vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I reached out to Transunion to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. 

XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/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 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX, I called Capital one and was told that If i brought my account current that Id be able to have my account reinstated. On XX/XX/XXXX, I paid the remaining balance of {$99.00} dollars which in return put my account in good standing. On XX/XX/XXXX, I mailed out a goodwill letter asking for forgiveness because I faced financial hardship during the months I couldn't make payment. I lost my job XXXX XXXX XXXX XXXX XXXX that was deathly ill. I ended up losing everything, and suffered from XXXX because of it. Once I got back on my feet I made sure to pay my Capital one bill because they were the only ones who were nice enough to work with me considering my situation. Or so I thought. The representatives were obviously selling me a fairytale story -- saying my account would be reinstated knowing that it wouldn't. After sending my goodwill letter and not hearing anything back from Capital one, I emailed the CEO ( XXXX XXXX ) hoping to get through to someone that could help. I sent the email on XX/XX/XXXX ( Pictures attached ) and haven't heard anything since. They did send me a refund for {$1.00} ( pictures attached ) but didn't bother to respond to a customer who honestly valued their services. 

At this point I've accepted that my account may never be reinstated, so I'm asking Capital one to please remove the late payments from my credit report, so that I'm able to buy a house for my family. Removing the late payments would raise my score drastically. As a person trying to get back on their feet after facing so much turmoil, I ask that you please consider this option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Call many times a day to my elderly father 's home. Told to stop calling, will not stop. This is an old debt that they can not even collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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:
On several occasions I have submitted documentation, a police report and multiple CFPB complaints against Equifax in reference to incorrect information on my credit report. Equifax has done nothing. All of the disputed accounts are still under investigation per Equifax as of today. These accounts have been under investigation for over 3 months. This is not legal. This verifies that these accounts have not been verified per the creditor as they are not mine. The accounts are XXXX XXXX, XXXX and XXXX XXXX XXXX  XXXX XXXX. I have also disputed a cable collection account that was with XXXX XXXX that was not mine. This has since been deleted by XXXX XXXX but now XXXX XXXX has picked up the account and this is incorrectly reporting on my credit report. I have also submitted documentation that this cable bill is not mine. Equifax has done nothing to correct the incorrect information that is reporting on and destroying my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank originally started my loan process in XXXX of 2018 ... after delays and more delays, I sought help from another lender who within 10 days has already approved my loan ... the problem is PNC will not release the VA appraisal, which I have paid for, through the VA portal to my new lender and we have requested they do so on numerous occasions. ( we've sent them my new lenders VA number to be able to transfer the appraisal several times too ). For the past week they have continued to lie to me stating that they have released it in the VA portal, but when my new lender checks the VA portal it is still not there. 

PLEASE HELP. I AM IN RISK OF LOSING MY EARNEST MONEY DEPOSIT AND MY NEW HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: OH

Complaint narrative:
I currently reached out to Experian because I am in the process of fixing my credit and I noticed I have a lot of inquiries on my report that I do not recognize. They failed to do anything about when asked to remove them. 

I provided the list below XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/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 2018-03-26 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:
On several occasions I have submitted documentation, a police report and multiple CFPB complaints against Experian in reference to incorrect information on my credit report. Experian has done nothing. I disputed the collection account with XXXX XXXX and they stated that they were deleting my information, yet Experian is still reporting this collection on my account. I have even submitted the documentation to Experian from XXXX XXXX. I have submitted a police report in reference to a credit card that was not mine as well for XXXX XXXX XXXX XXXX  XXXX that is still incorrectly reporting on my credit file. I have also disputed a cable collection account that was with XXXX XXXX that was not mine. This has since been deleted by XXXX XXXX but now XXXX XXXX has picked up the account and this is incorrectly reporting on my credit report. I have also submitted documentation that this cable bill is not mine. Experian has done nothing to correct the incorrect information that is reporting on and destroying my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon review of my credit report with Experian, I noticed ( for the very first time ) that a fraudulent and unauthorized collection account is reported by a collection agency by the name XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX or No Phone number available ). This entry list an entity name XXXX XXXX XXXX XXXX ). I Did NOT avail any product and/or services of either of these companies. I never ever received any bills and/or services from any of these companies. I have disputed this matter with Experian already but this fraudulent and unauthorized collection account still remains in my credit report. I sent ( multiple times ) debt validation letter to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ) but never received any reply from them. THIS IS NOT MY ACCOUNT. This account must be immediately 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 2018-03-26 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 try to get few charges on my credit report that aren't true but. XXXX XXXX XXXX and XXXX XXXX XXXX. Keeps lying about this issues XXXX XXXX XXXX claimed tha I have a contract with them but the don't bring the prove the haven not bring anything to provided it that why when I closed my account I was to finished pay what I used to owe them but the. They started to add more money late fees anual payments i have tried to resolve this issue bit they don't care they damage my credit becouse their fraudulent way to add money I would not pay money I don't owed them they are taking advantage of my situation the keep calling the house late night early in the morning non-stop I did a complaint with my credit report agencies but they side with them they didn't get any given any proved about the challenges but. They didn't remove it from my credit report non of them care

