vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONRAD CREDIT CORPORATION
State: NC

Complaint narrative:
XX/XX/2018 XXXX call the Collection company and tried to resolve balance owned

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have noticed that an account for XXXX XXXX about account # XXXX which does not belong to me and is a result of identity theft. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. Contacted tried to resolve this matter with the bank TRIED TO CONTACT THIS INFORMATION WITH XXXX XXXX and spoke with XXXX at XXXX and he created a Fraud File # XXXX. As required by section 611 of the Fair Credit Reporting Act, I am requesting that item be removed immediately to correct the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synchrony bank made the decision to close the XXXX XXXX XXXX accounts. Obviously with the bankruptcy of XXXX XXXX XXXX, that in itself is not synchronys issue. 
However, arbitrarily closing the accounts with no recourse for consumers ( shift to another open line of credit ), the closing of the account DOES IN FACT affect the consumers debt to income ratio and ultimately credit score. For an act that had no fault of the consumer. The individual card holder now pays for it with higher interest rates, denial of credit etc.. 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 explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
On various dates, XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX, and still I keep getting various calls from Navient ( based on my caller id ). They leave no response as to who they are when leaving a voicemail. I have stopped answering their phone calls because of them calling me no less than 5 times a day, or more. I've tried to get my payments lowered numerous times. They keep telling me that there is nothing they can do to lower my payment because of it being a private loan. If I CAN'T make a payment, what am i supposed to do? I don't feel comfortable talking to them, because the last few times I have tried to reach out to them they were short and snide with their remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Today XX/XX/XXXX I learned that a discharged judgment and foreclosed property from a XXXX Chapter XXXX Bankruptcy has appeared on our credit report after 7 years. Per the credit report the Debt is showing as XX/XX/XXXX Bank name XXXX XXXX  XXXX -- No Data. Eviction is checked yes. Address is XXXX ( will disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX Trustee for XXXX XXXX ( was XXXX  XXXX XXXX then XXXX ) - No Data. Eviction is checked yes Address is XXXX ( will further disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX XXXX XXXX - Eviction is checked no Address is XXXX ( will further disclose if requested ) Judgment Amount is {$35000.00}. 

Home at XXXX was foreclosed in XXXX, there was no eviction and was my husbands property. 

XXXX was my property which was discharged in our joint bankruptcy in XXXX. There was no eviction. Also XXXX XXXX was related to XXXX XXXX and my name was not on that loan. It was a money judgment when the bankruptcy discharged it in XXXX at {$35000.00}. 

These items were not on any credit report until around XX/XX/XXXX when I received a letter from Equifax saying that my current address was changed to XXXX, a place I had not lived at for 3 years. 

Both of these banks are in violation of the terms of the bankruptcy as both property and judgment were discharged in the bankruptcy. 

I want these items permanently removed from our credit reports as this is some sort of retaliation. I have not contacted the banks because we have worked very hard over the past 7 years to keep our credit clean. I do not wish to play a game of dispute where each time they fight the dispute it drops our scores. We had to file bankruptcy due to my failing health and subsequent permanent XXXX, but we did so according to the laws of the United States government. We did not underhandedly file false and misleading reports that are now compromising our character. What they have done is deceptive, unfair and they should be reprimanded as they had all records relating to our bankruptcy. These banks need to stop trying to ruin people with these types of tactics. 

It has been XXXX years since the bankruptcy discharge and at least 10 years to the judgment filing. 

I can't even find an address for either bank to try to take care of this without damaging our credit files further. They are not listed in the creditor list on the credit report we just had pulled. So no way to contact them. 

We can provide whatever proof is necessary to get this handled including the court paperwork that dismissed any eviction case against us. 

We sincerely appreciate whatever you can do to stop these big banks from disobeying laws that were put into place to protect us. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
A website company XXXX with no phone number charged my account {$25.00} for merchandise I did not receive and another {$5.00} to ship it. XXXX XXXX XXXX denied the refill and said I had XXXX to see my XXXX. Great, I'm fine with that but XXXX XXXX isn't accepting my explanation. THey haven't even reached out to merchant. All they do is send it to XXXX or XXXX who do not understand XXXX as primary language. Sanctions and interest should be paid for withholding this dispute unfairly and illegally, not put me through a paper chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of American makes it effectively impossible for consumers to communicate with it without visiting a branch in person. Tonight, for example, I attempted to ask a question about my credit card account. BOA 's website does not allow for email or chat. Instead, consumers must call or visit a branch. 

Yet calling is a dead end. I spent 10 minutes setting up an automated call from a BOA representative to be placed " in more than 30 minutes. '' When the call came, I navigated through additional prompts and then .... it hung up on me. Moreover, I have tried to call again and have again been on hold for more than 10 minutes. If the last call suggests anything, it's that the wait on this call will also exceed exceed 30 minutes and then the call will disconnect again - creating an embarrassingly time-consuming loop. 

If BOA cared about its customers, or about providing the service it promises, it would : ( 1 ) provide ways for consumers to reach BOA without visiting a branch ; and ( 2 ) remove the false claims that it can be reached by phone ( which waste its customers ' time ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my XXXX, Equifax and XXXX   credit reports. Each credit report shows more than XXXX inquiries ( XXXX from XXXX, XXXX with Equifax and XXXX with XXXX  ) that I do not recall authorizing. I understand that creditors or lending institutions are not allowed to put an inquiries on my credit file unless I have authorized it. Please have all of the inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

I have only authorized XXXX through XXXX on XX/XX/XXXX, which is the lien holder of my auto loan, to run a credit check for my current auto loan. I DID NOT VISIT ANY DEALERSHIPS NOR DID I AUTHORIZE ANY CREDIT CHECKS FOR ANYMORE AUTOMOBILE LOANS. Those inquiries are a result of identity theft and should be removed due to possible fraud. I have extended fraud alert on my Equifax credit file. XXXX and XXXX is supposed to have fraud alerts as well but when I received a copy of my credit reports, I did not see an alert on XXXX  or XXXX. I also have an open case with XXXX Police Department for identity theft - Criminal Report # : XXXX. 

I have tried several times to submit a dispute online on each CB website but keep running into an error stating I can not dispute online. 

I am disputing these inquiries on XXXX  : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on Equifax : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XXXX XXXX, XXXXXXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax is also reporting a fraudulent address. I need the address removed because I have never lived at that address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA XXXX. This address is attached to the police report for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
This company has been calling repeatedly to my family members and friends providing my personal information as well as leaving voicemails with personal information. The most recent was today XX/XX/2018 they called a friend of mines and left a long message with my full name, the amount i owed {$1100.00} 3 payment options of paying at XXXX % XXXX % or XXXX  monthly payments of around {$84.00}. They also included a website and provided a account number to pull up a account with my personal information ( address and more ) anyone can look up my information and it has been left on voicemails of friends and family. They call multiple times a day with threatened messages as well uas recordings, give me deadlines to pay usually by the end of day or further actions will be done and call out side of business hours. This company has been harassing me for months and seems to get worse i have the latest voice mail they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
IN XX/XX/2015 I HAD A STORAGE UNIT WITH XXXX XXXX XXXX AND IT WAS SOLD AND AUCTION OFF DUE TO LOST OF EMPLOYMENT THEREFORE RESULTING THE UNPAID BILL TO BE SOLD AND SENT TO COLLECTION AGENCY PROFESSIONAL DEBT MEDIATION INC. IN XX/XX/2015 FOR THE AMOUNT OWED {$420.00} HOWEVER BEFORE THE AUCTION A LETTER WAS SUPPOSE TO HAVE BEEN SENT TO ME SAYING THAT THE AMOUNT OWED WAS {$590.00} AND THAT THE UNIT WAS SOLD FOR {$350.00} THEREFORE I DO NOT OWE THE AMOUNT SENT TO THE COLLECTION AGENCY DOCUMENTS HAVE BEEN ATTACHED TO REFLECT THE AMOUNT THAT WAS SAID TO BE OWED I NEED THE CORRECT AMOUNT TO REFLECT ALL THREE OF CREDIT FILES OR PROVIDE HOW THE AMOUNT WAS CALCULATED OR REMOVE THE TRADE LINE FROM ALL THREE CREDIT BUREAU. PLEASE SEE ATTACHMENTS I HAVE REACHED OUT TO PROFESSIONAL DEBT MEDICATION MANY MANY TIMES TO RESOLVE THIS MATTER AS WELL AS ORIGINAL DEBTOR WITH NO REAL SOLUTION PREVIOUS GIVEN SOMEONE ELSE PERSONAL INFORMATION FROM PROFESSIONAL DEBT MEDIATION WITH NO TYPE OF APOLOGY FROM THE COLLECTION AGENCY AND THE INFORMATION WAS SENT TO ME BY CEO OF THIS COLLECTION AGENCY THEY ARE NOT PROFESSIONAL IN TAKING CARE OF CONSUMER MATTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: FL

