vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 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: MA

Complaint narrative:
I recently received a letter from Experian in regards to the complaint I filed via the CFPB about their dispute process that contains many errors. I clearly stated the errors and exactly how I would like each item resolved ; they continue to allow accounts to report in error, a clear violation of my rights. On page 2 of 28 dated XX/XX/2019 ( will add the report number later ), they stated they contacted the company reporting the information I disputed, and instructed them to review the information provided to verify the accuracy of the information ; failing to conduct an independent investigation and allowing these companies to update their records in accordance with what was provided to be able to verify at a later date ; another violation of my rights. I also clearly stated to provide verification, and all they provided were phone numbers ; failing to accurately verify and provide verification via an original instrument of indebtedness in its original form, a consumer contract with my signature on it ; another violation of my rights. Lastly, I clearly stated to remove all non account holding inquiries or provide permissible purpose ; they have failed to provide either ; another violation of my rights. I understand this entity is a for profit business so they cater to their customers, the alleged furnishers in order to keep credit scores lower to conduct business with predatory lenders for obvious reasons, but we must hold entities like Experian accountable to be in accordance with Federal Law ; not all accounts must be reported, but of those that are, they must be 100 % accurate and 100 % verifiable or they must be deleted.

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 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: MS

Complaint narrative:
I called them and tried to resolve the problem but the representative tried to make me attempt to a debt that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Response received from Walmart through the CFPB report is not accurate. On top the problems of fraud and scam continue. An e mail received from Walmart states that Walmart did not receive payment for the month of XX/XX/2019. However, I have the receipt of payment posted on XX/XX/2019. The amount credited ( XXXX ) is not the correct amount. My balance with Walmart was XXXX after I had made 2 payments on an adult trike and a XXXX tablet. Those are the only two items I charged to my account. Any other charges falsely Walmart has posted gave to be removed as I did not authorize. If Walmart insist in posting false charges, provide me a video of when did I go to store to obtain any other items. As everyone knows Walmart has records of cameras and times people shop. I need to see my account cleared. The response received is not accepted and is fraud. Do not charge me for things I do not acquire. I have posted this in the XXXX credit report and I have a receipt for the payment made in XX/XX/2019 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 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I have no idea what this company is doing on my credit reports. I have never heard of them or from them and I only get insane amounts of calls demanding money. I have never left a debt unpaid and I dispute this 10000 %! I want these people to stop scamming me for money that is already covered by write-offs and taxes. They are illegally recollecting on top of money already written off and adding astronomical fees and interest not legal for them to do in my state! 

fdcpa laws were violated when i initially disputed this without any results or notice and they never ceases and desisted when i asked them to. I am frustrated and XXXX as to what they want and why they are harassing my family! I will give them 30 days to get their illegal collections off of my credit reports or I am taking this proof to small claims and suing them for FDCPA violations in my state!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: CA

Complaint narrative:
Capital One Auto is reporting a late payment XX/XX/2018. It is impossible. We traded in the vehicle XX/XX/2018 and there has been a zero balance on the account since the dealer sent the pay off check in XX/XX/2018. This reflects perfectly in the history of the balances on my credit report. If you look at the balance history it is obvious there could be no late as there was nothing owed for 6 months prior on an installment agreement where no additional charges could have occurred. 

Capital One Auto acct # XXXX I am attempting to secure housing for my family and this is impacting my ability to do so. It is inflicting severe financial and emotional damage on me and my family. I am recovering from a serious illness caused by stress and this is causing a relapse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Ive have tried calling Navient over the past year to work out a solution and I am only ever given the option to pay {$50.00} once and then back to the regular monthly payment which is over {$350.00}. I owe about {$29000.00} and my interest rate is extremely high, at 13.5 %. I have repeatedly asked to have a lower interest rate and monthly payment. Navient asks me the same question each time I call and give me no other options no matter how far my account goes past due. They refuse to offer any reasonable, long term solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: FL

Complaint narrative:
Ive just reviewed my credit reports at all 3 major bureaus and noticed there are eight inaccurate late items on my report all from my XXXX XXXX XXXX/XXXX student loans. Please note, the only time Ive ever been late was in XX/XX/XXXX, when I sent my payment on XX/XX/XXXX, which was only 12 days late! It should NOT have shown up on my credit reports as even 30 days late, not to mention 90 days late, which is what it is showing. This is absolutely untrue, and Ive attached screenshots of my XX/XX/XXXX payment, as well as the payment I sent XX/XX/XXXX, to show that these accounts were never even 30+ days late. 

They are reporting all 8 student loans as 90 days late, but none of my payments were even 30 days late. This is so frustrating as it's taken my credit score down 200 points, and is not even true! I ask that XXXX remove all of these late payments from my credit reports immediately, as I have provided proof of my payments, and the information they're reporting is not true.

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 2019-02-06 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: FL

Complaint narrative:
Ive just reviewed my credit reports at all 3 major bureaus and noticed there are eight inaccurate late items on my report all from my XXXX XXXX  XXXX student loans. Please note, the only time Ive ever been late was in XXXX, when I sent my payment on XX/XX/XXXX, which was only 12 days late! It should NOT have shown up on my credit reports as even 30 days late, not to mention 90 days late, which is what it is showing. This is absolutely untrue, and Ive attached screenshots of my XXXX payment, as well as the payment I sent XX/XX/XXXX, to show that these accounts were never even 30+ days late.

They are reporting all 8 student loans as 90 days late, but none of my payments were even 30 days late. This is so frustrating as it's taken my credit score down 200 points, and is not even true! I ask that XXXX remove all of these late payments from my credit reports immediately, as I have provided proof of my payments, and the information they're reporting is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: FL

Complaint narrative:
Ive just reviewed my credit reports at all 3 major bureaus and noticed there are eight inaccurate late items on my report all from my XXXX XXXX  XXXX/XXXX student loans. Please note, the only time Ive ever been late was in XX/XX/XXXX, when I sent my payment on XX/XX/XXXX, which was only 12 days late! It should NOT have shown up on my credit reports as even 30 days late, not to mention 90 days late, which is what it is showing. This is absolutely untrue, and Ive attached screenshots of my XX/XX/XXXX payment, as well as the payment I sent XX/XX/XXXX, to show that these accounts were never even 30+ days late. 

They are reporting all 8 student loans as 90 days late, but none of my payments were even 30 days late. This is so frustrating as it's taken my credit score down 200 points, and is not even true! I ask that XXXX remove all of these late payments from my credit reports immediately, as I have provided proof of my payments, and the information they're reporting is not true.

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 2019-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
Noticed this collection since last year and have been disputing it ever since. Convergent Outsourcing is in full violation of the FCRA by failing to verify the account. I've requested I be sent physical proof that the account belonged to me. Instead, they've chosen to just send me an invoice and itemized bill. This is not acceptable, FCRA states there must be a tangible contract provided to me upon my request, that bears my signature, showing that I am responsible for the account.

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 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I am a XXXX XXXX who was injured while working on the job. Upon my injury on XX/XX/XXXX, I have suffered financial hardships. I am a single father of XXXX children and I have been unemployed, had a reduction in income, due to my injury and illness. I had to file a Chapter XXXX Bankruptcy on last XX/XX/XXXX. Recently, however, I voluntarily dismissed the Bankruptcy because my circumstances became better. When the bank/lender ( Bayview Mortgage ) discovered that I was no longer protected by the Chapter XXXX Bankruptcy, they immediately filed to have a foreclosure/auction date for XX/XX/XXXX. 

Although, I am very hopeful that Bayview Mortgage will work with me on a loan modification so my children and I can stay in our home. A few years ago, they gave me a loan modification, but I lost my job, after I was approved. 

Thank you for assisting me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: IL

Complaint narrative:
XXXX XXXX reported an account that was opened in XX/XX/XXXX on my credit. The account is reaged and shouldnt be on my credit. I disputed this with Transunion 3 times and they keep insisting that the information is accurate. They investigated but no feedback was given back to me. I filed a complaint with CFBP and XXXX XXXX XXXX said he had until XX/XX/XXXX to remove it. This has not been done.

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 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a late payment XX/XX/2018. It is impossible. We traded in the vehicle XXXX of 2018 and there has been a zero balance on the account since the dealer sent the pay off check in XX/XX/2018. This reflects perfectly in the history of the balances on my credit report. If you look at the balance history it is obvious there could be no late as there was nothing owed for 6 months prior on an installment agreement where no additional charges could have occurred. XXXX XXXX XXXX acct # XXXX I am attempting to secure housing for my family and this is impacting my ability to do so. It is inflicting severe financial and emotional damage on me and my family. I am recovering from a serious illness caused by stress and this is causing a relapse.

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 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: HI

Complaint narrative:
In the past, I have received debt collection notices from other debt collectors for XXXX XXXX, which is missing a letter from my name although they are similar so I keep receiving this person 's debt collection notices. In the past companies have disclosed that my SSN is one number different than the individual in question. In the past, the debt collection was from XXXX and CFPB helped with resolving the issue because the company was still sending notices after I disputed it. Now I receive another letter from Linebarger Goggan Blair & Sampson, LLP regarding unpaid tolls and penalties that are owed to the XXXX XXXX XXXX XXXX. I keep receiving debt collection notices regarding this XXXX XXXX, who is not me. This letter has a reference # XXXX and account # XXXX. The debt collection amount is {$100.00}. I would like to resolve this issue and stop receiving debt collection notices for another person debt. This has affected my credit in the past and as a service member, I need to ensure my credit is good. I have called the number on this letter and the man did not help and just I had to dispute it with proof, but I can't provide that without disclosing my personal information like SSN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: NE

Complaint narrative:
Hello, I called My bank Pentagon Federal credit union at the end of XXXX asking if I wanted to pay the cash advance from the balance transfer I had how can I do that. The member service rep told me. # 1 Stop making purchases on the card. So I cut the card up. # 2. Any additional money paid to the credit card would get applied first to the cash advance and then to the purchases. # 3 the agent mentioned I should transfer the cash advance balance to a 0 % interest card to get that paid off if it was fee-sable. I said great. I ended up opening another card with another company to transfer the balance of the cash advance. 

The company I opened the transfer with sent pentago federal a check for {$4000.00} I looked at my statement today and i noticed that I'm still showing the purchases and I'm still showing the cash advance. Both have the same interest rate. I told them they should of got rid of the cash advance and only had the purchases. 

Purchases 13.99 % {$2500.00} {$29.00} {$2500.00} Cash Advances 13.99 % {$2500.00} {$30.00} {$2600.00} They Specified per Government regulation that they had to do it this way. So I would like to know if this is indeed accurate or if they could of applied it all to the Cash Advancement and any remaining to the purchases. 

Here was there response to me. I'm not satisfied since I did what there rep told me to do to try to clean this up. 

Upon speaking directly with our credit card department, they stated the following : When payments are made over the minimum, the remainder will be applied to the balance with the highest interest baring balance. If 2 balances are at the same APR, we split the payment between the 2. There are numerous outstanding purchases on this card. Purchases and Cash Advances ( or expired balance transfers ) are at the same rate, therefore the system split the payment between the 2. 

Unfortunately, the Member Service Representative you spoke to may have misunderstood the situation and provided incorrect information. 


Please let me know

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 2019-02-07 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: Douglas, Chancellor, Meyers and Associates, LLC
State: IL

Complaint narrative:
Douglas Meyer reported an account that was opened in XXXX on my credit. The account is reaged and shouldnt be on my credit. I disputed this with XXXX   3 times and they keep insisting that the information is accurate. They investigated but no feedback was given back to me. I filed a complaint with CFBP and Douglas Chancellor Meyer said he had until XXXX of XXXX to remove it. This has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted Equifax to manage my security freeze but they are unable to do so both online and over the phone. I have provided many information but they we unable to verify my information purely based on the fact that I don't remember if I have a security PIN or not. For other companies, you can easily get access by answering security questions about your past, but not Equifax. Now my credit freeze isn't allow me to sign an apartment. Equifax also has no way to escalate this or expedite this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SACOR FINANCIAL, INC
State: NY

Complaint narrative:
Around XXXX I opened an I had an account with XXXX XXXX ( XXXX ). The original amount was {$1800.00} for the purchase of a computer at 26 % interest. 
They sold the account to another company, which name I don't recall. That company subsequently sold the account to Sacor Financial. 
In around XXXX. Sacor contacted me over the phone and advised me that I owed them {$3800.00} on said debt. At that time I agreed to make a payment arrangement of {$40.00} Monthly. After that I called them multiple times over the years to ask how much I owed and for them to send me statements by mail. However, I was told that they didn't ; have to send me any statements. 
Recently, I contacted them because I wanted to pay-off my bill. Consequently I received a letter from them, just stating that I owed them {$14000.00}. When I called them and asked them how could that be possible, They told me that it was due to accumulation of interest. 
I then requested a breakdown and the account Representative didn't know how much did I owed when they bought the debt. They told me that they did not have that information. They bluntly told me that I owed them {$14000.00}, They took my payment of {$40.00} a month for ten years totaling {$4800.00}. Where did that money went. I am willing to pay the correct amount and that is the correct amount.

I hope you can help me on this matter there are many consumer in the internet ( website review ), which are having the same problem with Sacor. 
Can you help me on this please. or do you recommend for me to hire an attorney to deal with this company. 
I hope to hear from you soon Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Case # XXXX. Still waiting for the check. Contacting PayPal and getting help is almost impossible.

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