vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-13 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I contacted company to ask a correction on the lenght of credit history with the PC Richard Company. They said the could correct the error because the amount time expired when was reported. My original account opened XX/XX/XXXX. XXXX was active to XX/XX/XXXX when they attempted to correct their mistake and close the account on paper but in XX/XX/XXXX they changed my number because I did not have my card for a in store purchase and changed my number triggering the start of a new account instead of continuing my current account in their hast to make the sale. Months later I noticed receiving two different statements a month. When contacted they claimed it was not correctable but yet the account was on the credit report open until XX/XX/XXXX. My complaint is that my length of credit age with that account was incorrectly shortened by 11 yrs which understates my overall average credit age. I did not see my dispute # XXXX with XXXX correct the error. Actually the opening dates of the account opened in XX/XX/XXXX has been changed according to an updated XX/XX/XXXX XXXX XXXX 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 2019-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I filed a complaint last week with the CFPB on Santander my car company for something that we found that they had placed in our credit history. In XX/XX/XXXX I advised them that I was going to be out until XX/XX/XXXX with XXXX  XXXX and would be catching up three payments one in  XX/XX/XXXX and two in XX/XX/XXXX they advised they did not have a problem with that as long as the payments were made. I called the two ladies on Friday morning at XXXX XXXX XXXX and XXXX and some man named XXXX or XXXX as he called himself advised that he had reviewed the account and the information would stand as he show it. That is not fair for Santander to go back and place that information in our credit when we have never lost the car we are still driving the car and we have continued to make the payments and we have been current on the payments the last three years. they have also jumped again and made a determination without giving us a chances. This does not need to stay on our credit history for 7 years. We have not declared anything and we have paid for this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Report Id number Credit Reporting agency ; XXXX Called in On the following date- Monday XX/XX/2019. Spoke to an Credit dispute department at chase per phone call, the agent did agree, the Banking details where place incorrectly / there was a call of correction that were made Prior call give indication payment was process as a ( Payment missing digit ) was told by chase agent that late fees where removed/ and was told it wouldn't update or report. to Credit Reporting agency and awardances of XXXX airways points would be added to my account as well. As it show there are no late fees are payment reversal fees they have been Corrected and Credit. The reason for my contact by internal Message is to reqest the removal of these late payments on the Credit Report. As you may review the account all payments are up to date. everything has been Correct the most important Correction would be to the Credit Reporting agency. As it shows perdate of XX/XX/2019 potentially damaging update this card has provided me an Great travel experiences. and with my great payment history for the past 10 years of Credit history, I would like to continue the usage thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: ND

Complaint narrative:
Judgment was filed against us on XX/XX/XXXX with the XXXX XXXX Circuit court for {$2100.00}. Docket # XXXX Another judgment was filed against us on XX/XX/XXXX with the XXXX XXXX Circuit court for {$17000.00}. Docket # XXXX Bankruptcy was filed on XX/XX/XXXX and was discharged in XX/XX/XXXX. Docket # XXXX Both of these judgments are still showing up on our credit report as open/filed and need to be removed or closed.

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 2019-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I had an Allegiant credit card through Bank of America for a couple of years that required an annual fee. On XX/XX/19 they closed my current account that had no balance that I recently had paid the entire balance. They had charged me this year 's annual fee ; so I asked for a return of the annual fee. They never responded.

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 2019-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2019.A Capitol One account was open in my name.In the month of XX/XX/XXXX I notice that Capitol One was not reporting payments made, credit usage and credit information to the three credit bureaus. 
I contacted Capitol One requesting them two weeks ago to please update my payments and credit usuages on Time to the three bureaus.I even sent out a certified mail towards Capitol One P.O. Box disputing department center as requested by agent.Havent seen nothing change.I call capitol one keep saying its reporting to all three credit bureaus, when I call all three credit bureaus.The credit agencies saying they see no file or credit date open. 
Now today XX/XX/2019 my XXXX score of XXXX went down to XXXX.Becuase Capitol reported inccorrect information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: TN