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have noticed that an account for XXXX XXXX about account # XXXX which does not belong to me and is a result of identity theft. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. Contacted tried to resolve this matter with the bank TRIED TO CONTACT THIS INFORMATION WITH XXXX XXXX and spoke with XXXX at XXXX and he created a Fraud File # XXXX. As required by section 611 of the Fair Credit Reporting Act, I am requesting that item be removed immediately to correct the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: FL

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have noticed that an account for XXXX XXXX about account # XXXX which does not belong to me and is a result of identity theft. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. Contacted tried to resolve this matter with the bank TRIED TO CONTACT THIS INFORMATION WITH XXXX XXXX and spoke with XXXX at XXXX and he created a Fraud File # XXXX. As required by section 611 of the Fair Credit Reporting Act, I am requesting that item be removed immediately to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: FL

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have noticed that an account for XXXX XXXX about account # XXXX which does not belong to me and is a result of identity theft. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. Contacted tried to resolve this matter with the bank TRIED TO CONTACT THIS INFORMATION WITH XXXX XXXX and spoke with XXXX at XXXX and he created a Fraud File # XXXX. As required by section 611 of the Fair Credit Reporting Act, I am requesting that item be removed immediately to correct the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a whole bunch of inquiries on all 3 of my credit reports, and I do not know where they came from. I have contacted all 3 credit bureaus and a whole bunch of the companies, but no one will help me. I have XXXX kids and my oldest is XXXX and XXXX XXXXXXXX, this is really affecting my credit in a very bad way. And honestly it is affecting my life in a very negative way also!!! Please I need your help???? There is over 45 inquiries on each REPORT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a whole bunch of inquiries on all 3 of my credit reports, and I do not know where they came from. I have contacted all 3 credit bureaus and a whole bunch of the companies, but no one will help me. I have XXXX kids and my oldest is XXXX and XXXX XXXXXXXX, this is really affecting my credit in a very bad way. And honestly it is affecting my life in a very negative way also!!! Please I need your help???? There is over 45 inquiries on each 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 2018-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I had an account with XXXX XXXX XXXX that was placed for collection with Diversified Consultants Inc. ( DCI ), The file number is XXXX. I recently paid the outstanding balance but have been unable ( after speaking with five or six different employees at DCI ) to be able to obtain a release of the debt. I have contacted them daily in an effort to obtain the release without success. I have a closing on the purchase of a home that is being affected by this and need help to get the matter resolved. The debt was under my wife 's name ( XXXX XXXX ) but I was also listed on the account ( XXXX XXXX ). Can you help me obtain my release so I can close on our home? Thanks in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Uber Technologies Inc.
State: MA

Complaint narrative:
Ive been a loyal employee with XXXX for 2 years and recently they said my cori background check came up with something without telling me what it is and Im unable to work with XXXX  which is my main job since I have XXXX. I think this is very unfair and unjust and will like this issue to be resolved as soon as possible in a just way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Jc Pennys was over paid over 21,000.00 dollars has called XXXX XXXX 2 and they have told me 5 to ten days after wating almost 15 days they are telling me I need to show them proof its my money I asked them why after 2 calls I wasnt told that until I asked for a supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: NY

Complaint narrative:
I had a loan with AES opened 11 years ago. The delinquency started in XXXX..TEN YEARS AGO. The loan was charged off ( XXXX ). I have disputed this with the three bureaus and they left it on my file with a very generic excuse " we checked with the student loan entity and they said the information was correct ''. Apparently that is all that the CFPB does in XXXX for manipulation of dates and data by data providers. 

But the " last activity date '' of XX/XX/XXXX is seven years past the actual last activity..and even the bureaus historical data shows 120 lates back to XXXX. So this proves that their data is completely in error. 

This item is over the 7 year obsolescence time frame and needs to be removed from XXXX XXXX and XXXX as provided by federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have a loan with NAVY FEDERAL CR UNION. 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 ( Bureau ) and NAVY FEDERAL CR UNION with no successful resolution. ( Bureau ) was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation