vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: SD

Complaint narrative:
My credit report shows an incorrect XXXX-day delinquency in XX/XX/2018 for FOUR loans, even though its all in 1 repayment from Fedloan Servicing. I believe this is when the repayment came out of deferment however I was not notified of when this occurred so I could continue my repayment plan. The account is in good status now and I have not had any other issue with this in the past. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX and I'm not sure if they even have my address correct but I've lived here for 5 years. It is crazy to me that they can report 1 repayment FOUR times at a delinquency, and this needs correct and removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: Penn Credit Corporation
State: VA

Complaint narrative:
I reviewed my credit report. It shows several versions of a XXXX XXXX with several WV addresses as well as several accounts of businesses I have never heard of or contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: I.C. System, Inc.
State: VA

Complaint narrative:
I reviewed my credit report. It shows several versions of a XXXX XXXX with several WV addresses as well as several accounts of businesses I have never heard of or contacted.

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 2019-07-21 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: CL Holdings LLC
State: VA

Complaint narrative:
I reviewed my credit report. It shows several versions of a XXXX XXXX with several WV addresses as well as several accounts of businesses I have never heard of or contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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 Filing a complaint on XXXX for not properly investigating the dispute that is reporting inaccurate Bankruptcy information on my consumer report. I sent XXXX a dispute that they are reporting a Bankruptcy that is reporting inaccurate on my consumer report from case number XXXX. I disputed the address that they are reporting on the bankruptcy and the name on the bankruptcy. What was alarming is that XXXX deleted the address that is listed on the Bankruptcy but, not the bankruptcy. XXXX didn't verify the name on the Bankruptcy. By the letter, XXXX sent to me. XXXX is claiming they verified the case number By the FCRA all information will be 100 % accurate information or MUST be deleted. I understand XXXX is governed by the FCRA. 

They failed to do so, and has also, cause XXXX and Equifax to report inaccurate information about this Bankruptcy Both XXXX and Equifax have returned my disputes letters claiming the information is accurate. In XXXX and Equifax response letters they have stated that verified the information with XXXX as accurate when I have disputed the Bankruptcy with both reporting Agencies. I sent XXXX a letter asking for Method of verification and has not received a response which is a violation Per the FCRA. I will attach the letter from the Southern District Bankruptcy Court XXXX TX. I sent the Southern District Bankruptcy Court a letter asking their verification procedures and they responded with a letter stating the DO NOT VERIFY ANY INFORMATION with the Credit Bureaus. SO why are they Not going to the original furnisher so they will report accurate information? On XX/XX/2011, The office of the Attorney General of the state of New York conducted an investigation of these same issues. Credit reporting agencies using third-party reporting agencies like XXXX who is reporting inaccurate information. Please help in this Matter. I have attached the letter from XXXX and both XXXX and Equifax that claim they verified their information with XXXX and not the original furnisher. I have filed a totaled of 5 disputes with XXXX and 5 with eEquifax and 5 with XXXX. XXXX  claim they have verified with the Southern District Court but, I have a letter from the court stating they do not report to reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-07-21 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: IA

Complaint narrative:
TO WHOM IT MAY CONCERN EQUIFAX IS REPORTING WRONG INFORMATION ON MY CREDIT FILE I DISPUTED THE MEDICAL ACCOUNT OVER 5X AND I ALSO ASK FOR PROOF THIS IS ME. EQUIFAX NEVER SENT ANY PROOF TO MY ADDRESS TO VERIFY PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
( 1 ) XX/XX/2019, XX/XX/2019, XX/XX/2019 ( 2 ) {$460.00} ( 3 ) Action : I submitted a return shipping charge from a chair that I order online, but when the chair arrived it was defected and poorly constructed and I had to return the chair and pay shipping charges costing {$460.00}. I submitted all the documentation that I had on the return including an email from the seller stating that the shipping charges would be taken out of the original cost of the chair ( {$1600.00} ) on XX/XX/2019. 
But on XX/XX/2019 I had not received the refund from the selling company. I did not receive the refund from the company until XX/XX/2019, but by then PayPal stated that I had been denied the shipping return cost because it took longer than 14 days to get the documentation submitted to them, but I first submitted the documentation on XXXX XXXX and on XXXX XXXX I called PayPal and spoke to a representative and was told that I should wait on a letter from PayPal with instructions on how and what to send back and the shipping cost would be granted. But after many emails back and forth with PayPal denying the credit for the return shipping charges I just got tired. ( PayPal ) policy says customers are protected on returns charges, can you help? 
I am a XXXX senior and I bought the chair online because of their return policy and they burned me and I need help, please help because that is a lot of money for me to lose. 
I also offered to send pictures of the poorly constructed chair and a letter from the pickup service that signed an acknowledgement letter of the condition of the chair when they pick it up the wheels would not even move on the office chair. But the person that I spoke to representing PayPal told me to send the pictures back with the instructions from the letter from PayPal. I never received a letter from Pay Pal!

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 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-07-21 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: AZ

Complaint narrative:
In XXXX of 2018, I completed a contractual agreement with XXXX XXXX. For approximately 6 months, I had been disputing overcharges and incorrect late fees and made several phone calls to them to no avail. On each call, I requested an accounting of how they arrived at the " balance due ''. They continually refused my request, even when put in writing. At the conclusion of the contract, they sent me a final bill to which I disputed and even offered to discuss a compromise to resolve the issue. They ignored my dispute & placed it with a collection agency, XXXX XXXX. who reported it the Equifax, XXXX & XXXX. I sent the agency a detailed dispute with a demand for damages for their continual auto dialing of my cell phone without consent and after being advised not to. They simply replied with the last 3 bills, which is what I was disputing. They also failed to temporarily remove the item or note the dispute from the bureaus. I also disputed the item online with the bureaus. I never  received a response from XXXX or Equifax. After investigation, XXXX  removed the item. Shortly after that, I discovered the item had been removed from the others. After a few months, XXXX placed the item with a new agency, XXXX XXXX  who placed it back on all 3 bureaus again. I wrote a letter to XXXX  XXXX, who also ignored me. Again, XXXX removed the item with no response from XXXX  and Equifax. After a few months, XXXX placed the item with a new agency, XXXX, XXXX who placed it back on all 3 bureaus again. Again, XXXX  removed the item with no response from Equifax. XXXX  took a dispute by phone but sent me a generic response. No one will provide me a detailed accounting of what they claim I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: AR

Complaint narrative:
The Bureau is reporting a debt owed to all three credit bureaus. The amount reflected is {$780.00}. I participated in a debt relief program through XXXX XXXX. All delinquent accounts were settled in full as a part of this program. While I was participating in the program XXXX attempted to contact The Bureaus for information to settle the debt and received no response. I have asked the company to verify the debt so that I can be sure that it is not a duplicate of one of the accounts that were paid during the debt relief program. I have not receive any evidence that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: IL

Complaint narrative:
TO WHOM IT MAY CONCERN I AM XXXX YRS OLD AND I HAVENT TOUCH MY CREDIT IN YEARS. I GO RUN MY CREDIT TO BUY A HOME AND I SEE WHERE SOMEONE BEEN LIVING MY LIFE AND DESTROY MY CREDIT/LIFE AND MY DRIVING LICENSE ARE SUSPENDED DUE TO SOMEONE STOLE MY IDENTITY AND HAD A CAR IN MY NAME. THE ACCOUNT I BEEN DISPUTING ARE NOT MINE AND I HAVE A POLICE REPORT WITH IDENTITY THEFT REPORT. I NEED HELP BECAUSE THIS IS NOT ME THIS IS FRAUD PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-07-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I took out a home equity loan with Citizen One XXXX of XXXX. I always made my payments never missed one. In XXXX I was told that I needed to pay lump sum of loan. Needless to say I didnt have an extra XXXX . I began the process of trying to modify this loan. After having to resubmit application 9 times because either a page wasnt initiated, or a blank page of statement was missing ect I contacted a law firm to try and get this straightened out. They told me to stop making payments. BAD ADVICE! They seemed to think once they saw that there was over XXXX XXXX dollars in equity in my property they hit the jackpot. I have been paying them over {$500.00} a month for 2 years now. I just received a letter from Citizen One that they have started foreclosure proceedings on my home. The last appraisal valued property over XXXX XXXX dollars. All I want to do is pay them off but because they have ruined my credit it has been impossible. How can they do this? Please help! My home is all I have. My regular mortgage is prestige. I always pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: IL

Complaint narrative:
TO WHOM IT MAY CONCERN I AM XXXX YRS OLD AND I HAVENT TOUCH MY CREDIT IN YEARS. I GO RUN MY CREDIT TO BUY A HOME AND I SEE WHERE SOMEONE BEEN LIVING MY LIFE AND DESTROY MY CREDIT/LIFE AND MY DRIVING LICENSE ARE SUSPENDED DUE TO SOMEONE STOLE MY IDENTITY AND HAD A CAR IN MY NAME. THE ACCOUNT I BEEN DISPUTING ARE NOT MINE AND I HAVE A POLICE REPORT WITH IDENTITY THEFT REPORT. I NEED HELP BECAUSE THIS IS NOT ME THIS IS FRAUD PLEASE HELP ME.

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 2019-07-21 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: IL

Complaint narrative:
TO WHOM IT MAY CONCERN I AM XXXX YRS OLD AND I HAVENT TOUCH MY CREDIT IN YEARS. I GO RUN MY CREDIT TO BUY A HOME AND I SEE WHERE SOMEONE BEEN LIVING MY LIFE AND DESTROY MY CREDIT/LIFE AND MY DRIVING LICENSE ARE SUSPENDED DUE TO SOMEONE STOLE MY IDENTITY AND HAD A CAR IN MY NAME. THE ACCOUNT I BEEN DISPUTING ARE NOT MINE AND I HAVE A POLICE REPORT WITH IDENTITY THEFT REPORT. I NEED HELP BECAUSE THIS IS NOT ME THIS IS FRAUD PLEASE HELP ME.

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 2019-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
This car i voluntarily returned it back to credit acceptance and it was auction off and they are trying to charge me the interest due for 7 yrs. One the amount of car was flip on me .secound the car dealer XXXX  XXXX switch the car amount on me next it was stolen and vandalism. Last it wasn't my car ..i tryed to settle for less amount because i m a parttime worker and i m getting a loan in amount of XXXX to pay off the car. I don't have XXXX .and i can not pay monthly fee .i just want to settle less then what i own .because its not my car its my son car so i just want to settle because its in my name

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 2019-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau
State: IL

Complaint narrative:
Under the Fair Debt Collection Practice Act, Medical Business Billing did not afford me the opportunity to validate or dispute a debt by not sending the appropriate statement via United States mail to my home address. There has been no verbal contact with this company until I made contact, speaking to XXXX, XX/XX/XXXX. 
Through credit monitoring, I received notification of a negative collection item by Medical Business Billing for {$100.00}. Medical Business Billing had never contacted me ; in fact, the account was with XXXX for {$150.00}, yet XXXX called doing the time XXXX had contacted me for payment and {$55.00} paid to XXXX, leaving balance of {$100.00}. 
Upon calling XXXX XXXX after notification of collection activity, the account was sent to Medical Business Billing on XX/XX/XXXX with no updated phone number for contact per XXXX, supervisor, XXXX XXXX. 
I was advised by XXXX at XXXXXXXXdical Business Billing, once the {$100.00} is paid, the collection would come off my credit report ; however, he would not send information discussed in writing. 
This company is playing by its own set of rules not congruent with FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANK OZK
State: GA

Complaint narrative:
My name is XXXX XXXX daughter, executor, administrator and personal representative of the estate of XXXX XXXX who passed away on XX/XX/2019 fifty eight days after his wife XXXX XXXX. At the time of his death Mr. XXXX had an unsecured personal loan with Bank of OZK with a remaining balance of {$2700.00} I was not assigned as executor by the court until XX/XX/2019, bank of OZK was immediately notified days after his death, I have filed notice to creditors the day after I took office. On Friday XX/XX/2019 at XXXX XXXX. I was contacted by the bank branch that there legal department was going to freeze my joint checking account I had with my parents and the Estate account because no payment had been made on the loan and two checks came through the account. I am the survivor of the joint account which should not have been frozen Mr. XXXX 's portion of {$1200.00} had been transferred to the estate account, the estate account has only been opened less than two weeks and should have no been frozen preventing business of the estate, there are only two assets one with possible equity that will satisfy debt to creditors after sale but I have not been given the six months to determine the condition of the estate in order to protect the assets from foreclosure and repossession I made a payment to each to keep out of the ninety day window for foreclosure and  repossession as I feel they had the highest priority to protect and Bank OZK has tried to make themselves a higher priority than support to the family, funeral cost and expenses of administration without warning and had been spoken with multiple times, I have not gathered and collected all assets and the ones I have I must protect, insure and manage, they are not the only creditor owed and I feel they took advantage of me knowing what they were going to do after I opened the estate account where my parents banked for years, all other creditors are working with me and giving me the time allowed by law to determine if there is enough cash and assets to pay them, Bank OZK should not have prioritized themselves and gave no warning I would like all funds returned to both accounts and unfrozen so I can continue with my responsibilities of the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: GA

Complaint narrative:
I have several inquiries on my credit report that I didnt authorize 42 inquirys to be extact I have tryd every step the reporting agency asked me to do they have failed to do thier prt

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