vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-09 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: GA

Complaint narrative:
XXXX XXXX has failed to update my credit reports with Equifax, XXXX and XXXX according to the current status of the account. I have paid XXXX current paid as agreed and my credit reports do not reflect this information. As per the data reporting on all XXXX reports, XXXX is still showing account listed as delinquent status which is not accurate. I have sent an email to XXXX XXXX of the XXXX at XXXX and her response was she forwarded over my request to update my credit files. I have not heard anything back from the company. 

I have received a statement emailed to my XXXX account reflecting no past due balance and that I am paid up to date. However no reporting was done to reflect I am paying as agreed. 

Statement has been attached for your review as supporting documents. 

As of today my credit reports do not reflect account being in a current paid as agreed status. My account with XXXX is current. 

This false inaccurate information has caused credit denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Trying to opt out of sharing with Capital One Auto Finance and ensure sharing of information is limited as per current law. Started attempting to do this with most recent bill from XXXX XXXX ( XXXX ) where annual privacy policy information was included. 
Have been put on extended holds with Capital One ( no  toll-free number is provided to opt out in a VRU/IVR ; you have to call them. There also is n't an option online to opt-out of sharing ), transferred between departments, and hung up on. 

When I managed to get to a person on XXXX at XXXX, I had to verify I was me by providing my full SSN, then the account number for the auto loan, so they could " find me in their system ''. I was put on hold again, then asked that I had to spell my full name for them. 

If they have both my full SSN, and the auto loan account number, they have all other personal and PII information about me ... my full name & address are on my billing statements, which should then be in their computer systems ... they could n't send out a billing statement without them! I asked for a supervisor to handle my request. 

When a " supervisor '' picked up, a woman named XXXX asked me for my credit card number, told me I was in the wrong division, then transferred me to the auto division 's VRU/IVR, where I had to reverify myself again. I got to a representative ( XXXX? ) who made me re-verify myself with more personal information, and then had no idea I was asking about the annual privacy policy notice, and then suddenly told me I was " taken care of ''. 

I have zero confidence that my Privacy sharing preferences are truly updated, and the only way I could find out is if I waited until their system updates next week and then go through a cycle of calls again. 

It seems like Capital One, especially their Auto Finance business, has gone out of its way to make opting out of sharing ( under the GLB Act regs ) as difficult as possible, especially when compared to other credit card/loan grantors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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:
To whom it may concern : I am disputing the XXXX XXXX XXXX on my credit report. 

As of today, Equifax has not removed the XXXX XXXX XXXX from my credit report as cited by the National Consumer Assistance Plan ( NCAP ) rule of XXXX XXXX, 2017, which states, in part, the CRA will remove any Public Record, Judgements, and Liens, that do not have all the required information. 

Therefore, tax liens that do n't have the full Social Security Number ( SSN ) or Date of Birth ( DOB ) are cause for being removed from the Credit Reporting Agencies database. 

My Notice of XXXX XXXX XXXX dated XX/XX/XXXX from XXXX XXXX, Virginia XXXX XXXX displays a partially redacted Social Security Number ( SSN ) and there is no Date of Birth ( DOB ). 

Based on the NCAP rules that became effective XX/XX/XXXX2017, I am disputing the XXXX XXXX XXXX that is reporting on my credit report and request that it be removed accordingly. 

XXXX and XXXX have immediately deleted the aforesaid XXXX XXXX XXXX but Equifax continues to report the Lien. 

Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: LA

Complaint narrative:
GC Services Limited Partnership, XXXX XXXX XXXX, XXXX, TX XXXX, and myself made an agreement to pay a certain amount of money each month on an open credit card account that was in collection. I have made each payment prior to the due date to ensure that they would not start calling incessantly as they did prior to me answering ( as I do not usually answer numbers I do not know ). I made a payment for the month of XX/XX/XXXX on XX/XX/XXXX ( due date XX/XX/XXXX ). I received a letter from GC Services Limited Partnership dated XX/XX/XXXX titled " NOTICE OF MISSED PAYMENT. '' As I know this was untrue as I never miss this payment, I called them on XX/XX/XXXX. The woman who answered the phone stated that she had record that I had made payment prior to the due date on each occurrence. She stated that she was aware these letters went out and this occurred due to an " upgrade to XXXX XXXX XXXX. '' I never received a follow-up letter from them stating that this was done in error, although the representative clearly stated that they were aware this happened. I also pointed out to her, if the system was printing them in error, the humans that placed them in envelopes should have caught this and thrown the letters out. GC Services is attempting to collect additional payments by sending out these letters by alarming individuals who have made payments on time and per their agreements with GC Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: IL

Complaint narrative:
I was researching my credit report as I do every month and noticed an account from XXXX XXXX. It stated that there was a late account from XXXX XXXX. I called XXXX XXXX and they stated this account was opened in my name in 2014. On top of that is was even prior to my XXXX birthday. I already had this dispute removed with XXXX in the past but for some reason this came up again. I supplied them with my state id, drivers license and birth certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
XX/XX/XXXX : Called Navient to work on a different plan to lower my monthly payment, which shot up from {$170.00} to {$430.00} this month. Was told that there was nothing they could do unless my credit report showed stressed. 

