vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Dear Sir/Madam The following companies bellow, have respectively put a collection notice for two different amounts on XXXX XXXX dated the XX/XX/2019 Claiming I owe this debt that I have no recollection, nor any business transaction with said companies. If this was an old dept that was from years ago, I would like to know why now? why does it show up on my credit report a week ago without any notice. I am in the process of buying a house and now my credit is damaged, down by 27 points due to this unexpected reporting. These two companies have to show proof of contract with my signature, that prove I have any direct transaction with them respectively. I never received any communications with them via mail nor have I received any phone calls discussing any old dept. To your knowledge there has never been any correspondence from original creditor nor these collection agencies, that show in writing any amounts due. This is the first time I see these collections that showed up in my records last week. I need these two companies out of my record as they have in my opinion broke some state laws or statutes. 

Her are the two companies in question. 
Creditor Information *Creditor Information CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Collection amount {$1200.00} *Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Collection amount {$580.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have inquiries on my report that have been giving me problems for almost 2 years now.It is from Capital One XX/XX/2017 and XX/XX/2017.This is a duplicate along with others from companies that have been getting me denied for lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: AL

Complaint narrative:
I have going to this company since XX/XX/XXXX .I have just been renewing the same payday loan that I have always been renewing. The problem is this company keeps pulling my credit profile leaving me with hard inquiries on my report and I have not been asked once could they do it.The most recent was XXXX.I am being turned down for lines of credit do to all of these inquiries on my 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 explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Applied for a PayPal line of credit on XX/XX/2019. Got a strage and generic error message that I was denied. No mention of providing me additional information specified by the FCRA. I called and the agent made it impossible to glean further information regarding the issue, and had no concern to answer my questions.

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 2019-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
Loan company sent check to my bank and withdrew money when acct was paid bank day they paid but I didnt have money in acct at time I went negative on acct bank charge me nsf fees I ask loan company to put money back they said yes but I am still neg with bank after 2weeks I cant pay loan company again l am already 2payments over loan and bank keeps going up on negative acct lm XXXX on fix income what can I do XXXX is the bank involved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: FL

Complaint narrative:
Since XX/XX/2018, I have tried to get Equifax to correct information on my credit report. 

Inquiries - XX/XX/2018 XXXX XXXX, XXXX XXXX, XXXX had an inquiries on my report, which were fraudulent. 
They sent me letters certifying that they would send updates to each credit bureau. XXXX and XXXX removed the inquiries by XX/XX/2018 but as of today, Equifax did not comply. I called equifax, I disputed online and wrote letters. 

Accounts - XX/XX/2018 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are previously charged-off accounts that were paid. They persist in Equifax as such : 1- Status is reported as negative accounts not as Paid/settled accounts 2- though they appear under closed accounts category, none of them show closed date. Date closed appear blank in Equifax. 
Therefore, they are still counting against my score I wrote to and called the creditors and to Equifax to correct the issues. XXXX  and XXXX show correctly since XX/XX/2018. I am still struggling for Equifax to refkect the right information. I filed disputes online with Equifax, I faxed disputes to Equifax, spoke to multiple supervisors and representations at Equifax. Nothing. 

My score in XXXX and XXXX are XXXX. Equifax is XXXX. As a result, I was denied a much sought after HELOC loan. 

There should be consistent reporting across credit bureaus based on the information fed by creditors. The creditors have assured me that the issues is not on their side. They send the same info to all CRA and I should discuss with Equifax. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: AL

Complaint narrative:
I have inquiries on my report that have been giving me problems for almost 2 years now.It is from XXXX XXXX XX/XX/XXXX and XX/XX/XXXX.This is a duplicate along with others from companies that have been getting me denied for lines of credit.

