vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-24 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: VA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) - I contacted XXXX XXXX XXXXXXXX on XX/XX/XXXX to discuss a possible settlement offer on the outstanding balance of {$2200.00}. After several conversations during the day we arrived at a settlement of {$1200.00} payable at the time of the conversation. The account rep took my credit card payment over the phone as well as mailed a letter stating the account was paid in full. XXXX proceeded to report the payment to the credit bureaus but failed to report the account was paid in full and no further payment is due as a result of a settlement. 

Once I reviewed my credit report and noticed the information was incorrect I disputed the balance due with the credit bureaus on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) as XXXX continued to provide incorrect information. As it stands today XXXX shows an amount due of {$1000.00} and Transunion shows an amount due of {$2200.00}, although both credit reporting agencies were provided with the attached documentation advising the matter in collections was resolved via a settlement on XX/XX/XXXX. 

I am requesting your assistance with getting this matter resolved to reflect the correct information on 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 2018-03-24 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: VA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) - I contacted XXXX XXXX  XXXX on XX/XX/XXXX to discuss a possible settlement offer on the outstanding balance of {$2200.00}. After several conversations during the day we arrived at a settlement of {$1200.00} payable at the time of the conversation. The account rep took my credit card payment over the phone as well as mailed a letter stating the account was paid in full. XXXX proceeded to report the payment to the credit bureaus but failed to report the account was paid in full and no further payment is due as a result of a settlement. 

Once I reviewed my credit report and noticed the information was incorrect I disputed the balance due with the credit bureaus on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX ) as XXXX  continued to provide incorrect information. As it stands today Equifax shows an amount due of {$1000.00} and XXXX  shows an amount due of {$2200.00}, although both credit reporting agencies were provided with the attached documentation advising the matter in collections was resolved via a settlement on XX/XX/XXXX. 

I am requesting your assistance with getting this matter resolved to reflect the correct information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I've tried since XX/XX/XXXX to resolve inaccurate payment history with Capital one credit card by disputing with credit bureaus, calling Capital One and writing letters to request additional information on there findings. They have my payment history marked as 30/60/90 days late but I have provided them with documentation that payment was made by the due date using my account statements and bank statements. Not only does my payment history reflect late payments but I have been charged an additional {$35.00} each month which shows on my statements because I was unable to pay the total minimum payment due but I feel that this situation has caused me hardship of low scoring to my credit report, adverse actions of declinations from other creditors and financial hardship of trying to resolve this matter. I was informed by Capital One representatives that my situation qualified for special hardship and I was approved to pay very small affordable payments until I was able to get out of debt and my health got better. Each time that I have disputed this issue, I receive correspondence from them stating after review, they feel that there records are accurate without providing me any supporting documentation as to how they derived at this conclusion. I have two credit cards with Capital one and they have me reported as late 9 times, in which, I only missed two payments. The second account, I have been marked 4 times late, in which, documentation shows I only missed one payment. I feel hurt that this corporation accepted my monthly payment, charged me additional {$35.00} for late fees and reported late payments for those months because I was going through medical issues and couldn't afford to pay the large amount of the minimum payment due. No one should ever have to be treated like this. If I have to have the adverse late payments on my credit report, I would like to ask for a refund of all the funds that I paid from XXXX returned back to me along with correspondence from the company stating they will remove the inaccuracies on both accounts within 30 days. I'm in the process of buying a home and these late payments are detrimental to my APR rate and my borrowing power and I just need assistance with getting this resolved as soon as possible. I will be providing supporting documentation along with my complaint so this issue can be resolved. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
This Company Recievables Management Is trying to collect on 4 medical bills and they are not licenced in my state to collect debt! Additionally They are reporting negative information on my credit report for all three credit reporting Agencies! These bills have never been verified and they are not mine! If they are, they are more than Seven Years old, because I have Had Medical Insurance for they last 7 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Spoke to the orginal creditor of the account ; XXXX. They confirmed with me on XX/XX/XXXX that the account has a XXXX balance and was sent to XXXX XXXX   in error. They provided me with a reference # XXXX and advised they would inform the collector that the account was paid in full in XXXX. The collector has since removed the negative remark from my XXXX  credit report but added to my XXXX credit report the following day.

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 2018-03-24 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: IL

Complaint narrative:
I have fully paid an auto loan from XXXX that was delinquent. I understand it should have shown that on my credit report but the account is almost 11 years old now. 10 years and 10 months to be exact. I have tried to get this account removed several times and have failed. I was told it would fall off in XX/XX/2017 by a rep from Trans Union but it never happened. My payments for all my accounts are on time and they total over 20. Cant understand why this negative account has to punish me for the rest of my life when I have a great credit history now? Please investigate.

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 2018-03-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ

Complaint narrative:
So at XXXX I received an incoming cal on my cell from ( XXXX ) XXXX  the female on the phone Identified herself as being with Checksmart Corporate office. I don't believe she even provided her name. But she did verify my personal information for her. The call started fine but when I advised her that I would not be able to pay anything by the end of the month she started to raise her voice in what I could only describe as frustration. She advised in a punitive way that calls would continue, advised judgment and wage garnishment. I advised her that I would like the address to send a Cease and Desist letter she advised I couldn't do that because customer service was the only department that could do that. I advised her that I would like to speak with a manager at which she acknowledged and then I can only assume she hung up. I called from my cell at XXXX XXXX to the number ( XXXX ) XXXX and I got the same female I had spoken with earlier which she only identified herself as corporate office and never identified herself. I advised that I didn't appreciate being hung up on at which she responded that she had mistakenly disconnected the call. I advised her that she works on the phones for a living you think you would not have that problem. To which she responded angrily and I had at this point asked for a manger a few times and she hung up on me again. I called again from my cell to the number ( XXXX ) XXXX at XXXX XXXX and this time I spoke with a male XXXX who I verified my personal information. I spoke with him about the abusive behavior I experienced with his coworker. He advised he sat next to the female I was having issues with and at that time provided her name as XXXX and proceeded to make the excuse that there has been phone problems. I advised him that I was interested in sending in a Cease and Desist to which he responded with getting it processed immediately. XXXX was very helpful in resolving the Cease and Desist issue in a professional manner.

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 2018-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I was not aware or notified of the alleged debt until my credit was pulled for the new apartment i applied for.The highest balance according to the report on my credit is {$5200.00} and the balance is $ XXXX immediately contacted the collection company IQ DATA INTERNATIONAL on XX/XX/XXXX and spoke to XXXX asking him to provide me a written statement for the debt. I asked him to send it to my email which he refused to do. I gave him my address instead to mail the statement to which he reluctantly took. I asked him when should I be expecting the statement and his replied was I do not work in the post office. According to the law, they should provide me with the statement within five business days. I called back on Monday I spoke to a lady which refused to give me her name, she said I would get by Friday, but when Friday comes I did not receive any mail from them. The effect of this debt have lower my credit score and lost two  apartments I applied for including the application fees. The original creditor is XXXXXXXX XXXX XXXX, which I rented a one bedroom apartment for $ XXXX  monthly rent between XX/XX/XXXX and XX/XX/XXXX. I asked them if they can provide me a statement of my rent payment history while I was living in their apartment. The accountant in charger XXXX told me that he could not find anything on my name but they also refused to provide my account statement while living in their apartments. Prior to me moving in in XX/XX/XXXX, I paid a three way rent of {$2400.00}, the first and last month rent and down payment. I moved out at the end of my lease and never received back my any portion of my down payment. I do not know what the alleged debt was for. i was never evicted or notified or provide any documents that show why i am own them the huge amount. Since i did not receive any written statement from IQ DATA, I will be sending them a written letter of dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: OH

Complaint narrative:
In XX/XX/XXXX I completed my required annual income certification for the income based repayment plan. I received confirmation of approved on XX/XX/XXXX. I also applied for PSLF and my loans were transferred from XXXX to XXXX XXXX on XX/XX/XXXX, I recieved the official letter of transfer. The new loan servicer ( XXXX XXXX   ) states that I NEVER completed my annual income certification and that my new payment amount is almost way more than I was approved for. I was forced to request a forbearance which could impact my consecutive payments under an IBR for PSLF. They say that I have no choice but to go to XXXX and request a new Income based repayment plan all over again because the " information didn't transfer over ''. I did everything I was supposed to do and the servicers are the ones that messed up, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
account has been paid off and closed. company sent the last bill did not received.

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 2018-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates calls me on almost a daily basis trying to collect a debt that is way past the statute of limitations on debt. I have asked them to stop calling me and told them that I have no intention them of paying a debt that is past the statute of limitations, especially when the debt was sold to them from a credit card company. I am not going to pay them for a debt that I never signed an agreement to pay them for. The debt was with a credit card company several years ago, not with them. I have explained this and asked repeatedly for them to stop calling but they continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I was contacted by XXXX XXXX. XXXX XXXX is a senior consultant at American Pacific Mortgage ( APM ). XXXX XXXX told me I had not been given the proper time to review documents associated with my original mortgage loan. Also, he told me APM would refinanced my loan at no cost to me. 


On or about XX/XX/XXXX I received some information from a federal government agency. An XXXX XXXX XXXX XXXX ( XXXX ), Loan Estimate with an issue date of XX/XX/XXXX and a XXXX Addendum to Uniform Residential Loan Application was included in the disclosure. 


My analysis of the documents follows : 01 ) I had not seen any of these documents before. 


02 ) All documents had an interest rate of 4.250 %. I was unaware of a potential 4.250 % interest rate. 


03 ) All the documents electronically signed with my name are forgery. 


04 ) All the documents electronically signed with my name have the same date and time stamp. 


05 ) All the documents electronically signed by XXXX XXXX have the same date and time stamp. 


06 ) All electronic signatures look like they were written by the same person. 


07 ) The XXXX has an extra blank page with an electronic signature of my name. 


I have questions about the attached document. 


01 ) I would like to know why I never saw any of these documents?

02 ) I would like to know why I was told about the 4.250 % rate?

03 ) How is it possible that all the documents electronically signed with my name have the same date and time stamp? 


04 ) How is it possible that all the documents electronically signed by XXXX XXXX have the same date and time stamp? 


05 ) Why do both electronic signatures look like they were signed by same person? 


06 ) Why does the XXXX have an extra blank page electronically signed with my name?

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 2018-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A card was proactively cancelled and a new card was issued XX/XX/XXXX. A charge was applied with that card which was proactively cancelled on XX/XX/XXXX. Capitol one was not able to provide a phone number or any information to me on the creditor. I spoke with someone on XX/XX/XXXX. Instead of allowing me to dispute the charge again my new card has been restricted. I am being penalized again for something I had nothing to do with. I would like to have my current card remain active without being inconvenienced to cancel that card. Since that card was not the card utilized for the fraudulent charge i see no reason to cancel the card. The Capital One is incompetent and has no regards for customer goodwill. I am being treated as if my business means nothing to them. I want the {$500.00} charged removed, without cancelling my card that was not used for the charge, and I want to have my current card not be restricted. I keep being humiliated with my card being restricted as I attempt to make a purchase. I have been a customer of Capital One since XX/XX/XXXX and I have always paid off the balance in full each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
In 2017 I had a lexis nexis report sent to me. I found out that I have a bankruptcy inaccurately listed on my report. I disputed the report. They said it was accurate and received information from the circuit court. I contacted the circuit which I have emails and they stated they do not report to credit bureaus or creditors. They lied to me in writing and I would the bankruptcy removed from my report immediately and all credit bureaus notified of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This inquiry is from XXXX, XXXX, FL, XXXX - XXXX XXXX XXXX XXXX. I have no idea what this is and contacted them only once and they could not find me. I explained that this is on my credit and appears to be there over a year ago and never heard of them.

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 2018-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Several attempts have been made since XX/XX/XXXX by contacting Navient by phone and in writing to resolve the inaccuracies with the payment history of my credit reports. I have followed up with them every 90 days and have found no resolution to this issue. Navient has made several 30/60/90/120 late payments reflecting that my payment has been late but I had my account continuously in forbearance due to financial hardship since they had ownership of my account. For the period of time they have me reported as late, my student loans was still with Dept of Education/XXXX. For some reason, when they merged accounts, it caused my accounts to be duplicated and incorrect. It seems as though the customer service representatives have no way of correcting this issue with finding pertinent information concerning the financial hardship request in there system. The inaccuracies starts as early as XX/XX/XXXX but my account did not transfer to Navient until XX/XX/XXXX and at that time I contacted them directly to notify them that I was not in position to pay my student loan debt because I was contemplating on filing for bankruptcy and I suffered with financial hardship dealing with medical problems, decrease in finances due to divorce and trying to maintain household expenses as a single parent. I'm asking for Navient to work along with Dept of Education ( XXXX ) to resolve this reporting issues. I found that some of my accounts has been updated but not all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was unable to work due to an extreme circumstance, so I got behind. The Capital One rep at the time waived the late fee from XX/XX/XXXX - XX/XX/XXXX and I asked him would that be updated on my credit report because I have a 30-60 late on it. He told me yes. It was never waived and I have tried many times, but no one is being helpful at all and just reading the standard credit reporting script.

Company response to consumer: Closed with non-monetary relief