Complaint narrative:
To whom it may concern, I am writing to have an incorrectly reported late payment removed from my credit history. The creditor, XXXX XXXX, states they have attempted to remove it and are unsure why it is still appearing on my reports. 
The following is a summary of events for the account in question : XX/XX/XXXX : 39 month lease signed XX/XX/XXXX XX/XX/XXXX : Payments made on time using autopay XX/XX/XXXX : Called XXXX XXXX and explained I purchased a new truck and would like to pay off and turn in the lease early, they walked me through it online, the remaining payments to the end of the 39 month lease were paid in full and the truck was turned in to the local XXXX dealer, XXXX XXXX. 
XXXX XX/XX/XXXX : I received a credit alert stating my score had dropped. Upon investigation it was the XXXX lease stating I was over 30 days late. I could not call because they were closed on weekends. 
XXXX XX/XX/XXXX : I called XXXX XXXX and they stated I had never turned in my truck, therefore I was still being charged. I explained the truck was turned in last XXXX, they requested that XXXX XXXX, the dealership, send them proof of the turn-in. XXXX XXXX faxed copies of the turn-in to XXXX XXXX the same day. I called XXXX XXXX back and they stated the documents were received and that they would request a correction to my credit history to the reporting bureaus but that it may take a few weeks to correct. 
Early XX/XX/XXXX : Credit reports still show a late payment on my credit history. I called XXXX XXXX back and they stated they would again request a correction to my credit history. 
XXXX XX/XX/XXXX : Credit reports still show late payment on my credit history. I again called XXXX XXXX. The representative stated she would send me a letter showing my account was closed in good standing and with a perfect payment history that I could send to the credit reporting bureaus to have my credit history restored. 
Supporting documentation from XXXX XXXX is attached where they state my account had zero late payments. Additional documentation is also attached from XXXX XXXX, the XXXX dealer I turned my truck into showing I turned it in in XX/XX/XXXX. 

Thank you for the help,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: TX

Complaint narrative:
Upon checking my credit score, I found a negative remark from a debt collection agency called AR Resources. The original creditor was listed as XXXX XXXX XXXX XXXX. I never received any bill or notification from AR Resources or XXXX XXXX XXXX, so I the negative remark on my credit report is obviously erroneous. 

I managed to contact XXXX XXXX XXXX ' billing agency, XXXX. As it turns out, XXXX used the wrong address when attempting to send me the bill. This incorrect address was passed on to AR Resources. Thus, I received no bill nor notification of any debt owed. 

XXXX admitted their fault, and requested via email that AR Resources remove any negative remarks from my credit report, as I never had the chance to pay any bill or debt. 

However, according to XXXX, AR Resources is refusing to correct my credit report until their account is settled. This is unreasonable as, again, I never received any bill because of XXXX XXXX admitted mistake. 

I have done nothing wrong, and yet my credit score is being negatively affected. I am currently applying for jobs, apartments, credit cards, new insurance, etc. So, my incorrect credit score is having real effects on my life. I don't understand why AR Resources won't correct my credit score, when the guilty party ( not me ) has admitted their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: ND

Complaint narrative:
Judgment was filed against us on XX/XX/XXXX with the XXXX XXXX Circuit court for {$2100.00}. Docket # XXXX Another judgment was filed against us on XX/XX/XXXX with the XXXX XXXX Circuit court for {$17000.00}. Docket # XXXX Bankruptcy was filed on XX/XX/XXXX and was XXXX in XXXX of XXXX. Docket # XXXX Both of these judgments are still showing up on our credit report as open/filed and need to be removed or closed.

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 2019-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
hi I made a online account with = XXXX, for XXXX $ in the middle of the online transaction with the loan, the XXXX site had errors making it not getting to the process of funding my account, but I did sighn the loan docs etc, the site went bad over and over? now its on my = XXXX credit report saying I got the XXXX $ and listed, I, m asking for suffering and financial losses from XXXX website errors and more ok? 

I would like the Amount of = XXXX $ Deposited to my BANK, FROM FINANCAIL LOSSES, WEBSITE FRAUD & THEFT ETC AND RUINING MY CREDIT SCORE ETC, AND LOSSES FROM WORK, GAS, TIME, PLEASE DEPOSIT MY XXXX $ XXXX CREDIT REPORT # ID= XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
experian will not allow me to dispute! im trying to dispute midland funding

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 2019-05-13 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: DISCOVER BANK
State: NY

Complaint narrative:
This is an issue Discover was going to handle a long time ago. I was recently looking at my XXXX XXXX and noticed it is saying XX/XX/XXXX I applied or signed for some type of thing with there bank or credit card. I had called them XX/XX/XXXX and this was all told me it would be solved. I had no idea this was still on my report. 

I did not do this. This was fraud and not authorized by me. I was informed this would be off my credit file but for some reason it is still showing up on my XXXX and XXXX and other credit reports. I had just called them to try to understand and they have no knowledge or any card or inquiry from there customer service team. I called them XX/XX/XXXX was the recent call. I asked them to put on the notes and if they could remove them. I was getting run around answers. 

I do not have an account with them. I did not have an account with them. I did not apply for any account with them. I am hoping someone here can help resolve the situation and fix this so my credit report is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management bought my XXXX credit card debt that is 10 years old, and they will not stop calling me from different numbers to collect. The amount of calls I get each day are absurd, I use my cellphone for personal as well as my business so this is taking away from calls to/from my clients. The California Statue of Limitations states that lenders can not attempt to collect debts that are more than four years past due, this debt also should be removed from my credit report after 7 years. As this debt is over 10 years old, I do not believe I should still be getting harassed over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 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: FL

Complaint narrative:
I WAS VICTIM OF IDENTITY THEFT, SOMEBODY USED MY PERSONAL INFORMATION TO OPEN CREDIT CARDS AND GET MEDICAL CARE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Man-Data Inc.
State: OR

Complaint narrative:
I kept getting these calls about this debt ... I told the girl calling that I work from XXXX to XXXX monday through friday and she could only call me on my lunch hour or after work hours. She continued to call and I continually rejected the call or hung up. Next call I got I was threatened with legal action. She said she would be sure I was garnished and that if I missed one payment of our arrangement she would make sure legal action was taken. I had asked multiple times for something to be sent in writing about my debt. I was assured things were sent with the dates they were sent and received nothing. I have a XXXX XXXX so not likely my mail would get stolen. I made an over the phone arrangement of {$50.00} per month and when I arrived I talked to a XXXX or XXXX that took my info then came back and said that she would not authorize my payment arrangement. Told me I had to have over {$500.00} which is over half of my debt or they would garnish me. Refused to give me anything in writing including any of their policies. Multiple times I was refused when I asked to speak with a supervisor and was forced to talk to this XXXX/XXXX person. Also I would love to attach documents but unfortunately I wasn't provided with any. Also they tried to get me to give them my husbands social security number which is also very illegal for me to even give let alone for them to ask for it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: PA

Complaint narrative:
Fraudulent account XXXXr XXXX XXXX date open 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 non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
HI MY NAME IS, XXXX XXXX I = DID NOT MAKE THIS ACCOUNT OR APPLIED FOR THESE FUNDS, ITS = THEFT & FRAUD,, A FAIR RESOLUTION TO MY DAMAGES AND FINANCIAL LOSSES ARE = XXXX $ deposited TO mE FOR lOSSES FROM tHEFT & FRAUD, ETC NOT ME, NEVER SPENT MONEY ETC PERIOD. 


XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: PA

Complaint narrative:
Fraudulent account XXXX XXXX XXXX date open XX/XX/XXXX Amount XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Acceptance Solutions Group, INC
State: OH

Complaint narrative:
I received a very threatening voicemail from XXXX XXXX agency stating they were " On there way to XXXX ( Former employer ) and would then be coming to my house to make me sign legal documents. I returned the call to gather information on what this was about or even if it was legitimate. The call was anwsered by a very casual sounding man named " Mr. XXXX '' who I gave my name and the case number to that was left on the voicemail. He then without telling me transferred me to a kind guy named " XXXX '' who I also gave my information too and informed me it was about a debt for {$170.00} from a company named " Acceptance Solutions Group '' for a short term loan from early 2017! I informed I wasn't familiar with this company or loan and then he stated he needed to put me on hold to see if he can " Stop the courier ''. I took this as an obvious scare tactic even though this guy seemed kind. I then was transferred to another person named " XXXX '' who's title was " Director of Operations ''. He informed me that this was a debt that I only had two options for ... Either pay {$170.00} now or I will go to court and will be " forced to pay $ XXXX {$1000.00} for legal and attornys fees, He is just trying to help me out and give me one last chance ''. Again, I am not familiar with this debt or company. He read me my DL Number and email as what I can only assume was an attempt to make me feel this was valid. He then stated the original loan was for {$100.00} and the total pay back was {$170.00} from XX/XX/2017. He stated I made 8 Payments of {$27.00} ( Which totals {$210.00} ) but that I still owed {$170.00}. This did not make sense so I questioned further and asked why I have not received anything on my credit report from them and he informed me it's not on credit reports but it is still lowering my score. He said he understands my confusion with the math but the bottom line is that I have to pay {$170.00} now or I will have to pay up to {$1000.00} in court. I stated he can proceed with the legal paperwork and that was the end of the call. The tactics used by this company ( XXXX XXXX XXXX XXXX ) on behalf of Acceptance Solutions Group I feel are extremely aggressive and threatening. Stating they are on there way to my employer ( No longer work at ) and that they will have my boss OR HR manager sign the paperwork if I'm not available and then come to my house is uncalled for and wrong not even taking into account the math issues explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I used XXXX to obtain my free credit reports from the three credit reporting agencies. I had no problem obtaining my detailed report from XXXX  and XXXX  online in minutes but Equifax is making it difficult and inconvenient to obtain the report. They ask several questions about accounts that were closed 10 years ago and would be difficult to remember such details. They then want me to fill out a paper form, enclose several personal documents and send it through the mail. 
This is an obvious attempt to make obtaining the report difficult so they can avoid providing the report for free.

Company response to consumer: Closed with non-monetary relief