vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is showing deformatory information that is causing me harm, in fact the account from XXXX XXXX XXXX XXXX  has been PAID TWICE AND SHOULD NOT BE ON MY XXXX XXXX   REPORT BECAUSE I HAVE EXPERIENCED BAD OUTCOMES FROM THIS, THE MISLEADING INFORMATION NEEDS TO BE REMOVED IMMEDIATLY BECAUSE IT DOES SHOW PAID 100 PERCENT BY INDIVIDUAL AND ALSO I SENT IN PAYMENT A FEW WEEKS AGO AND THEY ACCEPTED MY PAYMENT BECAUSE THEY DID NOT SEND IT BACK TO ME, THEY KEPT IT, SO XXXX NEEDS TO SEE MY TANGIBLE EVIDENCE AND REMOVE THE FRAUDULENT INFORMATION AT ONCE BECAUSE IT IS NOT VALID

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
VIOLATION { FDCPA } { 805 } { 15USC1692 } ( C ) [ PARA ] ( C ). CAUSING THE TELEPHONE TO RING REPEATEDLY OR CONTINUOUSLY AND MAKING REPEATED AND CONTINUOUS TELEPHONE CALLS WITH THE INTENT TO HARASS AND INTIMIDATE THE PERSON AT THE CALLED NUMBER 3 TO 4 TIMES DAILY..A CEASE AND DESIST COMUNICATION DEMAND LETTER WAS GIVEN TO THE CASH STORE ON XX/XX/18 AT THERE CORPORATE OFFICE AND THE LOCAL BRANCH BUT THEY JUST IGNORE MY LETTER.AND KEEP ON HARASSING ME AND CALLING MY SON AT WORK GETTING HIM IN TROUBLE BECAUSE THEY DON'T ALLOW CALLS.THEY CALL MY FAMILY MEMBERS ASKING QUESTIONS NOT RELATED TO ANY LOAN PROBLEM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXXthat are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by Target in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX   about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: AL

Complaint narrative:
I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX   about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their 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 2018-04-04 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: NJ

Complaint narrative:
XXXX student loan was Paid off and never late it was in forbearance us dept of ed paid on time and never late it was in forbearance XXXX XXXX   Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: NJ

Complaint narrative:
XXXX student loan was Paid off and never late it was in forbearance XXXX XXXX XXXX XXXX paid on time and never late it was in forbearance XXXX XXXX   Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: NJ

Complaint narrative:
XXXX  student loan was Paid off and never late it was in forbearance XXXX XXXX XXXX XXXX paid on time and never late it was in forbearance XXXX XXXX   Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX XXXX in XX/XX/XXXX sent my mortgage payment back said the amount was insufficient to cure my delinquency and my account isn't under a payment plan and accelerated the loan every since then they either send my payment back or kelp the payment, now the amount is {$12000.00} as of XX/XX/XXXX is what they are asking me to pay. I have been trying to get answers from them over a year now I wrote to them on three difference occasion couldn't get them to respond to any of the two letter finally they respond to the third letter said there was an error that has occurred on the loan due to a complaint and summons XXXXXXXX XXXX XXXX XXXX XXXX  filed Affidavit for Lien they inadvertently placed the incorrect coding on the loan for monitoring my account which cause payments not to be accepted so this is what the letter states, remind you I send in a payment every mouth they send some back kelp some now they said the current amount is due at this time is {$6900.00} this is still a problem they still have payments they haven't sent back to me yet and I suffer over a year with this error. they order me back in XX/XX/XXXX to do a modification or refinance, or a short sale I told them I have no interest in doing any of those things that I'm making my payments I'm not behind on any of my payments if they had just taken the payments CitiMortgage cause all of this by not accepting my payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
on XX/XX/XXXX at XXXX i check my credit score an notice HARD Inquiry details from Syncb/jcp there is an hard inquiry from XXXX  XXXX, XXXX that i did not consent to nor was acknowledge of being on my credit an would like this removed. I did not an never consent contract or gave permission for my credit too be ran for a XXXX XXXX XXXX XXXX XXXX Syncb/jcp XXXX, FL 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 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I attended XXXX College and it was closed for fraud. I have reported this issue and XXXX  says they do not see school as closed. They keep reporting to my credit that I am not paying loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I attended XXXX College and it was closed for fraud. I have reported this issue and XXXX  says they do not see school as closed. They keep reporting to my credit that I am not paying loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: CA

Complaint narrative:
I mailed out to Experian to add my Release of Lien via Document number XXXX  by the State Board of Equalization delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/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 2018-04-04 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: MN

Complaint narrative:
This is the 2nd time in 3 years I ran my credit report online.. The first report always is a success, then the next 2 fail. They have improper information that might make it fail. 
I have tried calling etc. Many hours into this, and they do not seem interested in fixing the incorrect info. You, would think they are XXXX or the Government. My info has been hacked also does the Gov. fine them NOOOOOO. I was able to run XXXX  but then it failed because thier were address 's that I did not live at ever and maybe laons not mine. How do you pass their questions when they atre incorrect. wouod be nice if they wouod talk to me too fix errors!!!!!!! 
Also fix their unfriendly annual credit report. 
I'm 100 % sure they will say its for my security. The question like when did you take out a home loan that has been payed of for 3yrs. Even the bank couod not tell me what year I took out the home loan that has been paid for 3 yrs. Appears to me they want you too fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: MA

Complaint narrative:
I first checked my credit report in XX/XX/XXXX when I received a letter from a collection report ( XXXX XXXX ) for XXXX XXXX It stated that we owed XXXX on a vehicle account. This account was Paid in full for which we received a Title and congratulatory letter for paying this loan off. We then donated the auto to XXXX XXXX XXXX and gave them the title.

I sent all this information to both XXXX and Experian in XXXX  Tx XXXX. Getting no result I filed a complaint with Experian in XX/XX/XXXX. As of XX/XX/2018 there has been no resolution.

I wrote Experian a letter saying if this wasn't resolved I would consult an attorney.

Still no resolution. I hope you can help us with this problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
IQ Data International is reporting to XXXX, XXXX, and XXXX XXXX   that I have an outstanding balance with XXXX  Apts for {$2600.00}. I have spoken with the manager at XXXX apartments, XXXX XXXX- ph # XXXX, and she tells me that I resolved my balance with their community. I have explained this to IQ Data Systems, but they are telling me that they will not take this collection account off of my credit report unless I pay them {$2300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
It is very important to note that I am a victim of identity and this company fails to take this into account. I first disputed this on XXXX.XXXX.18 and sent over all the documents to verify my claims but to my surprise, these company still reports these fraudulent or linked to fraudulent activity accounts.

I do hereby declare my intention to sue however, I will greatly appreciate if we can do away with the legal battle and have this good office do the following : ( 1 ) remove any and all misleading personal information items, ( 2 ) update and correct the accounts that Ive stated in the attached letter, ( 3 ) remove/delete the other accounts that are not mine and which I have absolutely no knowledge of, or are unverifiable, incomplete, and obsolete.

Among the particular items of focus is the reporting of the following : 1. ) XXXX XXXX  ref # XXXX  late payment history incurred due to fraudulent activities on this account.

2. ) XXXX XXXX XXXX ref # XXXX  -- - this is not my account. I am not liable on this account. Delete this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I had a collection debt with XXXX that was being reported on my credit report by a collection agency named Ad Astra. In XX/XX/XXXX, I contacted Ad Astra and reached a settlement agreement to resolve this debt. The settlement arrangement was funded on XX/XX/2018. For some reason, Ad Astra is still reporting that I owe {$480.00} to XXXX XXXX, even though I settled this debt two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: DISCOVER BANK
State: IL

Complaint narrative:
on XX/XX/XXXXat XXXX i check my credit score an notice HARD Inquiry details from XXXX there is an hard inquiry from XX/XX/XXXX that i did not consent to nor was acknowledge of being on my credit an would like this removed. I did not an never consent contract or gave permission for my credit too be ran for a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: LendUp Loans LLC
State: IL

Complaint narrative:
I, XXXX XXXX, applied for a Pre-approved Credit Card and was approved for a Credit Card via XXXX  for {$1000.00} Credit Line on XX/XX/XXXX. I received a credit card onXX/XX/XXXXand proceeded to activate my credit card via phone for purchases. The automated credit card services at XXXX ( XXXX ) indicated that my Credit Card Balance of {$1000.00} is available for purchase. I was later informed via email address ( XXXX ) that I needed to submit via uploading into their website additional verification information ; specifically copies : Social Security Card ; Recent Utility Bill, and Drivers License in order to gain access to my Credit Card Line of Credit. I proceeded to email and upload all requested documents on XX/XX/XXXX and XX/XX/XXXX.

I called XXXX   at XXXX to inquire about the status of receipt of my required identification documents and the customer service representative verified receipt of my Drivers License and XXXX XXXX XXXX  Utility Bill and indicated that for some reason Card Services could not receive the emailed uploaded copy of my Social Security Card which was very concerning since Card Services received the Drivers License and XXXX XXXX XXXX Utility Bill from the identical email address : ( Support ) XXXX.

I spoke with a Card Services Representative about their indication that my copy of my Social Security Card was not be received mysteriously and I re-emailed it at least 4 times ( between the dates XX/XX/XXXX and XX/XX/XXXX ) and 3 times while the Customer Service Representative was on the phone line around XXXX XXXX CST on XX/XX/XXXX. No plausible reason was provided as to why my Social Security Card was not received which is sensitive personal indentification information.

On XX/XX/XXXX, the Customer Service Representative did not provide an alternate email address for me to upload and email my Social Security Card in order for my Credit Line to be made available. I was simply told that my Credit Card will not be activated until XXXX  receives a copy of my Social Security Card. I am extremely concerned that my personal identification information has been obtained for Fraudulent Reasons and never was intended to provide me a Credit Card Line of Credit. I requested to escalate my concerns to a Supervisor and was denied an opportunity to complain to a Supervisor or Member of Management for review.

I had no other choice but to file a complaint with CFPB on XX/XX/XXXX to protect my personal identification information to avoid potential fraudulent activity with personal identification information submitted for XXXX Credit Card approval and usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
On XX/XX/2018 I applied to get an Equifax Credit Score check report. I submitted all my details and authentication questions. I understood my credit card would be charged but as I clicked submit I got an error message saying my process could not be done from Equifax side. I assumed since they could not provide my report that my credit card would not have been charge, yet it was. {$23.00}. When I try log in, it says my account needs to be reauthenicated and I And purchase this service. I have paid {$2300.00} for nothing from Equifax and i need my credit score report for a rental application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I had a collection debt with SpeedyCash that was being reported on my credit report by a collection agency named XXXX XXXX. In XX/XX/XXXX, I contacted XXXX XXXX and reached a settlement agreement to resolve this debt. The settlement arrangement was funded on XX/XX/2018. For some reason, XXXX XXXX is still reporting that I owe {$480.00} to Speedy Cash, even though I settled this debt two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I was disputing a charge with a card for XXXX and I had a disputed amount on the account. When I paid for most of my balance it did not let me specifiy which account to pay it to. I began accruing interest for a charge I believe was in dispute. I called and asked the bank to remove the interest charge so I can pay it in full. They refused and blatantly showed disregard for my concerns.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-04 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: CA

Complaint narrative:
I mailed out to Experian to add my Release of Lien via Document number XXXX  by the State Board of Equalization delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/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