vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-13 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: Berlin-Wheeler, Inc. (Kansas)
State: NM

Complaint narrative:
Someone used my Social Security number and opened a XXXX XXXX account -- -- which is now in collections and has appeared on my credit reports with XXXX and XXXX. Berlin Wheeler Inc should be sued for publishing false public information about me. -- - without checking their facts. Below is my notification from XXXX : Alert Date XX/XX/2019 Source XXXX XXXX BERLIN WHEELER INC Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/2019 Balance {$660.00}.

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 2019-07-13 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: GA

Complaint narrative:
Checked my credit report and I have two collections accts that have driven my credit score down dramatically after I have worked hard to pay off old accts. I have a common name and this problem has happened before but these two creditors aren't willing to help rectify the situation. 

I am a XXXX who works on the road and I know I hadn't opened or defaulted on any accts so I hadn't checked my credit score in a few month but low and be hold when I did I had a pleasant surprise. Two of someone else 's delinquent accts.

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 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eagle Accounts Group, Inc.
State: FL

Complaint narrative:
I have a problem with multiple collections held and reported by Child Support Enforcement, even though I have provided proof of dismissal by a judge. 
The documents have been sent by myself to the top 3 CRA 's and I have petitioned XXXX numerous times beyond measure to update their database on me. All queries have gone unanswered and unverified. This is to the point of harassment as it affects my life in a financial nature. 

I am current on all payments and the amounts reported by XXXX that are inaccurate must be removed from my file and updated.

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 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX and Navient have file negative history on my credit reports with all three bureaus. During the time my student loan debt was reported the companies were sending paperwork and contacting my father ( same first and last name ) that I was not associated with at the time. I had not spoke to my father for several years and was not getting the notifications of who owned my student loan debts. 

I have now consolidated all of my student loans and not missed a payment for almost two years. My credit score is solid, but these negative marks are holding me back. I am asking for the items to be deleted from my all three bureaus because there is a XXXX  balance with the two companies. At this time I am up to dates on everything and would like things to be corrected because I did not know of defaulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
1 ) Citi Thank you preferred closed my credit card account with out any notice on XX/XX/XXXX. 

2 ) I reached out to citi credit card they said letter is sent on XX/XX/XXXX specifying reason to close my account. but letter should arrive in 7-10 business days. I am waiting for letter. 

3 ) There were more than XXXX $ in reward programs that card issuer owe me but i asked citi tXXXX XXXX on phone it says my rewards program money is forfeited as they decide to close my card. 

4 ) I have mostly paid all amounts in full and never went overdue for payment. 

5 ) They did not give notice in advanced to forfeit and robbed my XXXX $ money that i was trying to save as my rewards. 

6 ) For communication now card issuer is asking to complain or ask at card service support unit by mail that is so ridiculous in the world of internet. They want me to mail a complaint by letter which is rare. 

7 ) I received letter one month in advanced for checking/savings accounts closing so i could take actions properly and create another account with different bank. But that letter had nothing mentioned about credit card. Also i talked to citi credit card customer services they said closed checking/savings account will not affect to my credit card and i continued using citi card after that too. 

I am outstanding credit user and this is ridiculous from card issuer. I want justice and my money back without affecting my XXXXredit score. I have paid full balance + advanced interest charge too so that nothing can impact my credit score.

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 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: TN

Complaint narrative:
I have an old account with XXXX light gas and water. I received a collection from XXXX XXXX XXXX mid-XXXX. I set up a payment plan and have started paying. I received another collection notice about this same account from Universal collection agency in XXXX tn. Well not a notice, They report to my credit report without contacting me. I have already made arrangements to pay this with another collection agency. How can they sell the debt to two different agencies.?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: GA

Complaint narrative:
Checked my credit report and I have two collections accts that have driven my credit score down dramatically after I have worked hard to pay off old accts. I have a common name and this problem has happened before but these two creditors aren't willing to help rectify the situation. 

I am a XXXX who XXXX XXXX XXXX XXXX and I know I hadn't opened or defaulted on any accts so I hadn't checked my credit score in a few month but low and be hold when I did I had a pleasant surprise. Two of someone else 's delinquent accts.

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 2019-07-13 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: GA

Complaint narrative:
Checked my credit report and I have two collections accts that have driven my credit score down dramatically after I have worked hard to pay off old accts. I have a common name and this problem has happened before but these two creditors aren't willing to help rectify the situation.

I am a contractor who works on the road and I know I hadn't opened or defaulted on any accts so I hadn't checked my credit score in a few month but low and be hold when I did I had a pleasant surprise. Two of someone else 's delinquent accts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and XXXX have file negative history on my credit reports with all three bureaus. During the time my student loan debt was reported the companies were sending paperwork and contacting my father ( same first and last name ) that I was not associated with at the time. I had not spoke to my father for several years and was not getting the notifications of who owned my student loan debts. 

I have now consolidated all of my student loans and not missed a payment for almost two years. My credit score is solid, but these negative marks are holding me back. I am asking for the items to be deleted from my all three bureaus because there is a XXXX balance with the two companies. At this time I am up to dates on everything and would like things to be corrected because I did not know of defaulting.

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 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: GA

Complaint narrative:
NelNet and XXXX have file negative history on my credit reports with all three bureaus. During the time my student loan debt was reported the companies were sending paperwork and contacting my father ( same first and last name ) that I was not associated with at the time. I had not spoke to my father for several years and was not getting the notifications of who owned my student loan debts. 

I have now consolidated all of my student loans and not missed a payment for almost two years. My credit score is solid, but these negative marks are holding me back. I am asking for the items to be deleted from my all three bureaus because there is a XXXX balance with the two companies. At this time I am up to dates on everything and would like things to be corrected because I did not know of defaulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
This company has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Furthermore the name on the statement along with the address is inaccurate. Upon contacting the original creditor they was able to pull up an account with the name used on the statement which they claim is validation. She told me the account was closed in XXXX. However they have it reported on XX/XX/XXXX? Seems to be to me they are attempting to re-age an old debt. Not only that, but the amount they have reported is {$870.00} and the amount they have on the statement they sent me is {$870.00} I know this information has to match exactly. I am making a final goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in theyre reporting. I have attached my birth certificate as well as my drivers license. I have also included what I sent them, when they signed for it and what they sent in response to this invalid account on my credit.

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 2019-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Last XX/XX/XXXX I made a balance transfer from Synchrony ( Sams Club ) Bank to XXXX XXXX in the amount of {$4000.00} dollars .... XXXX XXXX started charging me for the balance transfer as agreed ... Synchrony Bank never adjusted my balance for {$4000.00}, today they are charging me interest on money that they have stolen, and they have messed up my credit score for nearly 100 pts. despite the bill having been paid on time at all times ...

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 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2019 I paid in full a debt owed to XXXX XXXX XXXX. As of today XX/XX/2019 after numerous contacts with Experian and XXXX XXXX XXXX whom stated they have updated the report to reflect paid. I also provide Experian with a copy of the letter and receipt that proves payment was made in full. Amount owed XXXX amount paid 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 non-monetary relief
Consumer complaint received 2019-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Sychrony Bank : Approved me for 2 furniture cards XXXX XXXX   and XXXX XXXX XXXX, blocked card for use and stated I need to verify my ss # and it will take 30 days, I ADVISED THEM IM IN THE MIDDLE OF CLOSING ON A HOME AND DIDNT KNOW I WOULD BE BLOCKED ON NEW APPROVED CREDIT CAUSING MY SCORE TO DROP 216 POINTS WHY ON EARTH ARE THEY NOT ABLE TO CONTACT XXXX AND XXXX AND MOVE THESE HARD INQUIRIES OFF MY CREDIT REPORT WHICH IS ON XX/XX/XXXX ADDED TO MY CREDIT AND NOT ABLE TO USE THE CARDS AND ALSO WAS DECLINED FOR A XXXX XXXX CARD WITH THEM WHICH IT ALSO CAUSED A ADDITIONAL 29 POINTS DOWN ON MY CREDIT I HAVE SPOKEN WITH THE CREDIT BURUEA TO HAVE THEM DISPUTE THE ISSUANCE AND THEY HAVE MY ACCOUNTS BLOCKED AND I ASK THEM TO DROP THESE CARDS SINCE IM NOT ABLE TO USE THEM AND I WOULD MAIL THESE CARDS BACK THEY STILL WOULD NOT DO ANYTHING AND I HAVE READ WHERE THEY HAVE DONE THIS TO A LOT OF CONSUMERS!!!!! I NEED THIS ISSUE RESOLVED MY CREDIT RESCORED AND I JUST OPENED THE ACCOUNT XX/XX/2019  AND XX/XX/XXXX IT WAS PLACED ON MY CREDIT AND BLOCKED WITH NO RESOLVE FROM THERE CUSTOMER SERVICE AGENTS NOR THERE ACCOUNT MANAGER.

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 2019-07-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
I was struggling towards the end of my lease with Nissan Motor Acceptance Corporation. I had forgotten to pay some fines and my license got suspended and I was in between places so I didnt get the message. I get pulled over and my car impounded. I call Nissan and inform them that I was having issues and I know Im 2 months late and this will be the third but Ill be able to pay them a week later on payday. They say its not a problem. I pay to get my license restored and my car out the impound with the money I had to pay NMAC with. When I get up to drive to work for the first time in 3 days my car is gone and the police inform me that it was repossessed. I call NMAC and they say since it was so close to the end of the lease they arent willing to take a payment at all and that the car will be auctioned off. They auctioned it off at far lower value than it was worth and Im stuck with a nearly {$9000.00} debt for a car I no longer own. The collection practices by the debt collector have been very persistent. Almost to the point of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I applied for and received federal student loans while I was in medical school. I made every payment on time and consistently renewed my income-driven repayment plan yearly, on time and without issue. In XX/XX/XXXX, the due date on my income-driven repayment plan lapsed because I had not received an email alerting me of the yearly requirement for renewal. Upon receiving an email on XX/XX/XXXX that there was an action required on my account, I logged in to find that, because I had not submitted the income-driven plan renewal, ( 1 ) the entire outstanding interest on my loans had capitalized ( + {$19000.00} ) increasing my principal balance by ~10 % and ( 2 ) my monthly loan payment had quadrupled ( to ~ {$2100.00} ). 

I also found that I had been sent -- electronically -- one single notification on XX/XX/XXXX to renew my income-driven plan. However, the email alerting me that I had an action pending on my account was not sent. Moreover, I received no other alerts from FedLoan servicing that I needed to renew my income driven plan. Instead, on XX/XX/XXXX, the above occurred. 

I called FedLoan Servicing several times between XX/XX/XXXX and XX/XX/XXXX to discuss the matter. I was forced to submit a one-time forbearance on my XX/XX/XXXX payment because it was ~ {$2100.00}, and I could not afford it. I was encouraged by a supervisor at FedLoan servicing to submit a letter explaining the above described circumstances in order to trigger an investigation and to revert the principal to its prior balance. I was told to expect a response in 2-3 months. 

It has been 6 months since my submission and despite two other calls to the company over that time period, I have not heard a response. 

I have been consistent and timely throughout the life of my loan. I have paid every payment required of me over the life of the loan and I had renewed my income-driven plan without lapse as well. This was an unfortunate event, not consistent with my prior character, that has cost me a 10 % increase in my principal balance and will cost me tens of thousands of dollars over the life of the loan. Also, despite the costly nature forgetting to renew my income-driven plan, I only received one notification from the company to perform this task. I formally disputed the capitalization in a timely fashion ( within days of being notified, on XX/XX/XXXX ) and have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Verisk Analytics Inc
State: TX

Complaint narrative:
In XX/XX/XXXXI requested a security freeze with LCI Inc. I received a letter back dated XX/XX/2019 that they are unable to do such a thing because they are not a Credit Reporting Agency blatantly implying they do not have to follow the credit reporting laws that protect consumers. This company has a partnership with XXXX where it FURNISHES information ( public bankruptcy details ) and that is REPORTING. This can not possibly be legal. They also stated in said letter that they do not need my permission to share information under applicable federal law or regulation. If they are furnishing/reporting/supplying/verifying information with a Credit Reporting Agency or another similar company then they should be compliant with the consumer credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX are in violation of FCRA. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I've demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts in dispute. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts I requested to have verified.

I submitted 2 letters along with driver 's license, social security card, and cell phone bill to prove my identity and current address over the last 60 days requesting verification and have received 0 verifiable proof. 

I have 2 accounts that have not been properly verified and are still being reported on my credit report. 
1 account is for {$610.00} and the second account is for {$4100.00}.

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 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Verisk Analytics Inc
State: TX

Complaint narrative:
In XX/XX/2019 I contacted LCI Inc ( part of Verisk Analytics ) to put a security freeze on the report they furnish/manage. I received a response letter by mail dated XX/XX/2019 that states they are not a credit reporting agency, freezing my account is not possible, they do not need my permission to supply this data to XXXX. In my personal opinion, they are a credit reporting agency and need to START acting like one by being compliant with the consumer credit reporting laws. If they are furnishing/verifying/supplying/giving public data such as bankruptcy information to another company, Credit Reporting Agency XXXX , then they ARE a credit reporting agency that is OUT of compliance!

Company response to consumer: Closed with explanation