vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-07 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: CT

Complaint narrative:
XXXX XXXX credit card is reporting me as having a balance when it should be no balance, this is included in chapter XXXX Bankruptcy that has been discharged

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 2019-06-07 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: CT

Complaint narrative:
XXXX XXXX credit card is reporting me as having a balance when it should be no balance, this is included in chapter 7 Bankruptcy that has been discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting me as having a balance when it should be no balance, this is included in chapter XXXX Bankruptcy that has been discharged

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 2019-06-07 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: MN

Complaint narrative:
I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: MN

Complaint narrative:
I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information XXXX XXXX CO 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 2019-06-07 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: MN

Complaint narrative:
I have disputed the late payment status reported on XXXX XXXX XXXX, XXXX XXXX ', XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Diversified Consultants placed a collection for XXXX XXXX XXXX on my credit that does belong to me. They had no record or proof that my name was associated with the collection. These people are ruining hardworking individuals lives by placing fraudulent accounts on your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have disputed the late payment status reported on XXXX XXXX  XXXX, XXXX XXXX ', XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2019-06-07 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: MN

Complaint narrative:
I have disputed the late payment status reported on XXXX XXXX XXXX****,  XXXX XXXX**** ', XXXX XXXX**** with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
SYNCB/CAR CARE XXXX XXXX credit card is why my credit report took a hit due to my wife misplacing the bill and forgot to call in a payment for {$34.00} dollars than my credit report took a big hit and I really don't appreciate being treated like that due to me being a XXXX XXXX XXXX being gone during that time. We received no calls or late statements during this time, so when I called them XXXXXX/XX/2019 they told me my account wasn't showing late or delinquent. That's pretty sad when your a Veteran and treated that way due to one payment of {$34.00} dollars XXXX your credit up as much has we use it for, once this card is paid in full I will be cutting it up and closing it and going somewhere else. This is totally absurd to be treated this way.

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 2019-06-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
The original debt was charged off to my credit report was in the amount of {$4000.00} around 4 years ago. Since that time I've continued to received emails stating they're willing to settle the debt at a lower amount ( see email below ). I reached out to the company multiple times on XXXX XX/XX/XXXX to inquire about the settlement offer. I was told by multiple representatives that although the account was charged off years ago the company has continued to charged the account interest and now I states I owe {$11000.00} which they placed on my credit profile recently and that they're settlement offer would be {$4700.00} which was the original loan amount, or I can pay {$1100.00} down and start back making monthly payments on a debt that was charged off. This seems to be inconsistent with the law and or illegal/unfair interest that has accumulated after being charged off. I would like to make a settlement on what was charged off on my credit of the {$4000.00} with the understanding that I am making an attempt to correct mistakes I made but not to unfair collecting practices and illegal interest being added. Your help in correcting this issue would be greatly appreciated. 

Received XX/XX/XXXX On XX/XX/XXXX you borrowed money from Pioneer Services. At that time, you signed an agreement and committed to pay back the loan but you did not honor your commitment and your account was charged off as bad debt. 
We understand you may be facing some financial challenges. Thats why were reaching out to you today to make a settlement offer on your outstanding loan. 
Were willing to accept an amount less than the total balance in order to settle your debt. If you take advantage of this offer and pay the agreed upon amount, we will report to the credit bureaus that your loan has been settled in full. * Please call XXXX-XXXX-XXXX-XXXX to discuss your options with one of our team members. This is a time-sensitive issue and requires your immediate action, so please give us a call as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Please be advised I have submitted numerous disputes to PRA regarding a fraudulent account they are continuously reporting to the credit bureaus. They have violated my rights to dispute the fraudulent account by sending letters to the wrong address knowingly I lived out of the state and then had the audacity to respond to my CFPB complaints stating I didnt take the opportunity to dispute. The latest of their shenanigans is attaching letters in a foreign language so why send letters in a foreign language? You clearly know I speak and read English and its my only language. PRA has been purposely, maliciously attempting to collect a debt that clearly hasnt been validated by any means and in the process has broken many laws in their attempt. 

Please see enclosed my letters in reference to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
We had a front door installed with a charge date of XX/XX/19 in the amount of {$2600.00}. The actual installation took place early in XX/XX/2019. At that time when the installation was completed we responded to Home Depot the door seller and installer that we were unhappy with the installation and that we were filing a dispute with Citi ( the credit card company where we charged the door and installation ) in the amount of {$650.00}. This is the cost of the installation charged by Home Depot.  The door itself was very nice and we had no issue with the door. We were then contacted by Home Depot where we explained that the moulding around the door that we paid for was the wrong size and did not cover their work. In addition, the door threshold looked like a 2x4 ( unsightly ) and was dangerous in that someone could easily trip over it. A Home Depot representative said he would talk to his manager -  nobody ever called back or re-contacted us. I have enclosed pictures of the problems also sent to Citi. I  also sent letters to Citi ( enclosed ). The only response during this whole issue from Home Depot was that we could not dispute the charge because we picked up the merchandise which we then proved was untrue ( documents enclosed - the installer delivered the door on the date of the installation ). Citi then  sent us a letter requesting additional information by XX/XX/2019 which we sent by XX/XX/2019 ( documents enclosed ). After that Citi having received all of this information ( pictures, letters, documentation ) sent a final letter indicating we should go to Home Depot or other means to obtain the credit ( letter enclosed ). In summary, it appears Citi never had any intention of assisting us and it does appear to me that Citi must have some kind of special relationship with Home Depot. It does not appear that Citi takes the dispute process seriously.

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 2019-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated
State: IL

Complaint narrative:
I am looking to refinance my VA Mortgage. I contacted Sovereign Lending Group, filled out an application with them and received an offer. After more research I decided to go with another company for a better deal. Sovereign has called me at least six times and every time I tell them I am going with another company. The last two times I have asked them to delete my personal information from their system and to stop calling me. I do not have the dates/times/or numbers that they called me from as at the time I didn't think that I needed to track it. Yesterday ( XX/XX/19 ) I received an email indicating that they still have my information in their system. I am responding again to ask them to delete my information but given their past actions I have zero confidence that they will actually do it, hence this complaint. 

This is the email : Dear Mr. XXXX, My name is XXXX XXXX and I am a licensed loan agent with Sovereign Lending Group in the retention department. I am following up with an application or inquiry you had made recently regarding a refinance of your mortgage loan. 

Interest rate : 3.75 % Skip mortgage payment : XX/XX/XXXX/XX/XX/XXXX Cash out : {$400.00} Please let me know what I can change to earn your business today. You can reach me at Direct line : XXXX Cell : XXXX ( text ) Thank you, XXXX XXXX NMLS : XXXX Mortgage Loan Originator Sovereign Lending Group XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Direct | ( XXXX ) XXXX eFax | ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Hello, Early in 2018 I found I had {$18000.00} in fraud on my checking account at TD Bank. 

They told me to contact XXXX, which is where the charges originated. I contacted XXXX and they told me they could not tell me about the charges, due to privacy laws. 

I called the police. The police assumed it was done by one of my XXXX cousins and asked if I wanted him investigated -- at that point, I had doubts that it was him, and said no I do not. So the police did nothing in my case and I had to investigate on my own. 

I eventually found that one of my ex-girlfriends had committed the fraud on XXXX by compiling a list of suspects I had, and using their information ( addresses, names, etc ) while over the phone with XXXX to overcome their privacy protection laws. 

I reported this information to the police who finally secured a trial against her, which she refused to show up for. A bench warrant was issued for her arrest, but it's been months now and nothing has happened. 

There has been no progress on this and TDBank, and XXXX have treated me with contempt on this. Please, if it's possible, I am looking for any assistance I can find.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I received two notifications from XXXX that two debt collections from a company called Capio Partners - XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx. XXXX were added to my credit report as collections ( one in amt of {$250.00} and other in amt of {$300.00} for Fl. Hospital ). I then disputed the information with XXXX as I had ever heard of this company or done any business with Capio Partners and requested collection agency provide proof of the original debt from FL Hospital or remove the items from my credit report. 
XXXX has provided me the results of my two disputed items above for Capio Partners who has indicated they verified proof of original debt and items remain on my XXXX report. Capio Partners has not provided me with any proof of the original debts with FL Hospital and can not verify the debts to me so they need to be removed from my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I APPLIED ONLINE FOR THE " XXXX XXXX  XXXX '' CREDIT CARD, WITH A $ {$99.00} ANNUAL FEE. I HAD A FOLLOW UP PHONE CALL WITH BARCLAYS BANK WHEN THE FEMALE CUSTOMER SERVICE AGENT RAN MY CREDIT REPORT WHILE I WAS ON THE PHONE, RESULT WAS XXXX, SHE IMMEDIATELY APPROVED ME FOR A CARD, {$25000.00} CREDIT LIMIT. I ASKED IF WE CAN LOWER THAT TO {$5000.00}, SINCE I AM GETTING THE CARD FOR THE XXXX  XXXX XXXX  BENEFITS, SHE AGREED AND LOWERED IT. I RECEIVED IN THE MAIL A " XXXX   XXXX '' CARD, NOT THE " PLUS '' CARD, WHICH DOES NOT HAVE MANY JET BLUE AIRLINE BENEFITS ASSOCIATED WITH IT. I HAVE MADE NUMEROUS ATTEMPTS WITH BARLCAYS BANK TO RECTIFY THIS ISSUE, THEY CLAIM I APPLIED FOR THE JET BLUE CARD, AND NOT THE JET BLUE PLUS CARD, WHICH IS NOT TRUE AT ALL. I AM TOLD I WOULD HAVE TO REAPPLY, AND HAVE MY CREDIT RAN ONCE AGAIN, WHICH IN TURN WILL LOWER MY IMPECCABLE CREDIT SCORE. SO, NOW I HAVE A CREDIT CARD THAT I NEVER APPLIED FOR.

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 2019-06-07 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: GREAT LAKES
State: GA

Complaint narrative:
My student loan was due XX/XX/XXXX and was set up to be drafted on auto pay. I had to take my son to the emergency room which resulted in unexpected expenses and not enough money in my checking account for the draft. On XX/XX/XXXX Great Lakes attempted to take the payment 4 times and then 4 times again on XX/XX/XXXX resulting in XXXX of NSF fees. By the time my direct deposit came through on the XXXX, I was missing over XXXX dollars for a XXXX dollar payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: IN

Complaint narrative:
In XXXX of 2018, my card was declined. When I contacted EPPICard   customer service, I was told that my account had been fraud suspended/closed and I would be able to order a replacement card as soon as the investigation was complete. Ive patiently waited, and called several times with no updates. I cant seem to order a replacement card and I am unable to access any of my child support payments for the past six months. Today, Ive spent over two hours on the phone with this company, and Ive yet to speak with anyone who can tell me anything. I have asked to speak to a supervisor and Ive been either hung up on, transferred back into the queue, or placed on hold. I cant seem to get any answers to my questions, nor can I order a new card to access my money that theyve not blocked me from accessing for over six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: NV

Complaint narrative:
I pulled my report only to find information reinserted that was not investigated. I have sent in the proper documentation which is my social security card and a recent utility bill and still the wrong address and information is showing on my credit report. There are 2 addresses that do not belong to me one. One being XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX, XXXX, XXXX. Equifax had removed the addresses and without any validation reinserted them back on my credit report. Equifax did not notify me by mail within 5 after the reinsertion nor was there any documentation sent to my home in XXXX XXXX. I just so happen to pull up my credit report and saw the erroneous information back on my report. I also know for a fact the reason Equifax keeps reinserting this incorrect information is because of the addresses that is on my report. XXXX pulls up the addresses and the addresses are linked to these credit cards that are not mine. I have asked for signed documentation bearing my signature and no one is willing to provide that. The bank of missouri is on my report 2xs, XXXX, XXXX and XXXX accounts that I have no relationship with. I am a authorized user on my sons credit cards which is XXXX, XXXX, and XXXX  XXXX and recently a XXXX card. Also there is comments on my credit report that I did not put there and I want them removed immediately! 

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the accounts and the needs attention comment on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with, or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Once again this is not a request to investigate, but to update, so I expect you to update my file as soon as possible and not the regular 30 day period youre allowed for disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation