vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 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: NC

Complaint narrative:
I have reached out to XXXX 40 different times concerning accounts on my credit profiles that were opened fraudulently thru and by Identity Theft. XXXX XXXX, a supervisor at XXXX has been very threatening and loose with his words as a so called Professional. I advised him that I have sent several copies of an FTC Report which is of course a Federal Trade Commission Identity theft report as well as several police reports attached thru the regular mail and thru the upload tool online. XXXX XXXX told me that the FTC Report I sent meant nothing at all. He said it was totally worthless and that he would make sure none of the accounts would be removed or blocked due to Identity theft. I was not only shocked but floored by his excuse for not taking any action concerning this identity theft situation. XXXX and Equifax received my documents and had no problem removing the accounts in question. Also XXXX XXXX knows about the other two credit bureaus removing or blocking the accounts in question. He stated that the other two companies dont really count at all. Yet another loose comment made to me. Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
I have a debt on my credit report for XXXX that i have no knowledge of or gotten no notification of it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: VA

Complaint narrative:
XXXX, XXXX, And Transunion are not doing a investigation on the Dept of education student loan accounts on my credit report. There is inaccurate information reporting and its making it impossible for me to do what i need to do credit wise with negative reporting. I have reached out to all bureaus and disputed it and nothing was done. These accounts are coming back verified from the credit bureaus.Transunion last reported a balance of XXXX on XXXX XXXX opened XXXX. With a monthly payment of XXXX dollars. Payment status in collections/Charge off! How is this possible? XXXX is reporting a balance of XXXX on XXXX XXXX opened XXXX XXXX. Account status closed. XXXX last reported a balance of XXXX on XXXX XXXX opened XX/XX/2012. Payment status seriously past due date/ account closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: VA

Complaint narrative:
XXXX, Experian, And XXXX  are not doing a investigation on the Dept of education student loan accounts on my credit report. There is inaccurate information reporting and its making it impossible for me to do what i need to do credit wise with negative reporting. I have reached out to all bureaus and disputed it and nothing was done. These accounts are coming back verified from the credit bureaus.XXXX last reported a balance of XXXX on XX/XX/XXXX. opened XX/XX/XXXX. With a monthly payment of XXXX dollars. Payment status in collections/Charge off! How is this possible? XXXX is reporting a balance of XXXX on XX/XX/XXXX. opened XX/XX/XXXX. Account status closed. Experian last reported a balance of XXXX on XX/XX/XXXX. opened XX/XX/XXXX. Payment status seriously past due date/ account closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I have contacted a person online through XXXX  where his initial phone number was XXXX XXXX XXXX where he said he would sell XXXX XXXX XXXX XXXX for 9 people for XXXX XXXX He asked to me chat on this number XXXX XXXX XXXX as the previous one was his work phone number. i Asked for 9 tickets XXXX adults and XXXX kids. He asked me to send in two different amounts XXXX $ each. He said his name as XXXX XXXX and Zelle transfer account was XXXX XXXX and he works in XXXX XXXX and he has some many complimentary tickets that he can sell. I transferred XXXX $ from my XXXX XXXXXXXX XXXX account and another XXXX $ from my XXXX XXXX account. After i transferred my money, the customer did reject my call and did not respond for my calls. I used my wife 's number and asked for tickets and he still responded and started to fraud my wife as well.. I lost my XXXX $ dollars and reported claims in both XXXX XXXX and XXXX  XXXX XXXX and none of them were able to help me. I just need some help from you to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sent a partial refund to a client XX/XX/XXXX of {$140.00} through PayPal. 
The client demanded a full refund and began a dispute which escalated into a claim. 
The client changed the basis of her demand for refund while I was out of computer communication. I did not respond to the change of reason because I did not know it had occurred. PayPal closed the case automatically, granting the client a full refund, including the partial refund I had already sent : XX/XX/XXXX of {$250.00}. 
It has been impossible for me to communicate with PayPal. I have used the on-line chat, spoken with the resolution center, demanded to speak to a " manager. '' Finally I did reach a manager on XX/XX/XXXX who read the case and promised to reopen it I have communicated directly with the client, who knows she was overpaid for a refund, the reasons for which were bogus and should have been denied. Her response : " Let PayPal deal with it. '' PayPal needs to restore my {$140.00} refunded to the client, and PayPal must evaluate the reason I refused a refund in the first place. This is my money, not for PayPal to disburse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: ID Analytics, Inc.
State: MD

Complaint narrative:
I recently applied for an auto loan and was turned down because a company I never heard of reported my score at XXXX. I use XXXX XXXX and check my score several times a week and they all report my score to be over 600. I have NEVER heard of this company before. 

SageStream should not be allowed to require personal, protected information in order to get a copy of your consumer credit report. I WILL NOT send a hard copy of my social security card, birth certificate, drivers license, etc to ANYONE especially a company I have never heard of until today. There is a 200 point desparity with Sage Stream and other agencies.

This information may indeed allow mischief on their part, in order to gain new customers for their  XXXX services. In addition all of this information and data can then be and is most likely given to " ID Analytics '', which ultimately provides this data to a credit reporting agency called Sage Stream,  all of the above in which is owned by " XXXX XXXX ''. 
A major Bank issuing around 163 store branded ( closed loop ) credit cards, XXXX XXXX  uses Sage Stream, and as it appears they depend on the Sage Stream report 100 %, when deciding to issue credit or not. 

