vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 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: Lending Club Corp
State: MI

Complaint narrative:
I have a loan with lending club and have been paying on it regularly on time and I have had open since XX/XX/2016. I had automatic payments set up on this account since starting. In XXXX I received notice that my account was more than 90 days late. I made contact with Lending Club and they apologize for the error only to report me late AGAIN in the XXXX when my account is current, showing me 120 days late. I have spoken with multiple representatives who have all given me different answer to when this issue will be fixed and also were very rude and disrespectful. I will also be submitting a compliant with the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: FL

Complaint narrative:
I don't have an XXXX loan with XXXX Empoyees I am XXXX They keep reporting a loan that is 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 2019-04-26 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: ACS Education Services
State: GA

Complaint narrative:
Conduent, formerly ACS, was a servicer on one of my student loans. When I consolidated my loans with the Dept. of Education, ACS was paid in full. However, they reported that they were not paid and were attempting to collect the debt through collection attempts. When I contacted the Dept. of Education, they informed me that ACS was paid in full and should not have attempted to collect the debt and needed to correct my credit reports. Then I contacted the Ombudsman Dept. who also stated that the loan was paid in full in XXXX of 2014. Although the Dept. of Education showed that the loan was paid in full, ACS refuses to correct my credit report ( late payments, delinquencies ) and it is impacting my credit. I have attempted to resolve this issue with them on multiple occasions without any success. Even though the Dept. of Education and the Ombudsman Dept. informed them that they were paid in full, they still refuse to remove the credit inaccuracies. I need assistance with this matter as I am attempting to purchase a home and it is impacting the lender 's decision. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
This account is not valid and needs to be removed from my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I saw my credit reports after being denied credit several times. There are many inaccuracies on my credit file. Account that are not mine, many incorrect names, socials etc. 
I have been disputing these errors with XXXXXXXX and Trans Union and have gotten no response nor results. It has been over 90 days and they continue to ignore me. 
My character has been defamed at the errors in reporting on my credit files. 
Please Help Me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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:
Earlier this year, I complained to CFPB about Experian NOT properly updating my debt report. Experian claimed they were at fault and raised my Fico score to XXXX on XX/XX/2019. Then 5 days later XX/XX/XXXX, they did an update and my debt report was at {$360.00}, ( {$250.00} XXXX XXXX and {$110.00} XXXX XXXX ), new balance which is 7 % credit utilization. Credit bureau like to see 6 % and under. Experian dropped my Fico score by 2 points. On XX/XX/2019 debt report, Experian DID NOT properly update my debt report. My info I received from XXXX XXXX and XXXX XXXX is {$86.00}, THE COMBINED NEW BALANCE for XXXX, which is 1 % credit utilization. They still used FEBRUARY`S XXXX XXXX of {$250.00} and {$13.00} XXXX XXXX. Experian did get XXXX XXXX correct but NOT XXXX/XXXX. balance, which equals a total of {$260.00} which a WRONG TOTAL for XXXX. I expected my Fico score to go up for my hard work on keeping a small balance of {$86.00}. My XX/XX/2019 DEBT REPORT with info I received from XXXX and XXXX/XXXX  is {$190.00} which is 3 % credit utilization. THEY STILL USED FROM XXXX XXXX/XXXX  {$250.00} OLD BALANCE. Now this is 2 months in a row Experian DID NOT properly update my debt report and I am way below the 6 % they like to see. I saw this error back in XX/XX/2019 but I gave Experian the opportunity to fix this but they FAILED, AGAIN. I tried to do an on line dispute with Experian but it seems like anybody is allowed 1 time dispute for a lifetime which this is why I am contacting CFPB. Experian management is NOT doing their job doing properly training of their people. All this is, that nobody is NOT PAYING ATTENTION TO THEIR WORK, which is resulting in debt report ERRORS. Experian did report ERRORS on me ( retired senior citizen ) 3 out of 4 months for the year of 2019. This is extremely unacceptable.

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 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc.
State: IL

Complaint narrative:
THIS ACCOUNT HAS BEE REMOVED BY MERCHANTS AND MEDCAL ON XX/XX/XXXX AND NOW HAS BEEN SOLD TO THIS COMPANY AND HAS REAPPEARED ON MY REPORT WHICH A VIOLATION OF THE FCRA AND FDCPA, ... .MERCHANTS MEDCAL HAS PLACED AN " Account has been validated note '' ON MY CONSUMER FILE THEN SOLD THIS ACCOUNT TO THIS NEW COMPANY, M & M CREDIT INC .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: GA

Complaint narrative:
Back in XX/XX/2019, I disputed an inaccurate account on my Transunion Credit Report which is hindering my scores and my process to purchase a home. They are reporting a Chapter XXXX Bankruptcy on my credit file. They sent me back a letter stating that the information was verified by the USBK COURT OF XXXX XXXX. However, when I sent a letter to the USBK court asking their procedures on verifying or furnishing information to Transunion. The Court sent me a letter back stating they DO NOT provide information to credit reporting agencies. 
Furthermore, I have provided examples on where appellate courts have found the use of automated or XXXX verification or legally referred to as 'Data Conformity Review ' of a disputed debt is unreasonable, illegal and in violation of the Fair Credit Reporting Act. 
So now, the question becomes how did Transunion verify an account that is inaccurate at the very least? 
I ask that Transunion remove this inaccurate information and account from my Transunion credit report.

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 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am a victim of identity theft. A discover credit card was open using my name and personal information, at no time did I have or apply for a Discover Credit Card. I Immeaditaly notified the credit reporting agencies and Discover bank when I notice this fraudulent account. Numerous of times I have disputed this fraud account and wrote letters requesting that all documents, such as credit application transactions and activity related to this account be sent to me. I have filed a police report with the XXXX Police Department DC # XXXX and also the federal trade commission. I have taken all steps to correct this fraudulent account and I am still requesting that Discover send me those documents.This fraud account needs to be corrected at no time did I open this account and it is against the law to report fraudulent activity that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
The results of this complaint will be shared with the House Oversight Committee. 

XXXX XXXX has been harassing and defaming me. They have refused to follow federal law regarding quality of goods and services purchased with a credit card. 

They have defamed me and falsely claimed that they received defamatory information from XXXX, which they did not. When confronted with that lie, they claim that they had a duty to report negative information -- still NO BANKRUPTCY EXISTS so that is defamatory in and of itself. 

These are things they and CFPB will need to answer in the coming hearing on why the CFPB is not doing its job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: UT

Complaint narrative:
XXXX XXXX claims I have been 100 + late on payments but I have been in school the entire time. I got my XXXX XXXX now I'm getting my XXXX. When in school your loan can be deferred and it shows on my credit mine wasn't and still isn't in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: GA

Complaint narrative:
XXXX, formerly XXXX, was a servicer on one of my student loans. When I consolidated my loans with the Dept. of Education, XXXX was paid in full. However, they reported that they were not paid and were attempting to collect the debt through collection attempts. When I contacted the Dept. of Education, they informed me that XXXX was paid in full and should not have attempted to collect the debt and needed to correct my credit reports. Then I contacted the Ombudsman Dept. who also stated that the loan was paid in full in XX/XX/2014. Although the Dept. of Education showed that the loan was paid in full, XXXX refuses to correct my credit report ( late payments, delinquencies ) and it is impacting my credit. I have attempted to resolve this issue with them on multiple occasions without any success. Even though the Dept. of Education and the Ombudsman Dept. informed them that they were paid in full, they still refuse to remove the credit inaccuracies. I need assistance with this matter as I am attempting to purchase a home and it is impacting the lender 's decision. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Metro Collection Service Inc.
State: VA

Complaint narrative:
XXXX XXXX and a XXXX moving company is seeking payment in full for services that were not rendered according to contractual agreement in XX/XX/XXXX. 
They have retained the services of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, Building XXXX, XXXX XXXX ; XXXX, CO XXXX ; Phone : XXXX XXXX ; Fax : XXXX ; Direct Dial : XXXX ). 
These services were brought to my attention after I'd moved from Colorado in XX/XX/XXXX, and after having sought to settle the invoice via multiple emails, phone calls, and attempts via the web info source. I have kept all voicemails, emails, and other records of attempts to mediate. The last attempt that was made by XXXX XXXX   XXXX XXXX XXXX was through customer service agent XXXX ( no last name known ) at ( XXXX ) XXXX on Wednesday, XX/XX/XXXX at XXXX MST, where he indicated that he'd received my most recent voicemail, and said " ... the situation does seem like it's a little bit out of my area, so what I'm gon na do for you ma'am is I'm gon na pass this along to my manager so you can speak with him about that and I'm pretty positive he's gon na go ahead and get you figured out, but I did wan na leave you a voicemail to know that we are aware of the situation. I apologize on behalf of the company for how your move went. '' There was no further attempt on behalf of XXXX XXXX XXXX XXXX XXXX to resolve the invoice, and no further replies to any emails or phone calls made by me to them. 

At the end of XX/XX/XXXX, a letter was forwarded to my new address in Virginia indicating that my invoice had been sent to collection in care of account manager XXXX XXXX of Metro Collection Service in XXXX, CO. Upon contacting them, they informed me that XXXX XXXX XXXX XXXX XXXX refused any further attempts to settle the debt outside of collection. 

The invoice was questioned due to the movers showing up late, without packing materials which I then had to go purchase at a hardware store, taking 5 hours longer than invoiced, staining carpets, and smoking marijuana on the property. 

This is an unjust attempt to collect a debt that is not owed. 

XXXX, XXXX XXXX United States XXXX, Retired XXXX XXXX XXXXr Deployed to XXXX Please contact via email at XXXX or at my company email XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I made a purchase from XXXX where I was buying a prep course on XXXX XX/XX/2017 in the amount of XXXX. The course was not as described and I provided documentation ( emails ) from the vendor describing the total price of the course and the purpose of the course. Following this review class, XXXX significantly updated the class since it was horrible. So I attempted to dispute the issue with Chase, but the vendor said I only purchased books. I provided additional documentation that I already purchased the books and Chase denied the charge back. I have made several attempts to get my money back but neither the vendor nor Chase is reviewing the documentation. Chase should have reviewed the information I provided. Why should the customer be responsible if the company sells a product but delievers a different one. Then they dispute what they sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: FL

Complaint narrative:
I don't have an XXXX loan with XXXX XXXX  I am grrr They keep reporting a loan that is not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have disputed a credit account Portfolio Recovery Services 3 times in the last 3 months with the Consumer FInancial Protection Bureau. Portfolio Recovery Services has lied each time and said they were unaware of the dispute of this account and each and every dispute complaint is on file with the Consumer Financail Protection Bureau records. I also have spoken to two seperate reps on a recorded line in XX/XX/XXXX explaining the account is not valid- This alone shows that Portfolio Recovery Services is no honest in its collection practices. 

Secondly, I request copies of debt validation. Portfolio Recovery sent a document supposedly they have from the previous creditor dated XX/XX/XXXX with the address of XXXX XXXX XXXX and the letter dated XX/XX/XXXX was mailed to another address which does not belong to me. Portfolio Recovery forged this letter of collection because there have filed this claim to this debt illegally. Please provide detail on where this address was found and why you use this address. 

Also the debt letter that Portfolio Provided from the previous creditor has the amount of XXXX but the the final bill, which I deny is my account has a balance of XXXX. Can Portfolio please provide details on the accounting records for this account. How did they calculate the balance owed? 

Please provide the answer and response with in 15 Business days as this is a formal request- I believe that Portfolio has violated my FCRA and FCDPA rights and are in violation of multiple laws

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: AES/PHEAA
State: FL

Complaint narrative:
On XX/XX/19, filed a dispute with XXXX regarding the XXXX XXXX  payment history not reporting correctly. On XX/XX/19, XXXX  sent results stating the investigation was complete and they verified with the XXXX   XXXX that the data was reporting accurately as " in deferment '' However, XXXX refuses to report those months as " current '' on my credit report. 

I called XXXX XXXX  on XX/XX/19 and requested a letter that would include the payment history. I was told that the letter would take several weeks to receive. XXXX XXXX verified via phone that they submitted the data to the credit bureaus for the months that I was " in deferment '' as current. 

XXXX refuses to update my credit file. I am still awaiting the letter from XXXX XXXX to send to the credit bureau and will forward the letter from XXXX XXXX when I receive it. If XXXX does not update my credit file, I will exercise my rights to file a law suit against the company for inaccurately reporting this account on my credit file. 

I am attaching a letter from XXXX XXXX regarding the forbearance letter stating that interest is still accruing on my loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: IN

Complaint narrative:
I have contacted Experian multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Experian in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Experian, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Experian and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Experian was reporting an open date of XX/XX/XXXX for this account however XXXX was reporting that this account was not even placed for collection until XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

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