vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-13 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: TN

Complaint narrative:
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Transunion failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, 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 2018-11-13 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: TX

Complaint narrative:
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX   XXXX  XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: TX

Complaint narrative:
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, 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 2018-11-13 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: TX

Complaint narrative:
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so..Transunion failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX  XXXX, and 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 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion is reporting outdated information in my credit file. XXXX XXXX XXXX XXXX credit card reported XX/XX/XXXX but TransUnion is displaying information from XX/XX/XXXX. It is almost XX/XX/XXXX and TransUnion is still displaying information from XX/XX/XXXX on my credit file. My real XXXX XXXX XXXX  XXXX credit card balance is {$240.00} with a limit of {$1700.00}, My real XXXX XXXX XXXX  credit card utilization is 14 % and my overall credit utilization is 22 %! TransUnion is displaying false and outdated information in my credit file to make me look less credit worthy than I am. TransUnion is doing this out of spite because I am suing them for breaking FCRA guidelines. I uploaded the true numbers from my 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 2018-11-13 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: CA

Complaint narrative:
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : 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 2018-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX a check was deposited into PayPals online account I made which was my check but did not upload. My card that was with PayPal which was a debit card was stolen and someone withdrew out {$400.00} which included fees. I was able to recover the funds after having rude customer service when I was calling. Then I was told they would hold my funds for 6 months/180 days which I can not and will not wait for. I told them numerous of times what happened and that they need to release my funds so I no longer have these issues and do not want to do business however they put a limitation on my account without proper investigation and refuse to give back my remaining funds. This is not a good way to treat customers who wanted to trust PayPal. I can see if they held it for less than 4-8 weeks but over 180 days is too obsessive. Some people dont even see their money after 180 days and I do not want to be scammed by PayPal so please help and I hope this help others who are being robbed by them as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Business card is reporting on my personal credit report. A dispute has been active for months but still remains on report. Capital One states they are reporting correctly but your agency is reporting it wrong. Capital One initiated the original dispute. Below is my credit report for said account. It shows as an individual personal account. This account is for business purposes only and should never appear on my personal credit report. REMOVE THIS ACCOUNT IMMEDIATELY!

Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$12000.00} Owner INDIVIDUAL Credit Limit {$15000.00} Account Type REVOLVING Terms Frequency MONTHLY Term Duration XXXX Balance {$9000.00} Date Opened XX/XX/2018 Amount Past Due Date Reported XX/XX/2018 Actual Payment Amount Date of Last Payment XX/XX/2018 Date of Last Activity Scheduled Payment Amount $ XXXX  Months Reviewed 4 Delinquency First Reported Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Date Closed Date of First Delinquency Comments Consumer disputes this account information Contact CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX, VA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Renton Collections Inc.
State: WA

Complaint narrative:
On XX/XX/18, I was sent to collections for a debt that was not mine. The medical debt, XXXX XXXX XXXX   did not submit the billing to my EMPLOYER as directed on the Self insured form. They continued to send me the bill, however, I was injured as a result of an assault while on duty at work. XXXX sent my account to RENTON COLLECTION # XXXX. This collection should not be in my credit report, as this has been paid by my employer and this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: NY

Complaint narrative:
XXXX  XXXX Business card is reporting on my personal credit report. A dispute has been active for months but still remains on report. XXXX  XXXX states they are reporting correctly but your agency is reporting it wrong. XXXX XXXX initiated the original dispute. Below is my credit report for said account. It shows as an individual personal account. This account is for business purposes only and should never appear on my personal credit report. REMOVE THIS ACCOUNT IMMEDIATELY! 

Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$12000.00} Owner INDIVIDUAL Credit Limit {$15000.00} Account Type REVOLVING Terms Frequency MONTHLY Term Duration XXXX Balance {$9000.00} Date Opened XX/XX/2018 Amount Past Due Date Reported XX/XX/2018 Actual Payment Amount Date of Last Payment XX/XX/2018 Date of Last Activity Scheduled Payment Amount XXXX XXXX Months Reviewed 4 Delinquency First Reported Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Date Closed Date of First Delinquency Comments Consumer disputes this account information Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Critical Resolution Mediation LLC
State: TX

Complaint narrative:
the latest contact from CRM was by a unidentified male from XXXX and XXXX, a relative answered my phone and was told enough information to file a case has been gathered, I called the number back and informed the male who answered after recognizing the number from previous interaction, that I had been informed by original loan provider that the collection was given to XXXX in whom I currently have payment arrangements with and at no point was a CRM given the collection and no payments made to them had been posted to the original debt and that this was looked into after funds were removed from my account for pizza purchases in there area and court fees in XXXX Virginia, over 3 months ago. He then stated that they would be garnishing my wages and will contact XXXX county soon. I continued to inform him that the collection is now and always has been with XXXX XXXX XXXX and that I am currently paying the debt to them as I did over 3 months ago when my money came up missing. it is an XXXX XXXX pay day loan out of XXXX Texas {$1400.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: Innovis
State: AR

