numerous services, including a monthly update service for a {$21.00} fee, and a 7 day trial for the FICO score and demanded a credit card for {$1.00} non refundable, and no way to dispute my right " under federal law ''. Experian rated itself XXXX " very good '' ; falsely rated XXXX XXXX XXXX " good '' ; and XXXX  XXXX " very good '', in contrast with their ratings in the first sentence above. My only recourse is this CFPB Complaint. 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 2019-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
XXXX XXXX charged {$510.00} to my account for a table left on the property and did not disclose to me that I had the option to move it. 

I completed my fall lease there through the year of 2018 and when I moved out I was unaware of any items being left there. For all I know they could have sold the table there for profit without my knowledge or consent. 

I have tried to get this resolved through the company, but it was already released to a debt collection agency before I could bring up my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I called XXXX XXXX to set up a payment arrangement and as I did so the agent I talked to said doing this would make my account current and it would not be reported delinquent by them on my credit report. Plus I recorded the conversation and they did too. so on XX/XX/2019, I received an alert from XXXX  and Equifax that an item on my report status has changed. XXXX XXXX had reported my card as delinquent dropping my score. I called them about the issue of their response that their agent had given me the wrong information and they were not going to address the issue. I told the agent that I would be escalating the issue to the CFPB because this is not right. She then transferred me to a senior account supervisor who asked me what happen, I explained the situation to her then she can't talk to me while I am recording and yet they are recording me. I asked what about my situation and she rudely hung on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called XXXX XXXX to set up a payment arrangement and as I did so the agent I talked to said doing this would make my account current and it would not be reported delinquent by them on my credit report. Plus I recorded the conversation and they did too. so on XX/XX/2019, I received an alert from Experian and XXXX that an item on my report status has changed. XXXX XXXX had reported my card as delinquent dropping my score. I called them about the issue of their response that their agent had given me the wrong information and they were not going to address the issue. I told the agent that I would be escalating the issue to the CFPB because this is not right. She then transferred me to a senior account supervisor who asked me what happen, I explained the situation to her then she can't talk to me while I am recording and yet they are recording me. I asked what about my situation and she rudely hung on 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 2019-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: WI

Complaint narrative:
I paid XXXX XXXX for debt owed to XXXX in XXXX, 2018. I have DCI Consultant coming after me for the same debt. I repeated call DCI and XXXX to let them know that I paid XXXX XXXX, who said they were the orginal debt collocter, therefore I have 2 debt collectors coming after the same debt. I just spoke with DCI this week to no avail, and I called XXXX and they will not return my call. This has a negative impact on my credit report and I would like to get this resolved immediately. 

Thank-you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: GA

Complaint narrative:
I have submitted many disputes as far back as of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX there are account reporting on my credit report from equifax only there other credit companies have resolved the issues with fraud account and incorrect information this company still has an issue with fixing everything this has been happening since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: EDvantage LLC
State: GA

Complaint narrative:
I attended XXXX XXXX. A school that had branches in XXXX. I thought that I originally got accepted into a XXXX XXXX   university which I could graduate from, but I was mislead and it actually turned out to be a 200 question test you take online to get this so called " engineering degree '' which was complete bogus. I wasn't until after they put the loan in my name that I found this out. 

The loan now shows up on my credit report as I paid it down to the zero balance. It still has yet to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
Currently have a loan with OneMain and was looking to get an additional one to help with personal situation. Discussed transferring loan from XXXX XXXX to XXXX to then make the payments there. Was told in XX/XX/2019 that my payment would approximately be {$500.00}. I was told that I ONLY had three days to make a decision to move forward with the second loan for the vehicle, in reality I had thirty days. Store Manager implied that I had one payment, in reality I had two payments totaling {$800.00}. I was not in any situation to be able to make an {$800.00} a month payment based on my income and other responsibilities. I would not have moved forward with the additional loan is it was going to be that much money, I stated that to the Store Manager in which she became very aggressive with me. I did get connected with the District Manager and explain the situation. He said that he would be able to reduce the monthly payment to approximately {$200.00} and the terms would be extended, this was in XX/XX/2019. He said that I would have to cal him on XX/XX/XXXX to further discuss, then had to call him on XX/XX/XXXX to again further discuss. The District Manager said that I would not need to make the XX/XX/XXXX payment, with the newer monthly payment amount and longer terms I would not have to make the first payment until XX/XX/2019. Now, I have been constant calls stating that what he originally said, would not be able to happen and that my payment was now late, but was nice enough to waive the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a letter from Synchrony Bank that they have closed my Ashley Furniture credit card. I was devastated. I called Synchrony Bank 's customer service and was told the account is closed and that I should take this up with the credit bureaus. The credit bureaus did not close out my account - Synchrony Bank did. 

A week later, I receive an email from XXXX XXXX stating that Synchrony Bank closed out my QVC credit card. Again, my credit score took a hit. I am completely appalled that this bank can do this to people. 

I have never been late on a payment, I have made large purchases on these credit cards and was diligent in paying off my balances and yet Synchrony Bank closed out Ashley Furniture and QVC and hurt my credit score tremendously and I did nothing but be a good consumer and pay my bills. 

Their letter even stating my account was closed due to " lack of real estate ''. I have had a mortgage in my name since XXXX. This bank has ruined 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 2019-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

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 2019-10-27 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: PA

Complaint narrative:
While doing a recent review of my credit report. Ive noticed that their are a few accounts that were disputed with your bureau ( Equifax ) that I have also submitted with XXXX XXXX and XXXX. **** These accounts are listed with your bureau ( Equifax ) as they were with the other two bureaus. Disputes were sent out to each bureau at the same time with the same verbiage. 
By law each bureau has to abide by the laws of the FCRA. 

XXXX XXXX and XXXX  are reporting different from what you are reporting. Each account on your bureau report ( Equifax ) has / had the same account number and identical information and at the end of your investigation your bureau stated that they verified it with the furniture or guarantor. The other bureau has done the same and have received different results. 

If this is the same account thats being reported by the same creditor, how are these numbers and other verbiage different? How could the verification process be the same and receive different results? How could all three bureau follow the rules of the FCRA and get three different results from all three bureaus? XXXX is responding back that the information is true and correct and has updated or deleted the item. So has XXXX! So why does your bureau ( Equifax ) find it probable cause to continue keep incorrect information and not delete or up date it if in your verbiage has been verified by the guarantor/creditor? 

( Is the bureau using a computer verifying system or is their a ****human ~~~~taking out the time to make sure that the information is correct? ) Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete these accounts immediately because of the negligence from the original creditor to the credit bureau and in inaccurate verification from your bureau ( Equifax ). 

I have enclosed a screenshot and other information for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: GA

Complaint narrative:
XXXX XXXX {$6200.00} XXXX XXXX {$2400.00} XXXX XXXX XXXX   XXXX {$7200.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX - {$870.00} - XXXX XXXX XXXX XXXX - {$330.00} - XXXX XXXX XXXX XXXX - {$1100.00} - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$420.00} - XXXX XXXX XXXX XXXX XXXX XXXX - {$790.00} - 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 2019-10-27 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: FL

Complaint narrative:
EXPERIAN HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE INACCURATE. THEY REFUSE TO DELETE. 
ACCOUNTS : XXXX & XXXXDispute -- NOT MINE XXXXDispute -- NOT MINE XXXX XXXX XXXX XXXX Dispute -- NOT MINE XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXXDispute -- NOT MINE XXXX -- NOT MINE

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