vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My first dispute letter was sent XX/XX/XXXX. My second letter was sent XX/XX/XXXX according to my mailing receipts. 

Bank of American continues to report negative inaccurate information to my credit report. 

After the first letter, BOA updated accounts to verified as accurate but ALL debts are paid off. BOA has not provided proper documentation as to WHY they are continuing to report negative information to my credit report. 

After the second letter, BOA sent a letter stating BOA is attempting to collect a debt. 
Bank of America has not provided valid documentation of debts owed. 
This information is inaccurate. 
Bank of America is now in violation of the FCRA and continues to be in noncompliance.

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 2018-06-27 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Someone tried to open a Chase card with my email account on XX/XX/XXXX. XXXX XXXX says it came from Leet.cc, which is a gaming service that was breached in XX/XX/XXXX and my information comes up are a hard inquiry. I don't do any video gaming over the computer nor do I purchase games from this website. Who ever tried to get the card, did not. I had just noticed this at the bottom of my credit report today, XX/XX/XXXX. I am very upset this happened. I do not give out my email address except to certain stores and the doctors. I hope this gets removed from my report, because it is making it hard for my family to get a card, because it is there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27 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: PA

Complaint narrative:
Through XXXX XXXX I found a Hard Inquiry on XX/XX/2018 from XXXX XXXX XXXX XXXX. It is located in XXXX Florida XXXX ( # ( XXXX ) XXXX ). I contacted them and they said they have never had an application or an account with me. They also claimed that this is a known " glitch '' through XXXX XXXX and TransUnion. 

After more research I tracked down this also has to do with XXXX XXXX. I contacted them ( XXXX ) XXXX ) and talked to XXXX ( employee number XXXX ). She also said I have never applied or have any account through them and said I should contact TransUnion and file a complaint. After attempting to contact TransUnion they said I have to mail a written letter of the complaint and it will take 30-45 days to receive a response. 

After more research I found many people with this exact same problem and being run in circles between XXXX, XXXX XXXX, and TransUnion for months. After finding many more complaints of this exact same issue I found blogs saying to contact CFPB to get the problem taken care of. That is why I am here and would like this Hard Inquiry removed from my Credit reports.

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 2018-06-27 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: CA

Complaint narrative:
Consumer complaint narrative I went to XXXX XXXX XXXX on XX/XX/XXXX to purchase a car, After selecting a car to decide about the price he asked me to provide my details and gave the details to him and I told him " I wan na go for lunch and I will be back in 20 minutes and Do not run my credit before make an agreement about the price '' and he told me be sure we do not run your credit, but after I came back in 15 minutes I saw a paper that they run my credit and I got 3 hard enquiries which I have not approved. 
XXXX on XX/XX/XXXX by XXXX, Automobile dealer, Transunion on XX/XX/XXXX by XXXX XXXX, XXXX on XX/XX/XXXXby southcst Automotive. I did not buy any thing and i did not get a loan. 
Please do the needful! 
Best Regards,

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 2018-06-27 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: CA

Complaint narrative:
Consumer complaint narrative I went to XXXX XXXX XXXX on XX/XX/2018 to purchase a car, After selecting a car to decide about the price he asked me to provide my details and gave the details to him and I told him " I wan na go for lunch and I will be back in 20 minutes and Do not run my credit before make an agreement about the price '' and he told me be sure we do not run your credit, but after I came back in 15 minutes I saw a paper that they run my credit and I got 3 hard enquiries which I have not approved. 
XXXX on XX/XX/2018 by XXXX, Automobile dealer, XXXX on XX/XX/2018 by XXXX XXXX, Experian on XX/XX/2018 by XXXX XXXX. I did not buy any thing and i did not get a loan. 
Please do the needful! 
Best Regards,

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 2018-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have contacted Equifax so many times via phone online, and via first class mailings on many many occasions in regards to 4 accounts that were placed in my name that did not belong to me and i did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively. I am trying to build my credit up to obtain better things in life and it makes it difficult when they checking credit and i have negative accounts that do not belong to me reporting inaccurately.I have disputed and reached out to Equifax more then several times and they say the same thing over and over.The companies either need to send proof or validation or it needs to be removed.These account does not belong to me. I have done the FTC, I have called and they have told me that their handling it and they received proper paperwork and i should see an update and i never do.The last Rep talked to name was XXXX in the Customer Service, I have not had any luck with this. The following accounts that are reporting are : XXXX XXXX with a balance of {$210.00} and XXXX Collections with a balance {$200.00}, XXXX XXXX with a balance of {$160.00}, and XXXX XXXX XXXX XXXX with a balance of {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: EMG ACQUISITION GROUP, LLC
State: LA

Complaint narrative:
I took a payday loan out from a company here in XXXX XXXX, Louisiana ... XXXX XXXX XXXX  is the company 's name ... I have been paying on this loan for a little over 2 years ..I first took a payday loan out for $ XXXX..After paying for a while, they told me I could extend it to {$500.00} ... I have been paying {$95.00} in fees for about 2 years now on a {$500.00} loan ... Spoke with company today to try and get on a payment plan for about 4 months to repay this and they told me it would cost me {$250.00} for the first month and {$350.00} for the second month ... If I could afford this, I would pay this off, but I can't ... They will not put my payments lower because they said it was a consumer loan ... I then told them they did not tell me it was that type of loan and I didn't know what that was anyway ... They said there was nothing they could do, that they were not working when loan originated ... Please help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: NJ

Complaint narrative:
I opened a XXXX XXXX account in XX/XX/XXXX by giving them {$250.00} deposit which was a requirement because I did not have a social security number or credit history. It was a month to month contract. I disconnected my service after 6 months and XXXX sent me an email regarding my disconnection of the service and they told me in the statement how they would proceed with final billing and returning the equipment. Under the final billing section it said depending on your date of the disconnect order, you may receive a credit for services that were paid for in advance, if a deposit was required when you ordered you services, the refund will be applied to your XXXX account to satisfy any outstanding debt or charges for unreturned equipment or other billing. Any remaining credit after applying the deposit refund to your outstanding balance will be refunded by a check. So I understood that they will charge my final billing or any other outstanding bill they would take form the {$250.00} deposit that I gave them when I opened the account and that they would refund any remaining money by check. The email date is XX/XX/XXXX at XXXX. The email was sent from XXXX. So after I received this email I have waited for my refund check for the amount of the difference in my debt ( final bill ) and my deposit. The difference was suppose to be {$50.00} and change. However, after eight months XXXX sent me the full amount of my deposit by check instead of the difference between my debt and my deposit. Then I questioned why they sent the full amount and then I figured out that they sent me to collections without my knowledge. I contacted XXXX regarding that and tried to solve this issue and I paid my debt right away after a month I received my deposit back. I explained this situation to XXXX but they did not accept their fault and correct it. And after two years when I get my social security number, I started having a credit history, I have seen a derogatory mark submitted by XXXX due to this collection issue and was being reported to Experian credit agency unfairly and incorrectly. I then tried to contact Experian as well as XXXX again via phone and email. However they did not fix this situation. They did not fix it and my credit is being damaged by this credit report. I want to get a house and/or lease a car but this falsely reported derogatory mark is hurting my report significantly. I want this to be fixed as soon as possible by 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 non-monetary relief
Consumer complaint received 2018-06-27 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: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
On or about XX/XX/2016 I was victim of a stolen car that was financed through GM Financial. My insurance company later deemed the car as a total loss and paid GM Financial about {$24000.00} around XX/XX/2016. There was still a balance of between 2-3 thousand remaining on the contract. Being that GM Financial received a payment from my insurance company around XX/XX/2016 I  assumed that this payment would cover my XX/XX/XXXX regular installment payment and that I was safe  until my Gap insurance company concluded their part in paying the remaining balance. I received a call from GM Financial in the later month of XX/XX/XXXX making me aware that I was past due on this account and that I needed to make a payment, therefore soon after I made a payment of the balance owed and the next month 's balance until the GAP insurance payed off the rest. GM Financial dinged my credit report as being past due 30-60 days due to a miscommunication between me and their CSR. I am not sure how the payment was 30-60 days past due when it was only the month of XX/XX/XXXXpayment missed and I made a payment in XX/XX/XXXXfor the month of ( XX/XX/XXXX & XX/XX/XXXX ) once notified by the CSR. Prior to this incident I have never been late on a car payment with GM Financial. Due to the misunderstanding of me thinking that the insurance payment would be applied in the same manner as a regular payment coming from me I thought that it covered my regular payment as well. I have tried contacting GM Financial through many different channels to get this issue resolved. I am not asking for information to be deleted due to willful neglect, I am asking GM Financial to also see this issue from a customers perspective and also note that it is partially the fault of lack of proper communication that made this issue occur. 
XXXX  XXXX XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have disputed three medical debts with this company, twice due to the fact that these debts do not belong to me, once XX/XX/XXXX also inXX/XX/XXXX. This company has failed to respond to my letters that i have asked for a validation of debt numerous times.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I contacted Navient Student Loan Service at XXXX and asked why my monthly payment reflects an inflated and incorrect amount. This information is affecting my credit score and my ability to exercise my consumer rights to credit based on my credit score. Navient informed me that they do not know how to fix the problem. A supervisor advised me to file a complaint and they would note the account accordingly, so the issue may be corrected when CFPB contacts them. 

My current payment is {$110.00}. My credit report shows $ 700+ monthly payment. My payment has never been $ 700+ a month, so I do not have an explanation for the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX my debit card was charged {$1000.00} for a second time. I had previously made purchases on XX/XX/XXXX-XX/XX/XXXX that were already charged to my card. Coinbase sent me an email on XX/XX/XXXX stating that they made duplicate transactions on all XXXX card members and refunds would be issued as soon as possible. 4 months later I haven't seen a dollar yet after communicating back and forth with them through numerous emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I disputed one of the purchase that I placed an order. 
I placed an order ( XXXX ) first and got rejected by Amex on XX/XX/XXXX. 
I placed an another order ( XXXX ) due to first order didn't for through on XX/XX/XXXX. 
I received pick up notification since our apartment had no access and I picked up at the access point, I did not check the order number because I was informed by Amex that first order didn't approve for some reason. Anyways it didn't fit my daughter, therefore I returned it and got refunded of {$3700.00} from merchant. However about a month later Amex charged me another {$3700.00} and notified me that first order went through and merchant sent me two packages. I have filed disputes multi times stating that I only received one package either first or 2nd order. Amex was the one who declined my first order and charged me month after. They ignored my dispute claims and keep charging back to for the amount of {$3700.00}. I actually should have credit since I over paid and now my statement showing I owe Amex {$2200.00}. I requested Amex to re-open the case and they refused my request saying they are afraid that this charge was over 60days. As you can see, it's not true and I filed it with in 60 days but Amex didn't resolve this matter. I even sent them Certified Mail regarding this issue and got ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX XXXX-HARD INQUIRYXX/XX/XXXX XXXX XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX-XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX7-XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX-XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX-XXXX-HARD INQUIRY-FRAUD I HAVE HAD A FRAUD ALERT ON MY CREDIT FOR THE PAST THREE YEARS BECAUSE OF MY CREDIT BEING COMPROMISED BY EQUIFAX. I HAVE SPOKE TO EVERY CREDITOR LISTED ABOVE AND THEY ALL HAVE AGREED THAT I HAVE SIGNED NO APPLICATION. I HAVE CONTINUOUSLY REPORT THIS TO EQUIFAX AS FRAUD AND TO REMOVE THESE HARD INQUIRIES FROM MY CREDIT AND EVERY TIME I DO SO, THEY SAY ITS FACTUAL RECORD WHEN THERE IS ABSOLUTLEY NO WAY ITS FACTUAL RECORD. I WANT EQUIFAX INVESTIGATED JUST AS ALL THE OTHER MILLIONS OF CONSUMERS WHOSE CREDIT HAS BEEN COMPROMISED BY EQUIFAX TO MAKE SURE THEY ARE DILLIGENTLY DOING THEIR JOB TO REMOVE FRAUDULENT INQUIRIES ON MY PERSONAL CREDIT THAT SHOULD ABSOLUTELY NOT BE THERE. THE NEGLIGENCE OF EQUIFAX HAS RUINED MY CREDIT BECAUSE OF THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
My first dispute letter was sent XX/XX/2018. My second letter was sent XX/XX/2018 according to my mailing receipts. 

XXXX XXXX XXXX continues to report negative inaccurate information to my credit report. 

After the first letter, XXXX updated accounts to verified as accurate but ALL debts are paid off. XXXX   has not provided proper documentation as to WHY they are continuing to report negative information to my credit report. 

After the second letter, XXXX sent a letter stating XXXX is attempting to collect a debt. 
XXXX XXXX XXXX has not provided valid documentation of debts owed. 
This information is inaccurate. 
XXXX XXXX XXXX is now in violation of the FCRA and continues to be in noncompliance.

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 2018-06-27 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: Avant Credit Corporation
State: IL

Complaint narrative:
Filed a 609 letter with the 3 credit reporting bureaus regarding the validation of an account with Avant. Avant failed to validate an account that is negatively reporting on my credit report. Avant is inaccurately reporting late payments on my report. The company stopped reporting since XX/XX/XXXX, suddenly on XX/XX/XXXX they back dated account with late payments to XX/XX/XXXX, thus dropping my score 35 points ... Avant is in violation of the fair credit reporting act 15 U.S.C.ss1681 regarding ACCURATE credit reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Auto Financing is currently reporting a balance of {$11000.00} on a car that was repossessed years ago. The account was charged off. Therefore, the balance should be {$0.00} not {$11000.00}. 

The incorrect balance is negatively affecting my credit score as it shows a false balance of {$11000.00} in addition to the charge off and repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I was notified by the credit bureau that my account with Synchrony Bank ( XXXX ) was closed. After receiving the notice from the credit bureau, I received a letter from the bank saying that my account was closed because of high balances and a delinquent account. There were fraudulent charges on my account which led to the account reporting incorrectly. The bank never contacted me to see if the information reporting was accurate. I should have been given the opportunity to explain. My account payments have been timely and always paid more than the minimum amount due. I feel that my account was targeted and closed based on my ethnicity.

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