Complaint narrative:
INNOVIS FAILED TO REMOVE XXXX XXXX LOAN AND XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
EXPERIAN FAILED TO REMOVE 4 HARD INQUIRIES, XXXX XXXX DATED XX/XX/2018, AND XXXX DATED XX/XX/2018 AND XXXX  XXXX AND 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 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2018 I attempted to transfer my account from within XXXX XXXX. XXXX required my credit report to complete the transaction. I had frozen my report when the massive data leak occurred, so I needed to unfreeze it long enough for XXXX to have access to it. Following XXXX 's instructions, I called Equifax and requested they unfreeze the report. After several repeat calls to provide Equifax with enough personal information that they would acknowledge it was me on the phone, they agreed to unfreeze the report at XXXX. 
When XXXX tried to complete the transfer at approx. XXXX, the account was still frozen. Both I and the XXXX representative called Equifax again and this time were told it took " up to an hour '' to unfreeze the report. At XXXX, XXXX tried again, but the report was still frozen. I called Equifax again to see what was wrong and I was told they were having system problems and that it would be fixed in another hour. I reported this to XXXX, but my representative had gone off duty. 
This morning I tried again to process the transfer with XXXX and again I was told the report was still frozen by Equifax and that I should call them yet again when they open at XXXX. This II will do, but I resent the runaround they have given me. The power they have over the consumer isterrible. Someone needs to do something about them..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
My loan was transferred to SLS from XXXX several months ago. I was a couple of payments behind when I sent in a payment to the XXXX location. The check was never cashed and I never received the check back. I spoke with XXXX ( ID # XXXX ) a customer service rep on XX/XX/18 about the payment that was made and why havent I received any phone calls from them since my loan was transferred to SLS from XXXX. About the payment she said that the payment address had been changed to a California address and I told her that I was not aware of that since my payments where usually made online. The payment fee over the phone was so high that I sent in a check for my payments. XXXX didnt charge me for making payments over the phone or online. She said the contact numbers they had for me was not good contact numbers. I let her know that between them and XXXX someone dropped the ball on transferring them my correct contact phone number, because every time there was contact it was me contacting them to make my payments over the phone. The phone payments were free initially when the loan was first transferred and then they started charging outrageous fees to make payment over the phone so I decided to send my payment through mail. And they say the never received it because my payment was sent to XXXX and SLS said that the payment address was changed to California. SLS never contacted me about anything. They never mailed me info about struggling borrowers. They never sent info about a loan modification, repayment plan or anything. They just sent my file directly to their foreclosure attorney and has now attached all type of unnecessary fees to my account that will make it hard for me to reinstate my loan. SLS has been double charging me for inspection fees and late fees since my loan was transferred to them. Notice the three different bills thats attached with the same charges on all three bills. Im asking that they review my account immediately and remove charges from my account as well. Im still waiting for a call back from a supervisor to discuss this situation thats not fair and that should have never happened.

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 2018-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
When I first graduated in XX/XX/1998 and couldn't pay the steep payments I was told to keep taking forbearance by what was then Sallie Mae. Never once was I informed about any Income Based Repayment. I have never been in default. I finally ended up on the IBR program around 13 years ago and this year when I re certified I was given a bigger payment although I had just had a second child. I was pressured into re consolidating even though I knew that would restart the clock for any forgiveness. I was told that I couldn't get any forbearance to cover the payment while they recalculated my payment based on the fact that my finances had changed. I was told to reapply for my re certification with a paper form. I did this. I received no notification that the application was received. I paid the amount due from the previous plan and started receiving delinquency notices. and Finally 2 months later a notice saying that I couldn't re certify because it was to early for next year. Their website offers no way to figure out what is going on. The page tells you a different payment amount then a person which is different than a bill. Seems to me this company sets you up for failure. These are predatory practices. Its 20 years later and I have never been in default and my loan balances have doubled. Now for the first time I am in danger of default because of the practices of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX FAILED TO REMOVE 4 HARD INQUIRIES, CAPITAL ONE DATED XX/XX/2018, AND XXXX DATED XX/XX/2018 AND XXXX XXXX AND XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
XXXX FAILED TO REMOVE 4 HARD  INQUIRIES, XXXX XXXX DATED XX/XX/2018, AND XXXX DATED XX/XX/2018 AND XXXX XXXX AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: Lending Club Corp
State: WA

Complaint narrative:
XX/XX/2018 I Called Lending Club and Paid Complete Balance XXXX ( approx ) In Full Via Phone. 
BEFORE I MADE THE PAYMENT, I ASKED IF THE DEFAMATORY REMARKS AND THE INCORRECT STATUS ON MY CREDIT REPORT WILL BE REMOVED. I SPOKE TO TWO PEOPLE WHO CLEARLY STATED ALL REMARKS EXCEPT 30 60 DAYS LATE ON ANY PAYMENTS WILL BE REMOVED " CHARGED OFF XX/XX/18 '' AND BALANCE OWING XXXX WILL BE REMOVED. 
LENDING CLUB HAS A RECORDING OF THIS CONVERSATION WITH BOTH EMPLOYEES. 
3RD WEEK OF XXXX I CALLED LENDING CLUB EXPLAINING DEFAMATORY REMARKS AND INCORRECT STATUS NOT UPDATED. I WAS TOLD BY A LENDING CLUB EMPLOYEE THAT THE 2 STAFF MEMBERS I SPOKE TO WERE WRONG, REGARDLESS IF THERE'S A RECORDING, THEY WILL NOT CORRECT THE ERRORS ON MY REPORT. THIS IS FALSE REPORTING. 
PLEASE LOOK INTO THIS AGAIN. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, Equifax and/or the companies listed above that did the hard inquiries can correct this issue. 


I also purchased another vehicle from XXXX of XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX of XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, Equifax and/or the companies listed above that did the hard inquiries can correct this issue.

Company response to consumer: Closed with explanation