vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-25 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: SC

Complaint narrative:
I've contacted the 3 major credit reporting agencies about inaccuracies on my credit report resulting from identity theft possibly from the many recent breaches. None of them have yet to respond with any relevant information or tell me how they allowed these accounts be opened. Again, its not my job to start trouble, but these inaccurate accounts are really hurting my ability to get credit and are beginning to cause emotional stress.

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 2020-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Back on XX/XX/XXXX I complained about Ally not sending me a check they promised to get out to me. Two years later they say they still have the check. I filled out a lost check affidavit twice in the year XX/XX/XXXX and I still have yet to receive the check. Each time I try and chat in with them they ask for more information and then tell me they already had it on file.

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 2020-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I received an installment loan from Tower Loan and paid the loan in its entirety, which has finally been noted on my credit report. However, during that process they kept calling and sending me things in the mail stating that my payments were late. It was not until I disputed that erroneous information did they finally change it and closed the account. However, during this time I started seeing multiple inquires on my credit report from Tower Loan, which  looked as if I gave them permission to perform hard inquires on my credit. At that time, I did not apply for any new lines of credit and when I inquired about this situation. I received a letter saying in an attempt to collect my debt, which I had paid in full, they performed hard inquiries on my report. I would like for those inquires to be removed and any of the supposed late payments removed as well. This company is horrible and I can only imagine the many other customers that overpaid their loan like I did. Thank you for your assistance in this 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 2020-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I recently checked my credit for the first time on XX/XX/2020 and noticed a derogatory mark for a debt owed on a credit card. ive never opened that card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: NY

Complaint narrative:
INQUIRIES ON MY CREDIT REPORTS THAT ARE NOT MY DOING. PLEASE ERASE. I have 5 inquiries that are not my doing. I do not want a response saying please contact these companies as i have done so and they say that there is Nothing on file for me. So please remove asap. 

EXPERIAN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX   Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 2020-01-25 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: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
My credit report is showing a late payment on my Mortgage with Mr. Cooper for the month of XX/XX/2019. My bank account shows that my check to Mr. Cooper was cashed on XX/XX/2019. This mortgage was sold to Mr. Cooper during the month of XX/XX/2019 and on XX/XX/XXXX, a representative from Mr. Cooper informed me that my payment was never received during the month of XX/XX/2019. I believe my payment was lost during the transfer of mortgage companies during that time so I double paid my mortgage at that time. Nobody ever informed me that my payment wasn't received during XXXX otherwise I would have corrected it immediately. 

Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
In XX/XX/2018 I was seen in the emergency room with a provider who was in my network but at a hospital where I am not a member. 
I was billed and contacted by Progressive Management after this bill went to collections. 

I provided my medical insurance and policy number to Progressive Management in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for them to file a claim with the correct insurance company and they were negligent. Therefore incorrectly reporting this to my credit. 

According to Supreme Court Ruling AB1611 I can not be held responsible for this emergency bill as I provided the collection agency my insurance information to file claim. 

I want this entire debt cleared and removed from my credit or I will otherwise sue for the balance as well as statuary expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is reporting the following addresses in errors. I have offered to show equifax my tax contract bill for my home ownership of XXXX XXXX XXXX XXXX as of XX/XX/XXXX and they ave refused and correct the errors. The current address is correct accept for it should show XX/XX/XXXX not XX/XX/XXXX I have had to file a identity theft reports due to protect myself address against fraud of which it happened again with them due to their two security breaches at equifax of which i was a victim and they never sent me the claim forms for the expenses i incurred. The Fraud also happened in another state of which i have documents to show where i was violated on my addresses with equifax in the state of Minnesota. 

Equifax has my former address of which i never lived there in XX/XX/XXXX, The information is conflicting and fraudulent so when i apply for credit it makes me appear to be unstable. This information should be deleted immediately because i challenge equifax to show me a lease or mortgage from either address so that i can have XXXX XXXX attorneys to investigate for a lawsuit of either address being in my name of XX/XX/XXXX.Below it shows two conflicting years. The former address and years needs to be deleted immediately XXXX XXXX XXXX, XXXX Ohio XXXX Reported XX/XX/XXXX XXXX XXXX XXXX, XXXX Ohio XXXX Reported XX/XX/XXXX This information is deceptive in equifax and needs to be deleted as former how can I live at three different addresses all in XX/XX/XXXX including the current. I dont under that i have a fraud alert with my current phone number and they did not even contact me about my address as a fraud alert victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 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: NY

Complaint narrative:
INQUIRIES ON MY CREDIT REPORTS THAT ARE NOT MY DOING. PLEASE ERASE. I have 5 inquiries that are not my doing. I do not want a response saying please contact these companies as i have done so and they say that there is Nothing on file for me. So please remove asap. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Re seller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 2020-01-25 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: NY

Complaint narrative:
INQUIRIES ON MY CREDIT REPORTS THAT ARE NOT MY DOING. PLEASE ERASE. I have 5 inquiries that are not my doing. I do not want a response saying please contact these companies as i have done so and they say that there is Nothing on file for me. So please remove asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX   Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On or about the end of XX/XX/XXXX, I received a letter from Synchrony bank after I removed several items from my account that were linked to an authorized user I removed in XX/XX/XXXX that kept reappearing, that stated they were reducing my borrowing credit to {$100.00} from approx 8k, owing {$0.00}. This is a slap in the face as I have had the account since approx XX/XX/XXXX paid ontime and as agreed, and I am still a Oustanding member. I have been going through a seperation for which the house is in dispute and yet I have other credit lines and pay them on time with credit borrowing above 8k and they have yet to reduce my line. I will never again take a credit card from Synchrony bank and will be letting anyone I can about how they treat good standing customers.

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 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMERCE BANK
State: MO

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: Nelnet, Inc.
State: NJ

Complaint narrative:
i tried to pay off one of my student loan that is now a total XXXX US dollars. i made two attempts this year and nelnet for some reason keeps canceling the payment. i have screenshots that it is being processed and when i keep checking it is still being processed and then i look at my bank account the money is there and nelnet has not taking it. my bank confirm that nothing is wrong on there end. so i called nelnet to see what is the problem and they want to say there is a problem on my bank side. which is not true. i think they are scrammers because he they do not accept my payment the interest rate continues to increases. this is not acceptable.

the have accepted other payments that i submitted around the time i submitted the full payment of one of my loans i will submit a payment again in smaller amounts to pay this loan off please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: AZ

Complaint narrative:
I get paid on XX/XX/XXXX the manger emailed me and said it would go to repossession on XX/XX/XXXX but she had options then a representative called and said no options and it will be repossessed on XX/XX/XXXX and add more fees she was very rude and then she called my friends and left voicemails for location information when they have my current contact information this is very embarrassing on top of everything else going on in my life that they dont care about and we are only talking 4 days and when I emailed the manager back with my concerns they are not calling me back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted Equifax about my score decreasing from 1 day to the next by 42 points. There were only 2 changes on my report which were balances decreasing which is a positive. I have a XXXX and a XXXX on 2 other bureaus and Equifax knocked me down from XXXX to XXXX. My payment history is 100 % across all my accounts. My ratio is abount 45 %. After verifying all my identity criteria I was told by a representative that they did not know why it happened and could not correct anything. Told me to hang on for a supervisor and I stood on hold for along time before being disconnected. That type of drop usually occur with a late payment or something dramatic happens. I don't know if someone opened up any accounts in my name and do not see anything on my credit reports from other bureaus. They first told me I can pay for credit counseling. This is going to kill my interest rates at a time when it took me a long time to get things corrected. I feel they are trying to scam me into buying other products in order to talk details with me or since I am part of the settlement they are discriminating against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: TN

Complaint narrative:
My complaint is with XXXX XXXX  XXXX XXXX XXXX XXXX, Mn XXXX. This involves a settlement that I reached with this bank that they offered me and I accepted. They specifically told me that this would not effect my credit in any way. I have a letter from XXXX   dated XX/XX/2019 stating that the debt had been settled and I was released from all obligations. I will attach a copy of this letter.The next thing I find out is that XXXX ( which I subscribe ) lowered my score due to the settlement 100 points from XXXX to XXXX. I have filed two complaints with XXXX with no results except to tell me that no adjustment would be made. Equifax also lowered my score almost 100 points also. XXXX did not lower my score at all. My scores as of today are as follows : XXXX XXXX, Equifax XXXX and XXXX XXXX. They all should be in the XXXX range as I value my credit very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: TN

Complaint narrative:
My complaint is with XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX. This involves a settlement that I reached with this bank that they offered me and I accepted. They specifically told me that this would not effect my credit in any way. I have a letter from XXXX dated XX/XX/2019 stating that the debt had been settled and I was released from all obligations. I will attach a copy of this letter.The next thing I find out is that Experium ( which I subscribe ) lowered my score due to the settlement 100 points from XXXX to XXXX. I have filed two complaints with Experium with no results except to tell me that no adjustment would be made. XXXXx also lowered my score almost 100 points also. XXXX did not lower my score at all. My scores as of today are as follows : Experium XXXX, XXXX XXXX and XXXX XXXX. They all should be in the 800 range as I value my credit very much.

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 2020-01-25 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX Citi premier card # XXXX XXXX XXXX XXXX I called and cancelled my membership around end of XXXX or Beginning of XX/XX/XXXX,  then received an email stated I have a balance unpaid .... I checked my account, {$95.00} membership fee was not credited back to my account .... 

I called them XX/XX/XXXX to resolve this problem since I cancelled the membership already, they told me OK. 

I received another email showing account balance {$15.00}, I called again and they told me they credited membership fee " prorated '' .... that was not acceptable since I cancelled the membership ON TIME and they DID NOT PROCESS MY ORDER OF CANCELLATION! 

They need to correct this mistake immediately by credit this {$15.00} back to this my closed account!

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