vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-28 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: FC HoldCo LLC
State: CA

Complaint narrative:
I have a loan with XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX  XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I took a trip to XXXX and booked an apartment through XXXX.. I paid {$560.00} dollars to stay in a poorly appointed, misrepresented property. I filed a complained to XXXX about the situation without any resolution. The XXXX had non working toilets that flooded, bugs, ran out of water - it was bad .... 

Next : I filed a complaint with PayPal : Dispute Case ID : XXXX. 
And they denied my claim ... I am not sure what else to do, I feel like I was cheated and my families trip was ruined. 

I should have taken pictures of the property, but it didnt cross my mind. All I have is a copy of the text msg between the property owner and I ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX has sent constant voicemails filled with harassment including reaching out to my family members multiple times. The latest voicemail I received a couple of months ago, XXXX XXXX   told me things would get really bad for me if I didnt call them back that day. This has to be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: DE

Complaint narrative:
This collection agency is claiming I owe {$560.00} for an account with XXXX XXXX XXXX fro an account in NJ yet I've lived in Delaware for the past 18 years. I asked for copies of the application or a copy of the any records or recordings they have regarding phone calls, etc. and they've refused to provide them. I sent a letter disputing the debt along with a copy of a police report from a few years ago where someone filed tax returns and open accounts in my name yet they continually claim they don't receive them. The woman XXXX  is a NASTY NASTY woman and refuses to remove this from my credit report. They have NEVER sent any letters to me nor EVER provided any documentation from the alleged creditor. They are asking me to do their job and verify I don't owe it yet the burden of proof is on them to prove it IS owed ... which it isn't! They refused to provide any DOS 's ( dates of service ), and are asking that I go file a police report and take time out of my busy schedule to fix their mistakes. XXXX XXXX of National Recovery owes me {>= $1,000,000} for an unpaid services and he has never disputed the DOS despite me sending him letters. Now I would like XXXX  to go file a police report that he doesn't owe me the money. Until then, I will start reporting the debt to the credit bureaus as I have found his social security information online.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
On XX/XX/ 2018 I sent RASH & CURTIS a cease and desist letter.

RASH & CURTIS is still reporting COLLECTION ACTIVITY on this account and have not responded at all to my letters. Please see credit reports listing collection activity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX   only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN REFUSES TO UPDATE AND ACCEPT MY NAME CHANGE WHICH WAS LGALLY DONE SINCE XX/XX/2014! EVERY TIME AND I APPLY FOR BUSINESS CREDIT, ANY CREDITOR THAT USES THEM ALWAYS DENIES MY CREDIT AND ADDRESSES TO THE WRONG NAME THAT NO LONGER APPLIES TO THE SOCIAL SECURITY CARD! XXXX IS THE ONLY CREDIT REPORTER THAT HAS UPDATED MY LEGAL NAME CHANGE ... XXXX XXXX HAS NOT BUT AT LEAST USE MY EARNED TITLE OF XXXX ! THIS XXXX AND FRAUDULENT EXPERIAN WITH THEIR FALSE ADVERTISEMENT IS THE ONLY THUGS THAT REFUSES TO ADDRESS ME AS XXXX OR ACCEPT MY LEGAL NAME AS XXXX XXXX AND IT IS CONFUSING WHENEVER I TRY TO APPLY FOR CREDIT. I TRY TO USE ONLY COMPANIES THAT USE ONLY XXXX SINCE THEY WERE THE ONLY ONES WHO ACCEPTED MY LEGAL NAME CHANGED LIKE XXXX XXXX. BUT SOMETIMES I DON'T ALWAYS KNOW WHAT OTHER CREDITORS USE UNTIL AFTER I APPLIED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: NV

Complaint narrative:
There is a fraudulent item on my credit report. I had an account with XXXX. It was satisfied and cancelled. Somehow two collection agencies have gotten a hold of my account information and are asking for a payment not owed. One was removed XXXX XXXX. 

XXXX XXXX is still being reported on my credit report. I submitted an online dispute, but the item is still listed on my account. It is lowering my score and making me unable to get credit. This is causing damages and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I visited the XXXX XXXX branch of Bank of America in XXXX XXXX Ca on XX/XX/2019 to replace a lost bank card. The personal banker assisted me with the replacement then asked if I like to speak to the relationship manager on current refinance promotions. I agreed to speak to the person. I initially waited and after 20 minutes decided to leave since I had an appointment to make without ever speaking to XXXX XXXX about refinance promotions. On my way out he asked for my contact information and stated he would call me later that day. I did not receive a call. I received an alert from credit monitoring that a mortgage hard credit inquiry from Bank of America had been made that same day. I did not authorize or consent to this inquiry. I have requested that the bank remove the inquiry from all the reporting agencys. Based on the violation of the Fair Credit Reporting Act I am reporting this to consumer finance for further investigation into the practices of Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Ive been paying XXXX a month for probably 8 years now, for Wells Fargo XXXX XXXX XXXX ( could be wrong on the name ), signed up for it when I opened my account not really thinking anything of it, except it was probably good to have. Called a week ago to cancel the service/payment, was informed by a Wells Fargo customer service employee that the Credit reporting service has been disbanded years ago! So Wells Fargo knowing the service that they insisted I get, ceased to continue they still withdrew XXXX $ a month from me. The woman I spoke to could not give me a date when the service stopped but she insured me its been a while, years. So Wells Fargo was actually stealing from me correct? How can they allow my payments to come out knowing the service stopped without ever once sending me an email or phone call, anything. I have hundreds of dollars I feel I should be back paid. 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 non-monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2018 XX/XX/2018 and XX/XX/2018 I sent PORTFOLIO RECOVERY ASSOCIATES, LLC letters pertaining to a Cease and Desist letter. I also stated in the letter, that I would only deal with the original creditor ( see letter dated XX/XX/18 ) THEY HAVE NOT BEEN IN COMPLIANCE To date, PORTFOLIO RECOVERY ASSOCIATES, LLC is still reporting COLLECTION ACTIVITY TO THE CREDIT BUREAUS. ( PLEASE SEE CREDIT REPORTS WHICH SHOWS COLLECTION ACTIVITY. ) They said they completed their investigation but, they have not deleted these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I noticed this issue in XX/XX/XXXX and start from XX/XX/XXXX, Transunion has charged me {$180.00} in total, with {$19.00} per month. I was charged without aware of registered as a membership. Transunion did not send me any receipt or notice of charging which is totally unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX 2019, I received a collection letter from Halsted Financial Services , LLC . The letter indicates that my account has been placed by XXXX XXXX, XXXX with agency for collections. The outstanding balance is {$310.00}. The original creditor is XXXX XXXX XXXX AND the current creditor to whom the debt is owed by XXXX XXXX, XXXX. 

This is a fraud because i have never applied any loan with the XXXX XXXX XXXX nor do I have a knowledge about the company. Someone stole my identiy to apply for the loan. It's also noted that I have never received any written notification in regards to the loan or statement from the XXXX XXXX XXXX. I just certainly received a collection letter on XX/XX/XXXX/19. The XXXX XXXX, XXXX has already reported my on the XXXX  agency and it has already effected my FICO score. 
I also filed a fraud report with a local Police department. I disputed a debt to the XXXX XXXX XXXX company and contacted XXXX  to dispute the collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
A year ago XXXX XXXX XXXX in XXXX TX tried to collect a debt they said I owed for an ambulance trip XXXX, of course Medicare had already taken care of it. XXXX finally sent me a letter that said XXXX had not contacted them anymore and they had restored my credit rating. This will be hard to believe!! They just sent me another dun in the same amount for the same XXXX trip that was a year ago. This time they even contacted me on the phone. I look them up on the internet and it seems they do this. They just sent me another letter today after I contacted them on the internet and told them I was reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
When I was underpaid and struggling to pay my loans from Fall XX/XX/XXXX to XX/XX/XXXX, Navient repeatedly encouraged me to take in school forbearances rather than giving me income sensitive repayment options. Forbearances were simple and could be approved over the phone and were pushed by the Navient employees. As a result of these forbearances, tens of thousands of dollars of interest became capitalized and I am paying much more for much longer than needed to be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV FUNDING LLC never received any communication by mail from them. They are violating my rights by posting a negative account on my credit reports. I am actively working with the local police department as there has been identity theft that led to fraud on various credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: NV

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX i tries to apply for a secured card to build credit becaiaw i have no credit at all. capital one system keeps declining me and pulling someone else credit information!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: NV

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: NV

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief