vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-10 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10 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: MO

Complaint narrative:
My identity has been seriously compromised due to XXXX  breach and my wallet being stolen..Now the after fact is a demise of unknown and unauthorized accounts reporting on my credit file. I'm demanding the immediate removal of these fraudulent accounts. I have no such contract with either of these companies. 

1 ) XXXX XXXX XXXX {$790.00} 2 ) XXXX XXXX XXXX {$2300.00} 3 ) XXXX/ XXXX XXXX 4 ) XXXX XXXX {$6400.00} 5 ) XXXX XXXX XXXX   {$17000.00}

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 2019-08-10 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: MI

Complaint narrative:
I received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.

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 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: MI

Complaint narrative:
I received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.

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 2019-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Well I've been checking my credit score often. And it just keeps dropping. I've contacted my insurance to see why these bills keep being posted to my credit but they said they're was nothing they could tell me about it, that I would have to contact the companies. So I called them and they basically told me that I had to pay them even if u had insurance at the time because it's been over three months. But I never got a bill and no elone ever told me a time frame that I needed to get this fixed until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TN

Complaint narrative:
Well I've been checking my credit score often. And it just keeps dropping. I've contacted my insurance to see why these bills keep being posted to my credit but they said they're was nothing they could tell me about it, that I would have to contact the companies. So I called them and they basically told me that I had to pay them even if u had insurance at the time because it's been over three months. But I never got a bill and no elone ever told me a time frame that I needed to get this fixed until now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10 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: AP

Complaint narrative:
I leased a XXXX through XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX when I turned the car in after receiving military orders to deploy overseas. I obtained an Odometer Disclosure Statement ( attached ) when turning the car in and the dealership faxed the information to XXXX XXXX. The attachment/fax also has the finance director 's information who accepted the vehicle and faxed the information to XXXX. In XXXX timeframe, I received a notification on my credit report that I was 90 days delinquent on my payment. I called XXXX XXXX and they stated it was an error and they'd take care of it. It will take roughly 90 days for it to reflect on my credit report ( XXXX  ). The delinquency still remained and I called back a few months later. They once again said they'd fix it. I submitted a complaint through the Consumer Financial Protection Bureau at the end of XX/XX/XXXX and ironically on XX/XX/XXXX, I receive a notification from Trans Union that I am 90 days delinquent on this account. How does this delinquency error show up on a separate credit report, now bringing down a second credit score, 16 months after turning the car in? This error needs to be fixed ASAP as I, as any citizen, shouldn't be dealing with this. But I definitely shouldn't have to deal with this will overseas fighting for democracy. 

This is my second complaint. The first was the XXXX not removing the delinquency from XXXX. This complaint is XXXX has now sent the delinquency to Trans Union after I submitted my first complaint and 16 months after turning in the car. I will never do business with XXXX again!!! They have lost my trust.

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 2019-08-10 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 — Problem with personal statement of dispute
Company: Monterey Financial Services LLC
State: SC

Complaint narrative:
On XX/XX/2019, 2 XXXX XXXX salesmen came to my door to shampoo 3 rooms, and I let them. Long 3 hours went by, and I knew my credit would not be approved because I was not working, my husband is the only one. So, I said sure, run my credit. Well, a few min later, they said I was approved. I asked the salesman how, and he said they only used my info, but used my husbands earnings. Anyway, later that night, I explained to husband, he said nope, they jipped me. In the meantime, I was supposed to go on my email to sign the financial loan documents. I had 3 days to rescind and give vacuum back. I looked on my email, started doing paperwork, then I quit. I was asked on a form for my drivers license info, I actually never finished the paperwork. I also in the meantime tried to contact the salesman to please come back and get vacuum. I could not get him, his boss. I tried for over a week. Well, after that, one of the reps from XXXX said that Monterey Financial needed my drivers license info, that I needed to call them or the contract was void. I never gave them info, and never actually seen a contract containing my interest or anything. The XXXX salesman had put all my info in the site and set me up for auto pay. Long story short, a couple months passed, I got out the owners manual to learn how to use the attachments. I found a copy of my credit app folded in it. The salesman had wrote in that I got XXXX a month XXXX!! Really!! Its such a ripoff all the way around. Please, please help with this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Lending Club Corp
State: FL

Complaint narrative:
I refinanced my car through lending club and lending club used XXXX XXXX XXXX   as the lean holder. I signed all paperwork and they sent a pay off check to XXXX the original lender. With the refinance I was promised lower interest and payment. I received notification from lending club to stop paying my previous lender. About a moth later on XX/XX/2019. I went outside and my car was gone. After dealing with local authorities because I had no cue the car was up for repo come to find out. XXXX had the car repoed because the payment where behind. I had never been late on a payment until lending club told me to stop paying them. I called XXXX to find out exactly had happed and lending club send the pay off check {$700.00} short so XXXX did not cash it they held it. I then figured lending club would correct this issue and recover the car. No thats not at all what happened. After working my way up the chain of command what they chose to do was cancel the loan as if it was never issued and let me cover the repo cost. Well I can not afford the amount of money that XXXX wants for me to recover the car. I dont understand why no one sent a letter explaining the shortage of the payoff check and I could have paid the difference before it got to the point it is now. XXXX claims they sent a notice of repo but I never seen anything. They both claimed to have called but no voice mails left and I receive 50 calls a day for telemarketers so I cant possibly answer the phone every time I dont recognize the number. I feel that lending club should have paid off the difference and just modified the condition of the loan to include the new amount. Now my car is going to be sold off in some auction. Please help me before that happens I am also seeking legal counsel and hopefully can also repair the damage they have done to my credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2019, XXXX XXXX XXXX XXXX came to my door to shampoo 3 rooms, and I let them. Long 3 hours went by, and I knew my credit would not be approved because I was not working, my husband is the only one. So, I said sure, run my credit. Well, a few min later, they said I was approved. I asked the salesman how, and he said they only used my info, but used my husbands earnings. Anyway, later that night, I explained to husband, he said nope, they jipped me. In the meantime, I was supposed to go on my email to sign the financial loan documents. I had 3 days to rescind and give vacuum back. I looked on my email, started doing paperwork, then I quit. I was asked on a form for my drivers license info, I actually never finished the paperwork. I also in the meantime tried to contact the salesman to please come back and get vacuum. I could not get him, his boss. I tried for over a week. Well, after that, one of the reps from XXXX said that XXXX XXXX needed my drivers license info, that I needed to call them or the contract was void. I never gave them info, and never actually seen a contract containing my interest or anything. The XXXX salesman had put all my info in the site and set me up for auto pay. Long story short, a couple months passed, I got out the owners manual to learn how to use the attachments. I found a copy of my credit app folded in it. The salesman had wrote in that I got XXXX a month XXXX!! Really!! Its such a ripoff all the way around. Please, please help with this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: CA

Complaint narrative:
This company is reporting a credit line item that was included in a Chapter XXXX bankruptcy and its showing up suddenly as of XX/XX/2019. 

Also, I have two disputed items that were deleted and XXXX XXXX keeps reporting them and dropping my score drastically!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have opened several disputes the dispute on XX/XX/2019 shows that these two collections were deleted yet it doesnt seem that this has been updated on my credit report ( s )  mainly Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Summary : Synchrony Bank has yet to respond to my repeated requests to : i. reject Synchrony Bank 's Arbitration Section of the revised PayPal Credit Account Agreement, and ii. to close my PayPal Credit Account.

On XX/XX/2019, I received a letter from Synchrony Bank ( dated XX/XX/2019 ), stating that Synchrony Bank will be the new " Lender '' for my PayPal Credit Account ( the previous lender for this account was " Bill Me Later '' ). Additionally, the letter stated that new Account Terms have accompanied the new Lender assignment, including ( among other term changes ) a clause requiring dispute resolution via Arbitration ( along with a clause that permits the rejection of the arbitration provision ). 

On the same day I received that letter, I wrote and mailed a letter to Synchrony Bank stating that : i. I wished to " Reject the Arbitration Section of the PayPal Credit Account Agreement '', and ii. that I requested to " Close my PayPal Credit Account ''. I also attempted to contact Synchrony Bank to inform them of these wishes via telephone, but each time I was met with hold times exceeding 120 minutes. 

To date, Synchrony Bank has refused to acknowledge or confirm my requests. Additionally, on XX/XX/2019, I received email correspondence from Synchrony Bank stating that my PayPal Credit Account was still open, contrary to my repeated requests.

My requests are the following : i. To reject Synchrony Bank 's Arbitration Section of their updated PayPal Credit Account Agreement, ii. to close my PayPal Credit Account, and iii, to confirm those in writing, all of which I had requested in my letter to Synchrony Bank dated XX/XX/2019.

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 2019-08-10 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:
Companies : Eqifax, XXXX & XXXX. These companies continue to list old debts of mine that should NO longer appear on my credit reports due to their age. 

This has made my reports look much worse than they really are ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I have opened several disputes the dispute on XX/XX/2019 shows that these two collections were deleted yet it doesnt seem that this has been updated on my credit report ( s ) mainly XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
IC Systems randomly started reporting debt on my reports. I disputed it with the bureaus. I called into the company and they did not even have the correct address so the initial letter was never received before they starte reporting. This is a direct violation. They have no right to report when they dont send that letter. After my disputing with the bureaus, I called them and corrected the address, however they did not delete the reporting on my burea reports which they can not do when they are knowledgable and proven to have not gotten the right to dispute to me. This is a very ba violation.

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 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FcrA Violation bc equifax is not reporting it correctly and cant be fix they must remove the inaccurate information Enclosed years of information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Companies : XXXX, Experian & Transunion. These companies continue to list old debts of mine that should NO longer appear on my credit reports due to their age. 

This has made my reports look much worse than they really are ...

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 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In all the years that I've been doing business with companies, I have never talked to anyone from these creditors. I did not purchase anything from them. I do not recognize these companies and I do not owe them, remove this from my credit report ... XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation