vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted disputes to Equifax XX/XX/XXXX and XX/XX/XXXX with no response. They have violated FCRA regulations and are obligated to remove the items below from my credit report : ACCOUNTS XXXX XXXX XXXX XXXXXXXX not mine XXXX   XXXX XXXXXXXX not mine INQUIRIES XXXX  XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX  I XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX not mine XXXXXXXX not mine XXXX XXXX XXXX XXXXXXXX not mine XXXX   XXXX XXXXXXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have repeatedly file complaints with capital one over thier payment system. I have made several payments from the same account number now capital one is refusing to move late payments from my account after acknowledging that the payments were made and did not go through. For security reasons my bank will not provide account and routing numbers in a letter on their letter head which capital one is asking for. When trying to input my account number on several occasions the system kept saying invalid account number even though my account number is valid. Capital one acknowledges that I made the payment from the account that I always make it from but sometimes their system accepts it and sometimes it doesn't

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: TX

Complaint narrative:
i HAVE WRITTEN TO THE CREDIT BUREAU 'S THE XXXX, AND ALSO FILED WITH FTC ...

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 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i HAVE WRITTEN TO THE CREDIT BUREAU 'S THE XXXX, AND ALSO FILED WITH FTC ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i HAVE WRITTEN TO THE CREDIT BUREAU 'S THE XXXX, AND ALSO FILED WITH FTC ...

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 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have filed with the FTC, I HAVE SEND LETTERS TO CREDITOR, I WRITTEN TO ALL 3 BUREAU 'S

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/2013 I filed bankruptcy. XXXX XXXX was excluded in the bankruptcy, and they chose to close my account even though I was making monthly payments. XXXX XXXX is reporting information on my credit report as if the account was included in the bankruptcy. I have tried to get this corrected with all 3 credit bureau 's. I have court documentation showing XXXX XXXX account was not discharged in Chapter XXXX bankruptcy. XXXX XXXX did not receive a certificate of notice and I need my credit reports to reflect that this account was closed by them when they searched public records and found out I had filed bankruptcy. It is unfair to a consumer to report on a credit report the account was included in bankruptcy when court documentation prover the account was excluded. It appears they chose to to override the courts decision.

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 2019-10-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2013 I filed bankruptcy. XXXX XXXX was excluded in the bankruptcy, and they chose to close my account even though I was making monthly payments. XXXX XXXX is reporting information on my credit report as if the account was included in the bankruptcy. I have tried to get this corrected with all XXXX credit bureau 's. I have court documentation showing XXXX XXXX account was not XXXX in Chapter XXXX bankruptcy. XXXX XXXX did not receive a certificate of notice and I need my credit reports to reflect that this account was closed by them when they searched public records and found out I had filed bankruptcy. It is unfair to a consumer to report on a credit report the account was included in bankruptcy when court documentation prover the account was excluded. It appears they chose to to override the courts decision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America lost payments Changed Account # s and Charged Bogus Late Fees

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 2019-10-16 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: IN

Complaint narrative:
I DO NOT UNDERSTAND THE REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS ( CHASE CARD WITH A BALANCE OF XXXX AND 120 DAY LATE PAYMENTS ). IT IS REALLY AFFECTING THE OVERALL GOALS I WANT TO ACHIEVE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT FROM MY CREDIT REPORT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW THE REASON AS TO WHY THIS IS STILL REFLECTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I tried to get credit- via a mortgage and was told that my XXXX  was reporting me as deceased. When I called XXXX to rectify the matter they told me I was reported as deceased via Synchrony Bank. I called Synchrony back explained that matter and wanted to know why they were reporting me as dead. I was able to verify who I was and when I tried to rectify the outstanding debt with them and was then told they will have to call me back. Shortly thereafter I received notice in the mail via a 1099-c form that they cancelled the debt and that I no longer owed them. I presumed this was due to their HUGE mistake. Fast forward I am trying to get approved for a loan again, this time I am being told that via XXXX  Synchrony bank says I owed them money. When I called Synchrony bank on XX/XX/19 they explained that I was dead again and then realized the mistake and said no you don't owe us any money we 1099-c you. 
I am asking for you help as me making calls to each provider is not getting me anywhere

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 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
After contacting my current insurance provider it has been indicated that the amount requested {$1000.00} from : Collection Bureau Of Hudson Valley Inc.

Is inaccurate.

Therefore I would like to request that this collection agency provide the actual original bill for all services provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
A review of all 3 Credit reports ( XXXX, XXXX  & XXXX ), on XX/XX/XXXX -- resulted in my finding LVNV reporting an alleged debt with all 3 consumer reporting agencies. This alleged debt was duplicate reported as a XXXX XXXX debt as well as an LVNV debt. 

At this time I forwarded XXXX XXXX a Notice for conditional Acceptance upon Verification with all the reported Account information, alleged debt amount and name of alleged borrower. On XX/XX/XXXX, AND XX/XX/XXXX ( enclosed ), XXXX XXXX responded that they have no records of any alleged account. 

Between XXXX of XXXX to present I have sent Notices ( all enclosed ) of Verification/ Notice & Demand for Full Disclosure/ Notice for Adequate Assurance of Due Performance/ Notice for Holder in Due Course, to LVNV and  they have failed to respond. All the while continually reporting this fraudulent debt to all consumer agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: NY

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX Amount {$3800.00} Phone call about the debt on XXXX XXXX Send a letter to my address the date the the letter was XXXX XXXX Debt collection company : Central Portfolio Control , Inc. 

Original creditor : XXXX XXXX XXXX XXXX Current Creditor : XXXX XXXX XXXX, XXXX  I graduated from this college in XX/XX/XXXX. The school had a very strict policy that each student must clear all the expenses before they could graduate and get an official transcript. Also each student must have a meeting with a person from financial department to go over the tuition and student loans, if it had been taken out. 

More over the company that managed the school XXXX XXXX XXXX XXXX XXXX, abruptly shutdown due to its financial situation, causing a lot of people to lose their jobs. 

Therefore, there is no way that I owe this debt as they claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
I am filing a complaint against FedLoan Servicing and their administration of the Public Service Loan Forgiveness Program. I am a XXXX and I have student loans. I work for a not for profit employer and I have since XXXX. I qualify for Public Service Loan Forgiveness ( PSLF ) based on my employer and my job. I began making qualifying payments in XX/XX/XXXX. In XXXX XXXX   XXXX I realized that there had been an error made, as I had two separate dates for my loans to qualify for PSLF- XX/XX/XXXX and XX/XX/XXXX. I called FedLoan Servicing where they stated they would start an investigation into the issues. They could not give me a resolution date for the investigation. My loans were originally with XXXX, but had to be switched over to FedLoan servicing when I applied for PSLF initially, as FedLoan Servicing is the only loan administrator that does PSLF. FedLoan Servicing claims that I did not make a full payment in XX/XX/XXXX and again in XX/XX/XXXX. This is simply not true. My payments have been on auto draft since I began making them, so unless they auto-drafted an incorrect amount this isn't possible. I am working to reach XXXX to clarify this issue. I have been calling periodically since XXXX XXXX   XXXX and there is yet to be a resolution, and it is now XX/XX/XXXX, nor can they provide me with a date to expect a resolution. They will not allow me to speak with anyone in the investigative department. I spent an hour and twenty-one minutes on the phone with a representative name " XXXX '' ID number XXXX, and then her supervisor " XXXX '' ID XXXX. Neither of them were able to resolve the issue or give me a time frame. A simple investigation of auto-drafted payments, with no change in qualifying employers should not take more than a year to complete with no end in sight. I stated this to XXXX who told me that " We simply don't have the resources to answer your questions today. We are the only loan company who deals with PSLF. '' This is a horrendous waste of tax dollars and is disrespectful to the individuals who work hard to provide public services for the betterment of our country.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX  XXXX not mine INQUIRIES XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX NA XX/XX/2018 unauthorized COLLECTIONS XXXX   XXXX XXXX not mine XXXX XXXX not mine

