vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-03 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 is refusing to delete an " XXXX XXXX '' account from my credit report that does not belong to me. The account number is " XXXX '' and the amount is for {$1800.00}. I know for a fact that this account is not mine because I have already spoken with XXXX 's representatives and the records they have do not match my personal information. They did tell me that this debt was related to a University XXXX XXXX Florida account. I myself have never attended the University XXXX XXXX Florida nor taken any loans from them. The only student loan account I should have on my credit report is my XXXX XXXX ( XXXX XXXX XXXX ) account that is currently being paid on time every month. I am a very responsible person and I do not have any outstanding debts that are delinquent. Everything I have ever taken out I have always paid back. Moreover, I have checked my XXXX and XXXX reports and this account is not being reported there at all! I am filing this complaint because this is clearly a mistake being made by Experian and they are refusing to fix this. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

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 2017-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
STELLAR RECOVERY had originally reported a false account on my credit back in XX/XX/XXXX. I had notified both them and XXXX back in XX/XX/XXXXthat this debt was not mine and that the name and address used to open this account were not mine either. This was removed off my credit report eventually. However it appears that Stellar may have sold this debt to XXXX XXXX XXXX Who are now trying to collect the same debt. I am now having to file a 2nd police report and submitting other forms of documents to prove once again that I am not the person who opened this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 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: TX

Complaint narrative:
XXXX XXXX XXXX closed my newly opened credit card in error. My Transunion scored dropped over 100 points. I submitted a dispute to Transunion. Transunion decided that even though XXXX XXXX XXXX  opened the account that was closed in error, they would still not remove the erroneous reported item nor did my score increase. Also, the same exact information is being reported on XXXX and Transunion, but Transunion has my score over 100 points lower than XXXX. I had perfect payment history before filing bankruptcy XXXX 2016 and Transunion has information to support excellent payment history. Please see that Transunion removes the information from XXXX XXXX XXXX and increase my score once information has been successfully removed.

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 2017-09-03 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: MD

Complaint narrative:
I 've had a few fraudulent accounts on my report since XXXX. At the time I was under the age of XXXX years old, basically a victim of identity theft. I 've been reporting these items on my report for the last year or two. My report contained an address I 've never resided they 've been reporting that address for 4+years. I 've been disputing the account since I turned XXXX. The two XXXX XXXX collection accounts do not belong to me, they were opened before I was of a legal age. The third account is a cellphone carrier XXXX, once again I was underage. So how are these accounts being opened when I was only XXXX years old??. Unless my info was being falsified. So now Equifax is keeping this account on my report even though it was fraudulent. XXXX  removed the account with little to no issue after I explained the situation. Someone falsified my information and used it to open these accounts. I 've been explaining to equifax but it still has n't been resolved. Im asking for contracts and or agreements bearing my signature to prove the validity of these two accounts, If there isnt these accounts should be removed. If not I 'm allowing my attorney to handle this, I 've already authorized my attorney to access my reports. I am not gon na keep allowing equifax to keep damaging my score by allowing 2 collection accounts to remain on my report that are a result of identity theft. I 've even received a statement from the Federal Reserve acknowledging there was indeed identity theft involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
A collection agency under the name " GoldKey Credit '' has reported a " past due '' debt of {$1300.00} on my credit report and is refusing to provide me with validation that I owe them this money. The account number on my report is # XXXX. I do not have any unpaid debts with this company as I have never done business with them. I mailed a request for verification on XXXX XXXX, XXXX and to this date, I have not received a detailed explanation explaining what this money is for. It is now XXXX XXXX, XXXX. I have researched this company online and I have come across several scam stories reported by consumers where this collection company has been involved. The Better Business Bureau currently has a 80 % negative review rating and XXXX has countless stories of being involved in scam efforts. I will not give any money to a company with such a shady background that refuses to explain what they are charging this money for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, RE : Credit Bureaus Reports Issues : -Information is not corrected and explained in plain language. ( For example : Balances, old accounts listed ) -TransUnion does not provide me the opportunity to " dispute online ''. 

OnXX/XX/XXXX I became a member through XXXX to have easy access " online '' to the 3 Credit Bureaus. I am enrolled. My purpose is to make sure my reports are accurate. 
- TransUnion does not allow me to dispute " online ''. Why? I do not know. No answers about it. I sent written " disputes ''. Results " Unfinished Business ''. No corrections made. 

The 3 Bureaus do not sent explanations of what specifically was " corrected ''. It seems to me the 3 Bureaus take a generic letter of " acknowledgement letter '' and help yourself. 

Still, I see the same incorrect information listed. Then, the frustrated cycle continues. 
In particular, after the back and forth " TransUnion '' keeps listed in my report that I have a " Balance for {$25000.00} with XXXX XXXX initial balance for a new car at that time. Also listed as REPOSSESSION. It was my " Voluntary ''  Request to XXXX XXXX '' to pick up the car. I wanted to refinance the loan. No success. Which it was paid off and included in a Chapter XXXX Bankruptcy. Now, " DISCHARGED '' since XX/XX/XXXX. 
- I asked and presented specific details to the 3 bureaus to update my balances. It seems to me the 3 bureaus are very concerned about collecting money by selling their products and in exchange they provide the customer a very poor quality work. Please advise. 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 2017-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i was sent a letter stating a proposed fee hike in monthly interest charges of 26.24 % to account balances which were already at 25.99 %. Also, an increased late payment fee of {$27.00} or {$38.00} ( which would be used was not specified ) during six billing cycles for past due accounts. The letter gave an XXXX number to call to reject to the rate increase, which I did. I received the attached letter as a result.

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 2017-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
lexis nexus is report an address and five claims that dont belong to me i never lived in ohio or had an ohio address these claims are not mind they said to contact the insurers and i did and they told me to contact lexus nexus i have a fl license never had an ohio one

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In XX/XX/XXXXI had a dispute with XXXX XXXX XXXX XXXX about a fraudulent credit card some unknown person obtained in my name. After establishing that this was a fraudulent account eventually XXXX XXXX XXXX removed it from my credit report. 
However, maliciously in bad faith after I advised them that due to their derogatory statement on my credit I was turned down for credit, instead of canceling such fraudulent account, XXXX IN XX/XX/XXXXsold it to PORTFOLIO RECOVERY ASSOCIATES whom started to show this as a new debt and new default with new collection account for {$1300.00} as of XX/XX/XXXX. 
I have repeatedly advised PORTFOLIO RECOVERY ASSOCIATES that it is improper and illegal to state this to be a new derogatory default as of XX/XX/XXXX and it causing me a serious problem of turning down for essential items to be purchased, PORTFOLIO RECOVERY refused to remove this illegally and in bad faith showing derogatory item from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 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: Navient Solutions, LLC.
State: LA

Complaint narrative:
NAVIENT Balance Increased by {$3600.00} Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, your NAVIENT student loan account balance increased by {$3600.00} from {$3800.00} to {$7400.00}. 

This has been reported to the XXXX and XXXX  and my student loans are in good standing and in income based repayment plans. This is the second increase they have reported in a month and no new loans have been taken out and I have payments of XXXX a month. I have called and they tell me they have not reported any new information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Santander made loans to myself as well s other car buyers while knowing that myself and the other borrowers were probably not able to afford the loans. A press release from the Delaware Department of Justice indicated that Santander had predicted a high default rate and that many applicants stated incorrect or exaggerated incomes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am writing to complain about Champion Mortgage Co. I 've had nothing but problem with this company in the past. They have made so many mistakes in the past especially with transactions History. which I am not disputing some of them waiting to hear back from them about this. My father did a reverse mortgage on the house that I now own. My father XXXX XXXX on XXXX XXXX, XXXX and left me the house. On XXXX I received a letter from Champion Mortgage telling me that they had received the funds and posted the payoff on XXXX to the reverse mortgage loan in the amount of {$330000.00}. Therefore the reverse mortgage is now paid in full. I had to sign a listing agreement to keep from losing the home. with it now paid in full I am trying to get a full reconveyance from this Company and I am getting the run around. They transferred my fathers loan over to reverse mortgage solutions whom I 've been in touch with and told them about the letter from Champion Mortgage which they should of already had if Champion turned over all the proper paperwork. Ive faxed over to XXXX the copy of the letter and I am still getting no where. They tell me they need a copy of my fathers XXXX XXXX which they again should of already had so I faxed that over to XXXX. They tell me no your loan is n't paid off. Well yes it is. I am not going to stand here and let them tell me this was also a mistake. Just how many more mistakes has this company made. They said they received the funds, so Im assuming my dad had something set up to pay it off when he XXXX XXXX  because they said they received the funds and it was now paid in full. All I want is a full reconveyance so that I may be able to move on in my life. I 'm tired of the run around I get from these people this is why peoples homes go into foreclosure because you ca n't get anywhere with them. Even after you 've done all that they ask you to do its always something eles they need. If you read up on the consumers affairs reviews for Both Champion Mortgage and XXXX they are nothing but BAD reviews on the both of them. so many people have lost their homes because of them and I do n't intend to be one of them.Its already been over a month since they sent me this letter and Ive heard nothing from Champion Mortgage and they wont talk to me because they turned the loan over to XXXX.And XXXX keeps giving me the run around/ I do n't know what they do n't get about my loan been PAID IN FULL. I 'm attaching a the letter to this so you can see it for yourself. Anything you can do to help me get my full reconveyance would be appreciated so I am not another one of their victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
XXXX XXXX popped back on my credit report without sending me any notifications in the mail. They also failed to report to the credit bureau within 30 days of my dispute from their previous reporting. By federal law they are required to place a " notice of dispute " on my account within 30 days of my dispute. In which I send certified # XXXX. In which was signed on XXXX XXXX,2017. I  have retained a copy of the date and receipt as well as a time-stamped copy of my credit reports, showing a violation of the Fair Credit Reporting Act section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the 30 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
Last summer ( I believe XXXX ) I noticed that my auto pay on my XXXX XXXX card from US Bank was making the minimum payment and I thought it was set for full balance every month. I called the bank and they said I could change this online. I made a one time balance payment and then I thought I set up auto pay for full balance each month. The auto pay portion of the web site is difficult to navigate and does n't display which balance pay option you have selected for auto pay, as far as I can tell. 
I just checked my credit report and noticed that they did not make this change, so I have been paying minimum payment the past year, exactly what I called them last summer to avoid. The bank claims I made a mistake in setting up the auto pay, which is certainly possible, but they do n't have any records one way or the other. If I did make an error, I 'm complaining that the US Bank auto pay set up is not transparent and can lead to these types of errors. If I did n't make an error, I 'm complaining that US Bank did not implement my request for full balance auto pay. Either way, it 's very difficult to tell what the account is set up to do, which will lead to these situations.

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 2017-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I 've attempted to work this debt out with my insurance company, they have stated that since XXXX did n't submit properly, they could not back date a payment from more than 2 years ago. I 've spoken with the collection agency, and ca n't get anywhere with them, and XXXX just violates the Hipaa act by sending pertinent medical information to the collection agency and then pretending like it 's not a big deal. Numerous phone calls, and nothing. The medical debt should have been billed correctly to my insurance in the first place and it would have never gotten to the point it 's at now.

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 2017-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Today,XX/XX/XXXX, I used XXXX to access my credit reports. 

I am on a XXXX XXXX computer, running mainstream antivirus software, the XXXX web browser, and the XXXX plugin for additional security. 

XXXX and XXXX both allowed access to my credit report without issue. 

However, Experian blocked access with this error : " A condition exists that prevents Experian from being able to accept your request at this time. '' This error is reported online to indicate that Experian disagrees with my use of the security and privacy plugin 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 2017-09-03 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
In XXXX I had a dispute with HSBC BANK NEVADA NA about a fraudulent credit card some unknown person obtained in my name. After establishing that this was a fraudulent account eventually HSBC BANK NEVADA removed it from my credit report. 
However, maliciously in bad faith after I advised them that due to their derogatory statement on my credit I was turned down for credit, instead of canceling such fraudulent account, HSBC IN XXXX sold it to XXXX XXXX XXXX whom started to show this as a new debt and new default with new collection account for {$1300.00} as of XXXX XXXX, XXXX. 
I have repeatedly advised XXXX XXXX XXXX that it is improper and illegal to state this to be a new derogatory default as of XXXX XXXX, XXXX and it causing me a serious problem of turning down for essential items to be purchased, XXXX XXXX refused to remove this illegally and in bad faith showing derogatory item from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I made a purchase in 2016 and obtained an account at checkout. No plastic card arrived in mail after 3 months. I called and a new acct was established ( now merged with this acct ) and a plastic card for the account with allegedly {$500.00} credits in exchange for my Authorized Signature was supposed to be provided. 
2 Consumer Purchases were made over a period of 4 months, with 2 Recinded ( RETURNED Products ) during the payment periods.Due to the Accounting JCP used, the Truth in Lending was violated and FCRA was violated causing DAMAGES to the 3rd Party " reporting/redisclosure/hearsay '' that XXXXXXXX/XXXX Published causing Defamation, Slander, and LOSS of CREDITS and LOSS of Assigned Benefits to this Beneficiary to Purchase New Consumer Products. JCP is now reporting " {$0.00} '' in CREDIT after CONFIRMED TRANSACTIONS OF transmission of {$1300.00} in exchange for {$180.00} in consumer product Purchase transactions. This is FRAUD. JCP Offered {$500.00}, Received {$1300.00}, and has DELIVERED only {$180.00}. JCP is operating its Consumer Accounts in violation of FDCPA, FCRA, and TIL causing me TORT.

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