XX/XX/XXXX Called Navient for private loan payoff amount to send to XXXX XXXX for refinancing options. Was told I would receive and email within 24 to 48hrs with this information. 

XX/XX/XXXX Never received the email with private loan payoff information, called Navient back with a fax number to send the info to. Was told they could not fax my information and They would resend an email within 24 to 48hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
XXXX XXXX reported an account from XXXX XXXX on my credit reports that were not mine. I contacted XXXX XXXX on this matter and sent them my drivers license, State ID and Birth Certificate. I asked them to provide any proof that this was my debt. This account was also created prior to my XXXX birthday so I do not understand how this was even established. I contacted XXXX XXXX a few months ago when this first popped up on my credit report and it was removed after I sent in all my identification. Now it reapperaed and is hurting my credit. I also did not receive anything in writing that this was even a debt. the only way I found out was when I ran my credit 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 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My sister stole my social security number and applied for 2 different credit cards in my name. ( XX/XX/XXXX 2017 ) She has since gone to jail and treatment for it. I have tried to dispute it on XXXX XXXX, XXXX  and XXXX and it is still showing up as a hard inquiry. I made capitol one aware of this and they cancelled the card. What can be done about getting this off my credit score? This has had a major negative effect on my credit score, life, future. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I learned last year that someone opened an account via XXXX XXXX in my name. XXXX will not provide a address where this card was mailed to nor how it was obtained, because I requested surveillance video to prove it was n't me but was told it was n't within their policy. I have never applied nor received a credit card from this company. Once I became aware of the account after receiving a collections notice, I contacted the company to advise the account was fraudulently obtained. I also notified XXXX to advise I did not open this account, at which time I later was notified that the account had been marked as fraudulent. Yet I am still receiving collection notices demanding payment on this account since it seems to continue to be brought by other collection agencies. Which is damaging on my credit report and I would like to ensure it is removed. According to the most recent notification I received from XXXX XXXX XXXX dated X/XX/17 the Original creditor XXXX XXXX Original account number XXXX with a balance of {$570.00}. After doing some online research I have learned that XXXX is allowing accounts to be opened online without any identification verification, if they have gained access to a persons date of birth, last four of their ss they can open an account. This has to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Due to the Hurricane Harvey, I requested from Toyota Financial Services for a extension which they granted me for the months of XXXX and XXXX. I submitted it back via mail and followed up with them by phone on XXXX XXXX due to the overwhelming backup mailing processes in XXXX. I spoke with a rep named XXXX and she assured me that I wont be facing any issues even if they received the documents later than expected and how I would n't need to resubmit them. After receiving numerous collection calls from Toyota after that day, I just went on and still faxed over the paperwork to Toyota which were submitted successfully. 

Now, when I speak with Toyota today XXXX XXXX, supervisor ) they were refusing to assist me in resolving this. They did n't want to pull up the phone call recordings, research my fax correspondence, locate my mailing correspondence, etc. 

It 's horrible how Toyota can be so rude and disrespectful during a time like this for Hurricane Harvey victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Check Security Associates, LLC
State: TX

Complaint narrative:
Receiving phone calls at work threatening to notify my employer of old payday loan debt. Advised caller I ca n't accept personal calls at work but he persisted.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I was approved for Public Service Loan Forgiveness and my loans were transferred to " FedLoan ''. I am aware that this company has a history of problematic customer service, inaccuracies, and untimely handling of basic essential functions. Of course, there is no alternative servicer under PSLF so I am stuck with them. They have already delayed my first payment back a month ( originally scheduled for XXXX, but moved back to XXXX XXXX. I signed up for Direct Debit payments. I have multiple emails from FedLoan confirming my enrollment and scheduled XXXX payment. Despite this, they failed to take my XXXX payment and now have my account listed as delinquent. Unless they correct this error FedLoan will be directly responsible for stealing XXXX months of - what should have been- qualified payments under PSLF from me. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I have had a home mortgage with Wells Fargo for XXXX years. I rented my home out to some bad renters and my insurance company sent me a check for {$5400.00}. The check was made out to myself and Wells Fargo. After I spoke with Wells Fargo, they said to sign the check and send it to them, they would endorse it and return it to me. XXXX XXXX showed up the next day, picked up the check. I signed it and the check was overnighted to Wells Fargo. I continued to call over and over about the check and my account was charged to a bad account number and it has been a year. The check has NEVER been returned to me. I contacted them about doing a HAMP refinance since I made repairs out of my own pocket. They have since started foreclosing on the house and refuse to return the check.

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 2017-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened my account on XXXX/XXXX/XXXX. I received my first statement via USPS. The company issued an incentive for me to sign up for online statements only. I requested online statements. However, I could not access my statements online. I received notification that my statements were available on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX and XXXX/XXXX/XXXX. However, when attempting to access the statement online, I received a message that the statements were not available and to review information in the Account Transactions section of their website. On XXXX/XXXX/XXXX, the due date of the payment, I made a payment that posted to my account and was listed on their customer portal. On XXXX/XXXX/XXXX they charged me a {$25.00} late fee. 

I, fortunately, usually pay my bills before they are due. However, I know many that do not, and, wait until the last minute. I contacted customer service on XXXX/XXXX/XXXX at XXXX am. They first attempted to state that my payment was set up for XXXX/XXXX/XXXX. Which, I promptly copied the confirmation for my XXXX/XXXX/XXXX payment for settlement on XXXX/XXXX/XXXX to them. Then they said that it was a system error and that it would correct itself when the payment posted to my account. 

My complaint is that this may be a systemic issue to improperly assess and collect late fees. It seems like I receive erratic statement notifications, I constantly have to keep on top of when I spend money to check the site when payment may be due, and payments made and posted on time are not reflected properly by the creditor. 

I did a quick XXXX search and this is not only happening to me. I see several others discussing these same issues, but to a much greater extent.

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 2017-10-09 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: SCA Collections, Inc.
State: NC

Complaint narrative:
I sent a debt validation letter to the company and the only thing that was sent to me was a bill not something actually validating the debt is mine.

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 2017-10-09 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: ERC
State: NY

Complaint narrative:
I sent a debt validation letter to Erc in regards to a debt that appears on my credit report. i have no knowledge of this debt and i do not owe, its been 40 days since they received my letter & I have not received a response in reguards to my validation request. I want this debt deleted from my credit reports as a final resolution due to noncompliance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: CT

Complaint narrative:
I contacted all 3 Credit Bureaus XXXX, Experian and XXXX several times regarding XXXX accounts that were opened with XXXX as a result of Identity Theft. After several disputes and even filing complaints with the CFPB in which they were again provided with copies of the police reports all 3 bureaus removed the accounts responding that the ID Theft was founded and the accounts had been removed. Now 2 weeks ago I recieve notice the bureaus with out cause relisted the previously deleted accounts. The notation was added " The Creditor is unable to reach you in regards to the ID Theft '' the creditor has reached me numerous times and has been provided all of the information. Relisting the following accounts is a violation of FCRA. The following accounts must be removed from my credit reports immediately or I will be forced to retain legal counsel and seek Judicial and financial recourse. 

XXXX XXXX {$0.00} {$250.00} {$5400.00} XXXX REPOSSESSION {$510.00} XXXX XXXX {$4000.00} {$46.00} {$4600.00} XXXX CHARGE-OFF {$1500.00} XXXX XXXX {$3000.00} {$3600.00} {$3600.00} XXXX CHARGE-OFF {$3600.00}

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 2017-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Worldwide Processing Group, LLC
State: TX

Complaint narrative:
how ever they are are searching for XXXX XXXX they call all hours of day. They have been told several times there is no XXXX XXXX with my number. I have had the same number for over 10 years. Calls stopped for a short time but have becoming more frequent. When I did talk to someone ( XXXX ) told them my number is on the DO NOT CALL. This out and out a SCAM. These people should be arrested but the Government seems to do nothing. The Government should go after these people and make an example of them, fine them millions and send that money out to all the people they are harassing. Yet they continue cheating people, stealing and get away with it. So the Government is telling them what they are doing is okay. Apparently what ever the Government is doing to stop this kind of activity is so soft that if they did it with on number they just continue to change numbers and continue. Where is the justice in that? I will again file a complaint with the XXXX XXXX XXXX XXXX but this has to stop either the Government has to do it or someone should. 

STEP 5 ; XXXX XXXX DOES NOT HAVE THIS NUMBER XXXX I HAVE HAD THIS CELL PHONE FOR OVER TEN YEARS. I DO NOT KNOW ANY SUCH PERSON THEY ARE LOOKING FOR. THEY HAVE BEEN TOLD SEVERAL TIME NO SUCH PERSON, PERSON XXXX ( THINKING THEY WOULD STOP ) THEY CONTINUE TO HARASS ME DAY AND NIGHT BREAKING COLLECTION LAWS AS WELL BY TIMES CALLED, THREATS, ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: Turning Point Solutions LLC
State: NJ

Complaint narrative:
I am receiving continuous harassing phone calls from XXXX XXXX from Advance Capital Solutions in regards to an alleged medical bill in XXXX XXXX. I requested an itemized summary of the bill and failed to prove the alleged debt is my debt. The company did not provide me with an itemized bill as requested and threatens to sue on behalf of his client if payment is not made quickly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief