vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-23 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: ProCollect, Inc.
State: FL

Complaint narrative:
I contacted XXXX in regards to a collection account, ProCollect, that was being reported incorrectly on my credit report. I disputed the item with XXXX on XX/XX/2018 ( certified, signature receipt ). XXXX sent me an updated report ( confirmation # XXXX ) and corrected most of the error but left one  remaining which is affecting my credit score. ProCollect ( collection company ) is reporting that it is still open when it is not. I have sent XXXX a copy of my Chapter XXXX bankruptcy ( XXXX ) filings showing them that ProCollect was included and that this account should either state included in chapter XXXX or state that it is closed. I have a copy of what I sent to XXXX with a copy of the certified mail receipt.

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 2018-08-23 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: WA

Complaint narrative:
XXXX and Transunion are both alleging that the XXXX XXXX account reflected on my credit report is accurate and verified. The inaccuracies listed below : *The account type listed for XXXX is factoring data and collection on Transunion XXXX reflects a past due amount of {$480.00} and Transunion reflects XXXX *XXXX reflects payment history as ok from XXXX ; Transunion reflects no payment history *The account number differs among the 2 bureaus *They are allowing XXXX to list 2 different names among the bureaus for the same account These inaccuracies alone are grounds for removal. Additionally, in my communication with XXXX, if they indeed own the debt, they did not provide any credit card agreement forms, a mere statement does not validate the amount alleged to be owed. XXXX did not provide a comprehensive accounting ledger of the account.

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 2018-08-23 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
XXXX and XXXX are both alleging that the Portfolio Recovery account reflected on my credit report is accurate and verified. The inaccuracies listed below : *The account type listed for XXXX is factoring data and collection on XXXX XXXX reflects a past due amount of {$480.00} and XXXX reflects XXXX *XXXX  reflects payment history as ok from XXXX ; XXXX reflects no payment history *The account number differs among the 2 bureaus *They are allowing Portfolio to list 2 different names among the bureaus for the same account These inaccuracies alone are grounds for removal. Additionally, in my communication with Portfolio, if they indeed own the debt, they did not provide any credit card agreement forms, a mere statement does not validate the amount alleged to be owed. XXXX did not provide a comprehensive accounting ledger of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sachs failed to conduct fair and accurate oversight when they trained XXXX XXXX XXXX and also helped him to get licensing as a banker. 

XXXX XXXX speaks about Goldman Sachs as his source of training. He claims the company is pure evil. He cites his time working under XXXX and he openly discusses XXXX 's dealing with his clients. 

XXXX XXXX is a known abuser of women. 

She should have disclosed to me that XXXX XXXX XXXX physically beat his wife and his ex-wife XXXX XXXX and children. 

I have the documents to prove this and they are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
Two payments were made, the first on XX/XX/XXXX for XXXX confirmation code XXXX. The second was made XX/XX/XXXX also for XXXX confirmation code XXXX. Despite these payments which would have brought my amount due to 0, I continue to receive emails and regular mail letters stating I am severely overdue. On Tuesday XX/XX/XXXX an XXXX XXXX XXXX rep told me the issue stemmed from the payments being made " during a transition '' and the issue would be resolved and the payments applied. Today a gentleman told me my loan has not " fully converted '' to their company and that he wasn't sure why. The payments were both deducted from my bank account but seem to be lost in limbo. My primary concern is if the 2 payments take too long to apply and the delinquency is reported to credit bureaus, considering they've now been lost for 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: AL

Complaint narrative:
THE COMPANY HAD TOLD ME SEVERAL MONTHS AGO THEY WOULD TURN ME OVER TO GARNISHMENT BECAUSE OF DELINQUENT IN MY PAYMENTS. THIS WAS BECAUSE OF SHORT TIME AND SICKNESS OF MYSELF AND A FAMILY MEMBER. I WAS ASKED TO BRING IN XXXX DOLLARS THAT DAY OR BE GARNISHED. I TOLD THEM I DIDNT HAVE IT BUT WOULD GET PAID THE FOLLOWING FRIDAY, NOT ACCEPTABLE SO I HUNG UP. THE NEXT FRIDAY THEY CALL FOR A PAYMENT AS IF NOTHING HAD HAPPEN SO I PAID AND PAID AND PAID THE AMOUNT WAS XXXX XXXX.WHEN I QUESTION THEM ABOUT MY BILL SHOULD BE PAID OUT THEN THEY TELL ME ABOUT THE LATE CHARGES, SO I STARTED PAYING {$100.00} EVERY TWO WEEKS, ON THE PAYMENT THAT I QUESTIONED I PAID XXXX AND THOUGHT THAT WAS IT, THEY INFORMED ME I STILL OWED OVER 200 DOLLARS MORE. I STOP PAYMENTS AND TOLD THEM WHEN THEY COULD PROVE I OWED THAT MUCH WE COULD TALK. NOW THEY ARE CALLING MY CHILDREN MY FRIENDS AND BLOWING UP MY PHONE AT WORK THIS HAS TO STOP OI I WILL SEEK FURTHER ASST. THE COMPANY IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: NV

Complaint narrative:
XX/XX/2018 I disputed a collection account that claimed I owed for pet severe damage to a carpet in the sum of {$1900.00} reported by a collection company called XXXX XXXX. I had issues uploading supporting documents to XXXX showing that my son and I are both allergic to pets. There is also proof in my lease agreement that I never owned pets. I was ever fined or charged any pets fees over the course of my stay at the apartment. I was finally able to upload documents XX/XX/2018 yet XXXX will not reinvestigate I had even called a spoke with someone personally XX/XX/2018 and he said they would reinvestigate and the investigation was complete the next day. If XXXX doesnt resolve they will be included in my lawsuit against the debt collector and the original creditor. 
Prior to all of this we tried resolving with original creditor and in return were ignored and sent to collections, tried to explain to collection agency, and now XXXX has failed to do their investigation properly. 
As you will also see I have proof that we did a walk through with the apartment, they told us we didnt need to clean the carpet as they have a professional carpet cleaning company. During the walkthrough they mentioned NOTHING about the carpet needing to be replaced, yet replaced the entire carpet when we moved out. I have attached photos.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
XX/XX/2018 I disputed a collection account that claimed I owed for pet severe damage to a carpet in the sum of {$1900.00} reported by a collection company called I.Q. Data. I had issues uploading supporting documents to XXXX showing that my son and I are both allergic to pets. There is also proof in my lease agreement that I never owned pets. I was ever fined or charged any pets fees over the course of my stay at the apartment. I was finally able to upload documents XX/XX/2018 yet XXXX will not reinvestigate I had even called a spoke with someone personally XX/XX/2018 and he said they would reinvestigate and the investigation was complete the next day. If XXXX doesnt resolve they will be included in my lawsuit against the debt collector and the original creditor. 
Prior to all of this we tried resolving with original creditor and in return were ignored and sent to collections, tried to explain to collection agency, and now XXXX has failed to do their investigation properly. 
As you will also see I have proof that we did a walk through with the apartment, they told us we didnt need to clean the carpet as they have a professional carpet cleaning company. During the walkthrough they mentioned NOTHING about the carpet needing to be replaced, yet replaced the entire carpet when we moved out. I have attached photos.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: MN

Complaint narrative:
I have contacted Experian on various occasions throughout the year of XXXX and XXXX regarding inaccurate information on my credit report which includes the following : Inaccurate addresses : I was told that account could not be removed as they were reported by original creditor. I contacted creditors which took hours and was told that they are only reporting my current address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Late payments : XXXX XXXX XXXX Experian is showing over 6 late payments on this account, including a late this month XX/XX/XXXXwith a past due balance of {$540.00}. My payment has been made on time for XXXX and XXXX also reports 1 month behind ; therefore it would be impossible for them to receive this information. This is a clear error and Experian refuses to correct it. 

Late Payment : XXXX XXXX This account has never been late. 

Chapter XXXX Bankruptcy I have not Chapter XXXX bankruptcy and Experian is the only credit report with this listed on it. 

Listing of a Spouse : I am not in anyway associated with anyone who should be listed on my credit report. 


Listing employer : Requested that this be removed. They refuse. It is not accurate information. I have not worked for XXXX XXXX XXXX in the last 4 years. 

Listing of accounts from XXXX and XXXX. 

Listing of XXXX XXXX XXXX XXXX as a disputed account. This is an account that I have had since XX/XX/XXXX and it is in good standing. It was NEVER disputed and is being reported incorrectly with the high limit amount.

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 2018-08-23 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: PA

Complaint narrative:
Greetings, I have initiated multiple disputes with XXXX for incorrectly reported late payments on the XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my XXXX, TRANS UNION & XXXX credit reports. XXXX, TRANS UNION & XXXX   should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to XXXX, XXXX, TRANS UNION & XXXX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The XXXX account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : EXPERIAN Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX TRANS UNION Reported Late Payments : 1 ) XX/XX/2016 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 )XX/XX/XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 )XX/XX/XXXX 3 )XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA 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 2018-08-23 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: PA

Complaint narrative:
Greetings, I have initiated multiple disputes with XXXX for incorrectly reported late payments on the XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my EXPERIAN, XXXX XXXX & XXXX  credit reports. ECPERIAN, XXXX XXXX & XXXX   should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to XXXX, EXPERIAN, XXXX XXXX & XXXX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The XXXX account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : EXPERIAN Reported Late Payments : 1 ) XX/XX/XXXX 2 )XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2018-08-23 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: Nelnet, Inc.
State: PA

Complaint narrative:
Greetings, I have initiated multiple disputes with NELNET for incorrectly reported late payments on the NELNET Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my XXXX, XXXX XXXX & XXXX credit reports. XXXX, XXXX XXXX & XXXX  should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to NELNET, XXXX, XXXX XXXX & XXXX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The NELNET account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX XXXX XXXX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: TN

Complaint narrative:
XX/XX/2018, Experian received my request to delete an item from my credit report from XXXX XXXX for {$260.00} regarding a medical collection because they did not successfully validate the debt within 30 days. In addition, Collection agency may have committed possible HIPAA violation in that theyve directly sent me a copy of medical records but there is no proof of a HIPAA release form with my signature or any proof the agency is a Business Associate which I specifically, addressed and requested from collector. Later in the investigation, I also researched and contacted alleged original creditor and the entity stated the debt was sold and not assigned, therefore, if the collector isn't representing the original creditor, they are not considered Business Associates and don't have the right to protected health information. Furthermore, Experian did not complete an independent investigation of the matter which is required by FCRA. The company simply sent an XXXX statement that the account is accurate. In terms of violations already committed, the collector never entered a notation on the account the item was disputed and never ceased collection activity during the validation process, and neither did Experian when I disputed them directly and they also falsified an " in dispute '' notation when I received the dispute results on XX/XX/2018 ( I have a copy of my Credit Report XX/XX/2018 In Dispute is not in comments section that day or any other day of the dispute process ). Concluding, Experian did not handle this correctly, when confronted with violation committed by the collector, my rights were not protected, and I have physical records as proof.

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 2018-08-23 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: ECMC GROUP, INC.
State: TX

Complaint narrative:
I have already tried to fix the problem using this web sight. a line of credit labeled XXXX XXXX XXXX is reporting a payment back in XXXX of this year for 120 days late. the account was payed off through a consolidation back in XXXX throught he resolution from the last complaint the company agreed to delete the line of credit. till this day the error on the line of credit still exist. Please ... I need this resolved as soon as possible ... I was suppose to close on the XXXX of XXXX and this blurp in my credit is holding me back from getting the best rate possible. i appreiated anything that can be done to resolve this issue as fast as possible

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