vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-19 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: Convergent Resources, Inc.
State: MA

Complaint narrative:
I paid this account back on XX/XX/XXXX @ XXXX. I spoke to a XXXX XXXX who recieved my settlement payment in the amount of {$190.00}. He then told me it would take 3 to 7 business days to recieve a settlement in full email. The issue that I am having is that the status was updated in XX/XX/XXXX with XXXX  with the new information. XXXX still shows the account as open and it is also being updated every month. The last update was on XX/XX/XXXX. I have sent numerous requests to XXXX   and have not recieved any response to my letters regarding this fact. I worked hand in hand with a HUD approved agency to remedy this issue.

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 2018-02-19 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: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Prestige Financial Services XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. 
Wells Fargo XX/XX/16 XXXX XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XXXX XXXX XXXX   XX/XX/16

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 2018-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
XXXX XXXX has reported me as being 9 times 30days late. I have contacted them numerous time sent my bank statements showing that they have received monthly payments from on time as payments were set up on Auto-pay at {$12.00} per month. I paid the account in full on XX/XX/2017 and was told that all incorrect lateness 's would be removed as they should have never been placed on my account in the first place this company is clearly in violation and I want my cr3edit report corrected as my score has dropped 100 points due to this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a home equity line of credit with XXXX XXXX XXXX. This account was included in my bankruptcy filing, however they continue to report this line on my credit report. 

I have made several phone calls and credit bureau disputes. This line continues to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I closed the account with American Express and I paid the full balance. The amount was XXXX. They are reporting the account in all three credit bureaus as Charge-Off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
the car was sticker price XXXX was not on vehicle,, calll XXXX gave them vin, XXXX rebate, XXXX down loan should of been XXXX, the contract was not given to me but was going to be mail out, GM gave me a copy, XXXX total this is fraud, esp when no sticker was on the window, the excuse the sticker was in didnt have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: MD

Complaint narrative:
I sent a letter to Recovery One LLC requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They have not responded to my request. I have attached supporting documentation. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I think the CFPB needs to be aware that credit reporting agencies ( XXXX & Experian ) are having very serious issues. I just looked at my credit report with Experian and it shows all zeros ( last week I was fine ). I should show a credit reporting history that dates back over thirty years which is what the two other agencies show. My husband pulled his credit report with XXXX  last week and it also had all zeros listed. When you try to obtain a free report, the agencies are unable to provide you one because you do not exist. You have to pay for a report and then send a dispute through the U.S. mail. The issues that both of us encountered with these reporting agencies have caused each of us a 60 point drop in our credit rating.

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 2018-02-19 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: FL

Complaint narrative:
XXXX phone says I have a debt from XX/XX/XXXX, I was notified through XXXX XXXX that a company on XX/XX/XXXX that a company called XXXX XXXX bought from XXXX in XX/XX/XXXX. I have never in 6 plus years receive anything from either company of any debt owed. I have called XXXX and XXXX  and no help.

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 2018-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was a victim of the credit inquiry problem where the bureau deleted the inquiries then added them.back illegally and they will not delete my transunion inquiries

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 2018-02-19 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: PA

Complaint narrative:
A few months ago an inquiry from Walmart credit showed up on my XXXX credit report. I contacted XXXX  and was advised by a representative outside the US that they could not assist and to call the police. The info seemed inaccurate but speaking to a supervisor did not help. I contacted Walmart and they confirmed they never had a credit inquiry using my social security number or name. They wrote a letter to XXXX advising but it has still not been removed. 

Also a XXXX XXXX inquiry is now listed as of XX/XX/2018. I purchased a car through XXXX XXXX on XX/XX/XXXX but did not use XXXX XXXX so that hard inquiry is inaccurate. Given approaching XXXX previously didn't work and only caused frustration I am approaching you for help to have both inquiries removed. These inquiries are not on my XXXX 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 2018-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I sent a letter to Transworld Systems Inc requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They have not responded to my request. I have attached supporting documentation. They have reported delinquent information to the three credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PRA stated that they sent their initial notification letter to me on or about XX/XX/XXXX. I never received any letters from them. I would like to see a copy of that letter along with receipt, as well as the address it was mailed to. PRA claims to have spoken to me regarding a letter I received on or about XX/XX/XXXX. Most companies record for quality assurance, I would like to hear this conversation. I was not receiving and letters or calls from debt collectors in XX/XX/XXXX because I was enrolled in a debt relief program. It wasnt until the end of XX/XX/XXXX that I disenrolled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: FL

Complaint narrative:
Today, as alerted by my calendar, I tried retrieving online my free annual credit report from Equifax. As usual, they refused, asking me to apply by snail mail. No reason is given ( " We are not able to deliver your free Equifax Annual Credit Report online '' ). 

They do ask 4 " identity '' questions, 2 of which are related to items in my credit report and I can answer precisely, another 2 aren't ( this is determined with a copy of my most recent Equifax credit report that was sent to me by mail ), and are best answered as " None of the Above ''. 

