vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-03 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Months ago I've paid debts on my credit report to Portfolio RC Acct # XXXX although I did not owe the accounts per I thought it would be faster and in good faith to do so however the hardship of my unfortunate situation of identity theft and deceptive practices to my name and credit. Portfolio then removed the negative marking from my credit report and months later harmed my credit score greater by adding the same negative marking on my report again with XXXX balance paid collection which dropped my score dramatically. this goes against the Fair Credit Reporting Act. After disputes Portfolio RC did not correct this matter. I demand this account be removed from my reports of the 3 Reporting agencies.

am aware that per the provisions of the Federal Fair and Accurate Transaction Act ( FACT Act ), also known as the 2003 Amendments to the Fair Credit Reporting Act, section 609 ( e ), identity theft victims are entitled to obtain from a business entity a copy of the application and other business transaction records related to their identity theft free of charge. Businesses must provide those records within 30 days of receipt of the victims request. 
I respectfully demand a copy of the application records and detailed billing records for this account in my name ( and/or Social Security number, etc. ) a physical contract bearing my signature from the date the service started until service ended and any other account records in your possession relating to this account. This account ( indicate circumstances such as i.e., appears on the credit report maintained for my name, as an inquiry or referral from your company, created a debt for which I am being held responsible, etc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I'm not sure what's going on, but I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
I would like to see if Power Finance is following the rules and regulations of payday loan practices. I borrowed {$610.00} back in XX/XX/XXXX, I get paid every two weeks and have been paying them {$180.00} every paycheck and will end in XX/XX/XXXX. 13 payments at {$180.00}. The estimated cost to pay everything is {$2400.00}. So, I am paying roughly a little over {$1800.00} for a {$610.00} loan. Its horrible. I've made a huge mistake by getting the loan but this is highway robbery. The location I loaned from is in XXXX, TX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Faxed and called all 3 credit reporting agencies with proof of paid in full statement from creditor. However credit reporting agency still have not corrected information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Faxed and called all 3 credit reporting agencies with proof of paid in full statement from creditor. However credit reporting agency still have not corrected information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm reviewing my credit report as I feel is very important. 
So you are telling me you got on the phone and called each creditors and send aIl my docs and youd did a fu ; ll comparison between what i saying and what they send to you and you found they were correct? I highly doubt it. 

XXXX XXXXXXXX XXXX Acc # XXXX ... 
XXXX XXXX - Account Number XXXX XXXX Card - Account Number XXXX XXXX Card - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX - Account Number : XXXX Delete the above and send me a new report. 
And last and more concerning is my XXXX XXXX XXXX account XXXX, I paid my XXXX XXXX on time every month but your reporting shows as a negative account. Last Payment made on XX/XX/XXXX Account Closed on XX/XX/XXXX Pay Status shows ( Paid As Agreed Never Late. 

This is proof you never really verified this account at all. Update Update this account to shows as positive as it should be

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 2018-10-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm reviewing my credit report as I feel is very important. 
So you are telling me you got on the phone and called each creditors and send aIl my docs and youd did a fu ; ll comparison between what i saying and what they send to you and you found they were correct? I highly doubt it. 

XXXX XXXX XXXXXXXX Acc # XXXX ... 
XXXX XXXX - Account Number XXXX XXXX Card - Account Number XXXX XXXX Card - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX - Account Number : XXXX Delete the above and send me a new report. 
And last and more concerning is my XXXX XXXX XXXX account XXXX, I paid my XXXX XXXX on time every month but your reporting shows as a negative account. Last Payment made on XX/XX/XXXX Account Closed on XX/XX/XXXX Pay Status shows ( Paid As Agreed Never Late. 

This is proof you never really verified this account at all. Update Update this account to shows as positive as it should be

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 2018-10-03 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: CT

Complaint narrative:
I've telephoned all 3 credit bureaus regarding hard inquiries that are placed on my credit files. I informed the credit reporting agencies that I did not apply for credit with these institutions requesting my credit profile. Per the credit bureaus instructions, I telephoned all companies listed on my report and informed the of the matter. However, I was eventually referred me back to the credit bureaus. Now I am stuck with these inquiries on my credit report and its effecting my well being because nobody seems to care to help. My job maybe at risk because I am required to maintain a certain credit profile background. The following are not my inquiries : XXXX : XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX and XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX : XXXX XXXX, XXXX XX/XX/XXXX Please help me resolve this matter promptly.

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 2018-10-03 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: CT

Complaint narrative:
I've telephoned all XXXX credit bureaus regarding hard inquiries that are placed on my credit files. I informed the credit reporting agencies that I did not apply for credit with these institutions requesting my credit profile. Per the credit bureaus instructions, I telephoned all companies listed on my report and informed the of the matter. However, I was eventually referred me back to the credit bureaus. Now I am stuck with these inquiries on my credit report and its effecting my well being because nobody seems to care to help. My job maybe at risk because I am required to maintain a certain credit profile background. The following are not my inquiries : XXXX : XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX, XXXX  XX/XX/XXXX Please help me resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called, mail both with tracking and regular mail to all 3 credit buries to remove inaccurate personal information from my credit report.

