vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: J & B Endeavors, LLC
State: NE

Complaint narrative:
On XX/XX/XXXX I enrolled in the Student Loan Movement plan. On XX/XX/XXXX I requested information regarding my payments and student loan status. I received no response. On XX/XX/XXXX I contacted XXXX to find out that my principle balance had not been affected and that my payments were not be credited for the public services loan 120 payment plan because paperwork was still needed. I completed the annual recertification and changed my passwords to my student loan accounts online. 

The same day, XX/XX/XXXX, I contacted the customer service number to Student Loan Movement to cancel my plan. I spoke with a man by the name of XXXX, who informed me that he would be contacting XXXX to tell them that I do not qualify for the income based plan or that I didn't want it. XXXX stated that he would be sure to have my payments increased to at least {$400.00} a month. During this conversation, I requested that all payments be stopped from withdrawal of my account and specifically stated that I give no one but myself permission to access any of my student loan accounts. XXXX continued to threaten me saying that he was going to contact them and increase my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: MoneyLion Inc.
State: GA

Complaint narrative:
Per agreement with XXXX on XX/XX/19 this company was suppose to remove all late inquiries to my credit report. They still continue to report this account late. I got an alert from XXXX last week and XXXX  today that they have reported 3 late payments and are still updating this account as LATE. I am attaching the agreement that outlines that these late payments are to be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: MoneyLion Inc.
State: GA

Complaint narrative:
Per agreement with XXXX on XX/XX/19 this company was suppose to remove all late inquiries to my credit report. They still continue to report this account late. I got an alert from XXXX  last week and XXXX  today that they have reported 3 late payments and are still updating this account as LATE. I am attaching the agreement that outlines that these late payments are to be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
In XX/XX/2015, my credit card ( JPMCB CARD ) incorrectly reported me delinquent for the next 4 months due to their transition to online accounting. I was not using this card and did not have any charges on it. The yearly fee for the card was posted to my account but statements were not being sent to me. I had other accounts with this company that were current and fine. I realized I was " delinquent '' in XX/XX/2015 and closed this unused account. It turns out they stopped paper statements and transitioned to email statements. They had my email address incorrect but did not contact me to make sure this new way of statements was working. No statements were being received by myself and multiple delinquencies were posted on my credit history. I have no other history of delinquencies. I tried resolving this issue with JCMCB to no avail. Can you please help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 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: TX

Complaint narrative:
I have a problem with this credit bureau for years and having a issue disputing 3 items on my credit report ... Those items are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didnt open these account at all or do business with them and I send in a vaild police police ( FTC )  and Experian didnt remove it off my file and I have to wait 30 days again and few reps were rude to me and told me I have to talk to the creditors which I did and they told me they send in the information to Experian and the other two bureaus

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 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: MoneyLion Inc.
State: IL

Complaint narrative:
This account back on XX/XX/XXXX was showing as closed account, Now it is showing as an open account and i was not notified of any update to this account stating it would be reopened. I am supposed to be notified in writing 5 days before that this account would be shown as open and readded to my credit report. Now it is showing 21 late payments when back in XXXX it was not showing any at all. Why is this company readding information and re opening this account status and i was not notified before hand. This company in the past has been known to report inaccurate data and no one will remove this account off my report because of that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS DEPT OF EDUCATION/XXXX  XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine DEPT OF EDUCATION/XXXX   XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine U S DEPT OF ED/XXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine XXXX XXXX XXXX XXXX not mine PXXXX  XXXX XXXX XXXX not mine

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 2019-11-04 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: CA

Complaint narrative:
EQUIFAX IS A SCOFFLAW REGARDING THE FCRA AND MANY OTHER LAWS OF THE USA.I AM SUING EQUIFAX IF THEY DO NOT PAY ME DAMAGES OF {$10000.00} WITHIN 5 DAYS OF RECEIPT OF MY DEMAND. 
DEPT OF ED LOAN, ACCT XXXX IS NOT MINE, YET EQUIFAX HAS VERIFIED IT MORE THAN 10 TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNT XXXX  XXXX never late DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX  XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX  XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX  CC XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine COLLECTIONS 08 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX  XXXX not mine

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 2019-11-04 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: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/2019, I received a refund from paypal that was sent back to a debit card with XXXX XXXX. ( An account which I had closed prior to this transaction ) not knowing that I was receiving said return. The amount was XXXX. On XX/XX/2019 at XXXX XXXX XXXX XXXX issued the XXXX back to PayPal because the XXXX XXXX Account that I had with them was closed. 
Paypal is refusing to return my money to my Paypal balance, and is claiming that they do not have the money XXXX XXXX sent back to them. 
Ive called and even 3 way called both financial institutions and nobody is claiming that they have the money. Ive tried numerous times to remedy this situation, but I have been unsuccessful in doing so. 
Id like this company to step in and see where my money is, and make either financial institution issue my funds immediately. 
Thank you for your time regarding this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received my bill from Care Credit ( Synchrony Bank ) and I thought it was too high. I called the number on my bill and was told they couldn't tell me. What? I have never had a credit card that was unable to tell me what I charged! 
I was told to call the merchant but they didn't know who that was! I tried to get on their website, but just went in circles. Now I am afraid to pay it off after this experience.

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 2019-11-04 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
We had a company. My wife over saw the office, she was diagnosed having XXXX. that was about 20 years ago. My wife is on XXXX.. I was out in the field. We sold after 40 years not by choice. I XXXX  my XXXX  in 1997 XXXX took about 3 years to get on my feet. Now im on XXXX. My mortgage was XXXX  XXXX  then sold to XXXX XXXX who just sold to Shell point MTG. 
I have as of today not received any notification that I was getting a new mortgage company, final notes about the account. 
All of s sudden I have the new company, No notification nothing. So in the transition i seem to have lost a payment or so now my account seems non retrievable. My main reason for getting behind was i XXXX  my XXXX  then XXXX  my XXXX  XXXX  completely. XXXX, XXXX, XXXX this year i had 2 major XXXX  which left me XXXX XXXX.. Im trying on my end slowly but im not in fighting node to dig thru piles to locate payments. 
I know what my conversation was with XXXX XXXXXXXX when i made my last payments. 
I dont know my account number with the new company Please help XXXX 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 2019-11-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CORELOGIC INC
State: FL

Complaint narrative:
I will try my best English : Few weeks ago I could recover from my computer 2 web pages from my home of 24 years : an AVM CORELOGIC Appraisal. In the morning of the XX/XX/2009 the price of our home was {$200000.00} and in the late Afternoon the price was {$180000.00} a drop of {$21000.00} in one day. Before I discovered this problem, XXXX XXXX  give me a HELOC account with {$60000.00} so I start construction in the home and on my business building. Shortly after this story XXXX XXXX close our HELOC account and I could not even pay the construction company. I am sure that XXXX was confused by this numbers and I think the HELOC closing was correct. CORELOGIC will not give me the answer why this happening and I finally run in the Foreclosure and lost my home of 24 years after 7 years in the court, because I could not find the proof what I now recovered. CORELOGIC refer the answer to the lender in my case : XXXX XXXX  who is out of Business. I am asking to recover my {$190000.00} of my home from CORELOGIC. This is not the first time CORELOGIC make internet mistakes and the Banks believe in this AVM System. I also have to ad, that at XXXX   XXXX XXXX XXXX XXXX was responsible For the CORELOGIC Internet. XXXX XXXX XXXX XXXX and CORELOGIC announced the formal separation of the two companies XX/XX/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 2019-11-04 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: TX

Complaint narrative:
I have repeatedly contacted TD Bank requesting they assist me in disputing 4 unauthorized charges made by XXXX backup service. TD Bank has ignored my calls and letters and have refused to respond to my letters. The data backup company XXXX has made enormous charges to my Cashback credit card for charges I did not make or authorize and I find fraudulent. 
Without a response to my letters and despite my continued dispute with XXXX, TD Bank closed my dispute. XXXX has no answer for me and will not compromise. 
My original purchase with XXXX was for {$19.00} for a two year subscription for XXXX backup service for my personal PC and laptop with hard drives of XXXX. 
XXXX is trying to convince me I have a server farm here at my home and I am using untold amounts of data. 
I want to continue to prosecute this dispute with both TD Bank and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

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 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
they are reporting a Delinquent Account but i'm in good with the company i think the report is on my son we are at the same mailing address XXXX XXXX XXXX XXXX XXXX XXXX kansas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: TX

Complaint narrative:
I disputed few items of my Equifax report and it wasnt taking off my report and I believe they havent received the documents to remove the account and Ive been waiting for over 30 days and each time I call a overseas Equifax customer care the line will be disconnected few times on purpose and each time dispute the item it would take longer than 30 days to dispute it ... 

The items are currently in dispute are XXXX XXXX XXXX XXXX And XXXX XXXX   And I have a copy of the FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: IL

Complaint narrative:
This account back on XX/XX/XXXX was showing as closed account, Now it is showing as an open account and i was not notified of any update to this account stating it would be reopened. I am supposed to be notified in writing 5 days before that this account would be shown as open and readded to my credit report. Now it is showing 21 late payments when back in XXXX it was not showing any at all. Why is this company readding information and re opening this account status and i was not notified before hand. This company in the past has been known to report inaccurate data and no one will remove this account off my report because of that

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