vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 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: AES/PHEAA
State: VA

Complaint narrative:
I have two accounts with FedLoan Servicing that were opened when I started classes online. I was told by the school that FedLoan would contact me when I needed to begin making payments towards my student loans. I was never contacted by FedLoan when my payments began, therefore they were late. I noticed after checking my credit score in XXXX of XXXX that it showed I was 90-120 days late on my payments for both accounts for FedLoan Servicing. I contacted the company and told them that I was never notified of when the payments began. They asked me to confirm my information they had on file, and when I did they realized they mistyped my email address to which all the information was going to. They had set my payment notices to be sent to my email instead of my mailing address automatically. So in conclusion, I was not notified the payments had to be made because FedLoan made a mistake with my email. The person I spoke with on the phone admitted to this mistake and sent me a credit dispute form and set up my payments to begin again on XX/XX/XXXX of XXXX. After completing the dispute form, the company corrected the months of XXXX, XXXX, and XXXX, but refuse to this day to correct the month of XXXX, the month in which this whole problem was found and reported. I was told I didn't have to start paying until XXXX so I didn't see a need to pay for XXXX, as I was told all the payments that I missed would be added back to my balance. I was in the middle of building my credit score, to buy a house for my family, that started at XXXX and at the time was XXXX, when this hit my credit and knocked it down XXXX points. I explained to them the urgency in which I needed it to be fixed and why, and even after admitting they were at fault for having my information wrong, they still won't fix it and this one problem is still keeping me from buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Certified debt validation letter mailed to Khols Department Store on XX/XX/2020 for a debt in the amount of {$520.00} I have not received a response to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Sequium Asset Solutions, LLC
State: IA

Complaint narrative:
A gentleman from sequium assets continues to call me and harass me about a debt that I believe is not mine. I've asked for proof of debt and he said they mailed it but I never received it. I've asked multiple times for them to quit calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Item was purchased. Requested seller to cancel, they did not. Package was refused and delivered back to merchant. Opened a dispute. Merchant provided half of the tracking, saying that the item was delivered, but not the other half where it was returned to the merchant. No one from CitiBank actually bothered to look at the tracking number from XXXX website the entire despite, and appeal, even though I suggested to multiple times. After calling Citi to appeal, they said send a letter via FAX and/or e-mail, which I did both. Never heard a response, and they said they never received it. Proof and all documentation on my end were included. 

XX/XX/2020 XXXX XXXX XXXX Tried resolving with the merchant but they do not respond.

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 2020-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have sent police report to Capital one credit card and informed them that the credit issued under my name and soocial name XXXX XXXX is fraud. This happened after identity social security theft and i filed fca report. They deleted from XXXX credit burue. 
But they keep sendining information to XXXX  to label it as charged off account. I have evidence letter that this was resoved as frayd see attachment so I would like XXXX  to delete it I am XXXX  XXXX person and they ruined my credit, I made more than 5 attempts they delete and bring it back Please I want permenant delete My last social XXXX name XXXX XXXX XXXX Dob XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I have written the debt collector several times. This is the most recent letter sent regarding this debt. 

Fair Collections & Outsourcing, Inc XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX RE:XXXX Dear Sir or Madam, According to Landlord-Tenant Law Residential Leases Statute of Limitations. In the 5-2 decision Maryland Courts of Appeals : The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. 

Based on the date which the account was placed for collection XX/XX/2016 the account XXXX XXXX XXXX I according to Maryland Code is to be deleted from all three credit reporting agencies ( XXXX, XXXX, & XXXX ) according to the statute of limitations. 

Please communicate regarding this account to the address mentioned below. 

XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2020-08-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
Vin # XXXX Account # XXXX XXXX XXXX I leased and turned the car in the same year. The date I turned the car in was XX/XX/12. I called and said the balance would stay on my credit report as long as the balance wasn't paid. The account is over 7 years old. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services
State: CA

Complaint narrative:
SEQUOIA FINANCIAL SERVICES located in XXXX XXXX, CA XXXX is claiming and reporting that I owe the following {$620.00}, {$1300.00}, {$530.00}, {$300.00}, {$190.00}, {$140.00}, {$100.00}, {$99.00}, {$89.00}, {$88.00} I have disputed all of their claims directly to the credit bureau and they kept reporting it back to my credit information. 
I have filed an ACCOUNT BREACHED last XX/XX/2019 and my account was compromised. I have protected my credit report and this company kept harrassing my file and continue to report the same amount even I have completely denied existence of this account they fraudulently claim. 

I have no knowledge of this debt they are claiming, I would like them to stop reporting all these claims to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: IL

Complaint narrative:
On XX/XX/XXXX of this year I sent letters to Experian, XXXX  and XXXX  to look into an error on my credit report that shows I was 90 days late in XX/XX/XXXX. The reports does not say I was ( 60 days ) late in XX/XX/XXXX nor does it say ( 30 days ) late in XX/XX/XXXX. It is just marked as 90 days late in XX/XX/XXXX. I asked them to delete this error and was sent back a response they as " updated ''. nothing was changed or updated, that was just something they used to close dispute I supposed. 
I think it is very unfair to have them report want ever they chose and then state it was closed. Also, during this process of other accounts disputed there was an account deleted in XX/XX/XXXX then added back a month later without giving me proper notification on why this account was added. This goes against my rights.

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 2020-08-27 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:
Transunion should not be reporting that I am an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item 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 2020-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My Original mortgage was with Seterus and was changed to Mr. Cooper. I have filed bankruptcy previously and because of the bankruptcy protection law I was not receiving my mortgage statement so I never knew about any late fee. Now Mr. Cooper doesn't want to remove the total late fee & Charges of {$3500.00}. I should not been charged that fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$1800.00} XXXX XXXX XXXX {$23000.00}

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 2020-08-27 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$1800.00} XXXX XXXX XXXX {$23000.00}

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 2020-08-27 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX  XXXX {$930.00} DPT EDXXXX XXXX {$5400.00} DPT EDXXXX XXXX {$3600.00} DPT EDXXXX XXXX {$5600.00} DPT EDXXXX XXXX {$4500.00} DPT/XXXX XXXX {$3700.00} DPT ED/XXXX XXXX {$4800.00} XXXX  XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX {$8700.00} XXXX XXXX {$15000.00} XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$220.00} XXXX   XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX {$340.00} XXXX  XXXX {$12000.00} DPT EDXXXX XXXX {$3400.00} DPT EDXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$2400.00} DPT ED/XXXX XXXX {$7100.00} XXXX  XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: T.S. Holdings
State: MO

Complaint narrative:
XX/XX/XXXX at XXXX XXXX Spoke with a rep at IQ Data International and informed rep they have the wrong number. Rep said someone answered and confirmed a call on XX/XX/XXXX I told them that's not true no one has access to my phone and there's no records of a call. The rep then implied I was lying and refused to acknowledge my request to have them stop calling. 

Any time I would ask the rep if they could remove my number the rep said " No '' and  would continue to ask about the original debt owners. The rep thing hung up without removing my number from their call list. 

I received another call from IQ Data International on XX/XX/XXXX at XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: MI

Complaint narrative:
XXXX XXXX opened XX/XX/16, {$610.00} XXXX XXXX XXXX, {$3700.00} XXXX XXXX XXXX {$9800.00} These collection accounts do not belong 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 2020-08-27 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: Penn Credit Corporation
State: MI

Complaint narrative:
Collection from Penn Credit Corp, I do not recall doing any business with the following collection agency. Please verify debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: U.S. BANCORP
State: CA

Complaint narrative:
I had a credit card account Elan Financial Services from about XXXX to XXXX. 
The account was set up to be covered by an autopay from my XXXX XXXX Account. I closed the account in XX/XX/XXXX. At the time the balance on the account was either XXXX  or at most a few XXXX dollars. 
That was the last I heard from this account until it showed up on my credit report as a charged off account this year. Investigating more, is appears that the autopay was still active in XXXX and that the balance had never been paid off. It also appears that for some reason the autopay was interrupted at some point between XXXX and XXXX. 

Over the past two months I have repeatedly asked Elan financial services for the complete records for this account, and they have yet to send me anything except the last 18 months of statements, going back to XX/XX/XXXX. These statements do now explain why the account was not paid off between XXXX and XXXX, despite there being and autopay set up, which was supposed to pay off the balance in full. 

Finally, in XX/XX/XXXX, I paid off the balance of this account, hoping to make it go away, however it is still showing up on my credit report. 

I still have not received any explanation or documentation of what happened to this account between XXXX and XXXX. 

On XX/XX/XXXX tried to contact Elan Financial services to request that they delete this account from the credit reports. The person that I spoke with told me that the were unable to do this, and that they couldn't transfer me to someone who could. They suggested I file disputes with the credit reporting agencies, which I have already done.

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 2020-08-27 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:
For the following accounts, I have disputed online, by fax, and through mail and the errors still have no been fixed by all credit bureaus. Some things that one or two credit bureaus deletes, one or two will  NOT delete and I don't understand HOW, as it is the EXACT same information. I have been disputing for years, but very heavily began disputing more starting inXX/XX/2020. 

1. XXXX XXXX : The payment history is incorrect for both accounts negatively showing. I have disputed by mail many times. I have attached TWO pictures of MyFICO which I pay {$39.00} for monthly to monitor my credit. For some reason, XXXX continues to have my payment history reflect inaccurately. I have NEVER been late. Transunion shows the correct info in that I paid as agreed, yet XXXX  shows that I am at least 120 days past due for one account and 30 days past due for another XXXX account. Please correct this and update my payment history as CURRENT, NEVER MISSED A PAYMENT, {$0.00} balance. Thank you. 

2. XXXX : This account was purchased by another lender XXXX XXXX, also known as XXXX XXXX XXXX XXXX and was paid in full and requested to be deleted from my credit report THREE times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They deleted the XXXX  tradeline, but not the XXXX/XXXX  tradeline which is reporting negatively on my credit when I have no negative history with them. They can not validate any information either. This is reporting on ALL 3 of my credit reports with XXXX, XXXX, and Transununion. PLEASE DELETE THIS TRADELINE, as it is unethical to reflect on my credit report. 

3. XXXX XXXX ( Balance {$5400.00}, last updated XX/XX/XXXX ) : there was fraud committed in my name and by using my SSN. XXXX  and XXXX  have DELETED the account from my credit report as of XX/XX/XXXX, but Transunion has NOT followed suit and deleted this inaccurate information. There have been no debt validations sent to me showing my signature or anything. I have fraud alerts with every credit bureau, as I have dealt with identity theft since before I was XXXX years old. PLEASE DELETE THIS TRADELINE TRANSUNION, as it is UNETHICAL to reflect on my credit report. 

4. XXXX XXXX XXXX XXXX : This account is in good standing showing paid as agreed by Transunion and XXXX, but XXXX  still reflects a charged off amount of {$3700.00} that I do not owe. It has been paid in full and should reflect that. Please update account to PAID IN FULL and PAYS AS AGREED and close and take out of charge off status. Thank you.

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