vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-01 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: IL

Complaint narrative:
For three years Ive disputed XXXX XXXX invalid late payment history on my credit report. No matter the numeorus amounts of evidence and disputes Transunion and XXXX have allowed it to stay. In XX/XX/XXXX-XX/XX/XXXX I paid off my balance and made all Payments to XXXX XXXX. A few days after thy added almost {$900.00} if interest. I was told that if I made the amount of payments they stated in the agreement no interest would be added. I did this but it was still added. A few months later I received a form about people being misinformed and to dispute it. I mailed the form off and for several months called asking about the form and issue. Each time they pretended to have no knowledge of the issue. This continued until fall of XX/XX/XXXX when I requested every bill so that I can get the Attorney General involved. I received a letter stating as a courtesy they are removing the interest. Yet I still have 30 day late delinquencies reporting for their fraudulent interest scam.

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 2018-08-01 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: IL

Complaint narrative:
For three years Ive disputed Sychnory Banks invalid late payment history on my credit report. No matter the numeorus amounts of evidence and disputes XXXX and XXXX  have allowed it to stay. In XX/XX/XXXX-XX/XX/XXXX I paid off my balance and made all Payments to Sychnory Bank. A few days after thy added almost {$900.00} if interest. I was told that if I made the amount of payments they stated in the agreement no interest would be added. I did this but it was still added. A few months later I received a form about people being misinformed and to dispute it. I mailed the form off and for several months called asking about the form and issue. Each time they pretended to have no knowledge of the issue. This continued until fall of XX/XX/XXXX when I requested every bill so that I can get the Attorney General involved. I received a letter stating as a courtesy they are removing the interest. Yet I still have 30 day late delinquencies reporting for their fraudulent interest scam.

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 2018-08-01 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: IL

Complaint narrative:
For three years Ive disputed XXXX XXXX invalid late payment history on my credit report. No matter the numeorus amounts of evidence and disputes XXXX and Equifax have allowed it to stay. In XX/XX/XXXX-XX/XX/XXXX I paid off my balance and made all Payments to XXXX XXXX. A few days after thy added almost {$900.00} if interest. I was told that if I made the amount of payments they stated in the agreement no interest would be added. I did this but it was still added. A few months later I received a form about people being misinformed and to dispute it. I mailed the form off and for several months called asking about the form and issue. Each time they pretended to have no knowledge of the issue. This continued until fall of XX/XX/XXXXwhen I requested every bill so that I can get the Attorney General involved. I received a letter stating as a courtesy they are removing the interest. Yet I still have 30 day late delinquencies reporting for their fraudulent interest scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: AR

Complaint narrative:
On XX/XX/XXXX Equifax sent a copy of my credit report which included results from an investigation into accounts that were established without my knowledge or consent. Prior to receiving a copy of my credit report, on XX/XX/2018 I spoke with a representative at Equifax XXXX in the Fraud department who advised their verification procedures only included ; a consumers name, address, and social security number. I was told Equifax uses an electronic verification system or a system known as XXXX which performs off of computer generated codes. I advised the representative, that is not 100 % accurate and reasonable verification. I then asked to speak with a supervisor and was told that a supervisor would tell me the same thing. I then insisted on speaking with a manager and was placed on hold for approximately 20 minutes before I had to disconnect the call. In addition, upon Equifax being notified the accounts in question were established through identify theft, Section 609 ( e ) ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to the victim. Equifax is in violation of the FCRA by not providing an original application with my signature obligating me to the accounts that are in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: FL

Complaint narrative:
I work for XXXX XXXX as a XXXX XXXX. I have been employed there for 13 years. I have been paying on a XXXX degree for 5 years. I received information through a work email that I may qualify for a loan forgiveness program through the Federal government. I applied and was accepted. Before my first payment was due I received another email that stated I applied for the wrong program and to reapply for one based on income. I did so and was accepted. I only had a small payment due on the original transfer as the whole payment had not been figured out yet. My first payment through the University of XXXX  ( Fedloan.gov ) site was {$340.00}. I immediately called the company and spoke to customer service and told them that my original payments were only {$310.00} prior to any transfers at 6.8 % interest why did my " loan forgiveness '' payments go up? I was told that my problem would be referred to their account problem department. I never received any correspondence. The next month my payment remained at {$340.00}. I called again and was told that they do see my prior request and would request again. Now my 3rd payment is still {$340.00}. I emailed The University of XXXX  complaint department personally 3 weeks ago with no response. I sent a second email one week ago stating my dismay and fear that this company is fraudulent. I still have no response. I also have complained at the first three requests that I also have never received any disclosure paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have repeatedly advised Portfolio Recovery Associates that I do not owe this debt. Yet they refuse to remove. I sent a copy of an nFTC I'D theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
I was currently paying off a XXXX XXXX XXXX account for a little over 1000.00 I made my first payment and noticed my balance was going down however when I made a second pament I noticed that my balance was no longer going down in fact it was going up when I called and asked about why my balance was not going down the lady on the other end told me they just received an old hospital payment from XXXX XXXX   hospital and they added to my XXXX XXXX XXXX payment arrangement I thought to myself this is not right if I never would have had all my recites I wouldn't have know they tacked on an extra 300 dollars this is misrepresentation of a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have repeatedly advised XXXX XXXX XXXX that I do not owe this debt. Yet they refuse to remove. I sent a copy of an nFTC I'D theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
In XX/XX/2018 I completed a lease on a XXXX vehicle for the full term of the lease of 36 months. Each payment was made on time and the lease was reported in XX/XX/2018 with no balance and paid as agreed. I received a bill in XX/XX/2018 for XXXX which was money owed on the car for excess mileage, and lease disposal fee. In XX/XX/2018 XXXX XXXX reports the lease with a balance of XXXX and pays as agreed. Then on XX/XX/2018 Hyundai reports the lease as 31-60 days late. How can this go from XXXX to XXXX is paid on XX/XX/XXXX, and then is reported on XX/XX/XXXX as 31-60 days late. Also I have had leases in the past with Hyundai and the reporting of the lease has always been for the payment terms, not the end of lease charges. The end of lease charges have been paid as the document attached shows. This is not fair to a good customer who has always made their payments on the lease on time. 
This is not correct the terms of the lease for 36 months were paid on time. I paid the XXXX on XX/XX/2018. I check my credit bureau on XX/XX/XXXX to show the reporting on this account with Hyundai is now showing pays 31-60 days late with a balance of XXXX. This is not correct the account should show paid as agreed with a XXXX  balance. I have always paid this account on time with the payments over the 36 month term. An end of lease charge should not be rated, and the balance has been paid. 
I appreciate your help in getting this credit bureau reporting corrected to show the account as paid in full, and pays as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: FL

Complaint narrative:
In XXXX of 2018 I completed a lease on a XXXX vehicle for the full term of the lease of 36 months. Each payment was made on time and the lease was reported in XXXX of 2018 with no balance and paid as agreed. I received a bill in XXXX of 2018 for XXXX which was money owed on the car for excess mileage, and lease disposal fee. In XXXX of 2018 XXXX XXXX reports the lease with a balance of XXXX and pays as agreed. Then on XX/XX/2018 XXXX reports the lease as 31-60 days late. How can this go from XXXX to XXXX is paid on XX/XX/XXXX, and then is reported on XX/XX/XXXX as 31-60 days late. Also I have had leases in the past with XXXX and the reporting of the lease has always been for the payment terms, not the end of lease charges. The end of lease charges have been paid as the document attached shows. This is not fair to a good customer who has always made their payments on the lease on time. 
This is not correct the terms of the lease for 36 months were paid on time. I paid the XXXX on XX/XX/2018. I check my credit bureau on XX/XX/XXXX to show the reporting on this account with XXXX is now showing pays 31-60 days late with a balance of XXXX. This is not correct the account should show paid as agreed with a XXXX  balance. I have always paid this account on time with the payments over the 36 month term. An end of lease charge should not be rated, and the balance has been paid. 
I appreciate your help in getting this credit bureau reporting corrected to show the account as paid in full, and pays as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2018, Paypal sent me a notification requesting that I gave proper tracking information for some sells that I had made. Until, receiving the information that was needed, I was told that my funds would be held per their buyers protection policy. After submitting the required documentation, I received an email on XX/XX/2018 stating that their investigation was complete and that my funds were no longer on hold and that I had full access to the funds, this is apart of their Sellers Protection Policy. 

During these days, they also decided to close my account after accusing me of doing credit repair services in which on several occasions, I advised them that. After given them proper documentation, in which I was told was satisfying, I received an email stating that my account was fully restored. However, my account wasnt fully restored and I was told that they would be holding my funds for 180 days just in case of possible chargebacks and etc. When in fact, that is against their Sellers Protection Policy What are the requirements for Seller Protection? 
Initial Requirements Ship to the address on the Transaction Details page. If the item was sold through your site, make sure youre shipping the item to a confirmed address. 
The item sold must be a physical, tangible item that can be shipped. This means intangible items such as digital goods and services arent covered. 
If we request documentation or other relevant information, we ask that you respond promptly ( typically within ten business days ). 
Your permanent address ( listed in your PayPal account ) must be in the United States. 
Additional Requirements For Item Not Received cases : The payment must be marked eligible or partially eligible on the Transaction Details page. 
You must provide online tracking to be eligible for protection. 
For Unauthorized Payment cases : The payment must be marked eligible on the Transaction Details page. 
You must provide Proof of Delivery or Proof of Shipment as described below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have called Capital One Credit on several occasions to try to have my interest rate lowered because my payment is almost total interest. I have asked for any relief programs that they may have to no avail. I am a senior citizen on a fixed income, and my account with Capital One is currently closed, which I requested to try to get this account under control or to pay off. I have had no success with a interest rate reduction. Please advise. I need assistance to pay this account off. 

I have a ongoing medical issue and need assistance to try to pay this account in full, so I do not encounter any negative reporting on my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I refinanced with Carrington mortgage who was responsible for sending a check to my hazard insurance company to cover premium. Carrington mortgage never sent the insurance company a check for premium. Insurance company terminated my hazard insurance. Carrington sent me a letter stating that my hazard insurance expired. I regret refinancing with Carrington mortgage. Money from my closing to cover hazard insurance is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My chase card account was used fraudulently and it was deleted of my credit report and now its showing charged off witch still affects me. My chase card balance Should not have been sent to collections and charged off when there was fraudulent transactions and activity done with out my permission or my knowledge and I want the chase card bank to clear me from the debt. I should not be held responsible to pay off a account that I did not use. Most transactions were canceled but I never received the return payment after cancellation was processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently changed to XXXX XXXX. Equifax shows two hard inquiries on the same day to XXXX. Obviously there was only one, but they can't seem to figure that out, I have complained but they have a bizarre security system and won't let me see the result. I have seen no change in my hard inquiry count.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have 6 hard inquiries with XXXX  and 4 hard inquiries with XXXX  I want deleted because I have no knowledge of my personal information being use to obtain to be use to collect anything on my behalf. I have made many disputes to solve this matter that continues to stay on my credit report an affect my ability to use my own credit. I have lost my personal credit card Sociel security card New York State identification card along with other personal papers work

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: NJ

Complaint narrative:
As a consumer on multiple instances I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have simply requested original hard copy documentation, fully and totally verifying that all negative items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the negative items to remain on my credit report after several letters damaging my credit worthiness. The items therefore should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian, XXXX as well as XXXX are all in violation of the FCRA ...

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 2018-08-01 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:
ftc and cfb violation inaccurate information showing on credit report filed police 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 2018-08-01 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:
ftc and cfb violation inaccurate information showing on credit report filed police 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 2018-08-01 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:
ftc and cfb violation inaccurate information showing on credit report filed police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Once again, as XX/XX/2018, Equifax sends me a confirmation number saying that I can view my report as well as the results of an investigation they completed, ONCE again, it tells me that My information doesn't match their records. 

Once again, this needs to be fixed or I will take them to court just so I can get access to my reports!

Company response to consumer: Closed with explanation