vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-28 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: DISCOVER BANK
State: NJ

Complaint narrative:
Filed billing dispute with Discover card on or about XX/XX/XXXX, with an amount of {$68.00} under dispute reference number XXXX. Accordingly, Discover emailed me on XX/XX/XXXX advising the dispute has been resolved in my favor. Also, per the website of Discover card, I am cutting and pasting the following : ( Rather than crediting my account for this purchase, Discover card recharged my account for this purchase ). 

Resolution Date XX/XX/XXXX Description XXXX XXXX - NJ XXXX XXXX NJ Amount {$68.00} Dispute # XXXX Current dispute status is Dispute DateXX/XX/XXXX Status Updates XX/XX/XXXX Dispute resolved in your favor This case has been closed in your favor, as we have not received a response to our request from the Merchant. A credit will be applied to your account, and any temporary credit previously applied during our investigation will be reversed. Any interest or fees that may have been added you your account as a result of this issue have also been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: IL

Complaint narrative:
on XX/XX/XXXX at approximately XXXX : XXXX I received an alert with the new inquiry on my credit report I was asleep at the time from Capital One I already have a debt with Capital One why would I apply for something from them again this is not me I don't know what happened but I need that inquiry removed because I am trying to repair my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28 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: MO

Complaint narrative:
Last month I have disputed these unauthorized fraudulent accounts that has been on my credit report for some time now. These accounts are not known to me, I'm a junior with a very common name, not sure if this caused the mix up but I'm hoping that the credit bureaus straighten it out. I'm demanding that these accounts be blocked immediately so that my true credit data will reflect my true credit status. Please block the following accounts ... [ 1 ] XXXX XXXX [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX [ 4 ] XXXX XXXX {$230.00} [ XXXX ] XXXX XXXX XXXX Please provide certified physical documentation of these accounts or please block them immediately and permanently.

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 2019-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Recovery Services, Inc.
State: GA

Complaint narrative:
I have never heard of this debt collector never sign any contract with them or have any business with company they did send any signature about this dedt I do not owe this debt to them. date was XX/XX/2019 XXXX so they say and have no proof of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MI

Complaint narrative:
On Sunday XX/XX/29 I received a text alert from XXXX XXXX that a collection account was added to my credit report from XXXX XXXX. I was not notified by mail that they were attempting to collect this 6 year old debt. Therefore I was not afforded the opportunity to ask for proof. This was placed on my credit report instead before I was afforded the opportunity to dispute this. The original creditor was XXXX XXXX for {$280.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28 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: MO

Complaint narrative:
Last month I have disputed these unauthorized fraudulent accounts that has been on my credit report for some time now. These accounts are not known to me, I'm a junior with a very common name, not sure if this caused the mix up but I'm hoping that the credit bureaus straighten it out. I'm demanding that these accounts be blocked immediately so that my true credit data will reflect my true credit status. Please block the following accounts ... [ 1 ] XXXX XXXX [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX [ 4 ] XXXX XXXX {$230.00} [ 5 ] XXXX XXXX XXXX Please provide certified physical documentation of these accounts or please block them immediately and permanently.

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 2019-04-28 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: MO

Complaint narrative:
Last month I have disputed these unauthorized fraudulent accounts that has been on my credit report for some time now. These accounts are not known to me, I'm a XXXX  with a very common name, not sure if this caused the mix up but I'm hoping that the credit bureaus straighten it out. I'm demanding that these accounts be blocked immediately so that my true credit data will reflect my true credit status. Please block the following accounts ... [ 1 ] XXXX XXXX [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX [ 4 ] XXXX XXXX {$230.00} [ 5 ] XXXX XXXX XXXX Please provide certified physical documentation of these accounts or please block them immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28 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: MO

Complaint narrative:
I'm disputing these unauthorized accounts, and I have before but for some reason the three ( 3 ) major credit bureaus are still reporting these unauthorized accounts, and if you can not provide me with physical documentation then as stated within the FCRA, I'm demanding that these accounts be blocked immediately from my credit report ... please remove these following accounts ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX/ XXXX XXXX ( 4 ) XXXX XXXX {$2300.00} ( 5 ) XXXX XXXX {$1500.00} ( 6 ) XXXX XXXX XXXX {$1500.00} ( 7 ) XXXX  XXXX XXXX XXXX {$790.00} ( 8 ) XXXX XXXX XXXX {$760.00} ( 9 ) XXXX XXXX XXXX {$150.00} ( 10 ) XXXX XXXX  ( 11 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
XX/XX/XXXX I purchased XXXX XXXX smartphone at {$890.00} with the tax amount of {$53.00}. Total amount is {$950.00}. 

XX/XX/XXXX The price of XXXX  XXXX smartphone is reduced from {$890.00} to {$740.00} by {$150.00}. The promotion term was : Save {$100.00} on XXXX XXXX or save {$150.00} on XXXX XXXX XXXX. Starts XX/XX/XXXX at XXXX PT and ends XX/XX/XXXX at XXXX PT, while supplies last and subject to availability. US residents only. Must be 18 years or older. Unless otherwise stated, offerer can not be combined with other offers and is not transferable. Purchase must be made on XXXX XXXX US. Not valid for cash or cash equivalent. Void where prohibited. 

XX/XX/XXXX I filed a claim for price protection # XXXX with the MasterCard Assistance Center. 

XX/XX/XXXX I received {$53.00} amount of check. 

XX/XX/XXXX I called MasterCard Assistance Center ( XXXX ) to clarify the claim amount as {$150.00} NOT {$53.00}. And they say they will report to the claim examiner. 

XX/XX/XXXX I again called MasterCard Assistance Center about the claim. Claim examiner said the promotion terms are not valid price because they are just terms. 
I claimed the store website showed only the original price and discount amount as terms so I attached the valid promotion terms but it was rejected.

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 2019-04-28 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: NV

Complaint narrative:
Experian report # XXXX for XX/XX/19 XXXX XXXX XXXX card ending account # XXXX of credit card. does not show update for XX/XX/2019 and XX/XX/2019 {$0.00} Balance

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 2019-04-28 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: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
First, SLS LLC is reporting my home mortgage account summary and all monthly payments with the following comment " ADDITIONAL INFORMATION - Real Estate Mortgage ; Loan Modified Under a Federal Government Plan ''. This is correct, it was under XXXX and, as such, is a negative reference. The modification was done in XXXX and, since over seven years have passed, the statement should be removed from all Credit Bureau submissions by SLS LLC. 

Second, SLS LLC is reporting the payments made in XX/XX/XXXX and XX/XX/XXXX were less than the scheduled amounts. Also, in XX/XX/XXXX, they show no scheduled nor paid amounts. Since SLS LLC has been autodrafting my checking account since they acquired my account from XXXX XXXX, the scheduled payments and paid amounts should always match.

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 2019-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a credit lock on my account because of prior hacking. For some reason Experian does not have my phone number in their database, so when I try to lease a anew vehicle for example, people can not contact me to confirm the transaction. I have called Experian many times to rectify this, and each time they assure me the phone number has been added, but it never is. Last time I talked with them to rectify this was early XX/XX/2019. I spent a long time on the phone with multiple people at Experian who assured me this time it was corrected. I now find it has not been, and it is causing me credit issues again. What do I have to do to get Experian to work for me instead of against 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 2019-04-28 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: MO

Complaint narrative:
I'm disputing these unauthorized accounts, and I have before but for some reason the three ( 3 ) major credit bureaus are still reporting these unauthorized accounts, and if you can not provide me with physical documentation then as stated within the FCRA, I'm demanding that these accounts be blocked immediately from my credit report ... please remove these following accounts ( 1 ) XXXX XXXX ( 2 )  XXXX XXXX XXXX XXXX ( 3 ) XXXX  XXXX XXXX ( 4 ) XXXX XXXX   {$2300.00} ( 5 ) XXXX XXXX {$1500.00} ( 6 ) XXXX XXXX XXXX {$1500.00} ( 7 ) XXXX XXXX XXXX XXXX {$790.00} ( 8 ) XXXX XXXX XXXX   {$760.00} ( 9 ) XXXX XXXX XXXX {$150.00} ( 10 ) XXXX XXXX ( 11 ) XXXX 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 2019-04-28 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: MO

Complaint narrative:
I'm disputing these unauthorized accounts, and I have before but for some reason the three ( 3 ) major credit bureaus are still reporting these unauthorized accounts, and if you can not provide me with physical documentation then as stated within the FCRA, I'm demanding that these accounts be blocked immediately from my credit report ... please remove these following accounts ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX XXXX {$2300.00} ( 5 ) XXXX XXXX {$1500.00} ( 6 ) XXXX XXXX XXXX {$1500.00} ( 7 ) XXXX  XXXX XXXX XXXX {$790.00} ( 8 ) XXXX  XXXX XXXX {$760.00} ( 9 ) XXXX XXXX XXXX {$150.00} ( 10 ) XXXX XXXX ( 11 ) XXXX 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 2019-04-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian credit bureau lists a Bankruptcy on my credit report. Experian stated on my credit report that XXXX ( third party ) has verified the bankruptcy as being factual. I contacted The United States Bankruptcy Court Northern District of Illinois regarding the matter of the court verifying the information. I received a letter from the court that states : The bankruptcy court does NOT perform any activities with the credit bureaus. I must contact the individual credit bureaus for their procedure for removing the bankruptcy filing from their credit bureau. Experian or XXXX will not remove the account because the bankruptcy court hasnt verified the 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 explanation
Consumer complaint received 2019-04-28 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: STERLING JEWELERS, INC.
State: NH

Complaint narrative:
On XX/XX/XXXX, I paid off an account with XXXX XXXX   through their collections agency XXXX XXXX XXXX, XXXX in the amount of {$250.00}. On multiple occasions for the last 7-8 months I have attempted contacting XXXX XXXX and have submitted multiple disputes through all three major credit bureaus to have my account updated properly to note that the account was in fact paid. On XX/XX/XXXX a complaint was submitted through CFPB for this exact issue and on XX/XX/XXXX a response from the company specifically XXXX XXXX advising that the account would be updated for any errors. As of today XX/XX/XXXX the account still has yet to reflect being PAID. This causes many issues with potential future loans as other creditors see the XXXX XXXX account as an unpaid charge off which is in accurate. It is absolutely absurd to go through this much effort to have one single word added to an account. The next step I make will be with a Collections Attorney if this issue is not fixed and my account is not ACCURATELY updated. I left feedback on the previous dispute as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX-XXXX XXXX veteran. My property taxes are tax exempt. My mortgage company, Shellpoint Mortgage, who is also New Rez Financial, increase my mortgage from {$1300.00} to {$2500.00}. They claimed that they did not have my documents that show I am tax exempt. I know that is not true because when I bought my home XX/XX/2017, my note was over {$1700.00} per month. After I received my XXXX XXXX VA XXXX rating, I sent my paperwork to XXXX XXXX who applied the exemption to my mortgage. My note dropped {$1300.00}. 

I have sent this new mortgage holder my paperwork again, and they have failed to readjust my note. I have a VA backed note, and I am going to report this to the VA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: LEXISNEXIS
State: IL

Complaint narrative:
XXXX credit bureau lists a Bankruptcy on my credit report. XXXX stated on my credit report that LexisNexis ( third party ) has verified the bankruptcy as being factual. I contacted The United States Bankruptcy Court Northern District of Illinois regarding the matter of the court verifying the information. I received a letter from the court that states : The bankruptcy court does NOT perform any activities with the credit bureaus. I must contact the individual credit bureaus for their procedure for removing the bankruptcy filing from their credit bureau. XXXX  or LexisNexis will not remove the account because the bankruptcy court hasnt verified the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
This refers to the attached billing account statement received fron XXXX XXXX XXXX XXXX XXXX XXXX for my two semester of education. The total cost of Tuition and Educational Fees was {$7600.00} ( {$3800.00} x 2 semesters ). I received TAP awards totaling {$1000.00} for the two semesters, Based on above, it shows that the school was entitled to receive a loan of {$6600.00} from my lender ( Sallie Mae ) for the total cost of my education. 
However, Salie Mae and/Navient, the Lender and Servicer of these Loans have been collecting repayments since XXXX based on the amounts of Loans totaling {$17000.00} which my school received in XX/XX/XXXX and XXXX XXXX. There are issues of Overpayments/Overawards to be resolved. There is no account for the total amount collected from me by SalliMae before transfering my loans to Navient on XX/XX/XXXX. From XX/XX/XXXX to date, Navient has collected {$35000.00} from me and continue to ask for a payoff of {$34.00}, XXXX. I have never received any portion of overpayments returned to me or deducted from original loans by the school and the lender.. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
There is a XXXX  XXXX account on my credit report which shows being paid in full but 150 days in delinquency. I have never made a late payment on this account. The balance was last updated in XXXX of 2013. For the last 6 years this inaccurate payment history has been hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
On XX/XX/XXXX, I became aware of an issue with my bank accounts and online banking access. I attempted to log into my online banking and was told that my password was incorrect, despite knowing it was correct. I then found out that my password had been changed without my knowledge. I attempted to reset my password using my ssn and last 6 digits of my card number and was told the information entered does not match our records. I called Bank of America to figure out what was going on and was told that my accounts, online access, and debit card were locked due to suspected fraudulent activity. I later learned that someone apparently attempted to cash 2 fraudulent checks on my account. And that was the reason the accounts were locked. I submitted a claim over the phone for this unauthorized activity and was told they will conduct an investigation. But I have concerns due to the fact I was told it could take up to 60 business days to complete the investigation. Although, I was told it usually doesn't take that long. But during this time I won't have access to any of my accounts. I also have not heard anything since the claim was initially submitted. Bank of America is the primary place I do my banking and I have been a loyal customer for about 3 years. Not being able to use these services for an extended period of time poses a major inconvenience for me. And I would greatly appreciate a faster resolution to this issue than possibly taking up to 60 days to minimize the inconvenience it causes. I should also note that I suspect there may be fraudulent charges on my debit card as well based on my communications but haven't been able to confirm this yet since I can't get into my online banking. And I plan to call tomorrow to see if I can get more info on my recent debit card transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief