vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I realized this year that I had a lot of fraudulent information on my credit report when I signed up for an XXXX account. These included fraudulent loans, credit cards, and bankruptcy's. I informed myself on my rights and what I had to do to inform credit reporting agencies that I was a victim of identity theft. I have been combating the fraudulent information for months now, and most of it has been proven to be from identity theft, and has just-fully been removed. However, there is still a  bankruptcy that has not been removed from my Equifax report even though it has been proven that it does not belong to me. I am very frustrated that my identity was stolen, and more frustrated that I have done everything in my power to fix this, and Equifax has refused to remove this derogatory from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Credit & Collection Corporation
State: KY

Complaint narrative:
Several months ago I sent a written cease and desist letter to regarding a XXXX   XXXX/XXXX XXXX account to not be contacting me via telephone at any number pursuant to the FDCPA.  That letter was received and responded to that stated they would cease and desist telephonic communications.  Today, on XX/XX/2019, I received a collections call from Global Credit and Collection Corp. in violation of the request to not be contacted via telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TX

Complaint narrative:
XXXX  ; XXXX and Transunion are incorrectly reporting a foreclosure on the XXXX account number XXXX. ( Please see attached page from my credit report. ) My home loan was suppose to be in deferment due to Hurricane Harvey. I had applied for a hardship on this loan. I was receiving foreclosure notices and immediately contacted the lender. When I was able to speak with the lender he advised me to ignore these foreclosure letters because they were being automatically generated and because of the natural disaster the loan would automatically go into deferment and after the initial crisis was over, I would be able to make payment arrangements with the bank in order to keep my home. I trusted that what I was being told was in fact true however, as it turned out, this information was false and my home was in pre-foreclosure status. I paid the outstanding amount owed and the property is not in foreclosure status. The language on this line item Account paid after foreclosure started need to be deleted. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this derogatory language from my credit report however, I have not been successful.

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 2019-08-22 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: TX

Complaint narrative:
XXXX ; Experian and XXXX are incorrectly reporting a foreclosure on the XXXX account number XXXX. ( Please see attached page from my credit report. ) My home loan was suppose to be in deferment due to Hurricane Harvey. I had applied for a hardship on this loan. I was receiving foreclosure notices and immediately contacted the lender. When I was able to speak with the lender he advised me to ignore these foreclosure letters because they were being automatically generated and because of the natural disaster the loan would automatically go into deferment and after the initial crisis was over, I would be able to make payment arrangements with the bank in order to keep my home. I trusted that what I was being told was in fact true however, as it turned out, this information was false and my home was in pre-foreclosure status. I paid the outstanding amount owed and the property is not in foreclosure status. The language on this line item Account paid after foreclosure started need to be deleted. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this derogatory language from my credit report however, I have not been successful.

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 2019-08-22 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:
I contacted the company twice to solve the issue without any look. They are the one responsible my credit exposure to outside hackers. First I called the companies who went into my credit without my authorizations and wrote several letters to remove the unauthorized credit checks. Months of hard work, hung off and long wait frustration and no result. 

Equifax not only gave all my information away but not helped to solve the issue at all. Is a nightmare to work with this company trying several months and excessive hours calling here and writing with no result. 

Note I spent about at least 30 hours try to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CA

Complaint narrative:
I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/2019, Experian received a notice from me delivered via certified mail in which I informed that fraudulent account and fraudulent charges were included on my report without my consent or authorization. As of today they have failed to remove these fraudulent accounts from my credit report. This is a violation under the FCRA. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and XXXX of character. 

Accounts are the following : XXXX XXXX # XXXX. Date Opened XXXX. 
XXXX XXXX XXXX Account # XXXX. Date Opened 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 2019-08-22 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: FL

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this line item from my credit report but Equifax and XXXX have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 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: IL

Complaint narrative:
When I received a bill from Capital One I have noticed that the amount charged for the stay in XXXX did not match the reservation that was made on XXXX. 
Furthermore the charge was in US $ and not XXXX as originally made and charged. 
The merchant did not give me any receipt upon check in or check out stating only that the booking is " taken care of. '' I disputed the amount with Capital One on the phone and subsequently sent them the claim form with supporting evidence by fax on XX/XX/2019 along with mail. 

Today I received a letter dated XX/XX/2019 that the Capital One close the dispute alleging that nothing was received from me. 
This is the second time that the Capital One closes the dispute alleging that nothing was received as it is violating its own terms and conditions provided to me when the card was obtained. 
Also Capital One refused to provide an electronic way to dispute the purchase and provide the necessary evidence leading me to the conclusion that the bank 's way of handling disputes is specifically designed to deny them while blaming non receipt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-22 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: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
Three to four weeks ago American Express sent the credit bureaus an " update '' on an old account that had been closed for years. The update attempted to re-age my credit and stated that the date of delinquency was XX/XX/XXXX although that was more than two years from the correct date. They then sent the credit agencies notice that it had been charged of on XX/XX/XXXX although I was never contacted and it had never appeared on my credit report before XX/XX/XXXX. I contacted XXXX  and got the date of delinquency changed but they then added a charge off on XX/XX/XXXX. They have now reported me as having missed XXXX monthly payments for an account that was closed years ago. Almost every single thing they reported is wrong and once the damage to my credit is done going back and correcting the errors does not actually fix the damage to my credit. If they had reported truthfully correctly and in a timely fashion this would not have caused such damage to my credit. I spoke to American Express and was told a supervisor would call me to discuss it and no one ever called. I have literally not received anything from these people in years and they have completely destroyed my credit over the last four weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
On XX/XX/2019 I bought a car XXXX XXXX XXXX, in addition I bought a mechanical protection plan valued in {$2900.00} to be applied to this car. Two weeks after XX/XX/XXXX approximately I cancelled that mechanical protection plan, then a week after TD Bank received the credit from the returned of such mechanical protection plan. Unfortunately XXXX Bank did not applied that credit to the principal of my loan, and my loan monthly payment and length remain the same. Please help to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hello My daughter has a car loan with ALLY/XXXX. The first payment was due in XXXX. 
She paid it on the company website as requested. XX/XX/2019. 
Second payment XX/XX/2019. What happened next caused the problem. 
Payments were reversed from them to us. XX/XX/2019. And Returned on XX/XX/2019. 
Again reversed for the payment on XX/XX/XXXX, and again for the payment on XX/XX/XXXX. 
We have made the payment they way they asked. On the company website. 
Now we are constantly in arguments with them because they want to charge late fees for all the payments. And constantly call us demanding payments. We have made the payments in good faith to them. We can not control mistakes on there side. We have not been given an explanation as to why they keep reversing the payments. This is just becoming a major harassment issue. Thank you XXXX XXXX XXXX my cell XXXX ALLY Financial

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 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
THE XXXX COURT DO NOT REPORT TO ANY CREDIT BUREAUS ON EARTH AND THEY DID NOT HAVE MY CITY AND STATE IN THE DESCRIPTION ON MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I took out a loan to go to school total of {$6400.00} in XXXX The school after a few months refunded the loaning company {$1500.00} XXXX XX/XX/XXXX ) I have been paying on this loan since I took the loan out. I missed a few payments in XXXX and talked with the company about setting up an autopay option. I was told that by doing so I was assured to pay off the loan faster. They ( Navient ) but me on a 20 year variable interest rate loan which I didn't agree to. I have been doing the auto-pay option since XXXX and they will take $ XXXX {$100.00} a month. After a few years I went to try and log onto my account online but couldn't, I got a message that the account was invalid. Money still was being taking out of my account. Recently I closed that checking account forgetting about the auto-pay to Navient. 

I have gotten numerous threatening calls at least 6 times a day. 
So I looked into how much I have paid on this loan, {$12000.00} on a loan for {$6400.00}. Navient claims that I still owe them {$3400.00} because it is a 20 year loan. 

I have put in request to speak with their Ombudsman, I have gotten a few responses but no resolve to my issue. Only that they are going to look into it further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: FL

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this line item from my credit report but XXXX and Transunion have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from 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 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I've recently noticed a derogatory line for a collections on my credit report from LVNV Funding, LLC. I have never received any form of Initial communication or dunning letter stating anything about a debt. This just showed up on my credit report without knowledge of what this is or any validity to it. If there was a form of communication or notice received in I would have been able to dispute or validate this alleged debt. However, this was input on my report in the middle of me closing on a home which has caused major issues when this simply hit my credit report out of nowhere. I am disputing the validity of this debt. I am requesting validation of this account per the Fair Debt Collection Practices Act Sec. 809. I would like to acquire the following information for the purpose of validation : Documentation from the original creditor of the following ; Original date of default or non-payment of the debt The last valid payment toward the above creditor Name and address The original balance The date of transfer from the original creditor to the debt collector. The date ; in which LVNV Funding, LLC sent me notification of this debt or any attempts at all to collect. The billing statements of this debt to prove the amount of debt alleged to me per FDCPA Sec. 809. ( a ) Notice of debt ; contents This is not an acceptance nor acknowledgment of this debt. If LVNV Funding LLC can not provide the following evidence within 30 days of receipt, all consumer reporting agencies must be notified to delete this trade line and cease collections of this debt Sec. 809. ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Despite permanently Opting Out of unsolicited credit card offers over a year ago, I have continued to receive offers in the form of junk mail from Capitol One, with whom I am completely unaffiliated. I called Capitol One and asked to be removed from their direct mailing lists. They claim to have complied, but I want to report their violation of the federal Opt Out Prescreen program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 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: TX

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX account. ( Please see the attached notice from XXXX XXXX. ) There were extenuating circumstances and I was forced to return the vehicle I was purchasing. On XXXX I received the Notice of Our Plan to Sell Property letter from XXXX. ( XXXX  letter attached ). The vehicle was scheduled to be sold at auction on XXXX. The letter from XXXX clearly states : If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. The vehicle was sold at auction for {$11000.00}. ( Attached is a copy of the Motor Vehicle Record dated XXXX. ) XXXX made a difference of {$1000.00} from the sale of the vehicle and therefore there is not outstanding debt. Please see below - XXXX  Sale of Vehicle = {$11000.00} Charge-off amount reporting = {$10000.00} Difference of = {$1000.00} The charge-off amount is LESS than the sale of the vehicle and therefore there is not outstanding debt. I am not requesting the difference of {$1000.00} however, I am requesting that these line items be removed from my credit report. This incorrect reporting of a charge-off is harming my credit. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TX

Complaint narrative:
XXXX XXXX XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX account. ( Please see the attached notice from XXXX XXXX. ) There were extenuating circumstances and I was forced to return the vehicle I was purchasing. On XXXX I received the Notice of Our Plan to Sell Property letter from XXXX. ( XXXX letter attached ). The vehicle was scheduled to be sold at auction on XXXX. The letter from XXXX clearly states : If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. The vehicle was sold at auction for {$11000.00}. ( Attached is a copy of the Motor Vehicle Record dated XXXX. ) XXXX made a difference of {$1000.00} from the sale of the vehicle and therefore there is not outstanding debt. Please see below - XXXX  Sale of Vehicle = {$11000.00} Charge-off amount reporting = {$10000.00} Difference of = {$1000.00} The charge-off amount is LESS than the sale of the vehicle and therefore there is not outstanding debt. I am not requesting the difference of {$1000.00} however, I am requesting that these line items be removed from my credit report. This incorrect reporting of a charge-off is harming my credit. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful.

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