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 2019-02-25 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: AL

Complaint narrative:
I have inquiries on my report that have been giving me problems for almost 2 years now.It is from XXXX XXXX XX/XX/2017 and XX/XX/2017.This is a duplicate along with others from companies that have been getting me denied for lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: FL

Complaint narrative:
From my credit report from Equifax and XXXX there is credit inquiries that I did not make. XXXX XXXX on XXXX XXXX saw XXXX as well. Equifax has inquiries from XXXX XXXX credit Card XXXX Also XXXX XXXX. I did not make these inquiries. Please take them off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 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: AL

Complaint narrative:
I have duplicate inquiries on my report and it doesn't seem as if they perform a proper investigation to fix the problem. It is with XXXX XXXX and the dates are XX/XX/2017 and XX/XX/2017..This has impacted my report negatively and has repeatedly caused me to be turned down for lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: PA

Complaint narrative:
I have had a loan with a principal balance of {$64000.00} since 2013. It is now over {$70000.00} due to accrued interest. Interest has been a nightmare for me and I am sure plenty of other students. I was tipped early on to pay attention to interest and pay it down while in school, and I did so. I even paid some of the smaller school loans off in full before my loan went into effect in 2013. From the get-go, I have always been on an income based plan. At that time, there was no way I could afford rent, utilities, daycare, etc. along with a $ 700+ school loan payment each month. When I was first applying for the income based plan, I spoke to a representative about it in general. He explained to me that the payments are lowered but only low enough to cover interest. As such, I was always under the impression that the payments were only as low as the interest that accrues each month. Otherwise, what's the point? I do not like to let interest accrue. I do not want to risk having any accrued interest capitalized. I would not have agreed to this if I knew better. I feel I was misguided. Anyway, I started the plan. I set myself up for automatic payments. I went on with life until I felt I could start paying down my loan. After some time, I noticed the balance on my loan jumped from XXXX to over 70k. How did my balance increase after I have been making payments on it regularly? I called to question it and learned that it is due to {$6000.00} of accrued interest! My payments are less than the amount of interest accrued each month, so it has been racking up without my knowing. Who knows if it has even been capitalized. I keep trying to find documentation to figure out so, but I can't find anything to help me much. The rep says it isn't capitalized. So here I am ... ready to try to tackle some of my principal, and I can't, because I have a ton of accrued interest to work on before I can even touch principal. I feel helpless. What's the point of having an income based or other plan when you are struggling financially? All you are doing is paying and/or accruing interest ... never touching your principal. I thought the income based plan lowered payments yet still applied to a portion of principal and interest in a pro-rated fashion to what the regular payment amount would be. This is not helping us!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: FL

Complaint narrative:
From my credit report from XXXX  and TransUnion there is credit inquiries that I did not make. XXXX bank on trans union saw XXXX as well. XXXX has inquiries from XXXX XXXX credit Card Cos. Also capital one. I did not make these inquiries. Please take them off

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 2019-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
From my credit report from XXXX and XXXX there is credit inquiries that I did not make. XXXX XXXX  on XXXX XXXX saw XXXX as well. XXXX has inquiries from XXXX national credit Card Cos. Also XXXX XXXX. I did not make these inquiries. Please take them off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL

Complaint narrative:
I have duplicate inquiries on my report and it doesn't seem as if they perform a proper investigation to fix the problem. It is with One Main and the dates are XX/XX/2017 and XX/XX/2017..This has impacted my report negatively and has repeatedly caused me to be turned down for lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
When reviewing my credit report I noticed Personal Finance Co performed a hard inquiry on XX/XX/XXXX that was unauthorized. I contacted the the company and was told there was nothing they could do to remove it so I immediately filed a complaint with the XXXX  and Office Of The Attorney General. I already had an account with Personal Finance Co that was opened XXXX which would have been the only time they were authorized to do a credit check. In XXXX of XXXX, I fell 30 days behind with my payments and instead of Personal Finance Co contacting the Credit Bureau to report a 60 day late payment, they did an unauthorized credit check. I have sent an attachment with this letter that I received from Office of Attorney General with a response from Personal Finance that they have requested the inquiry be removed. I spoke with a representative at XXXX  on XX/XX/XXXX and was informed that the inquiry still remains on my credit report. As of today, XX/XX/XXXX, the inquiry has not been removed. I would like for Consumer Finance Protection to assist me in getting this matter finally resolved. 

Sincerely,

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 2019-02-25 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: FL

Complaint narrative:
On XX/XX/XXXX, I got an alert from XXXX that my credit score had dropped. Upon investigation, I found that XXXX had indicated I had opened an account and owed {$220.00} and they sold this to XXXX XXXX XXXX. I called XXXX who said they could not access the account as it was no longer theirs and that it had a close date of XX/XX/XXXX. On XX/XX/XXXX, I then outlined in a letter to XXXX XXXX XXXX, XXXX XXXX, and my lawyer that I never had an account with XXXX. 
I did intend to switch to XXXX on XX/XX/XXXX but after visiting their store in XXXX, FL and the employee finding that my current phone numbers could not be ported, I decided not to change to XXXX. I found that XXXX still charged my credit card and on XX/XX/XXXX I returned to the store where I made sure that I did not have an open account and was credited what I had been charged. I believe this " open account '' : was an act of fraud, probably by the employee who waited on me ( XXXX, sales rep XXXX ) who most likely got a commission fore every account he opened. Regardless of how the fraud occurred, I never had a XXXX account and I refuse to be charged any amount for this account I never had.

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 2019-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Hi there, I reported several fraud charges on my PNC credit card to PNC bank on XXXX XXXX. The representative informed me that they will take care of the fraud charges and send me a new card. But I had a bill due approaching. So I asked the representative whether I can make the payment to my old card. He replied that I can't. And I need to wait until the new card arrives so that I can make payment to the new card for that bill. However, I haven't received the new card until past due day. A {$27.00} late fee occurred. I contacted them about this issue but this time, the representative said that I don't need to wait for the new card to make the payment. I can make a phone call to pay. This information was not disclosed when I contacted PNC earlier. I had no idea there is another option like that to pay. It is the PNC representative 's incorrect information leads to the late fee. However, PNC refused to waive the late fee. Please help me with this issue. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: MO

Complaint narrative:
There is a report that I received a speeding TICKET in Illinois on XX/XX/2016. I wasnt anywhere near Illinois in XX/XX/2016. I was down south when it states that this ticket was issued. I have no idea of how this ended up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
Solomon and Solomon collection agency in XXXX NY contacted me about a debt they are claiming I have through XXXX XXXX  XXXX XXXX XXXX XXXX last XX/XX/2018 ). I never gave them permission to keep calling me after I spoke with them. I ended up blocking their office number in XX/XX/2018 because they kept calling me. Around XX/XX/2018 they started contacting me from their toll free number and they have left voicemails twice. I never gave them permission to ever leave voicemails on my phone from either number. The heading on their collection letters states they are not legally allowed to call or leave voicemails to anyone without permission.

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 2019-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: URS Holding, LLC
State: NY

Complaint narrative:
Alltran Education Inc. calls me after I legally requested them to cease and desist all contact with me. They're in violation trying to collect a debt I don't owe. They can't physically validate the debt as I requested them to. I wrote to them and asked them unless they send me all physical evidence requested to validate this debt, they should never contact me again and must remove my name from thy record. 
However, I kept getting phone calls from them. different time during the day. They use different phone number to call me many times, each i would back they no longere in service which cause me nuisance, I feel Ive harassed by this compagny I feel threatening by they abusive behavior agaist me. 
I have contacted the creditor about this unauthorize loan they opened under my name in the past. They refused to investigate the school that sent them these fraudulent applications to collect on my behalf without my knowledge. 
Altran education continuously sending me correspondence, pressuring me after they've received my cease and desist letter. 
I feel like they try to scam me force me into paying back a loan that I never used and I dont owe. 
I asked them to contact who sold them the debt and notify them of this debt being disputed and to contact the credit bureaus as well they ignore all my request to clear the wrong debt, they have in my name under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for a card last year in XXXX. I was approved and card was supposed to be shipped out. I never received the card. I called them around XXXX yo inquire about the card and they said a new one would be shipped out. I received it close to XXXX. 
Today I called to ask why if I had already spent more than {$3000.00} why I had not received the XXXX miles I was supposed to. I called today to inquire about this and they said that I didnt meet the spending by XXXX. I brought out the fact that my card was received on time and I figured my time would not begin until after the 2nd card was shipped out and now I am told that they dont have noted of whenever I called last summer and that maybe it was for another account. I only have one account with them. To make matters worse they said that only one number shows on file for me which is inaccurate because back in XXXX I lost my wallet and had to cancel all accounts and request new cards. 
I spoke up to the supervisor and she still was set on saying that I've only ever had one card. Which is ridiculous because like I said I did have to request a new card. Obviously something is going on with their system and they refuse to look further into it.

Company response to consumer: Closed with explanation