vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX sis reporting incorrect information to the credit bureaus, currently reporting late payments on an account that is in collections, and has no payment agreement in place. Therefore, misrepresenting my relationship with them, and causing harm to my financial situation. 

Collections accounts are not allowed to have a history of late payments! I do not have a payment agreement in place with this company. Please delete this grossly incorrect and damaging reports from my credit reports. A collection is by default, derogatory, this goes without say. Please delete this immediately!

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 2020-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
This company has been calling continuously for a while. I asked for proof of debt. I also asked them not to call and only communicate in writing. I sent a letter to the company on XX/XX/2020. The letter was received on XX/XX/2020. They have continued to call. The people sound foreign and have asked about various names. This is very suspicious and sounds like a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I only paid this is because I was under duress from my your company and I never exercise my right to validate this debt. My rights were violated by pressure I feel like you guys did not properly validate this debt I feel like I over paid you when I didnt owe you. 
Please DELETE this from my account. Only contact me through CFPB. Please attach Confirmation Deletion Request on your company letterhead showing this account has been deleted from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: National Credit Services, Inc.
State: CA

Complaint narrative:
I contacted National credit services and made arrangements in XX/XX/XXXX. In XX/XX/XXXX I faxed XXXX my paperwork and emailed them the paperwork to XXXX Then I heard nothing from the company. Now the company NCS states that a payment from my account at XXXX XXXX was declined and that they emailed me and sent me letters and called me 23 times, however I have no emails, no letters from the NCS and no missed calls or at least one voicemail from this company. I contacted them and in XX/XX/XXXX and it took 2 tries to upload the documents on their website, 2 emails to the docs email address and 2 times that I faxed them and they finally got my paperwork. They are currently garnishing my pay, and they record every call and in those recorded calls they have admitted to my horror that they are not equipped to receive the avalanche of paperwork. Please investigate National Credit services XXXX XXXX XXXX XXXX, WA XXXX Physical Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX Office Hours : Monday-Friday, XXXX PST Department of Education : XXXX XXXX ( XXXX ) XXXX I am sure I am not the only one they have done this too thank you for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: MI

Complaint narrative:
Experian is reporting incorrect Student Loan Information for My Student Loan Accounts for XXXX and XXXX! They are reporting late payments for XXXX for XXXX and XX/XX/XXXX and a late Payment for XXXX for XXXX. I have disputed these with my borrowers and the have updated my loan information with all bureaus but Experian will not remove the incorrect information! The XXXX other credit bureaus have updated their information, but Experian has not, and when I Tried to dispute with them they said that because I disputed the information in the past they did not have to reinvestigate my claim!

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 2020-01-30 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: IL

Complaint narrative:
file ftc report on fraud account ftc report number XXXX sent to all three credit buearu they removed account from derogertory and placed it as closed but derogertory would like account removed and blocked company name XXXX XXXX DATE OPEN XX/XX/2015 AMOUNT THEY SAY I OWE {$420.00}

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 2020-01-30 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: IL

Complaint narrative:
file ftc report on fraud account ftc report number XXXX sent to all three credit buearu they removed account from derogertory and placed it as closed but derogertory would like account removed and blocked company name XXXX XXXX DATE OPEN XX/XX/2015 AMOUNT THEY SAY I OWE {$420.00}

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 non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have three accounts from Pheonix Financial services for {$770.00}, {$190.00} and {$150.00} ; all originally credited from XXXX XXXX 's XXXX. 


The account, along with the other two associated accounts, should've been closed a year ago on account of insurance paying the account in full. The fact that these collections are still on my record, after discussing with an agent that the accounts were closed, shows the fraudulent behavior of these accounts and the company administering them that is unless this is a mistake that has yet to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
Medical debts are no longer collectible after 5 years in the state of Florida according to state laws

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2018 Account type Collection Department / Agency / Attorney Balance Loan Amount {$550.00} {$550.00} Payment Info Original loan amount {$550.00} Balance {$550.00} Updated on XX/XX/2018 Contact XXXX XXXX XXXX XXXX, MAXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I would like for GM Financial company to be removed from credit report due to that account is over 7 years old and XXXX XXXX XXXX paid them off in full for the vehicle. GM Financial Company keep reporting negative things to credit bureaus companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: DE

Complaint narrative:
In XX/XX/XXXX, I received a loan from XXXX XXXX for flooring. The salesman indicated that I could take advantage of a 12 months no interest loan. Having done these types of loans in the past, I agreed to it. I knew that I would be able to pay the loan balance, which was a little over {$4000.00} before the accrued interest would kick in. I walked away believing that I had not payments due, including interest, until 12 months after the loan origination date. In XXXX I received a statement and there was language stating that if I didnt pay the entire balance by XX/XX/XXXX, that I would have to pay the accrued interest. Again I believed that I had just under 1 year to pay the loan if I didnt want to pay interest. In XXXX I received a letter telling me that I had missed a payment for XXXX. I was confused because I thought I had a year before I had to make payments. The payment due date, as I learned, was XX/XX/XXXX. Additionally, my XXXX payment was due on XX/XX/XXXX. In XXXX after receiving the delinquency letter, I contacted Synchrony Bank and explained my concerns that the program seemed confusing and misleading. On XX/XX/XXXX I made a payment to cover both the XXXX payment and the XXXX payment, which had a due date of XX/XX/XXXX. After making the XXXX payment I schedule payments to be auto-payed up through XX/XX/XXXX. During late XX/XX/XXXX, I checked my credit reports and saw that Synchrony Bank had reported that I paid on time in both XXXX and XXXX, but that I was 30 days late in XXXX. The 30 day late is not accurate. For XXXX, my payment due date was on the XXXX. My payment posted on XX/XX/XXXX for {$160.00} ... just 13 days beyond the due date. However Synchrony bank reported that I was 30 days late to the XXXX credit bureaus. I called Synchrony Bank to express my concerns and was told that I was reported late because they had generated a new statement prior to my payment posting. They explained that the 30 day late clock begins to run at the Statement generation date and does not begin with the payment due date. So if the XXXX Statement was generated on XX/XX/XXXX, and if I made my XXXX payment on XX/XX/XXXX ... the payment would be reported as 30 days late ... when it really be only 9 days past the due date of XX/XX/XXXX. I would like for Synchrony to remove the 30 day late for XXXX from my credit reports, as it is really misleading to start a past due clock based on a statement generation date and not on the payment due date.

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 2020-01-30 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: Westlake Services, LLC
State: CA

Complaint narrative:
I had sent over dispute and credit validation letters to all three credit bureaus and directly to each companys address. On the date of XX/XX/2019 to all three credit bureaus. I didnt not get any credit validation, I just got basically my credit report from each just stating its remaining on my credit with out verification or proof! I then sent dispute and credit validation letters on XX/XX/2019 and on XX/XX/2019 to all three credit bureaus and main reporting companies on the account and got the same results no proof of validation or verification! I just got back basically my credit report and for the credit validation I never got any reply from any of the reporting companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$1000.00} {$1000.00} Payment Info Original loan amount {$1000.00} Balance {$1000.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX, MDXXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
Complaint being reinstated since American Education Services ( AES ) does not believe the information I have provided. I am including an example of their customer service representatives interaction. I believe that AES is basically calling me a liar since they denied all the information I detailed in my complaint. 

I have been removed from American Education Services ( AES ) borrower benefit program ( BBP ) that reduces interest rates by 1 % after 36 months of on time full payments unfairly and due to AES steerring me away from their automatic direct debit payment program. I was removed from the program due to a payment that was a few weeks late and a payment that was {$94.00} short of the payment since I was looking at an old bill. Had I been enrolled in their automatic debit payment program like I wanted to I would not have missed these payments. I was steered away from their automatic debit payments due to incorrect and misleading information. It is my belief that AES will not let customers that are trying to get into their BBP set up automatic debit payments since this will make it mush easier for them to qualify for lower interest rate. I was told in XX/XX/XXXXthat I could not set up automatic direct debit program to pay more than the minimum payment. I wanted to pay more to pay my loans off sooner so I did not set up automatic direct debit payments at that time. I again questioned automatic direct debit payments on XX/XX/XXXX and was told that " Unfortunately the lender does not allow a paid ahead status '' and I could only make minimum payments using automatic direct debit payments and would have to send two bills to make extra or over payments. Since then I have found out that I can pay any amount over the minimum payment. AES continually gave me incorrect and misleading information. I have e-mailed AES customer service over 6 times the past 3 months with out any reply or a response about the incorrect information I was given. The continue to not take responsibility for their actions in this circumstance and have denied my request to honor the 1 % interest rate reduction I should be qualified for since XX/XX/XXXXthat has resulted in 10 years of AES collecting higher interest rates from me unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There is a XXXX XXXX auto auto finance loan showing on my credit report it does show a XXXX  balance but shows as a collection charge off account paid after dispute this information is not true the account was never late and paid off with XXXX balance I have disputed however credit bureau responds as verified but doesnt update payment history or status

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 2020-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Bait and switch practices With PayPal credit card through Synchrony bank. 
I opened a new account in XX/XX/2019 and have found NOTHING BUT DECEPTIVE practices with this credit card through Synchrony Bank. First off they are holding my paid in full payment that was electronically transmitted from my checking account. I was told this hold by Synchrony bank is because it is a new account. Interestingly I've already made 2 prior payments that were not placed on hold. So this larger payment hold will place an interest fee on my account. I've talked to 4 different account reps and they all gave a different rationale as to this 3rd payment hold. I used PAYPAL CREDIT CARD thinking it is part of PayPal. It is not. What they do may be legal, but it is exceptionally deceptive and you will find that there is no resolution through their employees.

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 2020-01-30 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:
There is a XXXX  XXXX XXXX XXXX XXXX loan showing on my credit report it does show a XXXX  balance but shows as a collection charge off account paid after dispute this information is not true the account was never late and paid off with XXXX balance I have disputed however credit bureau responds as verified but doesnt update payment history or status

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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There is a XXXX XXXX XXXX XXXX account on my credit report showing a payment history of charged off the account was never late and paid in full I have proof from XXXX  XXXX but after several attempts the bureau continues to report negative payment history and incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
This is the second, time. I have already completed this report before. Y our firm have done anything for me to help me. I am XXXX years old man trying to make this payment of {$470.00} with a rate of 35 % is hard. I have you to look into one main Financial lending process. Can someone please help me with this problem. My loan was {$13000.00}, I have 10 payment and it still {$13000.00}. can you tell me what wrong with this picture.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
There is a capital one auto finance account on my credit report showing a payment history of charged off the account was never late and paid in full I have proof from capital one but after several attempts the bureau continues to report negative payment history and incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Again Im having problems with my identity since XX/XX/XXXX. Your company has been awesome. I actually feel heard and you respond or get the company to respond. Thank you. I tried to get my XXXX after I found an error with Transunion. Id be overjoyed if they actually agreed I am ME but for years of identity theft caused by my ex husband my name is Mudd So since I couldnt get my report online they said I could get it by mail so I sent for it on XX/XX/XXXX from Trans Union have not gotten a response have not gotten my credit report. According to what I read in the FTC they had 15 days from receipt to mail to me. It is now XX/XX/XXXX and NOTHING. Cant get it online or mail. I really am trying to undo all the damage my ex has done and these companies make it so hard I almost want to give up. 
I wanted my credit report from all three companies and Requested that Online through XXXX XXXX XXXX   XXXX but all three rejected me. Its a lot of work being me. Thank you. 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