vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-06-15 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: OR

Complaint narrative:
Both XXXX  and Equifax are reporting incorrectly that my credit utilization is 54 %. It has never been over 10 %, a fact confirmed by the sole creditor on my record. 

XXXX  refused to help me, with their agents repeatedly telling me that they couldn't do anything and that it was my fault because they don't make mistakes. I spoke to the supervisor, a man named " XXXX '', who again blamed me and my bank and told me they wouldn't help me. When I mentioned that the FCRA requires them to fix inaccurate information in a timely manner, he hung up on me. 

I have been unable to contact Equifax, despite several phone calls. They have also refused to remove a hard inquiry, that never happened from my record. XXXX XXXX XXXX XXXX  has verified that the inquiry never happened and is falsified. It also never appeared on the XXXX report, because it never occurred in the first place. 

My creditor, XXXX  XXXX XXXX, has said it is on the reporting companies to correct their mistakes, as XXXX  has provided accurate information, of which I was provided a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: SinglePoint GI
State: TX

Complaint narrative:
General Revenue Corporation is reporting debt of XXXX on my XXXX XXXX, XXXX, and XXXX  report. This debt was paid directly to XXXX University, not the in-house collection agency. General Revenue Corporation needs to remove collection agency and balance from all three credit bureau. Please see attached receipts and email from XXXX stating the collection account remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I have not received a bill from you and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ name of hospital/doctor ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns are very aggressive when they call. My husband have an account and I has an account. We were told they would merge our accounts. They would call ask to speak to husband and he would pay thinking we were paying. We went through financial difficulties due to sick dad. The agent were sharks and would lie to you and purposely set up payments after due date. They would set you up for payments tell you that you will be current and then hit your credit with a negative remark. They charged off my account when we were told they merged our accounts. Now my husband was current and next thing you know they hit his credit for 25 its with negative remarks as they continue to take payments out. I spoke to different agents and they all say the other person didnt do something right but no one corrects the issue. They take money out and then hit your credit. They make you promises and purposely give you wrong due dates and then charge you late fees and put 30/90/120 derogatory marks on your credit. I was just current and now they took out a new payment but reported me late and they help me setup payments. Agent said I apologize she set your payments after your due date. Just games and they hang up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting debt of XXXX on my Trans Union, XXXX, and XXXX  report. This debt was paid directly to XXXX University, not the in-house collection agency. XXXX XXXX XXXX needs to remove collection agency and balance from all three credit bureau. Please see attached receipts and email from XXXX stating the collection account remove.

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 2020-06-15 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting debt of XXXX on my XXXX XXXX, Experian, and XXXX  report. This debt was paid directly to XXXX University, not the in-house collection agency. XXXX XXXX XXXX needs to remove collection agency and balance from all three credit bureau. Please see attached receipts and email from XXXX stating the collection account remove.

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 2020-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Divorce is messy, but its even worse if youve got a joint federal student loan consolidation. At the time we received the Federal Joint Consolidation Loan it was marketed to us as an opportunity to lower payments with no counseling on potential risk. My husband became XXXX XXXX and XXXX  and the marriage ended in divorce after he XXXX XXXX XXXX. Despite the XXXX and XXXX  suffered  there is no way to separate a Federal Joint Consolidation Loan. There are few federal repayment plan options. I don't have login access to my account. I don't receive copies of my bills. Original bill was just at $ XXXX ( estimated ). The loan since graduation has grown to include over $ XXXX in interest and fees. My ex-husband is spitefully refusing to assist with payments and I have no recourse available to me. Normally a defaulted loan can be consolidated out of default. Given the fact that this is already a consolidated loan, the only was to get back into repayment is through rehabilitation. Congress and the Department of Education need to fix this issue NOW by allowing re-consolidation to Direct Loans for PSLF qualification and as a default cure. 
There should also be a mechanism for these loans to be split up in the event of a marital split. I've tried combing through and have asked for a detailed explaination as to how on earth the loan has accumulated over $ XXXX in interest and fees but Navient is not adequately able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax needs to remove XXXX XXXX XXXX debt from my credit file. This debt paid in full on XX/XX/2020. Please see the receipt for paid debt, and the email XXXX will remove the collection agency from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
MDS has violated my rights as a federally protected consumer. MDS is in violation of 15 usc 1692. I have outlined their violations in the attached documentation. I am. invoking my specified remedy as a federally protected consumer I am demanding a deletion from all of my consumer reports, and monetary compensation for each violation Pursuant to 15 USC 1692k. 
They failed and defaulted on my initial affidavit, this is an opportunity to cure their default.

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 2020-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake balance not reporting incorrectly on my XXXX XXXX, XXXX, and XXXX  ; balance XXXX. XX/XX/2020 payment sent to Westlake.Also, monthly interest is not reporting right ; I would like to get these interest calculation fix. Also, need Westlake to remove the loan account from adverse with XXXX XXXX file. This account has not been 90 days late on any debt or having any Title IV debt within the past five years subjected to default determination, bankruptcy, discharge, foreclosure, repossession, tax lien wage garnishment, or write off. I spoke with XXXX XXXX, XXXX, and XXXX, the supervisor on XX/XX/2020, and the account is still reporting inaccurate information on XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have contacted Ally Financial on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, as it relates to my car loan account not being reported to the credit bureaus. It has not been properly reported since XXXX XXXX. I have made signifigantly large payments on my loan which have not been reported. 



I would like to ensure that my car loan is reported with me owing the amount I currently owe which is 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 2020-06-15 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: DISCOVER BANK
State: CA

Complaint narrative:
I open an account with Discover Bank. During 911 I became unemployed and went into an agreement under the Obama debt forgiveness with Discover. I paid all payments on time. Discover is reporting as a negative on my credit because it was less than balance. However, I received a 1099 and had to report as income on my taxes. Therefore this account is paid in full.Discover needs to delete. At no point was their a disclosure that if I paid an agreed amount that there would be a negative reporting. Discover later also had a class action suit where I received a check for overcharges.They are in violation of false reporting. I have emailed them on numerous occasions and s. Discover needs to remove the derogatory information and reage my account to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
Dunlap Gardiner LLP has violated my rights as a federally protected consumer. Dunlap Gardiner is in violation of 15 usc 1692. I have outlined their violations in the attached documentation. I am. invoking my specified remedy as a federally protected consumer I am demanding a deletion /dismissal, and monetary compensation for each violation Pursuant to 15 USC 1692k. And garnished funds returned

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: IL

Complaint narrative:
I have tried and contacted equifax on many occasion and have not yet received a copy of my credit report and still after 2 yrs cant get my free online credit report thru the XXXX XXXX XXXX  site

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: TX

Complaint narrative:
XXXX  XXXX account shows on Equifax 90 % utilization. XXXX  XXXX account paid down to 10 % utilization on XX/XX/2020, and the billing cycle closed on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Item purchased at whats was supposed to be XXXX XXXX XXXX that belongs to sears at XXXX XXXX XXXX XXXX XXXX  il XXXX to find out this is not sears. I used my sears credit card on this purchase but i never received the item. they could never deliver it when I set time to be at home, I have not received anything so i cancelled order. But I have paid my sear credit card for the item in full. I cant get my money back from the credit card or the store when they have not and did not deliver the item and i cancelled the order and paid for delivery. I have called multiple times and have faxed requested documentation and was told it was received and still issue not resolved for paid item that i did not receive

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: TX

Complaint narrative:
XXXX  XXXX account shows on XXXX  90 % utilization. XXXX  XXXX account paid down to 10 % utilization on XX/XX/2020, and the billing cycle closed on the 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 2020-06-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have attempted to contact XXXX, XXXX  and Transunion. I have sent mail since XX/XX/XXXX and have yet to get any documentation on the investigation results. My personal information and credit report have so many inaccurate information. It has been past the 30 days and yet to be fixed. 

As per The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I have been violated and remedy asap. 

This section of the FCRA was amended by 602 of the Economic Growth, Regulatory Relief, and Consumer Protection Act ( P. Law 115-174 ) effective May 24, 2018. 

I will attach discrepancies below

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 2020-06-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attempted to contact XXXX, Experian and XXXX. I have sent mail since XX/XX/XXXX and have yet to get any documentation on the investigation results. My personal information and credit report have so many inaccurate information. It has been past the 30 days and yet to be fixed. 

As per The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I have been violated and remedy asap. 

This section of the FCRA was amended by 602 of the Economic Growth, Regulatory Relief, and Consumer Protection Act ( P. Law 115-174 ) effective May 24, 2018. 

I will attach discrepancies below

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 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Attempted Linking XXXX account and PNC Bank checking account. PNC Bank stated I was no longer permitted to have these privileges due to the prior amount of overdraft fees on my account. I believe this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: CA

Complaint narrative:
On XX/XX/2019 per my credit report Capital One Auto Finance did a credit check without my authorization. My credit file at the time had a fraud alert due to prior comprised file. Capital One never spoke to me nor did I authorize a third party to share my information. Capital One Auto contacted me and I never responded to them cause I had credit already. Capital One needs to prove they spoke to me on a recorded line directly and my consent was given. They need to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: LA

Complaint narrative:
I spoke to a representative from Fedloan Servicing in reference to the accuracy of missed payments. XXXX  showed XX/XX/2017 and XXXX  showed XX/XX/2017. The representative advised me on the phone that they processed a deferment/forbearance XX/XX/2017. She sent me a direct dispute form and I submitted it. Now XXXX  shows a missed payment for XX/XX/2017 and XXXX  XX/XX/2017. If the payments were postponed XX/XX/2017 there should be no missed payment for XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: Westlake Services, LLC
State: CA

Complaint narrative:
On XXXX Westlake Financial did a credit hard inquiry without my consent. Per TILA I must be aware of what the contract loan is. I never spoke to nor authorized Westlake or any third party to give consent for them to violate my privacy. My credit file had a fraud alert on it and clearly states I must be contacted before credit is ran. I never spoke to Westlake verbally or gave a written consent. Westlake sent me a letter of apology which states their inquiry was no effect on my credit report which is untrue. They did a hard pull not a soft inquiry.

Company response to consumer: Closed with explanation