vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: PNB INTERNATIONAL INVESTMENTS CORPORATION
State: CA

Complaint narrative:
I have some concerns about the information that XXXX XXXX XXXX ( XXXX  ) is keeping on their website. I was surprised that they are using security questions that are not appropriate. They are using information about me that were not provided by me. I have done business with the company for several years sending money to my family in the XXXX, but have been really concerned now about how much data they have about me. I would like that this company, XXXX ( or XXXX XXXX XXXX ) to remove all information about me on their servers. I do not intend to use their service any longer. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I looked at my Equifax credit Report Online on XX/XX/2018 and I don't see any information on my credit Report. My Equifax Credit report is wiped out as if I'm deceased or something. Nor do I see a credit report. On XX/XX/2018 I faxed all my identification and Social Security card to Equifax Credit Report. I'm not sure why my credit report information has disappeared from online viewing. I also can not see my current credit score as well. Because I pay for this online service to view my credit report and Credit Score. I'm also currently dealing with identity theft, Hackers, Spam callers, spoofing, Mail theft, and vanish email and phone calls. This is due to mortgage Fraud as well with XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
There are several hard inquiries on my report that I did not authorize and customer service will not remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX    XXXX XXXX XXXX XXXX, FL XXXX 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 2018-09-16 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: Credit Karma, LLC
State: AZ

Complaint narrative:
On XX/XX/2017 I paid off my debt with XXXX XXXX XXXX XXXX/XXXX over phone. The amount settled on totaled at {$1100.00}. It has been almost a year and the debt has still not dropped off of my credit report. The only information I have is the email receipt I got, with no contact information for XXXX  on it. It states it was processed through a company called XXXX XXXX. Due to this issue I was unable to be involved with the purchase of me and my fiancees new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
There are several hard inquiries on my report that I did not authorize and customer service will not remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Barclays Bank Delaware XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX 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 2018-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: COMMERCE BANK
State: MO

Complaint narrative:
Commerce bank reported me 30 days late XX/XX/XXXX I have statements from the bank showing I was current as of XX/XX/XXXX they did the same exact thing to me last year the statement shows I paid but then it was never posted to my bank account if you have a current statement from the bank saying youre at to date how can they reported 30 days late later they have a vendetta with me after closing my checking account last year and they never report my billing statement correctly so they hit me for 230 days late in the last year and its incorrect And hurting my credit score on purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I need Portfolio Recovery Associates, LLC # XXXX to Cease and desist ALL Collections and contact with me concerning the debt in their office that was due to fraud I have already file a police report with XXXX Police Dept. See Attached. This is the second time that I have sent a compliant on this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: OH

Complaint narrative:
This is in connection with a closed complaint XXXX filed on XX/XX/XXXX regarding XXXX. 

The initial complaint was regarding XXXX selling my private student loan to XXXX XXXX but continuing to report to the credit bureaus for nonpayment. XXXX has since responded with a letter they said they sent me indicating XXXX XXXX will begin servicing my loan beginning XX/XX/XXXX ; however, I've called XXXX XXXX several times and they do not have any information about me or my account. They have no history, nothing current, nothing closed, or nothing pending. My name isn't in the system, my account number, my loan balance, no information at all. However, XXXX has also indicated XXXX reported to the credit bureaus on they're behalf ; but XXXX does not have any account information of me to report. So who is reporting to the credit bureaus if it's not XXXX as the financial service XXXX sold my account to? I have not been able to pay my student loan or make arrangements due to this issue. XXXX doesn't have my account and XXXX didn't have the account. But someone continued to report nonpayment! 

According to XXXX " After the transfer, XXXX began reporting on your student loan on XXXX 's behalf. '' According to XXXX, they don't have my account information and are unable to report any information to the credit bureaus. They have never had my account information. 
XXXX has reported nonpayment to the credit bureaus on a consistent monthly basis ; but has indicated it was not them reporting ; but XXXX. 
XXXX has once again affected my credit score by reporting a closed account and non payment during the month of XX/XX/XXXX as a result of his complaint. 

I also never received a notice from XXXX that they would be servicing my loan as indicated in the letter from XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
A Perkins loan through XXXX College went into collections. 

I have been paying my student loans and was unaware the Perkins loan was handled by a different agency. The school and the collectors, claim they contacted me with the last known address, in XXXX, New York. However, that address has not been my address since XX/XX/XXXX ; per my drivers licences. At that time I was still attending XXXX College and they had my updated address. This is evident by the request for donations they sent me after my graduation in XX/XX/XXXX and the address to which they delivered my diploma. In XX/XX/XXXX-XX/XX/XXXX I updated my address to my current address and continued to receive alumni information and request for donations from XXXX College. 

A couple of weeks ago, I received a call from a debt collector about the Perkins loan. The collector informed me the loan had gone in default within the last 24 hours and they were calling to confirm my phone, address, and the loan. All of that information they had. 

I believe XXXX College, and the companies acting on their behalf, failed to make a responsible effect to contact me regarding my loan.

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 2018-09-17 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: SC

Complaint narrative:
Sent the company several letters to update my personal information, as well as to dispute fraudulent accounts. The company did block some of the accounts i requested but not all, and allowed a creditor to run my info without consent. I sent in certified mail, notarized, with a FTC affidavit.

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 2018-09-17 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am a current paid subscriber of the paid Equifax Credit Watch Gold service. As a paid subscriber I am entitled to receive a new, updated copy of my current credit report daily. 
I have continued to subscribe to this service as I am one of the approximately 182,000 individuals that Equifax has confirmed and notified that had documentation with personally identifiable information compromised in the security breach disclosed in XX/XX/XXXX. 

The last successful report I was able to generate was on XX/XX/XXXX. 
On XX/XX/XXXX multiple attempts to generate a report all failed, reporting an Eval code Status code FL, Reason code NH. 
On XX/XX/XXXX multiple attempts to generate a report all failed. As per the instructions with the failure I attempted to contact Equifax Customer Care at XXXX.

During this call I was transferred around and spoke with 4 different individuals, who were all courteous but who made varying attempts to assist.

During a subsequent logout of my account and login, I noticed that the " Average Equifax Credit Score for your zip code '' line showed an incorrect zip code, not my correct current zip code. 
The 4th individual I spoke to concluded by telling me to call Global Customer Care at XXXX due to having multiple addresses on my file.

The 5th individual I spoke to apparently made a change that would ostensibly fix the problem. 
I could not generate a report on the XXXX. I could also not generate reports on XX/XX/XXXX or XX/XX/XXXX. 
When calling Customer Care on XX/XX/XXXX the representative told me that I needed to contact XXXX again. 
I have attached a copy of the page that under " Latest Credit Score '' shows " Average Equifax Credit Score for your zip code, <redacted>, is <redacted>. " This is not my correct zip code. 
I also attached a copy of the output from XXXX XXXX reporting the report generation failure, the error codes generated, and the phone number to contact Equifax Customer Care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: SC

Complaint narrative:
Contact bureau via phone on XX/XX/2018, and speak with a very helpful representative name XXXX. He looked up some information that i submitted via fax and certified mail. XXXX started an investigation # XXXX, and was able to remove unauthorized hard inquires. He removed all but two and a 30 day late payment that was listed in error from XXXX XXXX prior to and investigation, so i called back and spoke with another rep XXXX, on XX/XX/XXXX i explained to her the situation, she said she was unable to help as i explained to her the time, date and rep i spoke with just 3 days prior. She said she initiated another dispute # XXXX, which i never received an email notification like i did on the XXXX while speaking with XXXX. Both times calling the reps stated that they were in call centers location outside the USA, and verified items electronically instead of an actual investigation into the disputes i sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: CA

Complaint narrative:
Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. XXXX  is using XXXX XXXX XXXX to collect money I don't owe, XXXX XXXX XXXX used XXXX XXXX XXXX services to collect debt as well. I don't owe any debt to any company and/or Collection agency and false information was reported to Experian. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my Experian credit history and legal actions will be taken. I have prove of what I said above about XXXX  NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. Please note, debt is being disputed and for more information I'm attaching needed documentation. XXXX XXXX XXXX haven't had any kind of communication with me, please respond or lawsuit will start right away.

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 2018-09-17 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: CA

Complaint narrative:
Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert  email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. XXXX  is using XXXX XXXX XXXX to collect money I don't owe, XXXX XXXX XXXX used XXXX XXXX XXXX services to collect debt as well. I don't owe any debt to any company and/or Collection agency and false information was reported to XXXX. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my XXXX  credit history and legal actions will be taken. I have prove of what I said above about XXXX NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. Please note, debt is being disputed and for more information I'm attaching needed documentation. XXXX XXXX XXXX haven't had any kind of communication with me, please respond or lawsuit will start right away.

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 2018-09-17 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: CA

Complaint narrative:
Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. XXXX is using XXXX XXXX XXXX to collect money I don't owe, XXXX XXXX XXXX used XXXX XXXX XXXX services to collect debt as well. I don't owe any debt to any company and/or Collection agency and false information was reported to XXXX. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my XXXX  credit history and legal actions will be taken. I have prove of what I said above about XXXX  NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. Please note, debt is being disputed and for more information I'm attaching needed documentation. XXXX XXXX XXXX haven't had any kind of communication with me, please respond or lawsuit will start right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: IL

Complaint narrative:
I have filed several disputes with Experian regarding a Fraudulent mortgage account activity on my credit report. However, the account has continued to remain on my credit report. By someone calling in as the alleged mortgage company to Experian saying that the account is accurate almost a month later, when it is not. I have provided documents to Experian regarding this fraudulent account activity as well. I have even seen on my Online account with Experian where they had deleted my entire social Security number on my credit report. I'm not sure if the account I'm reviewing online or mail correspondence is even a true account of mines anymore. Because I have received mail correspondence from Experian with an account that contains a account verification number from Experian regarding a dispute. However, when I call and give the account number on the letter Experian does not have any record of the account number that was provided to me by Experian. Experian has my home listed as a resort and an Apartment building which is false, my address XXXX is a home that I own. I also have not been able to see my Credit Score on my online account as well in over a month, and I pay {$29.00} a month for Experian online service so I can review my credit report and score as often as I want. When I call Experian pertaining to inaccurate credit reporting information, I just seem to keep getting the runaround regarding these issues. I'm also a Victim of Identity theft. As well as Hackers, Spam callers, spoofing, Mail theft, and vanish email, and phone calls. Someone is trying to stealing my identity, because new accounts or incorrect information seen to keep popping up in my credit report every week.

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 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Company turned this debt over to credit bureau and I was never informed about the debt or the right to dispute.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
XX/XX/2018 enhanced recovery company claims XX/XX/XXXX I owe XXXX {$790.00} but I've had this debt long ago. They never contacted me through mail in an attempt to collect this debt and give me an opportunity to dispute this debt. They did how ever hire someone to harass me at my workplace to get a hold of me. Which I thought was truly disrespectful and unprofessional

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I DON'T OWE ANYONE MONEY AND IF YOU LOOK INTO MY CREDIT PROFILE ON THEIR CREDIT BUREAU THE COLLECTION IS NOT ON THERE. THE WRONG INFORMATION IS AFFECTING MY CREDIT BADLY. I NEED IT GONE ASAP. 
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 explanation