vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
Upon reviewing my finances I checked my annual credit report and to my surprise I found an error on my file. I paid XXXX credit card wherein they failed to process my payment in a timely manner causing me a 30-day late payment. I even inquired with a customer service rep by the name XXXX agent ID XXXX, to see if I could be helped in making automatic payments and he said that he could not help me and proceeded to transfer me to a different department. Every time I called I would get transferred and their line continued hanging up. It's very hard for me to work with this company when they have their system does not work properly. I've always made on-time payments and I overwhelmed now and don't know what to do. I'm now contact the CFPB to help me correct this issue as it's causing me financial strain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The credit reporting agencies allowed XXXX XXXX XXXX add information on my credit file without ensuring the creditor was in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I've lived in a different state for more than two ( 2 ) years. I received no communication from the creditor. Yet, the creditor was allowed access to my credit file which has my current address. The bureaus should have made ensured the creditor had sent letter a to my address on my report prior 30 days prior to allowing the item to be added. I should have received the following from the creditor : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor - to my knowledge I had not received such a letter

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 2019-02-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The credit reporting agencies allowed XXXX XXXX XXXX add information on my credit file without ensuring the creditor was in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I've lived in a different state for more than two ( 2 ) years. I received no communication from the creditor. Yet, the creditor was allowed access to my credit file which has my current address. The bureaus should have made ensured the creditor had sent letter a to my address on my report prior 30 days prior to allowing the item to be added. I should have received the following from the creditor : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor - to my knowledge I had not received such a letter

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 2019-02-19 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: NJ

Complaint narrative:
i came apon checking my credit for accuracy and found out my personal information has been used to open medical acounts and other accounts of some sort without my permission I was advised to fill out this form

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 2019-02-19 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: NJ

Complaint narrative:
i came apon checking my credit for accuracy and found out my personal information has been used to open medical acounts and other accounts of some sort without my permission I was advised to fill out this form

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LendUp Loans LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, my daughter told me to check the State Controller 's office website, sco.ca.gov because I had five new things saying I was owed money from from a company called LendUP, so I went to the website and checked and found. I find this totally illegal what they have done, using a GOVERNMENT WEBSITE in a ruse to get people to call them thinking they are owed money. I paid this loan off three years ago and owe them nothing so I ASSUMED that either they were a part of a lawsuit or I had overpaid - something but not the illegal tactic they used.

Business Contact Information : FLURISH INC. DBA  LENDUP CUSTOMER SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , CA XXXX ( XXXX ) XXXX XXXX Type of Property : REFUNDS DUE Cash Reported : Under {$100.00} Shares Reported : 0 Name of Security Reported : Date Reported : XX/XX/XXXX Date of Last Contact : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NPAS, Inc.
State: FL

Complaint narrative:
I owed XXXX XXXX XXXX in FL a hospital bill of over {$1800.00} which I was paying {$20.00} per month on before sending me to a collection agency XXXX. I tried to resolve the issue but they would not work with me. 
I owe another hospital, XXXX XXXX over {$2000.00} which I am also paying {$20.00} towards and also {$20.00} for a separate doctor bill. {$60.00} per month on medical bills is a lot when you just don't have anymore to give. XXXX XXXX agreed to let me pay the {$20.00} and tried to get XXXX XXXX to set up an agreement as well. Instead XXXX XXXX sent me to XXXX collections! 

I was forced to retire to care of my husband then lost half of my income due to his death. I'm on social security and paying for both his funeral and my daughters who I lost 5 months prior to my husband. I tried explaining this to XXXX as my reason why I can't pay any more than {$20.00} per month. I spoke with them and a supervisor on two separate occasions, XX/XX/XXXX and XX/XX/XXXX. They said they have no option but to report this on my credit report unless I could pay {$200.00} per month! I still continue to pay {$20.00} getting the bill down to {$1700.00} and now is on my credit report. I believe they used bully tactics to get me to pay more and don't feel this is right.

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 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX I pulled my transunion credit reports and the other credit reports after being denied a loan XXXX since this time I have been trying to get my credit inquiry on XXXX from XXXX  ( membership I never requested ) and aka XXXX XXXX XXXX XXXX No response I want to know who signed me up for this membership that monitors transunion credit reports. 
I had Transunion XXXX  XXXX  XXXX XXXX XXXX auto XXXX  TRANSUNION XXXX on my reports twice All these companies doing inquiries done All this done in 1 weeks time from XXXX thru 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 2019-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted the credit bureau XXXX, and transunion by certified mail to verify the accuracy of the accounts they claim I owe a balance to. They were last contacted on XX/XX/2018 and numerous times prior to that via certified mail. Since then, they continue to reply that they have verified that the account belongs to me with no valid proof.

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 2019-02-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting inaccurate data from XXXX XXXX XXXX XXXX. I do not owe this collection agency and sent a debt validation letter to Equifax, XXXX and XXXX. XXXX and XXXX have removed the collection reported however, Equifax has not. Thus, I am filing a complaint for immediate removal of this inaccurately reported collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I deposited funds totaling {$40000.00} to qualify for Ally Bank 's 1 % extra back up to {$1000.00} on new money deposited program. 

I met all of the qualifications and the bonus was not paid. 

I called Ally on XX/XX/19, and they were not able to pay the required bonus by XX/XX/19, nor were they able to tell me why. 

XXXX XXXX Phone number XXXX The accounts involved Account # XXXX Account # XXXX Please help me. 

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 monetary relief
Consumer complaint received 2019-02-19 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: DISCOVER BANK
State: WA

Complaint narrative:
soft credit inquiries were performed by Discover card, despite my never having applied for a credit card : DISCOVER FINANCIAL SVCS Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX in summary, 11 times in XX/XX/XXXX, 12 times in XX/XX/XXXX. spoke with 3 team members at discover and they all told me i would have to speak with the credit bureaus to make it stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : PROFESSIONAL FINANCE CO. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been 47 days, and they have NOT replied. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and PROFESSIONAL FINANCE CO has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Unauthorized use of ATM/Debit Card Account Ending in XXXX Claim Number : XXXX Amount : {$1700.00} Dear Sir or Madam : I am the victim of fraud. My ATM/Debit card was used for unauthorized transactions between XX/XX/XXXX, and XX/XX/XXXX. I did not authorize the transactions listed on the attached documents. In fact, I did not go into that store during that period of time, to the best of my memory. I did not authorize anyone else to use my ATM/Debit card. Also, I did have my debit card with me the day I went to notify the bank. I memorized my Debit card PIN and I do not have it written down anywhere. I do not have any idea of how my PIN was stolen from me. 
In XXXX XXXX the bank of America temporary credit my account, in XX/XX/XXXX the credit of {$170000.00} was removed. After that, I appeal the case and my account was credited in XX/XX/XXXX while my claim was in research. Finally, on XX/XX/XXXX the credit was remover again and the claim was closed.

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 2019-02-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hard inquiry by company. Dont know why this occurred. I dont know why this is showing on my credit report. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit pull. Hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: FL

Complaint narrative:
i came apon checking my credit for accuracy and found out my personal information has been used to open car loans and other accounts of some sort without my permission i was adviced to fill out this form to bring this issue to an end

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 2019-02-19 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Cain and Weiner are reporting inaccurate information on my credit report. I cancelled my policy with XXXX XXXX on XX/XX/2017. I received my final bill notice on XX/XX/2017 that I had a final balance of {$100.00}. I paid XXXX directly on XX/XX/2017 and have a receipt. I never had a debt with Caine and Weiner therefore I am asking for the immediate removal of this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I enrolled in a debt rehabilitation program after my student loans had gone into deferment. While I was completing the program, there were multiple reports submitted that the accounts were delinquent. When I inquired with the company, they said it would look this way and be reported as delinquent until I completed the program. They informed me once I completed, I would have a new company servicing repayment, and that the delinquent accounts would no longer be reported as such, and all the reported delinquencies would be changed and no longer negatively impact my credit score. I completed the program in XX/XX/XXXX, I was rolled over to a new loan services and have been with them ever since making payments on all my loans. The company informed me they would make changes to my credit report in 45 days. In XX/XX/XXXX, I followed up with the company and they said it should be processed at anytime, just keep waiting. In XX/XX/XXXX, they still had not made the changes to my credit report regarding the rehabilitated debt and that I was in good standing. When I called and requested for it to be done a third time, they said it would be expedited and submitted in two weeks. It is now the middle of XX/XX/XXXX and there has been no adjustments made.

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 2019-02-19 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: FL

Complaint narrative:
i came apon checking my credit for accuracy and found out my personal information has been used to open car loans and other accounts of some sort without my permission i was adviced to fill out this form to bring this issue to an end

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 2019-02-19 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: FL

Complaint narrative:
i came apon checking my credit for accuracy and found out my personal information has been used to open car loans and other accounts of some sort without my permission i was adviced to fill out this form to bring this issue to an end

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
The debt collector, Navient, calls my co-borrower, my elderly father, 7-9 times a day and they do not call me, the primary account holder. 

They stated on a recorded line that they would call him or I first since we are both on the account. I told them to look back at their records. He has never paid my loan ever and they need to call me and try to reach me before calling and harassing him. He is elderly and XXXX and they are taking advantage of him. They threaten him when they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Hard inquiry by company. Dont know why this occurred. I dont know why this is showing on my credit report. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
One or more banks ( credit unions and mortgage accounts ) may have improperly reported the number of accounts opened, paid, closed, etc. by XXXX XXXX XXXX. However, attached is the correct account information that is requested to be provided to the Federal Service Desk ( SAM.GOV ) for registration purposes and in regards to having funds deposited.

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 2019-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Loan was taken out in 2008 for {$21000.00}. Have been paying on the acct. for 10 years & now the balance is $ 26,000+.

Company response to consumer: Closed with explanation