vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello hows it going, My name is XXXX and i am trying to see if someone can assist me as i am trying to get a mortgage loan for my family to get them out of a bad area we are in. My only issue is that closed XXXX auto loan account is reporting a late payment inXX/XX/2016. I don't know of this is incorrect or factual but i am asking out of good faith for help in the removal of this remark as the underwriters are giving me problems and want to stop the loan because of the late payment i have showing. Please help me as much as possible as you can see i paid every other payment on time and satisfied the loan completely as well early. Making payments was never an issue it could have been an overseen mistake or that i was sick in the hospital dealing with my wife being pregnant and many complications. Please advise, thank you and XXXX bless. 
XXXX Account # 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 2018-05-22 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: AL

Complaint narrative:
I have contacted Transunion, XXXX, and XXXX via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX XXXXXXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. 

Also it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from XXXX on XXXX-XXXX-18 and nobody called to confirm if I was opening up a new account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: AL

Complaint narrative:
I have contacted XXXX, XXXX, and Experian via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX XXXXXXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. 

Also it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from XXXX on XX/XX/XXXX18 and nobody called to confirm if I was opening up a new account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
On my credit report I have a collection debt of {$590.00} from the company XXXX XXXX it says the account was opened XX/XX/XXXX so its been open for a year and 3 months. The original creditor is XXXX. I was never told it was going to collections and its affecting my credit score. I would like it removed. I havent had a XXXX account since XXXX so i dont know why its still on my credit report. I also have a complaint with XXXXXXXX XXXX XXXX. and I have a collection debt of {$350.00}, it says the original creditor is XXXX XXXX XXXX XXXXXXXX. I have never in my life heard of this creditor called XXXX XXXX XXXX XXXXXXXX so I dont really know why its on my credit report also. this has been on my credit report for 2 years and 5 months I would also like this off of my credit report also.

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 2018-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
A claim in the amount of XXXX was reversed out of my account ending in XXXX on XX/XX/XXXX, causing it to become overdrawn the amount of XXXX. This is an ATM debit claim from XXXX XXXX XXXX. Prior to this, a close out check in the amount of XXXX was mailed out on XX/XX/XXXX, received in XX/XX/XXXX. A stop payment was placed on it, unknown to me, which caused my XXXX account to become overdrawn and a total of 14 overdraft fees assessed in the amount of XXXX each plus a returned check fee in the amount of XXXX. The total amount of fees is XXXX, XXXX will not refund these as it is not their error, Capital One will have to refund. A replacement check was sent out on XX/XX/XXXX, the day I left for vacation, I left for XXXX XXXX from XX/XX/XXXX to XXXX. It appears someone intercepted this check, forged my name and cashed it. A manager by the name of XXXX gave information on the person whom signed and cashed it, a XXXX XXXX using a XXXX XXXX XXXX. I do not know this person and am not familiar with this bank. I've been calling Capital One since XXXX, attempting to get a resolution for missing funds and fees owed to me, nothing resolved to date. I have a name of a contact, XXXX XXXX, I've left a total of seven ( 7 ) messages for her to date. According to her reply to a prior CFPB complaint, she can not or will not return calls while complaints are in process. She has not returned calls even after prior complaints closed out, it appears she simply will not return calls. I've contacted an attorney about this matter, was advised that I should file suit. Based on tort law, if Capital One had not placed stop payment in error, the overdraft fees would not have occurred as well as returned check fee. The second replacement check would not be necessary, which was cashed fraudulently. The account is now over drawn XXXX as mentioned prior, Capital One can deduct this amount from my claim in the amount of XXXX which includes fees in the amount of XXXX plus check amount of XXXX. After all is said and done, the total due to me is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On or about XXXX I sent Transunion a request to remove a dismissed Bankruptcy they did remove the inaccurate Dismissed Bankruptcy that was reporting to my credit. They then added it back with out notification. This Bankruptcy reads a XXXX $ balance and dismissed.

