vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-24 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: CA

Complaint narrative:
Dear Equifax, You might want to actually read this. I just found out about the data breach that took place after recently checking my Credit Report. Instead of filing the attached lawsuit against you I am giving you one shot to correct this. 

The breach resulted in permanent release of my permanent data, including my social security number. I have marked in the attached copy of my Credit Report items that DO NOT BELONG TO ME and I want them removed as they make no regard for accuracy per the Fair Credit Reporting Act. 

I have contacted each of the creditors listed and they are less than helpful, which is why I am now coming to you because you are now responsible. Also you have a fake name for me listed XXXX XXXX this also should not be on my Credit Report, clearly you do not have accurate information yet you continue to cause me harm. 

Please consider this my notice that if you do not remove these items I will file the attached lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: WI

Complaint narrative:
I have made several attempts to collection valid information from Americollect Debt Company but the refuse to send me valid verification information and the last letter I sent in XX/XX/2019 I did not receive any response from the company. The unverified debt is listed on my credit reports and I would life it deleted as soon as possible or I will take further legal action. The company also changed the account numbers to XXXX from several other account numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I purchased makeup products online, advertised new and unused ( I have copy of original listing ). Once received, the products were fake and used, after doing some research online, this is a common scam. So I contacted the seller and requested to return the items and get a refund. They refused. Since I had paid via Paypal, I issued a dispute.

Here 's the confusing part, Paypal instructed me to return the items and provide the tracking information and they would issue a refund. So I did. After already paying {$130.00} for the products, I spent another {$15.00} in shipping charges. I would not have returned the items if Paypal had not told me to because the seller already stated they would not issue a refund. But since Paypal told me to, I assumed they would issue the refund due to buyer protection.

But after I shipped the items and provided tracking information as instructed, they commented on the dispute denying the refund??????

So due to THEIR instructions, now I am without product OR payment???

Please help with this situation. If they weren't going to issue a refund, they why did they request I make the return and state that they would??

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 monetary relief
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery associates LLC, has been harassing me for over 5 years. They call my phone at least several times a day. They also harass my relatives. They improperly served me at an address I wasn't living at and got a judgment against me that I wasn't able to answer because I never received proper notice. They also keep " re-aging '' my accounts with inaccurate information to look as if the alleged debts happened recently and haven't given me any proof they own these alleged debts. I have had medical issues over the last few years and they have done nothing but harass me and my family for over 5 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24 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: GA

Complaint narrative:
These accounts are fraudulent : XXXX XXXX {$1300.00} XXXX {$9700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX  {$1100.00}

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 2019-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I find out that my information has been used fraudulent by a phone call the last call I received was on XX/XX/XXXX, I check my credit I had the issue before in XXXX, I dispute the fraudulent account, I did not received any money to go to school in XXXX, or XXXX, The Company Nanvient, ask me to send some papers with my identification, I been sending the same information, for 9 years now, They and XXXX refuse to remove it from my credit report, and is affecting me know, I have to move to another place the Landlord got so sick and has to sell the property, due to the negative of the student loan my score is low, I submit a request to XXXX with a police report, they refuse to delete it from my credit report, I submit the same request to XXXX and XXXX XXXX, they work well with me and help me to resolve the Issue, I been calling and sending proofs to XXXX  and Nanvient, but they refuse to remove those accounts from my credit. 
I request please for them to remove those student loans that I did not apply for or get any money from any one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MN

