vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 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: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page 27 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: ND

Complaint narrative:
After four unsolicited " transfer or sold '' servicers of my student loans, I have been with FedLoan since XXXX of XXXX. I have been working toward the PSLF program having submitted my first employer verification form in XXXX of XXXX, another on XXXX, XXXX and XXXX. I have worked for the same agency 18+ years. I first contacted Fedloan in XXXX of XXXX asking about my " qualifying payments ''. They responded that I had 11 qualifying payments. I then made at least 4 email inquiries asking them what form of proof I needed to submit to prove additional payments had been made and under the correct plan. I then contacted them in XXXX of XXXX, and was told my payments were still at 11. I contacted them in writing again in XXXX of XXXX and received a response from them in XXXX of XXXX saying I had 11 qualifying payments, after I had made at least 30 qualifying payments directly to them. I then spend endless hours reviewing an gathering my documents which proved qualifying payments. I once again requested an update on my qualifying payments and was told I had not re-certified my employment, which once again I had, but I resubmitted it. In early XXXX of XXXX I logged into U.S. DEPARTMENT OF EDUCATION, NATIONAL STUDENT LOAN DATA SYSTEM ( NSLDS ) and they reported that I had made 114 monthly payments made ( 114/120mo ) 95 % toward my PSLF. I contacted them again and asked how to get this corrected. they told me that the NSLDS was incorrect, and that only Fedloan could decide my qualifying payments, and it could take 3-6 months to do so. I once again asked who could receive my proof of payments and they said they did not need them as they had all of the history on my student loans. They then failed to process my IBRP paperwork that was sent on XX/XX/XXXX, so my payment jumped to XXXX a month which caused me overdrafts at my bank, and for ht first time on years for my loan payment to be late. I got that resolved an returned to my auto pay, Today I checked to see what they had for " qualifying payments '' and it said 71. I then logged innto the exact same U.S. DEPARTMENT OF EDUCATION, NATIONAL STUDENT LOAN DATA SYSTEM ( NSLDS ) and found they had changed my qualifying payments to 71 as well, in addition to other information on the report being changed. I have every document needed to prove payments were made that far exceed the 71 I am currently being credited with including credit bureau records. I could produce all email contacts and proof of my inquiries since XXXX. I can not begin to count the hours I have spent trying to resolve this discrepancy. I am now over the 120 payments and will need to continue to make payments to protect my credit. This is illegal in every way, but allowed because no one is in charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: FL

Complaint narrative:
during the month of XX/XX/2019 I was employed at XXXX XXXX  on XXXX  XXXX I was given a XXXX XXXX or XXXX XXXX card which I pay roll was deposited onto.somehow I misplaced the card so I returned to work and explained the situation to my boss.he gave me a number to call inorder to receive a new card.now this is where I encountered problems.they would ask me my name along with a physical address and ssi number.then they would ask me when the money get deposited on to the account? I told them two depoists were made during the month of XX/XX/XXXX so why can't you look up my account to see what the amount was..and at point I would be a check was mailed on XX/XX/2019 please allow 10 business days inorder to receive the funds. the total amount is XXXX but as of XX/XX/2019 I haven't received a penny.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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:
I have been a victim of identity theft back in XXXX of XXXX, and someone opened a XXXX XXXX  Account in my name fraudulently. I have disputed this account with Experian numerous of times and they still have not blocked/removed this account from my credit report. They did one time in XXXX of XXXX but reappeared back on my Experian credit file in XXXX of XXXX. I am very upset because Experian is violating the FCRA of reporting fraudulent information on my credit report. I have given them a police report, an identity theft affidavit proof of identity documents. Also, XXXX XXXX keep verifying this account as accurate, which I am filing a complaint against them as well. I am very dissatisfied with Experian because they are not taking this matter serious, and it is affecting my credit score rating with Experian, which is hindering me from obtain credit with favorable interest rate. Please have Experian to remove/block the XXXX XXXX ( Charged-Off ) account ending in XXXX from my Experian credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 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: OR

Complaint narrative:
In XX/XX/XXXX/ XX/XX/XXXX, credit reporting agencies reported that two of my accounts were seriously delinquent. In fact, no accounts ever have been delinquent, nor even late, in the entire history, over twenty years. FICO was interpreting the changing hands of two student loans ( loans which had never been in repayment ) as Seriously Delinquent. My FICO score dropped 50 points, and these points have not rematerialized with TransUnion and XXXX both stating there is no  substance to support the claim that a delinquency exists. No creditors claim any amount is owed. Special Handling department at TransUnion has no evidence of any delinquency, ever,. I've been asked to acquire copies of my credit report, ostensibly to assure me there is no delinquency ( something I already know ), however, these several dozen reports always tell me what I already know : I've never missed a payment, let alone been seriously delinquent ; The fifty points which dropped from my FICO score did so wrongfully, and FICO is  primarily responsible, with reporting agencies and creditors also bearing responsibility for reporting to me, and others, this completely inaccurate and damaging information. They deny that their algorithm is responsible, and point me to copies of my credit report and other entities like creditors and credit reporting agencies as the responsible parties. 

