vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC
State: MI

Complaint narrative:
In XX/XX/XXXX we contracted XXXX XXXX to install a new Heating and Cooling system. We agreed. They indicated they used GreenSky and XXXX XXXX XXXX to extend the 18 month 0 interest loans through. I have excellent credit so I was not concerned. I put a substantial amount down on the loan to ensure that I would pay it off in the 18 months. They initiated the loan on XX/XX/XXXX. I made the first payment on XX/XX/XXXX through an electronic payment. They did not credit the account - I had bank contact them. They finally acknowledged payment. My payoff on the account is higher by half of the {$390.00}. payment than what it should be if you call in. The statement for the payment made electronically on XXXX is not showing today on XXXX. I have not received any statements for the XX/XX/XXXX Payment. There is a download button which does not work on their website so there is NO WAY TO ACCURATELY DOCUMENT WHAT THEY ARE DOING or WHAT THEY ARE CHARGING. They repeatedly tell me that if it is paid off before XX/XX/XXXX I will not incur any interest but I have very little faith when they do not even provide statements or a method to download the statements. And they are unable to update their online account with payments and statements to reflect what is paid and how it is applied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16 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: NJ

Complaint narrative:
XXXX, XXXX and Transunion all have reported bankruptcy on my credit report without getting this information directly from the bankruptcy court themselves. They have required this information from a third party company and placed it on my credit report. according to the FCRA, this is not valid! I have been sending letters to all of the 3 credit bureaus on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 I even sent the 3 credit bureaus a letter from the Bankruptcy court stating they do not supply the credit bureaus with this information and neither credit bureau will remove it from my report. They claim to do an investigation but if the bankruptcy court is not relinquishing that information to you, how can you legally and sufficiently record this info. from a third party entity or for that matter, do a thorough investigation in any case?

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 2018-09-16 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: NJ

Complaint narrative:
XXXX, Equifax and XXXX all have reported bankruptcy on my credit report without getting this information directly from the bankruptcy court themselves. They have required this information from a third party company and placed it on my credit report. according to the FCRA, this is not valid! I have been sending letters to all of the 3 credit bureaus on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 I even sent the 3 credit bureaus a letter from the Bankruptcy court stating they do not supply the credit bureaus with this information and neither credit bureau will remove it from my report. They claim to do an investigation but if the bankruptcy court is not relinquishing that information to you, how can you legally and sufficiently record this info. from a third party entity or for that matter, do a thorough investigation in any case?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA Compass the misused of my XXXX credit file. 

I had filed disputes on the account several times with XXXX  and the other two credit bureaus. The dispute last longer then 30 days with XXXX   file. The account should had been removed from file. BBVA Compass had reported the account on faults dates many times. I had tried to communicate with XXXX XXXX XXXX and I submitting the proof of misused of the account. BBVA Compass does not care if the account is being misused. They are saying it is reported currently. I would like for Compass to show proof that the account is reported correctly with all three credit bureaus from XX/XX/XXXX through XX/XX/XXXX along with the remarks in the comment section.. I do monitor all three credit files just about every day. 

The account had been sold XX/XX/XXXX to XXXX XXXX XXXX XXXX based in Texas. The debt buyer had removed the account from credit files from XXXX  and XXXX on XX/XX/XXXX. for not being register with the Secretary Of State Of California to conduct business with the California consumers. There is a difference between a business license and business registration. BVAA Compass had sold the debt wrongfully to a non register debt buyer who is not register with Secretary Of State Of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: AES/PHEAA
State: NV

Complaint narrative:
I attended XXXX 's XXXX XXXX for 2 weeks and I dropped out back in XX/XX/XXXX due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX  XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated and I never graduated from college. Please review and remove this inaccuracies from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I have been receiving this bill of {$1600.00} for years now. I was a MINOR at the time these services were provided, they were not only PAID by my parents insurance but the merchandise was RETURNED to the medical facility because they were DEFECTIVE. The debt is incorrect and not mine. I am XXXX years old now and I should NOT have to be responsible for paying for a hearing aide that I RETURNED and that NEVER WORKED in the first place. We were not supposed to be billed once we returned the product. This is a FALSE charge. I have made several attempts to remove this from my credit/record and have gotten nowhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was informed that I am a victim of three data breaches since XX/XX/XXXX and have placed security freezes on my credit reports with the three credit bureaus. On XX/XX/XXXX, I applied for a credit increase on my XXXX XXXX credit card which I have had for over 6 years. I was denied the credit increase based on Experian 's inaccurate data reporting of inquiries. The denial letter is attached to this complaint. Experian is reporting unauthorized inquiries on my credit report. They have now caused me financial injury as well as defamed my reputation with XXXX XXXX. I am requesting that they provide me the authorizations for the following inquiries that they are reporting on my credit report or delete these unauthorized inquiries immediately. The inquiries and dates in question are : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX 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 2018-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I submitted a dispute request in XX/XX/XXXX with capital one. Since then Ive submitted several documents talk to numerous agents all telling me something different. I ended up paying {$1100.00} for a charge I didnt agree to or accept and its almoat XX/XX/XXXX, capital one never resolved my dispute or refunded my money. My complaint number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: MARINER FINANCE, LLC
State: IN

Complaint narrative:
Perosnal Finance and their parent company refuse to help me. I need my credit report to be accurate and they have reported a new open account and I dont have one!

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 2018-09-16 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: GA

Complaint narrative:
You continue and are persistent in maintaining erroneous reports and accounts. I have contacted original creditors that I settled accounts with, no contract exists and when an account or debt is settled it can not be sold or reported again. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical  verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX {$920.00} XXXX XXXX {$900.00} XXXX XXXX {$850.00} XXXX XXXX {$150.00} XXXX XXXX {$150.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: NV

Complaint narrative:
I attended XXXX XXXX XXXX College for 2 weeks and I dropped out back in 1988 due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated   and I never graduated from college. Please review and remove this inaccuracies from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: NV

Complaint narrative:
I attended XXXX XXXX XXXX College for 2 weeks and I dropped out back in 1988 due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX  XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated and I never graduated from college. Please review and remove this  inaccuracies from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: NV

Complaint narrative:
I attended XXXX XXXX XXXX College for 2 weeks and I dropped out back in 1988 due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated and I never graduated from college. Please review and remove this inaccuracies from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16 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: NY

Complaint narrative:
I was informed that I am a victim of three data breaches since XXXX and have placed security freezes on my credit reports with the three credit bureaus. On XX/XX/XXXX, I applied for a credit increase on my XXXX XXXX credit card which I have had for over 6 years. I was denied the credit increase based on TransUnion 's inaccurate data reporting of inquiries. The denial letter is attached to this complaint. TransUnion is reporting unauthorized inquiries on my credit report. They have now caused me financial injury as well as defamed my reputation with XXXX XXXX. I am requesting that they provide me the authorizations for the following inquiries that they are reporting on my credit report or delete these unauthorized inquiries immediately. The inquiries and dates in question are : XXXX XXXX  XXXX, XXXX, XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX 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 2018-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had a Citi account closed without my knowledge or consent in XX/XX/XXXX. I had received an offer for XXXX bonus miles for opening a Citi AAdvantage card in XXXX XXXX. I had called and confirmed with a Citi representative on XX/XX/XXXX that the account closure would not disqualify me for the bonus I was being advertised. I was ensured that it would not disqualify me. The representative left specific notes about our call referencing the offer. I followed up on XX/XX/XXXX as I did not receive the bonus offer as of yet. The representative I spoke with was easily able to track down the notes from my XX/XX/XXXX call and, after reviewing the notes, reconfirmed that I would be eligible. She submitted a request for an investigation. I received a letter dated XX/XX/XXXX that stated I would not be awarded the bonus points advertised to me and promised me. I followed up on the letter today, XX/XX/XXXX to attempt to resolve this issue. I am now being told no record can be found of the XX/XX/XXXX call and that I would not be eligible. 

I attempted to contact XXXX XXXX, the VP responsible for the AAdvantage credit card program, at Citigroup on XX/XX/XXXX as well and did not receive a reply.

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 2018-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XXXX entered into an agreement with XXXX XXXX XXXX and XXXX XXXX XXXX involving student loan debt and forgiveness. The contact person with this agreement was XXXX XXXX/Enrollment Advisor, Ph XXXX, Fax # XXXX, address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. I have been unable to contact neither XXXX XXXX or XXXX XXXX XXXX over the past few weeks. I was notified by Navient, Department of Education Loan Servicing ( current holder of the loan ) that my loan was severely delinquent and that now the balance on my loan is in excess of {$4100.00} when the principal on my original loan back in XX/XX/XXXXwas less than {$20000.00}. Because I was pursuing further education I was under the assumption ( after speaking with XXXX XXXX XXXX and XXXX XXXX ) that there would be deferrment or forbearance of my loans as long as I was furthering my education. I do not dispute that fact that I need to repay my original loan amount. I just believe that I was severely mislead by this man and this fraudulent company regarding the repayment of my original loan. Also my credit has taken a huge hit since this has happened and I would like to set thing straight and get on with my life. This situation has devastated me and is hard to explain the impact that it has had on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Consumer Education Services, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX I made an agreement with CESI XXXX to consolidate and pay off 3 of my credit cards. They started making payments on my behalf until XX/XX/XXXX when I was told that all XXXX cards were paid off. Sometime in the spring of XXXX I started receiving letters from the XXXX XXXX XXXX stating that I owed {$1300.00} on a credit card from XXXX XXXX XXXX which was one of the credit cards that was supposed to have been paid off by CESI XXXX. I have spoke to CESI XXXX numerous times and they assured me that the debt was paid. They sent me a summary of all the payments ( Attach A ) they made stating that the balance they got from my credit report in XXXX was {$550.00} and since the card only had a {$400.00} limit, the collection agency ( XXXX ) was mistaken. Satisfied with this explanation I ignored the letters thinking it was some sort of scam. Around XX/XX/XXXX I started receiving letters from XXXX XXXX XXXX regarding the same XXXX XXXX XXXX debt. I requested my credit report from XXXX, XXXX and XXXX and all 3 said I did owe this amount ( Attach B ). I called CESI and they again assured me the debt was paid and they offered to send the list of payments they made to XXXX XXXXXXXX XXXX with check numbers and dates the checks were cleared to prove that the debt was paid ( Attach F ). I called XXXX to tell them I was disputing the debt and that CESI would fax them proof of the payments made to the account. XXXX claims they never received the fax even though CESI claims they sent it several times and received confirmations that it went through. I also called XXXX XXXXXXXX XXXX to request information about the balance because I didn't understand how a card with a {$400.00} limit could carry a balance of {$1300.00}. They said they couldn't give me any information because the account was closed and sold into collections and the collection agency would have all that information. When I called XXXX  to get a detailed summary of how the balance had grown to such a large amount they just sent another copy of the same statements I had already been getting for several months ( Attach C, D & E ). Lastly I asked CESI if they had a copy of the agreement they made with XXXX XXXXXXXX XXXX regarding the monthly payment amounts they would accept as part of my consolidation and CESI told me no. I only asked this because when I looked closer at my credit report the amount listed as the scheduled payment each month is much higher than the amount listed as the payment made ( Attach G & H ). I suspect this may be the problem but I can not get any more information from XXXX XXXXXXXX XXXX or XXXX and CESI insists they are not at fault.

Company response to consumer: Closed with explanation