SageStream says their reporting ranges from 1 to  999 ... WHAT? Ive never heard of this in my entire life either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: WA

Complaint narrative:
The company claims no pre payment penalty but if I try to pay my bill early it only goes to the principal and not towards my monthly payment. I have tried to set up bi weekly payments they wont accept them because " we have investors to protect. '' I try to pay on the due date they dont do same day payments and if you call after XXXX it will be processed in 48 hours. Not when I actually made the payment but whenever they choose to apply it. I can't set my payments up online. I have zero control over my own account and how it is re paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I am not aware of when this hospital visit occurred. I am pretty sure that I had insurance at the time since I do and have received Medicaid for quite some time. I tried to see if I could settle with a smaller amount and they told me no. I am a full time XXXX and haven't been working for a few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
I closed my Fortiva credit card account last year and am being charged a monthly " Account Maintenance Fee '' in the amount of {$12.00} and was just charged an " Annual Fee '' of {$49.00} on XX/XX/2019 even though my account is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN ( CFPB ) I AM SUBMITTING COMPLAINT AS CONSUMER, I HAVE 3 NEGATIVE ITEMS REPORTING TO ALL 3 CREDIT BUREAUS BLEMISH ON MY CREDIT REPORTS. THERE ARE ( 3 ) DIFFERENT YEARS XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX THEY WERE ALL DISMISSED THEY WAS ALL DISMISSED BY US BANKRUPTCY COURT, I AM SUBMITTING THIS INFORMATION ON GOOD FAITH AS A CONSUMER TO HAVE 3 NEGATIVE ITEMS REMOVE OFF ALL 3 CREDIT REPORTS,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have tried talking to the company on two different times and all that tell me is I need to pay my debts. The company that is supposed to have turn this over for collection did not do it, all I want is something showing that I owe the debt and they won't do that. I have chased this from ever place that I know to do.

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 2019-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: LA

Complaint narrative:
twice in less than a year my account was locked out when I tried to pay. ID 7 Password saved on computer and still won't accept. Their password link doesn't accept the answers forcing me to make a several minute call to get cleared up. I pay more than asked for and they aren't making enough ... ..I guess. They make it very difficult to make over payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: TX

Complaint narrative:
sent the ftc, police report and 3 social mix match they fail do do anything XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2019-07-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
So I have Bank of America on my credit report showing that I have made late payments on XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, and XX/XX/16. I had never paid my account late I had called a rep and told her that I needed my due date to change because of medical problems I was having and they agreed to change my due date and they would remove the late payments and they told me to not worry that it would correct on my credit report. Now I am trying to buy a house and this is affecting my credit and I need the late payments removed please. 

Thank you

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 2019-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
XX/XX/19 About a week ago on XX/XX/19 to find a replacement radiator for a XXXX XXXX XXXX XXXX. I went on Advance Auto Parts Website. I put in the information They said I needed a P-30 replacement radiator Part XXXX. Shipping was free and the part was to be about {$110.00}. Never got a bill or credit card receipt. This item showed up last Monday, several days early. Turned out to be the wrong radiator. Had to remove old one, take it to Bend to be repaired and it still isn't done. I contacted Advance Auto Parts by phone, email, and I still had no RMA. It cost me {$66.00} cents to return this wrong part to Advance Auto and I still have no response regarding refunding my money, This appears to be a scam to send wrong parts, then play shipping & return games. I have numerous emails from them and they never supplied a RMA for the wrong parts sent and received when they told me to order a certain part? It is sad to look up the part, order it, receive it, it is wrong, call them and more excuses?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-01 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 — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX is not providing my credit file and score to the companies that I have requested credit from. 

XX/XX/XXXX Capital One credit application. Capital One has been unable to approve my request because for over 2 weeks they havent been able to send my credit file and score to them. 

XX/XX/XXXX XXXX XXXX card denied a credit line increase because I have to few accounts per XXXX. I currently have over 91 approved credit cards in which 31 are active. I have a long history of  accounts and excellent credit. The information they are providing to creditors are inaccurate. 

XX/XX/XXXX XXXX XXXX XXXX denied a credit line increase due to XXXX unable to provide my credit score and credit report. 

XX/XX/XXXX, XXXX XXXX wasnt able to determine my credit application because they are unable to get my credit report from XXXX. 

I have excellent credit and the responses from Creditor grantors are that they are not providing accurate information to creditors so a fair decision can be acquired. I do have excellent credit without a blemish. If I am turned down for a credit card, I would be ok with that providing they have an accurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: AL

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts list in Exhibit C therefore request that you consider this a final notice your offices.Past this point the CFPB will have authenticate sworn testimony from my end which gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting**** Copied from the Affidavit of Facts attached******

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection
State: NM

Complaint narrative:
Amount of collection is not correct and debt has already been disputed and cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have a hard inquiry on my credit report made on XX/XX/2019 that I know nothing about. It is on XXXX XXXX and trans union report. Inquiry is from XXXX. I have notified all 3 companies and they keep telling me to contact each other. Nothing is getting done and needs removed from my credit. When I call XXXX they tell me that it's not them and is on my report fraudulent to contact again credit bureau and 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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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