vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns XXXX XXXX account # XXXX was sent to a collection agency named XXXX. The phone number for the collection agency XXXX was provided to me by a customer service representative from Conns, Ive called XXXX at this XXXX several times, no one answers the phone and it will ring until eventually going to a voicemail, voicemail message asks you to leave a message with your contact info and a brief description as to what the call is about. I have left several messages ( at least 8 ), I have included in my messages my contact info and the account info for which I am calling about. I have yet to receive a call back from XXXX. All I am trying to do is settle my debt and have the negative mark in my account deleted, and have XXXX report to the credit bureaus that my account is paid in full. I am baffled at the fact that it is so hard to get to speak with someone at XXXX or even to get a phone call returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Dept of Ed/ Navient has reported two late payments to the credit bureaus for the months XXXX and XX/XX/2017. These late payments reports are inaccurate, At this time I was unemployed and the accounts were in general forbearance and under no circumstances should've been reported as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Due to identity theft my credit file has numerous of unknown and unauthorized inquires on it. I'm demanding that these inquires be deleted immediately so that the 3 major credit reporting agencies can afford me my true report. Please delete the following inquiries : 1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX XXXX XX/XX/XXXX ) 8 ) XXXX  ( XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX ( XX/XX/XXXX ) 15 ) XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am so disappointed how Equifax, XXXX and XXXX  's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX  XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: TN

Complaint narrative:
I am so disappointed how XXXX, XXXX and Transunion 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am so disappointed how XXXX, Experian and XXXX XXXX investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX  XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: OR

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 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: OR

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: OR

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX  ) XXXX , XXXX ( Original Creditor : XXXX XXXX   XXXX  XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am so disappointed how Equifax and XXXX 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: OH

Complaint narrative:
Deville Asset Management is trying to collect a deficiency balance on a repossessed vehicle, reporting inaccurate date and responsibility to credit bureaus. Additionally, this the deficiency balance is past the statute of limitations and is not a collectable balance. I have contacted the company and disputed balance with the credit bureaus and Deville Asset Management will not remove the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am so disappointed how XXXX and Experian 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Opened accounts this yr, unable to get info on phone or by app. Teller distespectfull, balances hidden and charge 4 overdraft fees over 4 charges that had positive balances XXXX to XXXX only last three, I do not plan on paying they could not treat customer right and insinuate would steal from a safe box, as a CEO at the bank past 6 months, or something about mating it..the ladies are crooks and liers.i want this record erased. XXXX. XXXX died he ran XXXX XXXX  but they say the got him I knew him but I'm not going to be bossed here.

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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
OnXX/XX/2018, I opened an account with Capital One Auto Financed. The account is still open but almost fully paid. I got a missed payment on my XXXX and XXXX credit report stating that this account missed a payment in XX/XX/2018.However, i had sent the money on time using my XXXX XXXX account on the date that i was supposed to pay them {$510.00}. The money got cleared after a couple of days and Capital One left a negative item on my report after i already paid them on time. 
Right now 91 % of this loan is already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2018, I opened an account with XXXX XXXX XXXX XXXX. The account is still open but almost fully paid. I got a missed payment on my Transunion and XX/XX/XXXXcredit report stating that this account missed a payment in XX/XX/2018.However, i had sent the money on time using my XXXX XXXX   account on the date that i was supposed to pay them {$510.00}. The money got cleared after a couple of days and XXXX XXXX left a negative item on my report after i already paid them on time. 
Right now 91 % of this loan is already paid.

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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2018, I opened an account with XXXX XXXX XXXX XXXX. The account is still open but almost fully paid. I got a missed payment on my XXXX and Equifax credit report stating that this account missed a payment in XX/XX/2018.However, i had sent the money on time using my XXXX XXXX account on the date that i was supposed to pay them {$510.00}. The money got cleared after a couple of days and XXXX XXXX left a negative item on my report after i already paid them on time. 
Right now 91 % of this loan is already paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2018, I opened an account with XXXX XXXX XXXX XXXX. The account is still open but almost fully paid. I got a missed payment on my XXXX and XXXX   credit report stating that this account missed a payment in XX/XX/2018.However, i had sent the money on time using my XXXX   XXXX account on the date that i was supposed to pay them {$510.00}. The money got cleared after a couple of days and XXXX XXXX left a negative item on my report after i already paid them on time. 
Right now 91 % of this loan is already paid.

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 2019-06-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Fraudulently placed Fraud Alert without my consent and permission. Upon Fraudulently placing Fraud Alert, Equifax tried everything possible not to give my credit report. This is Fraud and Abuse by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, my debit card was stolen. Someone used my debit card to send money on XXXX. The XXXX account holder is not me. It is from a guy. I call XXXX and dispute the transaction was unknown charge. XXXX open the claim and investigation almost 5-10 days. After their investigation, they said that payment is not made by me. They will refund money to my debit card but the refund was stuck on Chase bank. The reason is Chase had to close my account because chase said the payment is authorized by me. It is not unfair. XXXX said the money is ready to refund to me but when they send back money, Chase declined. I called chase department, they ask me to tell XXXX send me the check but XXXX cant do that because in XXXX policy, if the payment is unauthorized from the holder of the card was using that payment, then when XXXX refund money, they just have only way to send money back to the debit card was stolen. This transaction was so big for me. Because it is {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am so disappointed how Equifax, XXXX and XXXX 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP /XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: CA

Complaint narrative:
I am so disappointed how XXXX, XXXX  and Transunion 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP /XXXX XXXX, XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am so disappointed how XXXX, Experian and XXXX 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP /XXXX  XXXX, XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX**** , XXXX XXXX XXXX****, XXXX  XXXX XXXX XXXX  XXXX****, XXXX XXXX XXXX   XXXX****, XXXX XXXX  XXXX** , XXXX/XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX XXXX XXXX****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My roommate was stealing my Chase debit card and drivers license ; pretending to be me and withdrawing money from my account. He admitted that he figured out my pin because it happens to be the same as my phone password. 

He also admitted that he would sneak into my room while I was sleeping and put the card back before I woke up. 

He apologized but says he spent the money. I tried to dispute this with Chase but they claim that since my debit card PIN number was used that they cant prove it wasnt me. I never gave him to use my card, according to Chase/Visa  's policy they have to give me a refund. 

Although they advertise that I have 100 % Fraud Protection they refuse to give me my money back. 

ATM Withdrawl - XX/XX/XXXX - {$2600.00} ATM Withdrawl - XX/XX/XXXX - {$1100.00} ATM Withdrawl - XX/XX/XXXX - {$2100.00} ATM Withdrawl - XX/XX/XXXX - {$2000.00}

Company response to consumer: Closed with explanation