There was no delinquency. I want my Fifty points back. Please offer evidence ion the negative mark/serious delinquency which your company claim ( ed ) exist ( s ), or inform FICO they have a problem that requires correction and are obligated  to provide restitution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Card services is reporting on a debt I do not owe. My account information was stolen and fraud charges were committed. A police report was submitted, and I was told this debt would not be my responsibility by Wells Fargo. This debt is not mine and needs to be removed off of my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX XXXX XXXX   stating that i owe {$620.00} for a collection on a XXXX XXXX credit card that I let go unpaid. Knowing that this was true I paid this collection agency the full {$620.00}. Soon after that I started receiving calls from Midland Funding, LLC demanding {$680.00} and some odd cents for the same collection that I had just paid. Midland has called numerous times demanding I pay the {$680.00}. I have even offered to settle with them with much hesitance since I already paid it just so this is resolved. I offered to pay 50 % of the total and was denied. On XX/XX/XXXX I sent a letter that included a dispute clause and the letter from XXXX XXXX XXXX showing it had been paid in full. Then today XX/XX/XXXX I called again to ask what the status on the dispute was. I was told that because their account # didn't match the one on the letter I sent it was denied. I asked if they had the same accounting software and systems the other company has and they replied no. I said you are two separate companies so why would you have the same reference # 's? I offered again to settle at 50 % and was told no. I then took a cease and desist letter to the mail and dropped it off on XX/XX/XXXX and notified them I would be sending it and filing a complaint against them. I have disputed with the credit agencies and Midland Funding, LLC on several occasions and nothing is ever resolved. I believe this company is falsely telling me that I owe a debt that has been paid and will not drop it until they are paid in full. I do not feel inclined to pay this debt twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested for fraud alert removal and it's still showing on my account and this is affecting my ability to open a bank account. I need the fraud alert removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: GA

Complaint narrative:
I have been a victim of identity theft back in XX/XX/2010, and someone opened a Discover Bank Account in my name fraudulently. I have disputed this account with XXXX numerous of times and they still have not blocked/removed this account from my credit report. They did one time in XX/XX/2018 but reappeared back on my XXXX credit file in XX/XX/2019. I am very upset because XXXX   is violating the FCRA of reporting fraudulent information on my credit report. I have given them a police report, an identity theft affidavit proof of identity documents. Also, Discover Bank keep verifying this account as accurate, which I am filing a complaint against them as well. I am very dissatisfied with XXXX because they are not taking this matter serious, and it is affecting my credit score rating with XXXX, which is hindering me from obtain credit with favorable interest rate. Please have XXXX to remove/block the Discover Bank ( Charged-Off ) account ending in XXXX from my XXXX   credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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:
I have been a victim of identity theft back in XX/XX/XXXX, and  someone opened a XXXX XXXX XXXX XXXX XXXX  Account in my name fraudulently. I have disputed this account with Equifax numerous of times and they still have not blocked/removed this account from my credit report. They did one time inXX/XX/XXXX but reappeared back on my Equifax credit file in XX/XX/XXXX. I am very upset because Equifax is violating the FCRA of reporting fraudulent information on my credit report. I have given them a police report, an identity theft affidavit proof of identity documents. Also, XXXX XXXX XXXX XXXX XXXX keep verifying this account as accurate, which I am filing a complaint against them as well. I am very dissatisfied with Equifax because they are not taking this matter serious, and it is affecting my credit score rating with Equifax, which is hindering me from obtain credit with favorable interest rate. Please have Equifax to remove/block the XXXX XXXX XXXX XXXX XXXX (  Charged-Off ) account ending in XXXX from my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I recently had an extremely frustrating experience while attempting to resolve the card usage problems with this card issuer. A fraud security hold was placed on my card which is reasonable and happens at all times when I was making a large purchase. However, the bank was outright hostile to work with when I attempt to unfreeze the card so I can continue using it. 
* They have been refusing to call me at the phone number listed on my account during to verify the charge with me * They have been refusing to email me at the email address listed on my account * They refused to contact me at an alternate cellphone number I have provided * They have been making false and completely absurd claims about why they can not call me ( something about my phone being XXXX? 1. it's not 2. how does that matter? ) * They demanded to send a letter to my house with a crucially important verification code which is probably the single least secure of means to communicate : letters easily get lost, and can get easily intercepted. Needless to say it's terribly slow and inefficient.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: NC

Complaint narrative:
On XX/XX/2019 I reported my Vehicle as paid off from XXXX XXXX company formerly XXXX XXXX. This information was given to Experian and XXXX via an upload of document mailed to me by the creditor and a case for dispute opened. 
Experian reported the case as resolved stating this will remain on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX and on XX/XX/2019, by certified mail, Equifax received my dispute of accounts listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) they are required to provide verification in the form of an original signed contract proving this is my debt. 

Not only did they fail to do that, but they did not notify me of the results of their investigation and send me a copy of the results of their investigation wih a new updated credit report within 30 days of receiving my written dispute. 

This is Willful Negligence and violation of Federal Law on their part. 

Action Required : Delete all of the above listed unverified accounts that continue to be on my credit report and continue to damage my ability to obtain credit, employment and reputation. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I have disputed the amount of what is owed on my mortgage for the past 6 months. I have opened disputes about the amount with all 3 credit reporting agency. The amount that Roundpoint Mortgage company keeps reporting is XXXX as owed this amount has been incorrect for months my amount owed is XXXX as of statement dated XX/XX/2019. I have tried to have this matter rectified for months including today. Today because of Roundpoints inaccuracy in reporting, my credit score has fallen another 30 points. The credit reporting agency keeps closing the disputes because Roundpoint Mortgage Company keeps reporting back to each one as the amount is accurate. Which it isn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: LA

Complaint narrative:
Can you please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
Nationwide Recovery Systems is reporting on my credit bureau a balance due for their client XXXX XXXX XXXX XXXX of {$430.00} for a service rendered date of XXXX. I had insurance during that ER visit, confirmed with the insurance company that the hospital filed a claim. It appears that this collection agency 's client did not submit a claim. My insurance representative spoke with the collection agency and asked for them to provide proof of claim filing and they would be able to rebill. The collection agency was not cooperative as they stated their client did not have insurance info provided to them by the hospital. The collection agency needs to contact their client to provide proof of claim and remove this debt from my credit files until their client processes their claim properly. I will fully insured and am not in a position to pay out of pocket an additional {$430.00} due to a providers billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I sent certified Cashier 's checks to Bank of America three different times ; each to a different account number, but supposedly for the same service, in order to get a package mailed from XXXX back to the United States. 
On XX/XX/2019 I sent {$17000.00} to XXXX XXXX, XXXX from XXXX XXXX XXXX, XXXX, Texas, to Bank of America Acct. XXXX. 
A second payment, supposedly for insurance, for {$38000.00}, was sent on XX/XX/2019, to XXXX XXXX XXXX XXXX , XXXX at Bank of America Acct. XXXX. 
Finally, a second Insurance payment of {$100000.00} was sent to XXXX XXXX XXXX, Bank of America acct. XXXX on XX/XX/2019. The XXXX XXXX  XXXX listed an address of XXXX XXXX XXXX, XXXX, Tx XXXX as their business address. This last check was also sent from my personal account at XXXX XXXX XXXX XXXX XXXX, where the first two checks came from XXXX XXXX XXXX. 
Per your instructions, I am not providing my personal information, although you will see some of it on the copies I send with this complaint. 
Just as soon as I realized this was a complete scam to take my money, I went to Bank of America to try to recover what we could and see if there was any way to get the payments reversed and the money returned. 
Up to this point, nothing has been reversed nor have I been able to find out much information as to what will happen. An employee there told me he used to work with the CFPB, and that I should file here as well. 
I am attaching copies of the transactions that took place. Please try to get these money transactions reversed and at least some of the money returned, as this is my entire life 's savings. Thank you very much for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied for a credit card with Capital One. In response, I received a letter dated XX/XX/XXXX stating, in part, that : " ( W ) e were unable to verify the following information : Address '' and requested that I call immediately. After being on hold for more than 15 minutes, I spoke with " XXXX '' who told me my address was fine. They had to verify my identity and want my driver 's license. I told him that should have been requested in the letter. I also told him I refused to provide driver 's license information over the phone. I told him Capital One 's business practices were deceptive and he told me he would cancel my application. Capital One should write an honest letter and provide justification for the information they are requesting. Since other companies approve online applications, Capital One should do so too. If their application isn't complete online, they should update it or remove it.

Company response to consumer: Closed with non-monetary relief