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 2019-10-16 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
i HAVE FILED WITH FTC, I HAVE WRITTEN CREDIT BUREAUS AND CREDITOR

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: IN

Complaint narrative:
I DO NOT UNDERSTAND THE REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS ( XXXX XXXX WITH A BALANCE OF XXXX AND 120 DAY LATE PAYMENTS ). IT IS REALLY AFFECTING THE OVERALL GOALS I WANT TO ACHIEVE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT FROM MY CREDIT REPORT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW THE REASON AS TO WHY THIS IS STILL REFLECTING.

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 2019-10-16 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: IN

Complaint narrative:
I DO NOT UNDERSTAND THE REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS ( XXXX   XXXX  WITH A BALANCE OF XXXX AND 120 DAY LATE PAYMENTS ). IT IS REALLY AFFECTING THE OVERALL GOALS I WANT TO ACHIEVE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT FROM MY CREDIT REPORT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW THE REASON AS TO WHY THIS IS STILL REFLECTING.

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 2019-10-16 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: IN

Complaint narrative:
PLEASE INFORM ME AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS. I HAVE ATTEMPTED SEVERAL TIMES TO DISPUTE THIS ACCOUNT OFF AND NOTHING HAS BEEN DONE ABOUT IT, NEITHER IS IT VERIFIED OR ACCURATE WHAT SO EVER. THE ACCOUNT FOR XXXX LOOKS LIKE IT'S FROM XX/XX/2017 WITH A BALANCE OF XXXX, REPORTING 60 DAY LATE PAYMENTS. PLEASE INFORM ME AS TO WHY IT'S STILL ON THERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or about XX/XX/2019 I received a phone call from wells fargo, asking me the was unusual activity on my credit card. I immediately told the agent to cancel the card as all the transactions where made in XXXX XXXX, when i was in XXXX the whole time. Wells fargo has decline my claim stating that i responded to a text and verified this transactions. My XXXX Was missing with my credit card in the XXXX case. I never locked the XXXX because my kids used it. Well imessage was link to the XXXX and tex messages send to my phone number will also go to the XXXX  and could be respond from there as well. Just to be clear the XXXX had its own internet service that i paid for and all the app and services were fully accessible. 
This is over whelming Because this there is almost XXXX XXXX dollars charged to the account that i have to pay now. 
I wish they had a little better fraud detecting system.

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 2019-10-16 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: CT

Complaint narrative:
XXXX is stating that i am ( 60 ) days late, but the payments were made on time for the wrong amount due to miscommunication. It was off by ( {$100.00} ). 

Ive been a customer at XXXX finacial for 5+ years. I always enroll in automatic with drawl for the whole term of the lease, for some reason in XXXX of this year it expired. Usually its supposed to last for the whole lease term. So XXXX gave me a call to tell me that it had expired and i had to set it up online all over again. Due to the fact that i dont receive statements I enrolled in paperless mail for the past 5+ years, the payment automatically with drawls every month. When i set it up online, I put the amount of ( {$1300.00} ) I recall speaking to someone at XXXX and they gave me that amount. I dont receive statements, so i dont know how they would think i came up with that number on my own.The ( {$1300.00} ) is the amount before taxes. The correct payment thats been coming out of my account for the past 5 years is ( {$1400.00} ). I've been a loyal costumer and I have leased 3 vehicles from XXXX and my payments are always on time, and i always pay the correct amount. The payments were made ( XXXX, and XXXX ) their system kicked out the XXXX payment because it was ( {$100.00} ) off. If someone were to have given me a phone call to tell me that my payments were off, I would have gladly fixed them. I dont feel that this should be on my credit reort due to an error of {$100.00}. This has gotten me very upset, disappointed, and frustrated I really need someone to help me witht this situation, because I have been such a great costumer with them over the years.

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