vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi my name is XXXX, I have attempted to contact Experian regarding 3 separate unverified accounts that are sitting in my credit report negatively affecting my ability to obtain credit. 

I have sent a dispute letter requesting that these negative accounts be Verified or removed. 

Experian has failed to respond to my dispute letter sent on XX/XX/2018 and received by Experian on XX/XX/2018 Experian has failed to respond to my signed, notarized, & copied dispute letter within the fair credit reporting act 30 day response time deadline. 

They have failed to provide me with verifiable documentation verifying these accounts or remove said negative accounts that are preventing me from getting credit.

These unverified negative accounts which ave been copied, notarized and sent via certified mail with proof of delivery have not been verified or removed within 30 days of receiving in accordance with s. 169e ( 8 ) of the debt collection practices act & the FCRA 30 day deadline. 

I demand that these unverified accounts be removed immediately and promptly to avoid legal action. 

Below there is an attachment of 3 separate photos providing proof of sent disputes to XXXX onXX/XX/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 2018-12-11 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: SC

Complaint narrative:
I'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my 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 2018-12-11 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: SC

Complaint narrative:
I'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: SC

Complaint narrative:
I have disputed the student loan account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal

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 2018-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Consolidated my loans, ALL of them but they excluded one which they claim was not included but have repeatedly ask them to review as I believe it was included. While I was current on my consolidated payments when these problems began, they continued to contact 3rd parties - did not verify who they were talking to.. one 3rd party said he was me and they discussed the loan in detail with that 3rd party who then forwarded that information to me.

Served them with a Cease & Desist which is ON FILE on my account. As soon as they received it, my Account rep started calling me and leaving me voice mails saying they didn't receive any letter from me, but I had not contacted them period or communicated that to them in any other fashion.

They continue to contact 3rd parties, harass. 
here is the verbiage of the letter that I have sent them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX Navient XXXX XXXX   XXXX XXXX, PA XXXX XX/XX/XXXX CEASE & DESIST Under my federally protected rights that include the Consumer Financial Protection Act of XXXX ( CFPA ), 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing regulation, Regulation V, 12 C.F.R. part 1022 ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, in addition to my rights under the Telephone Consumer Protection Act 47 U.S.C. 227.

I hereby officially notify your agency to CEASE & DESIST with ALL CALLS to ANY AND ALL PARTIES not specifically authorized by me in writing and may only utilize my email, account inbox and/or US MAIL to communicate any concern in writing.

You may REASONABLY communicate with me in WRITING only! 
I am aware of the numerous CLASS ACTIONS against your organization I will be joining those actions, or filing my own action and/or complaints with appropriate agencies. 
This will additionally show yet another attempt at mitigating the damages for the above cited concerns. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Opened an checkings account with XXXX  on XX/XX/18. Afterwards I noticed I couldn't enroll on the online banking website, so I immediately contacted XXXX. XXXX  told me that I needed to speak to my personal banker because they said it was a block on my account to keep me from enrolling on online banking. I talked to my personal banker on XX/XX/18 and he told me that a company called XXXX XXXX XXXX  said they have me for check fraud and that XXXX  were going to enclosed my checkings account. Let me also add that I've never ever heard of this company nor have I ever did business with this company. My banker gave me the number to contact them. I contacted them and they told me I have check fraud with Bank of America on XX/XX/2018. Please help me. I've never been in a situation like this before and I feel like someone's trying to steal my identity.

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 2018-12-11 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: TX

Complaint narrative:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. ( Original Creditor : ) XXXX, ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Being charged for a fraud charge after contacting them serval times they final closed the card but are still asking for payment for something I never received I had tried to purchase a tv and XXXX XXXX from XXXX XXXX XXXX XXXX they claimed the was hold funds from credit card company I tried reach to bank they claimed the funds were in mean time no order was ever processed I am being charged for fraud charge I had contact them more them I should I have to try get this resolved and they say I still have pay balance when I nothing to show for it how is this even legal this was from synchrony home card They cloaked the card but are still asking for money for merchandise I never received I told them I didnt get no tracking information to prove that I have it I was scammed from retailer they recommended on there site now I am out for a cost XXXX I feel that is illegal and fraud how can you have someone pay for something they never got

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 2018-12-11 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: TX

Complaint narrative:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 2018-12-11 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:
Ever since XXXX had a breach of their system they started reporting information on my account that is not true or not appropriate with my business of " XXXX XXXX ''. 

I have no delinquent accounts. 

More important is the report of excessive inquiries for credit. My business requires me to purchase supplies and residential properties, therefore it is only prudent to open accounts with vendors that offer zero interest for 6 months when purchasing several thousand dollars worth of supplies. " Balance to Ratio of Credit limit on revolving accounts '' This is only short term account until the remodel is completed and then paid off with the sale of the property. Also, when " XXXX XXXX '' looking for the best interest rate when purchasing properties is prudent and " Excessive Inquiries in the last 12 months '' is not appropriate. I thought " Like '' inquiries only counted as one inquiry such as purchasing a car, when looking you may go to several dealers to get the best price and each will apply for credit. That should not count as several inquiries.

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 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
I filled out forms from the hospital on my medical bills because of my low income and they told me that I qualified for the help and that my bills would come off my credit report and they haven't!!! I am also charged with people checking my credit score and I have no knowledge of giving anyone permission to check my score and I haven't applied for any loans but everytime I turn around my credit score drops because someone has checked on my score for some reason and my score keeps dropping!!! This is absurded!! And I want it stopped and my score straightened out!!!!

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 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi my name is XXXX, I have attempted to contact Transunion regarding 4 separate unverified accounts that are sitting in my credit report negatively affecting my ability to obtain credit. 

I have sent a dispute letter requesting that these negative accounts be Verified or removed. 

Transunion has failed to respond to my dispute letter sent on XX/XX/2018 and received by Transunion on XX/XX/2018. 

Transunion has failed to respond to my dispute letter within the fair credit reporting act 30 day response time deadline. 

Therefore in accordance with with s.1629e ( 8 ) of the debt collection practices act which clearly states any information known to be false. Can not be reported to any credit bureau. 

I request Transunion immediately delete this information from my credit reports. 

They have failed to provide me with verifiable documentation verifying these accounts or remove said negative accounts that are preventing me from getting credit. 

These unverified negative accounts which have been copied, notarized and sent via certified mail with proof of delivery have not been verified within 30 days of receiving in accordance with s.1629e ( 8 ) of the debt collection practices act and the FCRA 30 day response deadline. 

Below there are 3 separate photos providing proof of sent disputes to Transunion on XX/XX/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 2018-12-11 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: TX

Complaint narrative:
I'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my 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 2018-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX  XXXX  sponsors XXXX  XXXX XXXX credit card. The credit card offer at the store is deceptive and offers a discount that customers can not attain. On XX/XX/18 I attempted to take advantage of the published offer and was told that I could not get 15 % PLUS the 20 % on my " entire first purchase. '' The store manager stated that it was either/or but that is not what their advertisement states. Please review the " in store '' marketing material and it clearly states that customers can get 15 % off when they use the credit card " Plus get '' 3 different deferral payment plans " or '' 20 % off the entire first purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: VA

Complaint narrative:
Tried to make a payment on the website, but it was refused, saying it wasn't enough. My card has been charged off since then. My payment tripled. I had autopay. My card has also been stolen, so I do not know the credit card number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I received a loan for school, through XXXX back in XX/XX/2004, for around {$20000.00}, but the school went out of business before I could finish the classes. Ive been paying on this loan since then, I have tried to work things out with Navient through emails, but have not received any response. I have tried to make payments on their website, but have been refused, stating the payments were not enough. Now my loan is in default. I will not conduct business over the phone, My information is to important.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
I sent NCB management a validation letter on XX/XX/XXXX. I asked them to stop communication with me for 30 days. They agreed and sent me a letter telling me they would stop. They lied and started getting in touch with me XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been using different Maryland numbers starting with ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX a least 5 times a day on those days. I have caller ID. They are located in PA and using MD numbers. I sent them a validation letter after I received a phone call from them but no letter about the debt, and they said they did and I asked for a receipt of delivery and they haven't given me one yet. I have receipt of delivery for the validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I monitor my close closey everyday. Ive set up alerts on my account to notify me each time a transaction has been posted, debited, withdrawn & or credited my account. I submitted a claim for unauthorized charges on my account & called my bank to cancel the card. As of XX/XX/2018 they have charged me NSF in the amount of {$110.00} incorrectly. I called to file a complaint the representative could not explain if the transactions were accurate in which they were not. twice they have also returned checks when I had over 4K in my checking account. This is theft & needs to be investigated. The integrity of this bank is questionable as well. When I call after authenticating myself they still ask me for my full social security number, my driver license number, & DOB, & the security code on the back of my debit card. I do not trust this process & make me afraid I will become a victim of ID THEFT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There shouldn’t be anything on my credit as I have done bankruptcy years ago and mailed to all credit bureaus and most of things on my credit have been on there over 7 years but credit bureaus are so lazy to take them off, I have called, written letters and explanation of why my credit should not have anything on it. 
I even ordered my credit report from all 3 credit bureaus and they all have so many different names under my name that is not me as my identity has been stolen and I have mentioned to all credit bureaus but they don’t seem to care to even fix or take off the names that are not my name on my credit. I’m very disappointed with all the time I have wasted to communicate back and forth with credit bureaus with no respond or changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I am a XXXX XXXX in the XXXX XXXX. My military benefits include {$50000.00} of student loan repayment. I have XXXX  loans with AES/PHEAA as the servicing agency and XXXX XXXX XXXX XXXX XXXX as the lender. The XXXX paid {$5200.00} towards my XXXX loans in XX/XX/XXXX and {$5300.00} in XX/XX/XXXX. These payments go towards principal. I still have four more years of those payments plus one additional year of partial payment of approximately {$2500.00}. I am have been trying unsuccessfully to change my payment terms to interest only, so that I do not have to pay back money that the XXXX will be paying off on my behalf. AES has stated that XXXX XXXX XXXX XXXX XXXX have been non-responsive and/or will not grant my request. I have faxed them two different letters and have spoken on the phone countless times. 

I am an XXXX XXXX who has earned these military benefits. The fact that these companies will not work with me to allow me to use the benefits is unacceptable. By changing my loan to interest only, the lender has the best chance of getting their money.

Company response to consumer: Closed with explanation