vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-16 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: OH

Complaint narrative:
My XXXX XXXX Account ending in XXXX, with XXXX XXXX has went into default and was charged off, but still remained with XXXX, I had lost my job and could n't pay, so when i found employment, I contacted XXXX  because I had several accounts that I had defaulted on. The other accounts were sent to an outside agency, but XXXX XXXX and XXXX XXXX XXXX XXXXXXXX still remained with Comenity. When I contacted XXXX because I wanted to set up payment arrangements to bring the account positive. I was put in contact with my account XXXX, XXXX at XXXX, ext XXXX. She offered me options to pay less to settle. I refused the offered, and chose to pay the full amount owe, in monthly payments because I wanted a more positive effect on my credit report. As I explained to XXXX, I wanted the account removed once it 's paid in full, and did not want to it remain on my credit report as a " paid charge off '' because its still hurting my score. That the reason I decided to pay in full and not settle, XXXX explained to me that once the account is paid that i can contact their credit reporting department to have it removed. I tried contacting them, but with no response. I opened a case with all three credit reporting agencies and only experian has responded. They only updated my report with a payment status of " paid collections '' which to me is not helping me, because it still show my delinquent history. The amount that was owed on this account was {$280.00}. I paid it off in 4 monthly installments. I paid {$80.00} on XXXX, {$80.00} on XXXX, {$80.00} on XXXX and the last payment of {$43.00} on XXXX I submitted another complaint and the results was the same, " paid collections '' I 'm trying so hard to improve my credit. I had 7 accounts with comenity and all went into collections with i lost my job. the other 5 was sent to XXXX, which I am currently making payment arrangements with them to pay all off in full. i refused the settlement offer too. XXXX is not reporting on my report, because they said as long I do n't break my payment arrangement they will not report. I have bank statements to show where I have paid XXXX XXXX in FULL, XXXX XXXX XXXX will be paid off in FULL on XXXX/XXXX/XXXX. the other accounts with XXXX, all those all due to be paid off on XXXX/XXXX/XXXX. I 'm writing to you all to look into an investigation and get the XXXX XXXX account off my report, as I was told would happen, once I PAID IN FULL, which I have fulfilled my part of the arrangement. If there are any questions, please feel free to contact me at 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 2017-12-16 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: OH

Complaint narrative:
My XXXX XXXX Account ending in XXXX, with XXXX XXXX has went into default and was charged off, but still remained with XXXX, I had lost my job and could n't pay, so when i found employment, I contacted XXXX because I had several accounts that I had defaulted on. The other accounts were sent to an outside agency, but XXXX XXXX and XXXX XXXX XXXX XXXX still remained with XXXX. When I contacted XXXX because I wanted to set up payment arrangements to bring the account positive. I was put in contact with my account manager, XXXX at XXXX, ext XXXX. She offered me options to pay less to settle. I refused the offered, and chose to pay the full amount owe, in monthly payments because I wanted a more positive effect on my credit report. As I explained to XXXX, I wanted the account removed once it 's paid in full, and did not want to it remain on my credit report as a " paid charge off '' because its still hurting my score. That the reason I decided to pay in full and not settle, XXXX explained to me that once the account is paid that i can contact their credit reporting department to have it removed. I tried contacting them, but with no response. I opened a case with all three credit reporting agencies and only XXXX has responded. They only updated my report with a payment status of " paid collections '' which to me is not helping me, because it still show my delinquent history. The amount that was owed on this account was {$280.00}. I paid it off in 4 monthly installments. I paid {$80.00} on XXXX, {$80.00} on XXXX, {$80.00} on XXXX and the last payment of {$43.00} on XXXX I submitted another complaint and the results was the same, " paid collections '' I 'm trying so hard to improve my credit. I had 7 accounts with XXXX and all went into collections with i lost my job. the other 5 was sent to XXXX, which I am currently making payment arrangements with them to pay all off in full. i refused the settlement offer too. XXXX is not reporting on my report, because they said as long I do n't break my payment arrangement they will not report. I have bank statements to show where I have paid XXXX XXXX in FULL, XXXX XXXX XXXX will be paid off in FULL on XXXX/XXXX/XXXX. the other accounts with XXXX, all those all due to be paid off on XXXX/XXXX/XXXX. I 'm writing to you all to look into an investigation and get the XXXX XXXX account off my report, as I was told would happen, once I PAID IN FULL, which I have fulfilled my part of the arrangement. If there are any questions, please feel free to contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
In the first week of XX/XX/XXXX sent a certified letter to XXXX XXXX requesting verification and validation on debt and ownership anything with my signature. The company did n't provide any proof and did n't add a dispute remark on credit bureau until XX/XX/XXXX and even then, only put it on 2 bureaus XXXX had no dispute marks on it. resent a letter received by XXXX XXXX on XX/XX/XXXX. I again waited for validation and verification and received neither, also XXXX XXXX still violated FCRA by not marking my report as disputed. 

XXXX has also filed a suit against me, without providing any validation or verification that has been requested for over 5 months prior. XXXX XXXX actions have caused adverse actions on my life, I was passed up for 2 separate positions due to the status on my report and not having the dispute marked on the credit bureau. 

Please Help me..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX phone number XXXX, extension No.XXXX is a mean person whom Bank of America has appointed to handle my problem. 

I called him several times and he has n't shown even the slimmest sign to solve my problem. 

He is a Liability on Bank of America who is taking the salary and not performing. 

I called him several times and left voicemails but he does n't even care to call me back and solve my problem. 
After speaking with him, I have got another bill from Bank of America for {$2800.00} and they are asking me to pay {$44.00} every month, what the XXXX.. What is XXXX XXXX doing ????? 

Out of no where I recieved this bill, What is XXXX XXXX doing? Is he on a holiday or a cruise where he could n't pick up the phone?

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 2017-12-16 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: Innovis
State: VA

Complaint narrative:
Hello : On XX/X/2017, I disputed INCORRECT ( address ) information on my INNOVIS credit report. I specifically, I provided tangible and legal documents with detailed information and proof ( both personal information & information as PROVIDED and REPORTED by the creditor ). I specifically, addressed/highlighted the incorrect information which had to be correct. My residence is a single family HOME and they report an apartment, which is completely inaccurate and non existent. On XXXX/XXXX/XXXX, I received information that the dispute was completed ; however, the address is still appears incorrect. I am aware under Federal guidelines that ( 1 ) either the information is corrected and/or ( 2 ) info be deleted in unverifiable. I am seeking source information, as still the info is not valid, accurate, or even verifiable ... because it does n't exist. Clearly, their is a disconnect with the Innovis as the repository was not only provided the correct, legal proof, regarding my inquiry ; but, also was provided the exact proof as indicated, provided and reported by/from the creditor. Your assistance is greatly appreciated to rectify the issue ASAP, as it is incorrect and further damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I had a debit card on file for a line of credit @ XXXX XXXX in XXXX Tennessee.I become behind & they called and explained that it didnt go thru on my card.They then told me to pay in person what was owed..in the meanwhile they took TWO payments out of my acct then attempted another..When i addressed this.They sd they can pull the payments whenever they chose to since it was now behind. Now my acct is minus bc of not knowing the Exact day it was coming out plus they sent more then one payment thru along with my other bills trying to go thru. My acct is now minus and i accumulated all kinds of fee for overdrawing ect..Again this was in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CA

Complaint narrative:
Lexis Nexis is reporting XXXX items on my report that do not belong to me and is causing me to be charged for items that are not mine. 
They are the following accidents that are not from me. Please ask them to remove immediately and refund me the difference in premiums paid. We run third-party reports to validate your quote and found a few things that updated what you entered. These affected discount ( s ) on your quote. 
View the Updates Your driving information has changed.

The information you entered during your quote does not match the information we found on your driving report ( s ) : XXXX XXXX Accident - At Fault on XX/XX/XXXX Listed on XXXX Comprehensive Claim {$1000.00} or less on XX/XX/XXXX Listed on XXXX Accident - At Fault on XX/XX/XXXX Listed on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
In the first week of XX/XX/XXXX sent a certified letter to XXXX XXXX requesting verification and validation on debt and ownership with my signature. The company did n't provide any proof and did n't add a dispute remark on credit bureau until 60 days later and put it on 2 bureaus, XXXX had no dispute marks on it. I resent a letter received by XXXX XXXX on XX/XX/XXXX. I again waited for validation and verification and received neither, also XXXX XXXX still violated FCRA by not marking my report as disputed. 

XXXX has not provided any validation or verification that has been requested for over 5 months prior. 
Please help me get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX or XXXX, XXXX I received a notification that Chase Bank made an inquiry into my credit files as a result of a credit card application. I immediately called Chase bank to ask about this inquiry into my credit files and I informed them that it was not me. Someone had obtained my personal information and used it to apply for the Chase Bank credit card. I was told that no credit card was issued, the application was marked as fraud and deleted. However, the Chase Bank inquiry is still on my credit report with XXXX. 
On XXXX XXXX, XXXX I sent a letter to Chase Bank requesting them to close any credit card accounts opened and I included a note to delete the inquiry from my credit report with the Credit Bureaus ( XXXX ). Also, the letter requested Chase to respond to my requests. I still have not received any feedback from Chase Bank and the inquiry remains on my credit report with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Note : Grandpa'sspacebarisbroke.Facts : XXXX, XXXX @ CALSTATfor $ XXXX & XXXX $ XXXX $ XXXX $ XXXX $ 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 monetary relief
Consumer complaint received 2017-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I completed a 5 year opt-out form on XXXX XXXX, XXXX and then completed a permanent opt-out form at the beginning of XXXX. In XXXX XXXX I was told by a national bank that Equifax was selling my information even though I completed two ( 2 ) opt-out forms and was supposed to be on the opt-out lists. After I heard they were still selling my information, I filled out another opt-out form in XXXX XXXX and sent a copy to Equifax with a certified letter on XXXX XXXX, XXXX. I filled out three ( 3 ) opt-out forms from XXXX and they are still selling my information. In the certified letter I sent them I informed them again that they should not be giving out and/or selling my information to anyone since I am on the opt-out lists. In addition to sending the opt-out form to Equifax, I also made it very clear in my certified letter that I wanted my name, address, and social security on their permanent opt-out list. As of XXXX XXXX, XXXX they still do not have my credit file marked as " Opt-Out '' and they are still selling my information which violates my rights under the FCRA. They are also changing dates on my accounts on my credit report. For example, an account was closed in XXXX and it was originally last reported as closed in XXXX, but Equifax changed the date to XXXX. That is 6 years after the account was closed. Another account was closed in XXXX and last reported closed in XXXX, but Equifax changed the date to XXXX. That is 7 years after the account was closed. The dates have been changed on almost half of my accounts in my credit report. Why? I believe they are changing dates because they want to keep these accounts on my credit file. If they keep changing the dates then it stays on my credit even though these accounts have been paid off and closed for years. This also violates my rights under the FCRA. I disputed these date changes and they never answered my question. They also did not fix these dates or take it off my credit report. I also disputed duplicate accounts that have the same account numbers, same closed dates, etc. and they did not delete the duplicate account. I want Equifax to mark my credit file as " Opt-Out ''. I do not want them giving out and/or selling my information to anyone. I want Equifax to either fix the dates or take the accounts off my credit report. I also want them to delete the duplicate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I asked a company how they got my personal information and they told me Experian sold my information to them even though I completed a 5 year opt-out form in XX/XX/XXXX. I also completed a permanent opt-out form at the beginning of XX/XX/XXXX. After I heard Experian was selling my information, I completed another opt-out form in XX/XX/XXXX and sent a copy to Experian with a certified letter. I completed three ( 3 ) opt-out forms from XX/XX/XXXX-XX/XX/XXXX and they are still selling my information. In the certified letter I sent them I informed them again that they should not be giving out and/or selling my information to anyone since I am supposed to be on the opt-out lists. In addition to sending the opt-out form to Experian, I also made it very clear in my certified letter that I wanted my name, address, and social security on their permanent opt-out list. In XX/XX/XXXX I asked another company how they got my information and they told me Experian sold them my personal information even though I have already completed three ( 3 ) opt-out forms. I received my Experian credit report in XX/XX/XXXX and they still do not have my credit file marked as " opt-out '' and they are still selling my information which violates my rights under the FCRA. I want Experian to mark my credit file as " Opt-Out '' and I do not want them giving out and/or selling my information to anyone.

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 2017-12-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX I submitted a dispute to equifax for fraudulent {$95.00} derogatory mark from XXXX XXXX XXXX XX/XX/XXXX Spoke with XXXX via live chat to the status of that dispute. Was told to contact Customer Services Team XXXX XXXX to XXXX in my time zone. 
XX/XX/XXXX Sent another Inquiry to XXXXXXXXXXXX as to the status of my dispute XX/XX/XXXX received email from Customer Care telling me to contact Consumer Services team XXXX I then called that number and spoke with XXXX. A horrible XXXX on wheels ( sorry, but she is ). Told me it had been verified and belonged to me. I told her that was impossible. As I had called the " original creditor XXXX '' and they could find no record of this debt. 
XX/XX/XXXX Equifax sent me a letter stating the requested the reporting company verify the accuracy of the information that I disputed. 
XX/XX/XXXX Called Equifax, waited on hold for nearly an hour. When a horrible XXXX ( sorry seems to be typical employee ) said " WHAT DO YOU WANT? '' And when I did n't answer her immediately she hung up on me. 
XX/XX/XXXX I then called XXXX XXXX XXXX and spoke with XXXX. I told him I have no {$95.00} debt with XXXX and filed a dispute. XXXX said they would contact XXXX and I would have results in 2 weeks.

This derogatory mark is still on my EQUIFAX report. It says it is disputed by consumer, pending and I should have the results soon.

Honestly. 7 months is ridiculous. WAY past the 30 day mark. 

Is EQUIFAX receiving " kickbacks '' for " questionable '' ethics? PLEASE demand they conduct themselves in the same standard as XXXX XXXX or excuse themselves from credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: Navient Solutions, LLC.
State: CO

Complaint narrative:
XXXX XXXX is the business and the date is XXXX XXXX, XXXX! I wasnt even in Kansas and if i was i lived in XXXX  XXXX, Ks! The amount is XXXX dollars and its fraud! The company is 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 2017-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
Hello. 
On XX/XX/2017, I did Global Transfer at citibank from the U.S. to the XXXX XXXX and I closed my account. Transfer amount was USD XXXX. 
However, it did n't work and monthly service fee keeps being charged. 
I tried to contact with citibank, but they did n't respond phone call. Because I am outside of the U.S., the phone call is only way to contact with citibank. 
I do n't understand why the global transfer did n't work and monthly fee was charged even if I got receipt. 
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 monetary relief
Consumer complaint received 2017-12-16 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: Convergent Resources, Inc.
State: CO

Complaint narrative:
XXXX XXXX is the business and the date is XXXX XXXX, 2017! I wasnt even in Kansas and if i was i lived in XXXX XXXX, Ks! The amount is XXXX dollars and its fraud! The company is 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