vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-16 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: SC

Complaint narrative:
I have 20 unauthorized inquires on my Equifax, XXXX and XXXX  credit report. I wrote a letter explaining that these were unauthorized inquires and that I would like for them to be removed to make sure my credit report was accurate as possible. XXXX investigated and deleted the inquires but Equifax and XXXX  failed to respond or take action about the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
XXXX XXXX MUST RE-INSERT THE ACCOUNT BACK INTO XXXX CREDIT FILES ONLY. THIS ACCOUNT WAS DELETED IN ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: WA

Complaint narrative:
Hello! I am still struggling with XXXX  XXXX. this is in reference to an earlier case as well. XXXX  XXXX  XXXX  struggles to accurately track payments towards PLSF and upon certifying payments frequently changes they payments to count towards PLSF.

At one point, they did send me a letter stating they would credit me 23 payments ( great! ) based on earlier struggles and the difficulties I had  experienced, but this has not happened. I have a copy of the letter. Though on 10 year standard repayment, no payments since XXXX have been added to my account. documentation available. At the time of selecting the 10 year standard plan in XX/XX/XXXX, I was told it would count towards PLSF without the fluctuating payments and need to re-certify each year. I selected this payment as it would eliminate the 1-2 month delay in payments each year while they calculated my payment options, and the small difference in payments on XXXX did not warrant the delay. This option was available as a option to choose on the web site at that time, though it no longer can be found ( and no one notified me if this is true ). When you re-certify each year, they is a delay in payments and I wished to finish paying my loans as quickly as possible. Additionally, in XX/XX/XXXX, I had 85 payments ( I have documentation ). Yet in XXXX I had 75 ( documation available ) I currently have 76 payments, in spite of making 11 payments that were not counted and the indication 23 payments would be added to my account by XXXX towards PLSF. I believe I should have 119 payments. XXXX believes I have 76 payments, and need to make 44 more, and MAYBE could then apply to PLSF ; though one advised this would ONLY count if I now switched to a different payment plan such as REPAYE, but this MIGHT not count as all the payments would not be REPAYE. 

I am extremely frustrated as I am genuinely attempting to make 120 on time payments within a predictable payment plan- and seem to move either backwards or hold still. though maybe this is the intent : for me to make payments forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: IL

Complaint narrative:
The credit agencies are reporting that I owe child support inwhich I do not on order to report such an issue one has to be summoned by the courts, however in my case the courts stated that I do not owe child support, so I'm asking that the credit agencies remove and block the issue from my report.

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 2018-12-16 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: IL

Complaint narrative:
The credit agencies are reporting that I owe child support inwhich I do not on order to report such an issue one has to be summoned by the courts, however in my case the courts stated that I do not owe child support, so I'm asking that the credit agencies remove and block the issue from my report.

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 2018-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My car was broken into in XXXX, recently in XX/XX/XXXX after reviewing my credit report I noticed a car loan on my credit reports that is in default. That derogatory item does not belong to me so I have been trying to get it removed from my credit. I filed a police report, filed a complaint with the FTC and contacted the credit bureaus. All my efforts have been unsuccessful. The company the furnished the car loan has sent me several letters attempting to collect personal information from me that they should already have. I have been told not to provide personal information to third party agencies. In addition, the credit bureaus have assured me that they provided all the information that I sent them to the auto loan company, so I am confused as to why they are asking me for the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: SC

Complaint narrative:
I have 20 unauthorized inquires on my XXXX, XXXX and TransUnion credit report. I wrote a letter explaining that these were unauthorized inquires and that I would like for them to be removed to make sure my credit report was accurate as possible. XXXX investigated and deleted the inquires but XXXX and TransUnion failed to respond or take action about the complaint.

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 2018-12-16 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: NC

Complaint narrative:
My XXXX XXXX credit card was paid off, XXXX balance in XXXX XXXX. XXXX. XXXX reported to the credit bureaus my acct was past. In XXXX XXXX, XXXX. XXXX reported the acct 90 days past due. In XX/XX/XXXX, XXXX XXXX reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to Transunion in XX/XX/XXXX, File no.XXXX. XXXX. XXXX responded to Transunion acknowledging the account was paid off in XXXX XXXX. Eight months later, XXXX. XXXX still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. XXXX. XXXX has knowingly and purposely caused negative affects to my credit report.

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 2018-12-16 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: NC

Complaint narrative:
My XXXX XXXX credit card was paid off, XXXX balance in XXXX XXXX. XXXX. XXXX reported to the credit bureaus my acct was past. In XXXX XXXX, XXXX. XXXX reported the acct 90 days past due. In XX/XX/XXXX, XXXX XXXX reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to XXXX  in XX/XX/XXXX, File no.XXXX. XXXX. XXXX responded to XXXX  acknowledging the account was paid off in XXXX XXXX. Eight months later, XXXX. XXXX still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. XXXX. XXXX has knowingly and purposely caused negative affects to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: NC

Complaint narrative:
My XXXX XXXX credit card was paid off, XXXX balance in XXXX XXXX. XXXX. XXXX reported to the credit bureaus my acct was past. In XXXX XXXX, XXXX. XXXX reported the acct 90 days past due. In XX/XX/XXXX, XXXX XXXX reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to XXXX in XX/XX/XXXX, File noXXXX. XXXX. XXXX responded to XXXX acknowledging the account was paid off in XXXX XXXX. Eight months later, XXXX. XXXX still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. XXXX. XXXX has knowingly and purposely caused negative affects to my credit report.

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 2018-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Professional Bureau, Inc.
State: FL

Complaint narrative:
Dear Sir or Madam : This is a counter letter response to the email I received on XX/XX/2018 from the Texas Attorney Generals Office. 

Immediately remove the ILLEGAL medical FALSE DEBT charges from all 3 CREDIT REPORTING AGENCIES. I HAVE CONTACTED AN ATTORNEY TO PURSUE A LAWSUIT AGINST XXXX DBA as XXXX XXXX. Reason for suit is because XXXX XXXX falsified documents to the attorney Generals office regulating private personal information regarding HIPPA law violations. Also, a lawsuit against XXXX   XXXX and XXXX XXXX XXXX XXXX for double billing me as well as my XXXX XXXX XXXX. XXXX XXXX XXXX XXXX over charged and subsequently XXXX over paid. My Family was assured by the Doctor and Hospital that I would not be double billed by a botched XXXX  procedure performed by XXXX XXXX XXXX XXXX. I was informed on XXXX XXXX XXXX business name is XXXX DBA as XXXX XXXX. 

I didnt know my medical rights and due to a botched XXXX, this matter will be resolved by a third party. Your correct I did sign a promise note BEFORE XXXX was performed to be billed for one XXXX  and not billed for two. Also, at the time I didnt know they over charged my insurance company for twice the amount. Lastly, I was never informed and never received the HIPPA Law rights. 

XXXX XXXX suppressed documents. They violated the Federal Medical HIPPA Law and XXXX XXXX omitted certain pages suppressing documents when Billing Lead, XXXX XXXX from XXXX XXXX ( XXXX ) sent a letter to Attorney General XXXX XXXX   Office for a settlement offering to accept a one-time payment of {$400.00} paid in full on XX/XX/2018 and then I received the email from The Texas Attorney Generals office response on XX/XX/2018. XXXX XXXX sent only twelve ( 12 ) documented pages to The Texas Attorney Generals office. However, 5 pages of the 12 submitted to The Texas Attorney Generals office I have never seen before. XXXX XXXX from XXXX XXXX suppressed the real medical file they have on me. I again have included the actual total documented twenty eight ( 28 ) medical pages they have on record and prove they distributed my medical information on XX/XX/XXXX at XXXXCDT. I have mailed to everyone involved in my credit dispute exactly the twenty-eight ( 28 ) documented pages of my medical file that XXXX XXXX acquired from XXXX XXXX XXXX XXXX XXXX and then delivered all twenty-eight ( 28 )  documents of my private medical history to XXXX XXXX XXXX XXXX XXXX XXXX, and consequently violating the Federal HIPPA Law. 

Please see the attached documents and see notes on bottom and top of each page. XXXX DBA as XXXX XXXX is a foreign company and has no right to my medical information. 

All future communication will be handled by my attorney Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I applied online at XXXX for the XXXX XXXX XXXX, provided through Synchrony Bank, on XX/XX/2018. 

XXXX did a credit pull inquiry on that day, and momentarily approved my card application. Here is the record of it on my XXXX XXXX XXXX credit monitoring report : Alert Type : New Inquiry Processed Date : XX/XX/2018 Inquirer 's Name : SYNCB/XXXX Phone : ( XXXX ) XXXX Type of Industry : Bank Address : XXXX XXXX XXXX, XXXX, FL XXXX This is all expected. 

Then, the following day XX/XX/XXXX18 I was notified of additional activity on my credit report, because Synchrony pulled my credit again for the same card and original application, with no consent from ( or contact of ) me in the meantime. Which thus caused a corresponding minor but non-zero decrease in my credit score. Here is that record : Alert Type : New Inquiry Processed Date : XX/XX/2018 Inquirer 's Name : SYNCHRONY Phone : ( XXXX ) XXXX Type of Industry : Bank Address : XXXX XXXX XXXX, XXXX, GA XXXX Given XXXXXXXX XXXX size and their ability to strongly market this product and incentivize customers to apply, this could easily be negatively impacting the credit ratings of hundreds of thousands or even millions of people!

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 2018-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: AL

Complaint narrative:
Issue : DISCOVER CARD refuses to resolve a dispute for falsely advertised product. DISCOVER favors the merchant. 

- I purchased a reproduction of oil painting from XXXX - Painting was sent damaged due to improper painting, and it was not as advertised - I tried to work the issue with the seller - Seller tried to sell me another wrong picture (! ) - Seller would not issue a return label citing their own return policy where the buyer has to pay for returns. This policy does not states this for non conforming products, or products damaged in transport, or different from what was advertised. 
- I tried to work out a solution with the seller on the return ( it costs almost as much as the picture itself for shipping back due to no fault of mine ) ; - I have opened a dispute with DISCOVER documenting all these issues ; - 30 days later DISCOVER closed the case in favor of the merchant as a " legitimate transaction '', with no reasonable explanation of why ; - Original wrong painting was never replaced ; - There was no refund attempted ; - Reopened the case with DISCOVER at my request, after I questioned their decision ; - I was told verbally that the resolution may be the same, again in favor of the merchant ; All the documents are already uploaded on the DISCOVERY web site for disputes. Should you need the documents please let me know and I will send them as well to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I have an unknown collection on my credit report which is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: OK

Complaint narrative:
I do not recall the services for this bill. Never received documentation before being swnt to collections

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 2018-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: FL

Complaint narrative:
Based on this post. 
I didn't get any emails, any mail letter, any phone with any voice message that My wages will be garnished I tried this is the 2nd involuntary 15 % of my paycheck that is withhold and they do not want to negotiated anything. My next paycheck will be on XX/XX/XXXX and they will take our from my back account and not directly from employer, however the are not willing to negotiated at all. and provide only no answer with not explanation and no documentation. 

https : //studentaid.ed.gov/sa/repay-loans/default/collections # wage-garnishment I have the right to : be sent a notice that explains EDs intention to garnish your wages in 30 days, the nature and amount of your debt, your opportunity to inspect and copy records relating to your debt, your right to object to garnishment, and your option to avoid garnishment by voluntary repayment ; be given an opportunity to enter into a written agreement under terms agreeable to ED to establish a voluntary repayment agreement ; be given an opportunity for a hearing to present and obtain a ruling on any objection you have to the existence, amount, or enforceability of the debt ; any objection that garnishment of 15 percent of your disposable pay would produce an extreme financial hardship ; or any objection stating that garnishment can not be used at this time because youve been employed for less than 12 months after having previously been involuntarily separated from employment ; have the garnishment action withheld by filing a timely request for a hearing, until the hearing is completed and a decision issued ; not be discharged from employment, refused employment, or subjected to disciplinary action due to the garnishment, and to seek redress in federal or state court if such action occurs ; initiate any legal action against your employer if the employer discharges, refuses to hire, or takes disciplinary action against you based on the garnishment action ; and not have any information provided to your employer regarding the garnishment other than what is necessary for the employer to comply with the withholding order.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Diversified Consultants should be fined for reporting a debt that was clearly reported a fraud to XXXX. I have reported this debt many times to XXXX  and also Diversified Consultants that this was fraud and Diversified Consultants continue to report this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16 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: IL

Complaint narrative:
My name and personal information has been compromised and attached to an account inwhich I have no knowledge of and definitely do not have a contract with. No contract with whatsoever. For that reason I'm asking that the following credit agencies, Transunion, XXXX, and XXXX  remove the following account from my credit report, ( 1 ) XXXX XXXX {$10000.00}. In accordance with the FCRA please remove this account, or deliver me some type of physical documentation verifying this account, certified.

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 2018-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I summited 4 rounds certified verification letters FCRA SECTION 609 ( a ) ( 1 ) ( A ) to ( XXXX XXXX, XXXX, XXXX ) and a debt collection verification letter certified to NATIONAL CREDIT SYSTEM certified letter sent to XXXX XXXX XX/XX/XXXX. AMOUNT OF UNVERFIED DEBT {$2600.00} CERTIFIED LETTER SENT TO XXXX ON XX/XX/XXXX CERTFIED LETTER SENT TO XXXX  XX/XX/XXXX DEBT VERIFICATION CERTFIED LETTER MONTH OF XX/XX/XXXX TO NATIONAL CREDIT SYSTEM. I DID NOT GET A RESPONSE FROM THE DEBT COLLECTOR ON THIS UNVERFIED " DEBT '' ALL THREE AGENCY SENT " VERIFIED '' AS A RESULT OF THE VERFICATION I SUMMTITED SECOND ROUND OFLETTERS TO ALL THREE AGENCY ( XXXX, XXXX, XXXX ) IN THE MONTH OF XXXX THE RESULTS WAS THE SAME " VERFIED '' I SENT A THIRD ROUND OF VERIFICATION LETTERS AS WELL AS METHOD OF VERIFICATION TO ( XXXX XXXX, XXXX XXXX ) IN THE MONTH OF XX/XX/XXXX AND AGAIN IN XX/XX/XXXXAND NEVER HEARD BACK FROM ANY OF THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: PA

Complaint narrative:
i reported that this account was a result of id theft but they ignored my report and keep reporting as my debt National Recovery Agency is negligent in this transaction and shout pay a heavy fine for ignoring my request

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation