vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-04 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX with no resolution because each organization states it is not their responsibility to report my payment for their own specific reasons stated below : XXXX states that the amount was charged off and the account was closed/sold to XXXX so they no longer report any updates. 
XXXX states that although I paid them for this debt, they can not report the payment under XXXX as they are a separate company. 
XXXX states that their function is only to gather information from the original creditor ( XXXX ) and they have to go by what they say, which is no updates available. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX, the collection agency I paid in full is XXXX XXXX. I have the letter showing that I satisfied this debt and it is attached to this complaint.

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 2018-12-04 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:
There was nothing to explain further. I have been sending letters to XXXX and Experian for months now and I have repeated myself over and over again. Bankruptcy ChapterXXXX-petition filed XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04 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:
There was nothing to explain further. I have been sending letters to Transunion for months now and I have repeated myself over and over again. Bankruptcy ChapterXXXX-petition filed XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS

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 2018-12-04 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: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX  with no resolution because each organization states it is not their responsibility to report my payment. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX XXXX, the collection agency I paid in full is Keith D Weiner & Associates. I have the letter showing that I satisfied this debt and it is attached to this complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: College Assist
State: CA

Complaint narrative:
i have been trying to get my student loan out of default, i was promised that the default paperwork would be completed by the end of XX/XX/2018. I tried for three weeks to get someone to send me the paperwork stating my account is no longer in default, i have been to NSLDS to check the status of my defaulted student loans and the status is still the same. Every time i contact XXXX XXXX its the same, you wait on the line for 10-15 minutes with no response, or someone answers and then places you on a call to tell you that they will need to call back, or they promise to call back with an update. 

All i want is to have the student loan status moved out of default because i completed making payments for the 9 months required. I have been paying out of pocket for school and want to place my loans in deferment. 

XXXX XXXX keeps trying going back and forth and making excuses, telling me that i need to sign another rehabilitation agreement, they've told me that i never signed one and once i send them what i have they tell me that one is the correct one. 

I'm not sure why something so simple has turned into a nightmare with no able to help or resolve issues.

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 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. 

XXXX XXXX/XXXX account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XXXX. The detriment to my credit report for this illegal act was a total loss of 71. 

See exhibits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04 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: ND

Complaint narrative:
I received a notice of investigation results from TransUnion on XX/XX/2018 stating that the erroneous reporting account numbered XXXX from XXXX XXXX XXXX has been verified as accurate. I have been fighting this problem with erroneous reporting with TransUnion since XX/XX/2018. In the enclosed docs, you will find a report from the TransUnion website indicating an investigation had been completed on XX/XX/2018 on account numbered XXXX, and more specifically, the account being reported as having 10 missed payments. This account was opened on XX/XX/2018 and closed on XX/XX/2018 and the Highest Balance reported was {$35000.00}. As you can see under the title Dispute Reasons, TransUnion states that the payment history/rating is incorrect and the creditor agreed to delete this account. Now on XX/XX/2018, the account is still erroneously reporting on my credit report. You will also find in the enclosed docs that XXXX has deleted this account from my credit report because they couldn't accurately verify this account. I demand that TransUnion and XXXX also delete this erroneously reported account from my credit report due to defamation of character and negligent enablement of inaccurate reporting.

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 2018-12-04 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: OH

Complaint narrative:
I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and Experian with no resolution because each organization states it is not their responsibility to report my payment. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX XXXX, the collection agency I paid in full is XXXX XXXX XXXX XXXX XXXX. I have the letter showing that I satisfied this debt and it is attached to this complaint.

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 2018-12-04 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: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX  with no resolution because each organization states it is not their responsibility to report my payment. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX XXXX, the collection agency I paid in full is XXXX XXXX XXXX XXXX XXXX. I have the letter showing that I satisfied this debt and it is attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: NY

Complaint narrative:
I submitted evidence to Transunion notifying them of an erroneous account by a collection agency called XXXX XXXX regarding an account with XXXX XXXX as the original creditor. I reached out to XXXX XXXX to ask for signatures and all proof validating this erroneous account. XXXX XXXX did not get back to me in 30 days and obviously did not get back to XXXX and XXXX  since they deleted the account. Transunion claims XXXX XXXX verified the account and I asked for Transunion to send me the description of the methods they used to verify this account under the FCRA 611 ( a ) ( 7 ) and they did not respond to me under within the 15 days mandated by law.

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 2018-12-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
My credit card account was recently purchased by Capitol One from XXXX XXXX XXXX. I was not given notice by either company of this transaction therefore ; my auto debit for monthly payments to XXXX ceased and no payments were being made to Capitol one. I did not know these payments were needing to be made because I did not recieve notification from Capitol One or XXXX XXXX XXXX that my account was sold. I had no way of knowing that i needed to make Payments to Capitol One. Furthermore once i was notified late XXXX that I had late payments by XXXX XXXX I immediatly made all past due payments and set up auto draft with Capitol One in order to maintain good status with them. My credit score has now been damaged and impacted with a 30 day + late payment and Capitol One will not remove the 30 day late report to the credit bureau. I am currently in process of buying a house and I need this removed immediatly. I have been in good standings with all creditors for 4 years and not missed or been late to any creditors however this is causing my credit to be blemished. I feel this is in no manner my fault and would like it to be removed from my credit report as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04 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:
there is no sufficient information to support Equifax 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX   XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Please note that Chase Auto Finance has reported me late and delinquent in XX/XX/2018 which is inaccurate and false. I have always maintained my account current and in good standing for the extent of my lease. When my lease expired in XX/XX/2018, I  extended my lease. In doing so, Chase created a chain reaction of misapplying payments and therefore reporting me as late and delinquent when that is not the case. As soon as this was brought to my attention, in XX/XX/2018 I reached out to Chase to try to resolve the issue and I have been attempting to do so with them since but the matter is still unresolved. I am kindly asking that the Late/delinquency reported in XX/XX/2018 be removed as it is inaccurate and negatively impacting my credit rating significantly. Attached is a history of payments which clearly shows the appropriate amount of payments were made in the appropriate amount of payment cycles. If there were any issues, they are due to Chase 's payment application discrepancy and/or billing notice disruption at time of lease extension. For all these reasons, it is unfair for me to bear the brunt of the repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been victim of banking fraud for both Wells Fargo and XXXX XXXX XXXX.

My bank is XXXX XXXX XXXX and other party is Wells Fargo. I made transfer via XXXX on XX/XX/2018 and it was accident to send wrong person and same day, I have contacted my bank to be protected and I also contact the other party who I sent wrong. He is very cooperative with me to return money. As of XX/XX/XXXX, he sent me letter from his bank that they have reversal and claim was closed and return money to my bank. I filed dispute with XXXX XXXX XXXX and the lady from XXXX XXXX XXXX   called me and said Wells Fargo which is his bank, said they refused to return money due to unauthorized and my money is forfeit. I was so mad since I have evidence that they reversal but XXXX XXXX XXXX does not want to return money and I have no where to go than go back to file another dispute and drag Wells Fargo in. Since the other party said he is volunteer to return and cooperative and my bank refused to talk to him and I dont know what else to do to get money bank when Wells Fargo had send back 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 2018-12-04 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: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I am filing this complaint against XXXX  inaccurate reporting of a eviction Case No. XX/XX/2011 XXXX XXXX that was in Fact dismissed this account is older that 7 years. I have suffered the denial of a apartment and fair employment due to the non updated information in the database at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: OK

Complaint narrative:
I've been getting phone calls from Navient on my work phone for someone who hasn't worked here for 10+ years. I've informed them multiple times that he doesn't work here, and to stop calling. I've been getting these calls for my entire time that I've worked here, 8+ years. Some calls, in the past, have come in multiple times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I have been trying to call and pay Ally Financial, they are giving me an hard time. 
They want me to give them an address I no longer know, they want the vin number I no longer have the car. They keep hang up on me telling me there is nothing they can do. 
I'm trying to make settlement or lower payments

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 2018-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
Spoke with Caliber Home Loans to get and update on the mortgage modification request spoke, with XXXX XXXX customer service who advised that a FHA HAMP modification has been approved for XXXX trial payments. XXXX, XXXX, and XXXX in the amount of {$1000.00}. I asked XXXX for the break down of the payments XXXX advised interest rate 5.25 % principle & interest {$700.00} Escrows ( tax, insurance, PMI {$380.00}. XXXX stated the mortgage payments were only behind {$4900.00} the escrow is XXXX, PMI is {$1200.00} for XXXX, XXXX, XXXX and XXXX XXXX stated a partial claim was filed for the delinquent mortgage payments Caliber notes in their system states PMI claim in amount of {$51000.00}. Why is a claim being filed in the amount of {$5100.00} against the PMI insurance when we are only delinquent in the amount of {$4900.00}. They have increased our PMI insurance in the modified mortgage payment. Please Help!!!!

Company response to consumer: Closed with explanation