vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-12 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: FL

Complaint narrative:
In XXXX I open a credit card account with XXXX XXXX, account # XXXX I ended up being laid off from my job and could afford the payments anymore, I tried to keep up with them but could not, XXXX XXXX   ended up charging this account off, and sending it to collections which they were paid for because they sold my debt! I ended up paying the collection company for this account back in XXXX. I ended up paying before it went to collections. 

The problem is this account has been paid and closed since XXXX and yet, XXXX XXXX XXXX is still reporting MONTHLY on my credit report XXXX, XXXX, XXXX XXXX, they are still reporting it as a charge off monthly and by LAW! They can not do that, and every month they are hurting my credit! This account should have stopped reporting back in XXXX when they were paid! 

Im not sure why XXXX XXXX XXXX is trying to ruin me and my credit, when I was able to open another account with them 2 years ago and I manage that account well no issues or payments ever being late. I have not had any late payments with any of my creditors since this and its hurting my credit it should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: FL

Complaint narrative:
In XXXX I open a credit card account with XXXX XXXX, account # XXXX I ended up being laid off from my job and could afford the payments anymore, I tried to keep up with them but could not, XXXX XXXX   ended up charging this account off, and sending it to collections which they were paid for because they sold my debt! I ended up paying the collection company for this account back in XXXX. I ended up paying before it went to collections. 

The problem is this account has been paid and closed since XXXX and yet, XXXX XXXX XXXX  is still reporting MONTHLY on my credit report XXXX, XXXX, XXXX XXXX, they are still reporting it as a charge off monthly and by LAW! They can not do that, and every month they are hurting my credit! This account should have stopped reporting back in XXXX when they were paid! 

Im not sure why XXXX XXXX XXXX is trying to ruin me and my credit, when I was able to open another account with them 2 years ago and I manage that account well no issues or payments ever being late. I have not had any late payments with any of my creditors since this and its hurting my credit it should not be reporting.

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 2019-10-12 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: FL

Complaint narrative:
There are numerous accounts and inquiries that are on my credit that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: FL

Complaint narrative:
There are numerous accounts and inquiries that are on my credit that aren't 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 non-monetary relief
Consumer complaint received 2019-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit Reporting Agency reported inaccurate information regarding an XXXX XXXX 30 day late XX/XX/2017 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 2019-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
XXXX XXXX paid off the medical debt. This account was removed from my credit report and now it appears back on there. I have received letters from lawyers regarding this account. I dont have a contract. And I have audio recordings documented of the conversations with the debt collocations agency. I dont have a contract as no contract exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
I borrowed {$900.00} from instaloan on XX/XX/2014. After making payments in the amount of approximately {$1200.00}, I ended up owing more than the original loan, I owed {$1000.00}. They've found a loophole to rip people off. They need to be closed down!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Credit Reporting Agency reported inaccurate information regarding an XXXX XXXX 30 day late XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: NY

Complaint narrative:
Credit Reporting Agency reported inaccurate information regarding an XXXX XXXX 30 day late XX/XX/2017 2017

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 2019-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is giving false information about a account that says by law it SHOULDVE been removed and it still showing on my credit report the investigation was estimated to be completed by XX/XX/2019 today is XX/XX/2019

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 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is giving false information about a account that says by law it SHOULDVE been removed and it still showing on my credit report the investigation was estimated to be completed by XXXX XXXX today is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
In XXXX of XXXX, we set up a monthly auto-pay from our checking account at BOA to our landlord for amount of {$1100.00}. In XXXX of XXXX, we stopped that auto pay from BOA and started it from another bank in our city. However, we continued to receive notice, from BOA, by email, of pending auto-pay, followed by a notice, every month, that we had insufficient funds to cover that. In XXXX of XXXX, we went in to a BOA branch in a near-by city. We requested to speak with the branch manager and a gentleman responded. We explained our attempts to stop the auto-pay, and requested he assist us with closing the account. He did some work on a computer in our presence, declared the checking account was closed, and issued a check for the balance to us. The monthly notices, per email, have continued to us and to the landlord. They are each followed, after 3 days, with a notice that our account has insufficient funds. In the 15 months since our visit to that BOA branch, these notices to us and to the Landlord, have continued, every month. We have made numerous calls to BOA, and have received email confirmation on more than one occasion, that the problem has been solved. It has not, and this failure by BOA to respond appropriately has severely damaged our credit rating. In the past year our credit score has dropped approximately 100 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: NC

Complaint narrative:
I opened a loan with XXXX XXXX in 2017. XXXX recently stopped processing payments for military members so another company called SST ( Systems Services and Technology ) handles the loan. I had to wait about 60 days to receive the new account information and I was charged a late fee even though I didnt have the information for the account and when I was finally able to login after getting the new account information I saw that that the loan balance was higher than the original loan amount. I recent made a request to XXXX  to delete XXXX XXXX  from my credit report as they were reporting no payment although my bank statements show the withdrawal from my account. SST has yet to update my account to reflect the correct amount as I have sent them my bank statements as well. I would like to report them as fraud and close this account as paid in full due to neither company able to provide me correct information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have asked the debtor ( Navient ) in writing to cease all calls. Navient still calls me after I have wrote in writing not to. They calling me before XXXX. I received several calls from them. XX/XX/2019 first attempted call of the morning, was at XXXX first law they're breaking. They kept calling all day about 3 times. Twice on XX/XX/XXXX. Once on XX/XX/XXXX and once on XX/XX/XXXX. The numbers they are calling from are XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. They also keep emailing me. This is starting to get annoyed. They keep harassing me. I do have rights under 15 UCS 1692d ( 5 ), 15 USC 1692c.a ( 1 ), 15 USC 1692 ( c ) ceasing communication. 15 USC 1692g.a ( 5 ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My amazon store card by Synchrony Bank has charged security fee without my permission/authorization. I never late to do payment and when I decided to cancel the protection there is no refund fee to my account. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash App is holding my Bitcoin hostage. I had {$10.00} worth of BTC transferred into my Cash App wallet, that I initially purchased from them, from an outside wallet. The blockchain is showing 118 confirmations so I can't reverse the transfer. This is 24 hours after the transfer was initiated that the transaction is still showing as pending in Cash App. I have tried writing their customer support several times but have heard nothing back. I just want them to either put my BTC in my wallet or reverse the transaction so I can have access to my BTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: LEXISNEXIS
State: SC

Complaint narrative:
XX/XX/2019 I written a letter to the courts regarding disclosure of my personal information and was advise by the courts that no such thing has taken place on their behalf. I then sent the letter from the courts to Lexis Nexis certified mail on XX/XX/2019, which stated my personal information was not disclose to no parties. I requested an explanation from the company so that I can have the information removed from my credit report as its affecting my life tremendously. I have not heard from the company and its been 30 days since I reached out to them. Please help with this matter. 

Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Complaint in re : Ally Bank auto loan. Ally loan balance is incorrect. I have called a number of times to report this matter with Ally and request the correction to no avail. 
I am trying to purchase a home in the next 6 months but these issues continue to plague my credit. 

On a separate issue, I have previously written Ally Bank and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file. 

Finally, I provided Ally Bank with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of Ally 's refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.

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 2019-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
an individual whom I allowed entry into my house stole my debit card and misappropriated my funds. I reported this to my bank and they cancelled the card gave me a provision credit for the transactions that were disputed and issued a new card. Then a month later the bank sends me an email that says one thing though on the phone the say the opposite. On the phone they say that they are holding me liable for the transactions with the stolen card and they even went as far as withdrawing the full amount of the theft in other words XXXX dollars from another account i held with them without even doing a good faith investigation. I hired an attorney and the bank wont even let her talk to them. they provided an email which they won't respond to. my bank stole my money and I have gone through the discolsures and agreement carefully and they are in breach of their agreement that they must follow. further because they are playing dirty and simply do not want to accept thta they ar ein the wrong and re breaching the customer agreement and discosures they TERMINATED my banking relationship with them and restricted my account so i can't use it. FOUL

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
sent two first class mail letter asking for hard copy of credit report from Equifax inc.Last letter sent XX/XX/XXXX, also phone twice XXXX XXXX XXXX XXXX .report never received.my name is XXXX XXXX born XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX phone number is XXXX XXXX XXXX my email XXXX .lived this address since sometime XXXX.i was told to not use middle name to prevent I d theft. please have Equifax send credit report .XXXX XXXX and XXXXXXXX  contacted same day as Equifax sent credit report.i need to correct some data on their report. thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Google Compare Credit Cards Inc.
State: IA

Complaint narrative:
Google is working with developers of online games which are supposed to be free to play games to force players into giving personal financial information to gamble money to play these games. Google ignores complaints by consumers concerning bogus offers by game developers and even goes hand in hand with developers to force players to pay real money to continue to play. This should be looked into by sending employees into the play for free games which have turned into pay to play games. There are examples of being locked out of games until the player pays real money. Only bank and personal financial accounts are acceptable to play and personal bank information is expected. Copies of this will be edited and forwarded to proper organizations and authorities. 
XXXX XX/XX/2019 2019

Company response to consumer: Closed with explanation