vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I do not owe a debt to this servicer and I do not know who this company is representing XXXX/XXXX  XXXX. Any money owed to XXXX XXXX has been paid to XXXX XXXX XXXX- # XXXX with payments paid since XX/XX/2019 as agreed and will be satisfied with last paid due on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a XXXX XXXX, XXXX, and XXXX XXXX XXXX. Where I didn't make enough money at the time to pay the cards by my payment deadline and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX  XXXX and XXXX XXXX XXXX. I set up another payment plan for the XXXX  card which I am currently making payments on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a XXXX XXXX, XXXX, and total visa card. Where I didn't make enough money at the time to pay the cards by my payment deadline and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX XXXX and total visa cards. I set up another payment plan for the XXXX XXXX  which I am currently making payments on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: AZ

Complaint narrative:
I filed a complaint with Experian about XXXX XXXX XXXX they buy disputed debts which have not been proven and try to collect the full amount. Third party debt collectors are not creditors and should not be allowed to report to the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: MO

Complaint narrative:
TO WHOM IT MAY CONCERN I LOOK AT MY CREDIT REPORT AND SEE WHERE MY NAME HAVE BEEN USE AND I BEEN DISPUTING THE INFORMATION WITH TRANSUNION SEVERAL TIMES AND THEY NEVER SEEN ME ANYTHING IN MAIL SAYING THAT THE ACCOUNTS WAS VALIDATED. THE ACCOUNT IS NOT MINE AND PLEASE HELP ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I consolidated my loan back in XX/XX/2017 with DEPTEDNELNET. The payment was in forbearance, because I was not sure how I was going to pay the monthly amount. Being that I was a young inexperience millennial, I kept delaying to figure out how I was going about paying my monthly payment. Then I just started a job paying about {$18.00} an hour, but couldn't figure the entire loan set up. Now I have a more stable financial situation, I am currently working on a payment plan with DEPTEDNELNET.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I consolidated my loan back in XX/XX/2017 with DEPTEDXXXX. The payment was in forbearance, because I was not sure how I was going to pay the monthly amount. Being that I was a young inexperience millennial, I kept delaying to figure out how I was going about paying my monthly payment. Then I just started a job paying about {$18.00} an hour, but couldn't figure the entire loan set up. Now I have a more stable financial situation, I am currently working on a payment plan with DEPTEDXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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:
TO WHOM IT MAY CONCERN EXPERIAN HAVE NEGATIVE INFORMATON REPORTING TO MY CREDIT FILE WHERE I NEVER HAD THESE AQCCOUNT AND IF YOU LOOK AT MY CREDIT REPORT XXXX  AND XXXX ARE NOT REPORTING ANY NEGATIVE ITEMS WHERE DID THIS COME FROM MAYBE THESE YOU GUYS ARE REPORTING SOMEONE ELSE 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 2019-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I consolidated my loan back in XXXX of 2017 with DEPTEDXXXX. The payment was in forbearance, because I was not sure how I was going to pay the monthly amount. Being that I was a young inexperience millennial, I kept delaying to figure out how I was going about paying my monthly payment. Then I just started a job paying about {$18.00} an hour, but couldn't figure the entire loan set up. Now I have a more stable financial situation, I am currently working on a payment plan with DEPTEDXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have a bout 2 late payments with EXETER FINANCE on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XXXX of XXXX. During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a bout 2 late payments with XXXX XXXX on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XXXX of 2019. During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
I called the collection agency and was told I have a debt for lumbar back problem for going to the hospital they gave me the date of me being on XXXX XXXX covered under XXXX XXXX XXXX XXXX which pays 100 % and I never went to a hospital in XXXX about a back. Problem during these dates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a bout 2 late payments with XXXX XXXX on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XX/XX/2019.  During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
have a bout 2 late payments with XXXX XXXX on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XXXX of 2019. During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: TX

Complaint narrative:
My complaint is not with XXXX or the loan in itself. There was a lawsuit with American Financial Benefits Center, which I was told was taking care of my student loans by consolidating all my loans. They were helping with my paperwork. I was enrolled in their programs and then found out that it was a scam. I've been with this company since 2015. That is when I enrolled with American Financial Benefits because I believed they were consolidating everything and putting me on the Income Driven Replacement program where If I made 120 qualifying payments then I would be able to have a portion or the rest of my student loans forgiven. It was brought to my attention by XXXX that it was all a scam. If been making my payments to them instead of directly to XXXX. I do not have a tallied amount up of how much money I have paid this service provider but I would like to know what steps I can take. I should have made more than the 10 qualifying payments that XXXX currently states I have made. I have no idea what I should do next. I believe it was a scam.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account was compromised. XXXX $ from a company called XXXX XXXX XXXX  overseas.. the bank gave a provisional credit and said they say there was an error and the provisional credit was final. Then reversed the credit and took the money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX says owe them monies from 2007. I have not been a recipient since 2007 and they have recently taken my state taxes to pay off debt. This is a debt fro 2007 how is it possible when it was supposed to be dissolved after seven years. This debt is making it impossible for me to move into a new apartment. it is now showing up on y credit as closed but in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
In XXXX I opened a joint account with my niece who was at the time in college. When opening the account only document I was asked for I was a signature card. Provided. We used the account without issue for XXXX months Im estimating until the account was locked and we couldnt move $ out of the account anymore. During this time my niece who was in another state was impacted by a hurricane and due to lack of available funds lost her apartment. I called only to determine that USAA needed identification documents for my niece. We provided what they requested but the bank had an address linked to my niece that was associated with her father therefore the proof of residence would not validate even though her ID matched her lease agreement. The bank would also ask us for documents without giving detailed information for example they requested an ID & her social security card but failed to inform me that the back of the item was also needed. This went on for approximately another 6-8 months until I could no longer fight with the bank. Currently there is approximately {$1500.00} in the account. The last time I was asked to provide documentation was XX/XX/XXXX and it was provided at that time. My account is still locked. Early on when this began I called once and told them that I had a hold on my account and whoever I spoke with just lifted the hold and at that time I thought it was resolved so I only took out what was needed not the entire amount, regrettably. In XX/XX/XXXX when I spoke with a supervisor about this & she modified the address for us to provide the proof of address we sent in the last document and still nothing. I personally funded my nieces direct deposit because I felt guilty and now Im at a loss. On that call XX/XX/XXXX I asked if what we provide is not satisfactory how long will USAA take to close the account and relinquish the funds I was told 60 days. Here we are 2 years later and the account is still in the same status USAA has held onto my money without regard for how impacting this is. 
Last 4 of the account # is XXXX XXXX {$1400.00} Last transaction XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: CA

Complaint narrative:
I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: GA

Complaint narrative:
Hey, While I was looking on my credit report and I see TransUnion is reporting XXXX XXXX XXXX charge off account as open when its closed. Second, I noticed The balance is {$15000.00} but TransUnion is reporting {$15000.00}. This is a serious violation and illegal to report inaccurate information. TransUnion is reporting incorrect, inaccurate, inaccurately reporting. 

Please DELETE this account immediately!!! Under the Fair Credit Reporting Act, EVERYTHING IN YOUR REPORT HAS TO BE 100 % ACCURATE and CORRECT OR IT MUST BE DELETED!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
I paid off this loan in XXXX, and now they are trying to sue for more than the amount of the original loan. I paid them {$460.00} on XXXX after calling them to ask for the pay off amount on the same day. Never defaulted before I made this payment. After the payment they were still making withdrawals ( 4 in total that were disputed with my bank ) bank decided to give me a new debit card in XX/XX/XXXX. Then speedy cash sent me to a collection company which put it on my credit report. Disputed with credit bureaus, and provided my bank statement with the email showing payment in XX/XX/XXXX, and it was removed from credit report. XX/XX/XXXX they reported it again to my credit report after removal. Disputed again, and never received validation of debt after dispute process. XXXX of XXXX the filed to have me sued in court. Provided the same proof, and now they are saying I falsified documents. Which is very insulting since I went to the bank to get my statement on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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 is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had applied for leasing an apartment at XXXX XXXX  XXXX  ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) in XX/XX/2018. My equifax report or XXXX XXXX  shows it as a hard credit inquiry from XXXX on XX/XX/2018. I was assured by the leasing office that the credit check will only be a soft one and this is what it says as per the rules of XXXX XXXX  on their website. I quote from their website regarding credit check information ( that I had also looked at while applying with them ) : When your credit report is pulled for the apartment, its considered a soft pull and will not drop your FICO score like a hard pull does. 
Resource : XXXX XXXX XXXX Considering this is affecting my credit score very negatively, and that it should not have been a hard credit check ( per the noted leasing company 's rules ), I ask for your help in this very case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
We review a variety of criteria in assessing whether to allow you to book a car on XXXX, including your auto insurance score. As part of our ongoing verification process, and as you previously authorized, we requested your auto insurance score from a consumer-reporting agency. Based on our existing criteria, you are not allowed to use XXXX. Your auto insurance score supplied by TransUnion influenced this decision. 


TransUnion Customer Relations XXXX. XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX XXXX TransUnion Auto-insurance ***Record outdated are not falling off. Driving and finance recorded were In-correct and Not up to 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 explanation
Consumer complaint received 2019-07-11 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This complaint involves the XXXX XXXX XXXX credit information, Account # XXXX { Please refer to the attached } on my Experian Credit Report/File. 
Although this is not a negative account, it is still not ACCURATE because I have never dealt with XXXX XXXX. I have tried to dispute this account with Experian some years back, but they would not remove it. In fact they placed a BLOCK so I am not allowed to dispute it again.This account is now PAST 10 YEARS OLD, and they still have not removed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I looked at auto loan quotes on XXXX XXXX. XXXX XXXX XXXX gave me two offers for with different interest rates ( they told me they did one via XXXX XXXX  XXXX and the other via XXXX XXXX   XXXX ). The problem is since these were two auto loan quotes given on the same date ( XXXX XXXX ) by the same dealer ( XXXX XXXX XXXX ) for a new car, it still shows as two different inquiries. Both these inquiries fall under the category of " Automobile Dealers, New ''. Based on the effects of shopping for auto loan per CFPB : Any requests or " inquiries '' by these lenders for your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry ( XXXX XXXX   XXXX ) But still these are showing as two separate enquiries on XXXX XXXX by transunion, your help will be greatly appreciated to resolve this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
account has been removed from XXXX  & XXXX XXXX still showing need to have removed

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