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 2018-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I was on the rate reduction plan with the company and it was time to renew. I have been paying XXXX but struggling to do so. They asked for both me and the co-borrower information and we submitted it and they said we had a deficit in income so we didn't qualify for plan. Then I asked what does that mean, and they were like higher payment. I was like that is impossible if we have a deficit. They then asked for bank statements. We had recently got some payday loans to try and help make ends meet and make all our payments. Well because they so deposit from those funds they felt like we had income, without even looking at all payments and monthly bills. We submitted documents showing how much those payments were for and they still said they could not reduce payments. We are currently having a hardship and don't understand how an we make a payment if we sent you paystubs and you said we couldn't afford to make a payment. But because they saw loan proceeds to pay our bills that we currently make a payment on, they assumed we have money. They have not been the easiest to work with, and I have been told oh, there are not options for Private loans. We are at risk of losing everything at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: OR

Complaint narrative:
On XX/XX/XXXX I found that I was the victim of identity theft and I did not recognize the debt on my credit report. Upon researching my credit report and speaking with Perfection Collection and XXXX, I was able to find out a person that shares my same name had a debt with XXXX XXXX XXXX. A person with my same name in XXXX, XXXX did not pay {$2400.00} ; XXXX charged off the debt to a third party collector. The third party collector was Perfection Collection LLC. 

At that time, Perfection Collection LLC erroneously applied my social security number to the debt. I only share the same name as the responsible party. 

Since XX/XX/XXXX I have been in contact with XXXX and Perfection Collection LLC without a satisfactory resolution of this incorrect debt. 

I did not sign up for that account, that debt is not mine, and I am not legally liable for the debt. However, because of Perfection Collection LLCs mistake and XXXX inability to fix the originating account ; I have had a negative credit impact. It has negatively affected my credit score and my ability to make credit decisions. 

I have also tried to supply sufficient evidence including my driver 's license and employment verification that this is not my debt. Neither company has been able to resolve the situation. Perfection Collection LLC sent me a copy of the XXXX contract. It is clear that it is not my signature. This has not been solved by either XXXX or from Perfection Collection LLC. Both of these companies are responsible for having wrongly applied this debt to my credit report, and not sufficiently fixing it. 

I have asked both companies for a letter stating that this is false so I can submit it my credit reports. They have failed to do so. 

Third party collection company Perfection Collection LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX phone : XXXX and the originating creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: IL

Complaint narrative:
XXXX CFPB Ref No : XXXX -- -> Please Note : XXXX XXXX notified me in writing, dated XXXX, that account -- XXXX is not reported by them as it is not my account ( see attached ). -- - ( If they offered me a new {$5000.00} limit account in my name - I would ask how soon ). 
Equifax said " they are still working on it. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have never lived in this place, XXXX XXXX XXXX has harrased me for several years now regarding this, saying I owed them over $ 4K, this is FALSE. The last time I lived in an apartment was back in XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX in XXXX CA and XXXX XXXX - XXXX XXXX CA. This is what the background check claim I lived in. 

Name : XXXX XXXX XXXX / Name : XXXX XXXX XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX City : XXXX State : CA Zip : XXXX County : XXXX Phone : 0 Duration : from XX/XX/XXXX through XX/XX/XXXX They totally missed that I owned a home in XXXX CA XXXX then! Please help me CLEAR this mess up.

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 2018-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
XX/XX/XXXX I have sent out certified letters disputing the errors on my credit report. 
asking for proof that I owe debt. and to show me the validity of debt.. 
XX/XX/XXXX they sent me letter saying i am aware they represent doctors that they confirm theres an outstanding balance with no further information like i requested. 
except a bill. 
XX/XX/XXXX I send a second letter Stating that is not enough that I have rights and i have given them over 30 days to remedy situation. Since they can not give proper validation to remove from my credit report. 
XX/XX/XXXX they send me same letter in response. That I am aware they represent doctors. and they have confirmed it is valid and i am aware the balance is outstanding. 
I have disbuted with credit bureas the credit bureas are not doing proper investigations I make phone call to the agency regarding this and ask to remove. 

XX/XX/XXXX they send me yet another letter same as the others. I am aware they represent doctors. the debts are outstanding ... ..they are also over 5 years old They were my fathers he passed away. I have also told the statutes of limitations are over please remove. there are many resons to remove from my credit report 1 not mine i have not lived in florida since XX/XX/XXXX 2. they will not send me proper validation or anything which i lsted in attached letters according to facta FDCPA Fair Credit Reporting Act Violation of Fair Debt Collection Practices 3. statutes of limitations are over. 

I tried calling the agency on bill they had no records and would not speak to me due to HIIPA laws

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 2018-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My boyfriend wanted a French bulldog, he found one on  XXXX. I was skeptical but due to the fact his birthday was on XX/XX/XXXX, I gave in. On XX/XX/XXXX I initiated the payment for the French bulldog on Chase XXXX XXXX for {$400.00} then an addition {$200.00}. The price of the dog was {$600.00}. I am a XXXX  and keep cash on me. I had {$400.00} in my bank account and had to go to the ATM to deposit the rest of the funds. Following the payment the seller sent me a tracking number which seemed to look legit however when I called the agency that was supposedly shipping the dog it was a XXXX  number. I told my boyfriend, but he still wanted to follow through. As the dog supposedly had reached XXXX XXXX XXXX airport being flown from XXXX the agency shipping the dog emailed me saying they needed {$550.00} for an AC ventilated crate. The dog could not fly without it and upon the dogs arrival I would be refunded my {$550.00} back. I sent the {$550.00} and have not heard from the agency nor seller. I called the seller numerous times to now figure out he was calling me off of a XXXX XXXX app number. He always answered the phone so Id never heard the voicemail. I went inside the bank report fraud and the bank representative I talked to called the claims department. I was told that XXXX does not have buyers protection so there is no way I can get my money back. The banker still told me to file a claim so its on record and to see what they said. I filed and they talked to the sellers bank but he had already closed the account so they could not recover my funds. I was left with no solution of getting my {$1100.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i submitted my information to equifax via fax at XXXX and XXXX on XX/XX/XXXX. I called back to verify twice to make sure my documents were recieved and processed on XX/XX/XXXX. Rep verified and retrieved the docs i submitted and told me my information was not processed as of yet with no real reason. SHe verified that equifax had got it on XX/XX/XXXX. I called back on XX/XX/XXXX to inquire about my updated reports and rep explained to me that my information was never processed from the mail room. I requested that all the information i disputed need to be deleted cause the 30 day window had expired to do so. They said they not allowed to do that even though my rights under the FCRA has been violated. I checked back with equifax on XX/XX/XXXX and still nothing has been resolved. I am requesting that the information be deleted due to negligence and violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: WA

Complaint narrative:
RE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX PROBLEM : XXXX XXXX was recording this account to all 3 credit bureaus XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX then the credit card number was reissued due to Lost and thereafter all of the information disappeared from all three credit bureaus and was never reported with the new credit card information and payments applied however XXXX  XXXX is now claiming that they have continuously reported the new information to all 3 credit bureaus since then that is XX/XX/XXXX however none of that information as shown up on any of the three credit bureau report associated with my name and social security number even though that information has been verified by XXXX  XXXX and the three credit bureaus yet nobody can solve the problem why it is not appearing and being reported on my credit bureau reports. I have noted online that there are several other XXXX XXXX credit card holders experiencing the same problem and that is not just me so this must be some kind of it either an engineering problem or some kind of a scheme going on to manipulate consumers. The following is an excerpt from my 3 Bureau credit report from XX/XX/XXXX the last report that this account was reported to all three bureaus : Account Name XXXX Balance {$580.00} Credit Limit {$750.00} Usage 78 Type REVOLVING Status Current Opened On XX/XX/XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 78 % Balance {$580.00} Balance Updated XX/XX/XXXX Credit Limit $ 750 Monthly Payment {$25.00} Past Due Amount - Highest Balance {$780.00} Terms Revolving Responsibility Individual Your Statement - Comments Account was in dispute-now resolved-reported by subscriber Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation