vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FREEDOM FINANCIAL NETWORK
State: NM

Complaint narrative:
This is a debt consolidation loan. It saltarted with them having me make payments directly to them as they settled my accounts I provided them. This started in XXXX of 2017. I made payments of {$360.00} a month to them. After 7 months of making payments to settle the accounts. They offered a loan through their sister company. At first it was supposed to be the same payment plan and term ( 36 months ). When they offered the plan to me. After they went through and had me sign the documents the payments on the final copy I receive went from XXXX a month to XXXX a month. And the term was increased from 36 to 60 months. I figured I had already signed the documents so I could change them. Well back this past XXXX I started getting collection notices from creditors that were supposedly included in my debt consolidation loan that Freedom claimed to had settled. When I emailed about these they provided no response. When I emailed and told them I am not making another payment until they resolve the issue. They ignored me. Now they call asking for me to make a payment. And when I ask about the complaint I filed. They say theyll look into it and have someone call me back later that day or the next day. And that has not happened after numerous phone calls in 3 Months. The other issue that I have is the payments I initially started to make of {$360.00}. Were not reflected in my initial loan showing that I already made those payments towards the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TN

Complaint narrative:
Equifax is reporting incorrectly that I am ( XXXX ) days late on the INSTALLMENT NOTE partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Late Payments for the year of XXXX, XXXX and XXXX are being reported on my account inaccurately. The company has not provided evidence to prove the payments were late. On XX/XX/XXXX in response to complaint XXXX the company submitted a word document of a payment history that doesn't have any of my information on it, this document is not a valid document as I do not know if the payment history submitted is mine. The word document doesn't have any of my information on it including personal information, car information or payment details. The response that was submitted on XX/XX/XXXX isn't valid as XXXX XXXX has not proven any late payments, however they're reporting late payments to all of the credit agencies which is negatively impacting me and my credit score. I would be honest in XXXX and XX/XX/XXXX I was late due to not working so I can take care of my mom who was battling stage 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 2020-05-27 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: GA

Complaint narrative:
Late Payments for the year of XXXX, XXXX and XXXX are being reported on my account inaccurately. The company has not provided evidence to prove the payments were late. On XX/XX/XXXX in response to complaint XXXX the company submitted a word document of a payment history that doesn't have any of my information on it, this document is not a valid document as I do not know if the payment history submitted is mine. The word document doesn't have any of my information on it including personal information, car information or payment details. The response that was submitted on XX/XX/XXXX isn't valid as XXXX XXXX has not proven any late payments, however they're reporting late payments to all of the credit agencies which is negatively impacting me and my credit score. I would be honest in XXXX and XX/XX/XXXX I was late due to not working so I can take care of my mom who was battling stage XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: FL

Complaint narrative:
Equifax refuses to update my credit score to reflect what it was before XXXX falsely reported I was 30 days late. XXXX corrected the information with Equifax, but Equifax refuses to correct my score. They have been provided with the correct information, but refuse to correct my score. This is entirely Equifax 's problem. Equifax needs to correct my score to where it was prior to XXXX issuing the adverse information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: NJ

Complaint narrative:
I was contacted by XXXX XXXX from First Federal Credit Control on multiple occasions, and each time we spoke I told her I was planning on paying a particular Medical bill if I owed it. I have previously been contacted by a debt collector about a medical bill I didn't owe, so I told her I wanted to look into the matter and would pay the bill I in fact owed it. There are three different medical bills from this date of service, and I was under the impression that I had paid them all. 

I have no problem paying, and I told her as much. I've merely been busy with work and what I thought was likely another harassing call from a debt collector about a bill I did not in fact owe was not high on my priority list. 

XXXX called on multiple occasions, including today, on XX/XX/XXXX, when I tried to get more information, and each time we spoke on the phone, she threatened my credit despite me clearly expressing my intent to pay the bill. 

Then, knowing full well I intended to pay the bill if it was owed, she followed through on the threat and reported bill to credit reporting agencies to damage my credit out of spite ( again knowing full well I expressed that I would pay the bill to the doctor directly instead of to her and her predatory credit agency ). 

I spoke to the doctor 's office today and initially they were confused as well, saying I didn't owe the bill, but should call the billing department. I spoke to the billing department, and found out that the bill was in fact outstanding. Consequently, I paid the bill immediately and in full to the doctor 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
I purchased a netspend card on XX/XX/XXXX. I was unable to activate it and after speaking with customer service, was told a refund must be issued, as they would not allow me to use the card. I tried to call back a few days later to update information for the refund check ( we had recently moved ), but was, and still am, unable to speak with customer service because netspend blocks speaking to a representative if the card number or social security number are not recognized in their system. 

I contacted their corporate office, and received a call back with clear instructions on how to request a refund check via email. on XX/XX/XXXX I emailed the required documents with proof of purchase to netspend requesting the refund. I received an automated email, but no response from a real person. To date I have not received my check, or even a status on if/when the check will be sent. I have attempted to call customer service ( blocked ), corporate office ( no response ), and customer service and documents dept ( where the XX/XX/XXXX email was sent ). netspend has either stated I must call customer service ( blocked ), or has not responded at all, or has asked for an account number, but refuses to clarify what that means ( I only have a card, no account ). 

I have exhausted my options, and feel like I'm in a loop with the one form of contact who does respond. I don't think a customer service department should block callers who need help, or that a company should be able to withhold a refund because of a poorly implemented contact system where they consistently fail to respond. 


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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
ON XX/XX/XXXX I submitted in a request to Lexis Nexis to provide specific details of the information that they share/report to the credit bureaus XXXX, XXXX, and XXXX  due to the fact iinaccurate information is being reported. On XX/XX/XXXX I received a letter from Lexis Nexis and they have failed to comply with my request and continue to report this information as well as maintain the information in their data for my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Had my Chase Sapphire Preferred card information stolen back in XX/XX/XXXX, I was in XXXX when the card was stolen, once back in the US I hadn't noticed until i got a call from XXXX while out on a company dinner that it had charges on it and were saying they looked fraudulent. I called chase the next morning and flagged all the transactions as fraud they were removed during the " investigation period '' but in XX/XX/XXXX their were two charges charged back to the account from that time. One transaction for {$740.00} from XXXX on XX/XX/XXXX & another transaction for {$110.00} from XXXX  * XXXX + XXXX  on XX/XX/XXXX. I had called the support number on the back of my card about this and due to Covid-19 the tech support agency said that their fraud department to handle these resolutions is not currently taking calls so i had to email : XXXX. I email them about this and a few days later get a call about these transactions. The agent on the other end of the line ( Her name is " XXXX '' ) says that the transactions are valid and procedures to tell me that the vendors have replied to their request about the fraudulent transaction & say that they shipped products to my home address on my card. This is where i decided to escalate this because I have not received any products from either of these companies to my address, If they have shipped something to my address I would like to see shipping confirmation because i find it hard to believe that someone would ship a {$750.00} product to my address without needing signature. XXXX then advised me to email the proof that I have not received any of these products or that I was not in the US when my card was stolen & that I should email my proof to : XXXX to me this email seems like something that isnt a valid chase email and I would like to talk with someone higher above than a call center about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: NC

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-150 )  days late on the XXXX XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX  and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on partial account numbers XXXX and XXXX. Experian is reporting incorrectly that I am ( 150 ) days late on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: College Loan Corporation
State: FL

Complaint narrative:
In XX/XX/2019 I received a letter from XXXX XXXX regarding an alleged debt for a private student loan. I was unaware of any private student loan in collection or not paid since all of my student loans were transferred from College Loan Corp to XXXX. I checked my credit report and XXXX XXXX is reporting this alleged debt as a collection. I contacted XXXX  XXXX and requested documents verifying this alleged debt. XXXX XXXX sent me copy of the promissory note dated XXXX. I called XXXX XXXX and explained that it has been 13 years since the date of those documents and they have exceeded the legally allowed time to report this alleged debt to the credit bureau. They said that the debt became due sometime after that date. I have requested documentation proving that this debt became due or was paid at any point to support their reason for continuing to report it to the credit bureaus and they have failed to provide documents. It has now been 8 months since I have been requesting proof and they have not been able to provide any proof and yet they continue to report the debt to the credit bureaus despite this alleged debt being 13 years old. At this point I am looking into hiring an attorney to handle this matter as the XXXX XXXX inaccurate credit reporting is now causing me monetary damages.

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-27 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: NC

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-150 )  days late on the XXXX XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX  and Transunion are reporting incorrectly that I am ( 120-150 ) days late on partial account numbers XXXX and XXXX. XXXX  is reporting incorrectly that I am ( 150 ) days late on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-05-27 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: NC

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on the XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. Experian and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on partial account numbers XXXX and XXXX. Experian is reporting incorrectly that I am ( 150 ) days late on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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