Equifax ( as well as XXXX  ) do this every year ( All of XXXX 's questions are relevant and can be answered precisely, and XXXX 's report is always available online ). Equifax  ( and XXXX  ) just plain refuse to show me my credit report online. Will this Bureau put an end to this abuse?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In early Spring XX/XX/XXXX, I was on XXXX XXXX and finishing my last semester of XXXX  school. My degree program was an XXXX XXXX in XXXX XXXX. I am a XXXX and had hoped to go into leadership a few years after my XXXX XXXX. My loans were serviced by XXXX XXXX at the time and eventually the company transitioned to Navient. I had planned to consolidate all of my loans and take part in the Public Service Loan Forgiveness Program. I attempted, with all clarity, to consolidate my loans.Thus, from XX/XX/XXXX to XX/XX/XXXX, I  followed the process and completed paper work as outlined by XXXX XXXX ( Navient ) and tried to fulfill all deadlines as detailed by the company. In XX/XX/XXXX, shortly after the XXXX XXXX XXXX XXXX, I received notice of payment and paid the amount due on what I thought were all of my consolidated loans. In XX/XX/XXXX, I receive a payment a payment invoice of 5-6 times what I paid in XX/XX/XXXX. It was not over {$3000.00} -- far more than I make in a month as a XXXX. I did not understand what had changed? I thought that I had consolidated all of my loans and that amount paid in XX/XX/XXXX was the amount that was due consistently. Unknown to me, My loans were not all consolidated, unfortunately. I had over 30 smaller unconsolidated loans with a few consolidated loans on my account. I experienced XXXX  XXXX and multiple bouts of illness following the XXXX XXXX XXXX XXXX. I had been out of work numerous ( I have forms signed and dated by my XXXX XXXX ). 
It has been multiple years and multiple attempts to have Navient clarify the terms of my loan an assist with my understanding of affordable terms for repayment. I have lost years of being able to use the Public Service Loan Forgiveness Policy. I have incurred multiple derogatory marks on my credit report for loans. I feel that this is unfair and unjust. When I finally received adequate counseling from another source ( XXXX   XXXX XXXX XXXX XXXX ), I was able to understand and navigate the process in XX/XX/XXXX of full loan consolidation and repayment in XX/XX/XXXX. However, Navient played no role in this measure. When I spoke to the Department of Education about my loans in XX/XX/XXXX, I was told that it was very odd to have a few consolidated loans on an account. This has been very harmful for me and my family. Particularly as I have been trying to rebuild after XXXX XXXX. The damage done by Navient in making loan terms confusing and making repayment difficult and untenable have damaged my credit to a detrimental degree. I am requesting assistance and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OH

Complaint narrative:
I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency National Recovery in the amount of {$82.00}. This debt has not been validated and the credit agencies, XXXX   and XXXX are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: SC

Complaint narrative:
On XX/XX/2017, I sent in documents for 2 accounts that were opened fraudulently in my name to be removed from my report, the accounts are ( XXXX XXXX XXXX XXXX ) XXXX and XXXX. I have already spoken directly with the original creditor but the collection agencies showed proof that I was a victim of identity theft ( I have a fraud alert on my account ) are refusing to remove these accounts from my report. I also have an account with whom the original creditor cancelled their contract and still reported the account negatively, the account is ( XXXX XXXX ) XXXX. And the last account ( XXXX XXXX XXXX ) city of XXXX ... was paid in full and I sent a copy of my XXXX account balance but the collection agency refuses to remove the account from my report. These accounts have all been rectified but the creditors are refusing to update my information.

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 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: IL

Complaint narrative:
I called XXXX XXXX the middle of last month to close out my credit card. They closed my card and told me I had a final balance which was {$38.00}. They would not accept a credit or debit card payment over the telephone. They only wanted a check or checking information. Before I paid them, I called again to verify the amount, then I sent a check for the amount in the beginning of XX/XX/XXXX. I just recently got a bill that said I owed double the amount. I called the company today and they told me I paid the closeout late fee late, so they charged me another late fee with interest. I as to speak to a supervisor but the customer service agent refused to transfer me and he eventually hung-up the telephone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency Receivables Performance Management in the amount of {$390.00}. This debt has not been validated by the creditor or the 3 credit bureau agencies and are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is reporting a wrong balance and a wrong status for this account. Try to contact them but no success.

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 2018-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
About 2 mos ago i closed a bank account with an overdraft of {$460.00} because it was compromised. The rep took all the info to file a claim to dispute the charges making it overdrawn. On XX/XX/2016 those {$460.00} were debited from my new account leaving me overdrawn, with about 15 pending transactions which will create a {$32.00} fee each for overdraft and no money for the next 2 weeks. I was never notified by any method of this situation until I checked my account online. I have contacted the bank, spent almost 2 hours being transfered from person to person, all saying they can not take accountability because the transaction was " not done through their department. '' The last person I spoke to informed me this was not done trhough the charge off dept ( of course because this was not a charge off ) and that they did not know who had done this transaction on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency Bull City Financial in the amount of {$560.00}. This debt has not been validated by the original creditor or the 3 credit bureaus and are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.

Company response to consumer: Closed with explanation