Complaint narrative:
On XX/XX/2019 I submitted an unemployment deferment form and I spoke with a customer service rep regarding the required documentation. I downloaded the document he explained to me and uploaded it into Nelnets system.I checked on the status today and instead having a communication that I could read on this is an alert on my account : We have finished reviewing the documentation for your repayment plan, deferment, or forbearance request, and were sending additional information your way. Keep an eye out for an email or letter from us. My account info is : XXXX XXXX, Acct # XXXX, SSN XXXX, addy : XXXX XXXX XXXX XXXX, XXXX  XXXX MN XXXX.The reason I am filing a complaint is there is no reason why I shouldn't be able to access the additional information on my account online inisteads of having to wait for snail mail or an email that should have been sent yesterday and was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I am a XXXX XXXX of XXXX XXXX XXXX XXXX, my LLC name is XXXX XXXX, XXXX. I had taken a loan with XXXX XXXX XXXX In XX/XX/XXXX for {$670000.00} in order to buy out my business partner. I loss my business XX/XX/XXXX because of the CampFire. My insurance does not cover the loss of my mobile home park and the bank still wants their money, although they did deferred payments. For the past 4 months they are still charging me and adding on to the loan over {$2800.00} each month for interest. I have no income and my only source of money is my Social Security which doesnt pay very much. I NEED HELP! This is been a national disaster here in California and now the bank has continued to charge me almost {$12000.00} extra added to my account which I think is very unfair. Ive talk to XXXX XXXX vice President of Bank of the West and he refuses to help me in this matter. I want to pay off the loan due, but due to the debris and contamination of the property, I can not sell it or find a buyer until its been cleaned up which could take a few more months. Most of the town of XXXX has been destroyed from the worse fire in California. Please help me. 
Thank you, 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 2019-03-24 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: GA

Complaint narrative:
These accounts are fraudulent : XXXX XXXX {$1300.00} XXXX {$9700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX   {$1100.00}

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 2019-03-24 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: GA

Complaint narrative:
These accounts are fraudulent : XXXX XXXX {$1300.00} XXXX {$9700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I find out that my information has been used fraudulent by a phone call the last call I received was on XX/XX/XXXX, I check my credit I had the issue before in XXXX, I dispute the fraudulent account, I did not received any money to go to school in XXXX, or XXXX, The Company XXXX, ask me to send some papers with my identification, I been sending the same information, for 9 years now, They and Experian refuse to remove it from my credit report, and is affecting me know, I have to move to another place the Landlord got so sick and has to sell the property, due to the negative of the student loan my score is low, I submit a request to experian with a police report, they refuse to delete it from my credit report, I submit the same request to XXXX  and XXXX XXXX, they work well with me and help me to resolve the Issue, I been calling and sending proofs to Experian and XXXX, but they refuse to remove those accounts from my credit. 
I request please for them to remove those student loans that I did not apply for or get any money from any one.

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 2019-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon checking my credit report with Equifax, I noticed it contained inaccurate personal information ; wrong addresses and employer information. I mailed a letter to Equifax listing my correct information along with proof ( ID, Social Security card, utility bill ) and asked them to correct my personal information. On XX/XX/2019 I received a letter from Equifax dated XX/XX/2019 stating that The disputed address has been deleted. The confirmation number Equifax provided on the letter stating that they have deleted the incorrect addresses is XXXX. However, as of today, XX/XX/2019 the wrong addresses continue to be reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I filed a complaint with the CFPB against Midland Funding. In retaliation, Midland Funding called my employer requesting verification of my employment by my social security number. I filed a second complaint and I was contacted by XXXX XXXX XXXX who advised that the debt that they attempted to collect was not legal as they had this debt in their office since XXXX and did not make any attempt to collect then, and the agent who advised of the debt had misinformed me. I was assured that no effort to collect this debt would be made as the statute of limitation had passed. I have since received notification that a collection of {$310.00} by Midland Funding has been reported on my XXXX Credit file by Midland Funding. Upon checking the account and the date opened on my credit profile it is apparent that this debt was settled and Midland Funding is attempting to collect this debt once more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: CA

Complaint narrative:
Equifax, XXXX  and XXXX  are all reporting inaccurate information regarding a dismissed bankruptcy. I had send certified letters with only reply from XXXX  letting me know that the information is accurate ; I send a letter regarding how it was verified and no paperwork has been sent. Instead a copy of my credit report was mailed to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I filed a complaint with the CFPB against XXXX XXXX. In retaliation, XXXX XXXX called my employer requesting verification of my employment by my social security number. I filed a second complaint and I was contacted by Ms. XXXX XXXX who advised that the debt that they attempted to collect was not legal as they had this debt in their office since XXXX and did not make any attempt to collect then, and the agent who advised of the debt had misinformed me. I was assured that no effort to collect this debt would be made as the statute of limitation had passed. I have since received notification that a collection of {$310.00} by XXXX XXXX has been reported on my XXXX   Credit file by XXXX XXXX. Upon checking the account and the date opened on my credit profile it is apparent that this debt was settled and XXXX XXXX is attempting to collect this debt once more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, XXXX and tranunion are all reporting inaccurate information regarding a dismissed bankruptcy. I had send certified letters with only reply from XXXX  letting me know that the information is accurate ; I send a letter regarding how it was verified and no paperwork has been sent. Instead a copy of my credit report was mailed to me.

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 2019-03-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, expedian and XXXX are all reporting inaccurate information regarding a dismissed bankruptcy. I had send certified letters with only reply from expedian letting me know that the information is accurate ; I send a letter regarding how it was verified and no paperwork has been sent. Instead a copy of my credit report was mailed to me.

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 2019-03-24 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: MA

Complaint narrative:
I asked Experian to change the status or ad a statement saying that XXXX account was paid or is closed, not unknown. 

They have not fixed., They are very irresponsible toward citizens creditworthiness. The government should put more attention to the work ethic, treatment, and professionalism of this bureau.

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 2019-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP
State: OR

Complaint narrative:
On XX/XX/XXXX I opened a KeyBank checking account ( KeyExpress CheckingAccount Routing Number : ending in XXXX ; Account number : Ending in XXXX ) using promotional coupon code " XXXX ''. I funded that checking account with an initial deposit of {$50.00} ( XXXX dollars ). 
On XX/XX/XXXX I contacted KeyBank by phone and requested to close that checking account. The KeyBank representative stated that she was unable to close the account due to a " pending transaction ''. I found that an unusual reason not to close the account, but I agreed to call back at a later date, once the pending transaction had cleared. 
On XX/XX/XXXX : I contacted KeyBank by phone and once again requested to close the checking account. I was transferred to a representative named " XXXX '' who posed several barriers to me closing the account. She used several tactics and tried to coerce me not to close the account. After several minutes on the phone, I insisted that I wished the checking account to be closed immediately. " XXXX '' then said that I would be charged a fee for closing the account. I disputed that claim since the terms and conditions that I signed upon opening the account didn't contain that information. It seems that charging customers a fee for closing a checking account that has been in good standing, without any derogatory marks or transactions, would be an illegal act. At the time I asked to close the account, the available account balance was {$50.00} ( fXXXX dollars ). 
Several days later, I received a check from KeyBank for the remaining funds in that checking account : {$25.00}. Therefore, KeyBank kept 50 % of my initial deposit as an arbitrary fee ( and as a way to punish the consumer ) for closing the account.

Please assist me in recovering the {$25.00} I'm still owed by KeyBank. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-24 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:
I spoke with than bank in regards to a late payment reflecting on my credit report. I have had this account for years always paid on time and this particular month I was not able to make payment online do to technical error. unfortunate the payment was reported late after speaking to a representative i was told this would be updated as on time payment with the credit bureau and that never occurred. i tried disputing the late payment with the credit reporting agencies and it kept coming back as verified however i do not believe anything was ever done. i requested to see proof and nothing is ever provided. i am requesting that my report get updated asap to reflect on late payments as the creditor agreed to over the phone back in XX/XX/2018.

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 2019-03-24 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: PA

Complaint narrative:
I spoke with than bank in regards to a late payment reflecting on my credit report. I have had this account for years always paid on time and this particular month I was not able to make payment online do to technical error. unfortunate the payment was reported late after speaking to a representative i was told this would be updated as on time payment with the credit bureau and that never occurred. i tried disputing the late payment with the credit reporting agencies and it kept coming back as verified however i do not believe anything was ever done. i requested to see proof and nothing is ever provided. i am requesting that my report get updated asap to reflect on late payments as the creditor agreed to over the phone back in XX/XX/2018.

Company response to consumer: Closed with explanation