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 2018-03-26 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: DISCOVER BANK
State: MI

Complaint narrative:
DISPUTE CASE # XXXX {$150.00} I placed an order with a merchant when I received the order one of the shirts were too small and the other items had gotten wet they were damaged I don't know if it was water or what it was but they arrived at my home wet I immediately followed all the merchants return procedures and began to return the merchandise with their shipping label they received the merchandise and have been giving me the run-around ever since this is when I turn to discover to help me get my money back I've given discover the information that they've asked for they have the tracking information I explained in detail what had happened and I even sent a follow-up email to discover adding a little bit more information instead of just taking that information they told me I needed to call or I needed to mail it in there's nothing really to mail-in I'm just giving you more information I'm giving you my account of what happened we've gone back and forth discover and I it shouldn't be this difficult just to give them information I mean so far they've done nothing my most recent email came from a woman named XXXX she informed me that she closed my case because she saw a credit on my account from the merchant the trouble with that is she didn't bother to really pay attention there were two separate transactions with this Merchant two separate orders that have absolutely nothing to do with one another the refund she seemed has to do with the original order again not disputing that order don't have any problems with that order on the other hand the other order is the order I'm having issues with in the one that I attempted to dispute I would love for somebody tell me why XXXX closed my case I can't help but wonder if it's because she's not paying attention to get rid of me that you didn't bother to see that that credit had absolutely nothing to do with my dispute terrible customer service XXXX clearly needs some more training

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have sent Experian numerous certified letters of inaccuracy information they are reporting. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have been asking in the letters for Method of Verification, have sent Frivolous Letter Rejection, Validation of Accounts and all they send back is accounts have been certified as accurate by the companies. The bankruptcy court does not verify information due to it is illegal for them to verify any information with Credit Reporting Agencies. 

I have also stated to XXXX in letters, This is NOT a request for " verification '' Via e-oscar, PACER, third parties, or proof of my mailing address, but a request for VALIDATIOn made pursuant to the ABove-named Title and Section of the Fair Debt Collection Practices Act.

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 2018-03-26 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: VA

Complaint narrative:
ON XXXX the XXXX XXXX I went to purchase a new car and I was advised the that XXXX XXXX XXXX XXXX Reported to Equifax that my car was a charge off and they were unable to do anything. I took a look at my report and sure it was correct On XXXX XXXX it was reported that my car was a charge-off in XX/XX/XXXX and that the last payment that they had received was on XX/XX/XXXX which is totally incorrect the last payment was made on my car on XX/XX/XXXX bring my total car balance to XXXX with the next payment due on XX/XX/XXXX. I then contacted XXXX in regards to this and it was stated to me by XXXX working in the loan center that yes my account was marked as a charge off and she is not sure why. Then I was connected to XXXX in collections and she stated to me that I was current and she had to look into why the account was marked as a charge off. This is really horrible what I am experiencing with ABNB I have had this car for 3 years with 1 late payment by 11 days back in XX/XX/XXXX for XXXX that was added to my XX/XX/XXXX payment I constantly have to contact XXXX as regards to reporting incorrect information. I have also attached my report with the information that XXXX has reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: AES/PHEAA
State: AR

Complaint narrative:
I recently contacted XXXX  XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX  XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XX/XX/XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX  XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX XXXX received a letter back stating that that was not my address. Fourth XXXX XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXX and have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX  XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
A case manager from this company called and left voicemails for 4 people in my family leaving rude voicemails for the ones that didn't answer and rudely talking to my aunt who unfortunately did answer. I called the number they all gave me to figure out why they called my family. Well when I get on the phone with said case manager at XXXX I ask why he contacted 4 people in my family he then proceeds to yell loudly at me and call me and my family a liar even though my little sister who lives with me played the voicemail on her phone not 10 minutes before. These people are rude and obscene.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
I was under the impression that my loan was in deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: TN

Complaint narrative:
In XXXX of 2017, my wife and I leased a vehicle from Mercedes Benz of  XXXX, Tn. We were not advised that in the course of leasing our new vehicle we were not advised that we were being billed XXXX dollars and were rolling this amount into our lease agreement. This amount was supposedly from a previously leased vehicle which was turned in at the time the new lease was signed. Attempts have been made to discuss this problem with the dealership, with no response. In addition have filed a complaint with Mercedes Benz Financial, who is lease holder, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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:
I recently contacted XXXX  XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX  XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XX/XX/XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX  XXXX received a letter back stating that that was not my address. Fourth XXXX XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXX and have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.

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