vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
on XX/XX/XXXX XXXX i contacted XXXX XXXX, they are the company collecting the debt for my capital one card. They gave me a settlement offer of {$180.00}. I paid {$130.00} on that date and the other {$50.00} on XX/XX/2019. The credit bureaus and capital one refuse to change the balance due to {$0.00}. They still have {$110.00} as a balance. I have a letter from XXXX XXXX stating this account has been settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I checked my credit and saw LVNV LLC has been reporting a collection since XX/XX/2019. I disputed this and requested debt validation, as nothing I have should be in collections. They ( the credit bureaus ) just sent me an email stating the debt was verified. Im not sure what they verified as they didnt share anything else with me as far as the method of verification. I was never contacted by the LVNV before placing this debt on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: Clarity Services
State: TX

Complaint narrative:
Clarity Services Inc has 3 inquiries in my credit report when I tried to get a payday loan. It was never disclosed that I would get a hard pull prior to being approved for a payday loan. I have gotten them in the past with no impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-15 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: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Please CFPB forward the documentation to Flagstar Bank company. Thank you!

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 2020-01-15 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: NJ

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: AR

Complaint narrative:
TransUnion finally removed the disconnected/de-activated phone number that had been assigned to someone else 2 years ago. A last name that was changed by court order and no longer legal to use was also removed. 

But TransUnion continues to report the student loan that was approved for XXXX Discharge on XX/XX/XXXX as a consumer dispute. The correct status for the loan is DISCHARGED. Furthermore, due to fraudulent signatories and attempts to apply for federal Stafford loans using my identity, XXXX, XXXX  and XXXX removed the student loan from their respective credit reports. The loan was removed due to massive fraud as part of the entire student loan portfolio, even though the loan discharged because of XXXX per se is a legitimate loan. 

As of XX/XX/XXXX, this student loan is no longer subject to monitoring by the U.S.  Department of Education or its loan servicer, XXXX. Since I met the criteria for XXXX  XXXX, the loan was officially DISCHARGED. This is the final action on this loan. The loan is inactive and will never again be open for terms or re-negotiation. Continued requests for updates on the loan violates my rights under the Fair Credit Reporting Act and the XXXX  XXXX   XXXX XXXX. TransUnion arbitrarily tries to force a different decision on the loan that leaves me open to more fraud or incorrectly reports the loan in the negative when I met all of the requirements for permanent discharge on the loan. Once again, the correct status is DISCHARGED and this loan is no longer subject to any further monitoring by the U.S. government. 

Additionally, TransUnion removed the Extended Fraud Alert and replaced it with an Initial Fraud Alert. TransUnion removed the permanent opt-out of all credit offers. TransUnion also removed the credit freeze. 

All of the other credit reporting agencies removed the discharged student loan, added an Extended Fraud Alert, added a credit freeze and added a permanent opt-out of all credit offers. XXXX, XXXX  and XXXX have correct credit reports.

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 2020-01-15 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: NJ

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-15 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: NJ

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have an item on my credit report that is not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 
I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
On XX/XX/19 I sent a debt validation letter to Phoenix Financial Services LLC. On XXXX XXXX they sent back XXXX medical account statements with a XXXX balance further proving I don't owe them a debt. I called to tell them this and they said " oh well you owe this debt '' The documents I attach will prove that all accounts have a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have an item on my credit report that is not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 
I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30   days/60 days/120  days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that MACY'S/DSNB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30  days/60  days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-15 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: DISCOVER BANK
State: IL

Complaint narrative:
My Discover Student Loan ( Loan # XXXX ) is not being reported as a Student Loan. It is reporting as an Other Loan and needs to be reported as Education Loan 12 to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
We purchased a {$50.00} general-purpose gift card at XXXX and also paid the {$4.00} activation fee ( total spent {$54.00} XXXX, with expiration date XX/XX/XXXX. When we tried to use it for the first time, the transaction was declined. We called the card issuer right away XXXX Saturday XX/XX/XXXX ) at XXXX XXXX XXXX XXXX to resolve the issue. We were told the balance is {$0.00}, no longer {$50.00}. The reason given was the fees over time. The service rep said she has put in a request to revert to the original balance of {$50.00} and the process would take 24 to 48 hours, and that we should expect a call within that timeframe. As of today, no calls received. On Monday XX/XX/XXXX, we called them to follow up. We were again told 48 hours. We called today and was told the issuer US Bank has no time estimate when or whether this can be resolved and our only option is to keep checking the card balance online. 
That the balance of a prepaid gift card ( see attached image ) can simply vanish is beyond comprehension. Our good faith effort to resolve the issue has been met with unmet promises and no follow-up.

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 2020-01-15 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: Kriya Capital, LLC
State: VA

Complaint narrative:
6 years ago or so I lived in an apt with a elderly Male. When I moved out he kept the XXXX XXXX bill in my name on. Eventually he moved out and eventually returned the box ( which they received ). They charged me XXXX, for the fees of them not receiving the box. It suddenly appeared on my credit report last XXXX or so from collection agency XXXX, I called, disputed it, and it got taken off my credit report, raising my credit score very very much! Suddenly a few months ago it shows back up From a collection agency called CREDENCE RESOURCE MANAGE causing score to drop again!! I have all evidence it was taken off. I need help. I've disputed it twice now to no avail. Thank you for your time. I have screen shots I can send showing it was taken off my credit report, dates, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices Howard Lee Schiff, P.C.
State: NH

Complaint narrative:
The " Law Offices of Howard Lee Schiff, P.C. '' sent me a letter saying, " Thank you for your recent credit card payment. The information regarding this paymemtis listed below : Authorization Date : XX/XX/XXXX Payment Amount : XXXX Last Four Digits of the Debit Card : XXXX '' I have never communicated with this " law office '' and never authorized any money to be paid to them. 

I have no debit card ending in XXXX. 

There is no transaction for {$150.00} on either of my checking accounts. 

I have no idea what this " debt '' is, or what this letter is about, unless it is an attempt to draw me into communicating with this firm. 

The letter came from this address : Law Offices XXXX  XXXX XXXX XXXX, CT XXXX I am a XXXX veteran with XXXX  XXXX. I just opened this letter today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, To be proactive about my credit score, I tried to freeze my credit account. Both Experian and XXXX  wanted me to send a copy of my Social Security card, driver license, prove of address to freeze my credit score. That is absolutely ridiculous rule made by the companies just to prevent consumers from freezing the credit. They are intentionally creating hassles and slow-down the consumers to do the right thing. 

There is absolutely no sense to freeze other people credit account. The hackers will steal the credit. They are definitely not going to freeze credit files. 

Asking us to send copies of our Social Security card and driver license is potential breach of information. Government website clearly stated that no one should get access to Social Security number unless necessary. 

It will be great if the government can make these companies change this absurd and ridiculous rule. Everyone should be able to freeze their own credit without submitting hardcopies of Social Security number, driver license, and addresses. 

To be fair, I have to say praise XXXX. XXXX  is the only company that I can freeze my credit score online. 

Thank you very much 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 2020-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My student loans were serviced by Navient. Circa 2012, Navient representative informed me that I needed to consolidate my loans in order to participate in the Public Student Loan Forgiveness Program. They informed me that I would need to make 10 years of consistent payments after which the balance would be forgiven. I allowed the consolidation to occur and immediately began making monthly payments. After learning of the recent lawsuit by CFPB, I transferred my loans to the Department of Education. That's when I learned that Navient deceived me and that none of my payments are eligible for the loan forgiveness program. In addition, amounts directly deposited with Navient by my employer were never credited to my account. Over the years, these amounts average a total of {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Since sometime in 2017, I have had a limitation on my PayPal Credit account with no explanation why and no way to remove the limitation. 
I have made many, many attempts to rectify this to no avail. I have repeatedly used their online resolution center, called, emailed, chatted, and always get the same response that my service is limited, can not be used, and nothing can be done to resolve it. 
I have also repeatedly requested that the account be closed, and they will not close it. They continue to send me emails requesting an update to expired cards but then I still can not use the card. 
I have FICO scores of 820+ have NEVER done anything to have a limitation with PayPal - yet can not get this resolved or the account closed. I do not want an account open that I can not use and yet has credit card files on me that I can not control. 
This has been going on now for nearly 3 years! 
I need this matter resolved or the account closed.

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 2020-01-15 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: DISCOVER BANK
State: MA

Complaint narrative:
On XX/XX/2020 I was looking at my emails and seen a promotion to see if I pre- qualify for a Discover Credit Card. It said checking to see if you qualify will have no impact on your credit, so I filled out the information and got an alert from XXXX saying there has been a hard inquiry on my credit report. I contacted Discover and got know where. I do have a screenshot of the promotion that Discover claims is not true. I hope you can help me get this off my credit report.

Company response to consumer: Closed with non-monetary relief