Here is the USPS tracking XXXX, XXXX XXXX, XXXX, XXXX They have being unresponsive and I can't deal with them anymore and need your help to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I'm not sure what's going on, but I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GREAT LAKES
State: MA

Complaint narrative:
: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have called, mail both with tracking and regular mail to all 3 credit buries to remove inaccurate personal information from my credit report.

Here is the USPS tracking XXXX, XXXX XXXX, XXXX, XXXX They have being unresponsive and I can't deal with them anymore and need your help to resolve this.

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 2018-10-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have called, mail both with tracking and regular mail to all 3 credit buries to remove inaccurate personal information from my credit report.

Here is the USPS tracking XXXX, XXXX XXXX, XXXX, XXXX They have being unresponsive and I can't deal with them anymore and need your help to resolve this.

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 2018-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
They are reporting negative inaccurate information. 

The payment status is incorrect. Says not paying as agreed which is false! I currently have a XXXX card and they would not have let me opened that if this was true. 

The high balance is incorrect.

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 2018-10-03 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and 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 2018-10-03 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: IL

Complaint narrative:
Months ago I've paid debts on my credit report to XXXX XXXX Acct # XXXX although I did not owe the accounts per I thought it would be faster and in good faith to do so however the hardship of my unfortunate situation of identity theft and deceptive practices to my name and credit. XXXX then removed the negative marking from my credit report and months later harmed my credit score greater by adding the same negative marking on my report again with XXXX balance paid collection which dropped my score dramatically. this goes against the Fair Credit Reporting Act. After disputes XXXX XXXX did not correct this matter. I demand this account be removed from my reports of the 3 Reporting agencies.

am aware that per the provisions of the Federal Fair and Accurate Transaction Act ( FACT Act ), also known as the 2003 Amendments to the Fair Credit Reporting Act, section 609 ( e ), identity theft victims are entitled to obtain from a business entity a copy of the application and other business transaction records related to their identity theft free of charge. Businesses must provide those records within 30 days of receipt of the victims request.

I respectfully demand a copy of the application records and detailed billing records for this account in my name ( and/or Social Security number, etc. ) a physical contract bearing my signature from the date the service started until service ended and any other account records in your possession relating to this account. This account ( indicate circumstances such as i.e., appears on the credit report maintained for my name, as an inquiry or referral from your company, created a debt for which I am being held responsible, etc. ).

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 2018-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Since leaving school in XXXX my account was on an Income Based Repayment plan ( IBR ) with payments of {$0.00} per month. when the time came for this year 's submission of an annual renewal for the IBR I did not receive any correspondence from the servicer via email, physical mail, or by phone. The only reason I am aware of the issue is I've begun looking into my credit closely, to discover that my score had fallen over 100 points because of 15 " late payments. '' Three instances from five loan accounts were now delinquent because I had been switched back to a standard repayment plan without my knowledge. On XX/XX/XXXX I contacted the servicer where I corrected all the incorrect information on my account, and the first thing the servicer customer service had offered me was to go into forbearance.The representative offered only an address to direct a written letter to when I asked about the mishap causing a mistake with their credit reporting.

I have a second set of student loans serviced by another company, also on an IBR, which shows that I have been prompt in my upkeep when properly informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened my Credit Card with Amex XX/XX/XXXX ( Amex Everyday Card ) and qualified for a 0 % APR offer until XX/XX/XXXX on transactions posted by XX/XX/XXXX. I realize that the promotion period ended, which was my mistake-but I still wanted to do a balance transfer as the rate to my Amex Card was better than my current credit card. I called once and the rep said I needed to call the bank that I wanted to move the balance from ... confused with this response I called back. This new customer service rep was also unhelpful and stated that I couldn't do a balance transfer, I asked for a supervisor and the Amex Representative stated that one isn't available. I said I would hold and he said they are in a meeting and to call back. The Amex rep was obviously trying to get me off the phone like the last rep. I told him I would hold for a supervisor, after 45 minutes I got the manager of the Balance Transfer Department XXXX ( Employee # XXXX Call time was approx XXXX Pacific on XX/XX/XXXX ) and he shared that " many people find the Balance Transfer verbiage confusing '' and proceeded to tell me that he could not complete a balance transfer if it isn't in the first 60 days. I requested mulitple times to have my call escalated and he said his manager " didn't take calls ''. Finally, he said he would have another manager call me back.

Bottomline : The Cardmember agreement I received was misleading and I believe falls under the UDAAP ( Unfair, Deceptive Acts & Practices ). There is an interest rate that is listed in my attached cardmember agreement. No where in my cardmember agreement does it say " no balance trasfers after 60 days ''.

Company response to consumer: Closed with explanation