vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2018, CFPB provided me with response from PayPal Credit to my complaint about unwanted credit line. In the response, PayPal Credit indicates the line of credit remains open. Since I've earlier closed my PayPal account, I have no access to this credit line and have no way to close it via the website. When called on the phone, PayPal Credit requires the credit line account number that, again, I can not get from my closed PayPal 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 2018-11-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These 2 hard inquires were made with out my permission and I want them removed from the credit reporting agency. 

Equifax XX/XX/17 XXXX XXXX - XXXX Equifax XX/XX/17 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: VA

Complaint narrative:
I had a test ordered for XXXX. The doctor did not sign the order until the insurance company OK 'd the order. I told XXXX that I would not allow the test until I was assured the insurance would pay. XXXX assured my doctor and myself the insurance would pay. 2 months after the test, I got a reject from my insurance company and XXXX wanted to bill me {$780.00} for the test! I told them I was not going to pay for it because they stated that the insurance OK 'd the bill Also the collection company does not have a valid VA SCC number so they can not do business in VA! They are breaking Virginia Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: NC

Complaint narrative:
In the matter of XXXX XXXX XXXX. I have started many disputes for the reporting of inaccurate information on my credit reports.in the month of XX/XX/2018, you can see the proof that on XXXX and XXXX XXXX at the same time different information was being reported. ( see attached files ) The FCRA protects me from having inaccurate from being reported. Also, I was turned down for credit that I would otherwise receive. In complaint # XXXX with the Attorney General, XXXX XXXX per XXXX On XX/XX/2018, sent a letter saying the account is valid and accurate. I only started looking into my credit in XX/XX/2018, so it only shows the lies from them are true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Back in 2014 a internet scam company from XXXX had me purchase XXXX products on AMX than send the products to XXXX. AMX was on the phone the whole time approving each transaction and increasing my limit as I told them exactly what was happening. When the product was sent and no money, AMX expected me to pay the amount even though AMX clear the increase in credit limit and was an active participant in the scam

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: NV

Complaint narrative:
My credit report from transunion is inaccurate and everytime over the last year my credit is pulled they are reporting inaccurate information causing me to get declined. transunion is slow to do anything, transunion has also caused a credit account to close after 90 of no usage referencing my score and time of accts and history balance. Im under 30 % DTI they are not reporting this, i have had credit for over 3yrs and my score is over 675. Well transunion is the one reporting these things thats are wrong causing my inquiry 's to build because they wont approve my loans, then saying to many inquirys. This seems abusive because the other two are reporting accurate history under 27 % DTI 100  % on time payments minimal inquiries because they are trying to help for real. I can see that they want me to sign up for their service to help but they should just do there job and report accurate. 

My score should be reporting over 700 like my other credit bureaus

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 2018-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
CFBP  has assisted me with a previous complaint with Nationstar / Mr. Cooper ( file number XXXX. ) That incident was rapidly resolved by CFBP. 

However, Nationstar / Mr. Cooper has, one again. issued 2 new checks that are in my name and my sisters name. 

As the previous problem had been that my sister and I do not share a banking account. Despite the fact that I had fulfilled Nationstar / Mr. Cooper demands that I provide proof of my payments, a letter from my sister that she has no interest in any funds refunded, a letter from my banking institution that they can not accept any deposits for any checks without my sister being on the account and that the problem was not resolved until CFBP stepped in, leads me to the conclusion that Nationstar / Mr. Cooper has no intention of issuing any further checks in mt name only. 

Please contact Nationstar / Mr. Cooper regarding the issue with any fund checks regarding my former account with them. 

Thank you I have attached a copy of the two new checks from Nationstar / Mr. Cooper

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I purchase the vehicle from XXXX XXXX under XXXX XXXX XXXX XXXX and paid off XX/XX/2017, received release of lien. At  the end of paying off the loan they will not report the loan was paid in full {$26000.00}. I want it reported to transunion, XXXX and XXXX that it is paid in full. XXXX XXXX financial manager said he would do it. He is no longer with the company, XXXX the stepson of owner threatened if I persisted he would report I was late on payments. I am a single female and I will not allow anyone to obtain any favors for a favor. I do not want to go in there. I paid the loan off and it should be reflected. I suffered with XXXX XXXX and I need my credit report to show paid. I have to repair my home and need a loan. Threatening consumer to make a bad report after paying off the loan should be illegal.

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 2018-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I purchase the vehicle from XXXX XXXX under XXXX XXXX XXXX XXXX and paid off XX/XX/2017, received release of lien. At the end of paying off the loan they will not report the loan was paid  in full {$26000.00}. I want it reported to XXXX, equifax and XXXX that it is paid in full. XXXX XXXX financial manager said he would do it. He is no longer with the company, XXXX the stepson of owner threatened if I persisted he would report I was late on payments. I am a single female and I will not allow anyone to obtain any favors for a favor. I do not want to go in there. I paid the loan off and it should be reflected. I suffered with XXXX XXXX and I need my credit report to show paid. I have to repair my home and need a loan. Threatening consumer to make a bad report after paying off the loan should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I purchase the vehicle from XXXX XXXX under XXXX XXXX XXXX XXXX and paid off XX/XX/2017, received release of lien. At  the end of paying off the loan they will not report the loan was paid in full {$26000.00}. I want it reported to XXXX, XXXX and experian that it is paid in full. XXXX XXXX financial manager said he would do it. He is no longer with the company, XXXX the stepson of owner threatened if I persisted he would report I was late on payments. I am a single female and I will not allow anyone to obtain any favors for a favor. I do not want to go in there. I paid the loan off and it should be reflected. I suffered with XXXX XXXX and I need my credit report to show paid. I have to repair my home and need a loan. Threatening consumer to make a bad report after paying off the loan should be illegal.

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 2018-11-18 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: NC

Complaint narrative:
In the matter of XXXX XXXX XXXX. I have started many disputes for the reporting of inaccurate information on my credit reports.in the month of XX/XX/2018, you can see the proof that on XXXX and XXXX XXXX at the same time different information was being reported. ( see attached files ) The FCRA protects me from having inaccurate from being reported. Also, I was turned down for credit that I would otherwise receive. In complaint # XXXX with the Attorney General, XXXX XXXX per XXXX On XX/XX/2018, sent a letter saying the account is valid and accurate. I only started looking into my credit in XX/XX/2018, so it only shows the lies from them are 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 2018-11-18 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: NC

Complaint narrative:
In the matter of XXXX XXXX XXXX. I have started many disputes for the reporting of inaccurate information on my credit reports.in the month of XX/XX/2018, you can see the proof that on Experian and XXXX XXXX at the same time different information was being reported. ( see attached files ) The FCRA protects me from having inaccurate from being reported. Also, I was turned down for credit that I would otherwise receive. In complaint # XXXX with the Attorney General, XXXX XXXX per XXXX On XX/XX/2018, sent a letter saying the account is valid and accurate. I only started looking into my credit in XX/XX/2018, so it only shows the lies from them are 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 2018-11-18 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
On, XX/XX/2018 I sent a letter disputing an account for Santandar Consumer USA in  regards to the amount being reported incorrectly for one report as {$33000.00} & another {$36000.00}, as well as being charged off/collections. During this time Santander failed to report my account was being reported, the letter was mailed on the XXXX of XXXX certified, signed for on the XXXX of XXXX, and a response was sent and received on XXXX2018. I pulled all 3 credit reports for the next 60 days and a dispute was never recorded on my account. Per the FCRA & FDCPA a notice of dispute is to placed on any account disputed within 31days and Santandar Consumer USA violated these federal laws. No response was ever received after sending the letter requesting for this item to be removed due to these conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: Middle Georgia Management Services
State: GA

Complaint narrative:
XXXX {$2000.00} You can not collect a debt twice ... 

... grave errorfalse claim and reportingI want this account removed, and reported to credit bureaus immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XX/XX/2018 was loaned {$970.00}. paid {$2400.00} at 530.588 % APR XX/XX/2018 was loaned {$1800.00}. paid XXXX at 416.852 % I took the loans because when I went in both times the clerks say they will report to Credit agencies. 
Which I think is normal. What they did not say is they only report if the person does not pay the loan in full. 

They did not clarify that only people that don't pay are reported and when people apply. 

If a consumer is trying to re-establish credit and pay a high interest rate there is no benefit to the consumer for loans with other agencies. 

This makes the consumer to be able to borrow from the same creditor at a higher rate. 

They misinformed the consumer by saying they do report to credit agencies. I want the loan company to report I paid in full and as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc.
State: TN

Complaint narrative:
Mid-XX/XX/2018, after receiving a credit increase on my account, I went into Conn Furniture to look into purchasing some additional furniture. I still had a balance on my existing account so before looking at any merchandise my first concern was to see how they would handle my previous balance. I was told that they would combine the two accounts ; the old and the new one, and indicated that my monthly payment could potentially be lower than what I was paying or it could remain the same. With that understanding, I decided to purchase some furniture. The salesperson worked up the deal on his XXXX and told me that my monthly payment would be {$160.00}, which was the same amount I was already paying so I agreed to make the purchase. They did not give me a bill or a receipt but said they would send the information to my email. I had a previous account with Conn Furniture so I took them at their word. 30 days later I began to receive text, emails, and phone calls indicating that my " accounts '' were past due, Not one, but two accounts. I tried to speak with the manager of the store and was told they could not do anything about it and directed me to their customer service/and or some department over the phone. With each call, I was directed to another area and was then told I had to bring both accounts current before they could assist me with combining the two accounts. I did make two payments last month as they instructed with another call to their credit department. At the end of the phone conversation again, I was lead to believe that the accounts would be combined which as of today, XX/XX/2018 that are not and one has been sent to their collections area.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LEXISNEXIS
State: LA

Complaint narrative:
I'm really not sure what is being charged on my credit but I know for sure I don't owe anything!! I've been trying to fix this and all I get is put on hold for hours ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: NC

Complaint narrative:
On, XX/XX/2018 I sent a letter disputing an account for XXXX XXXX XXXX in regards to the amount being reported incorrectly for one report as {$33000.00} & another {$36000.00}, as well as being charged off/collections. During this time XXXX failed to report my account was being reported, the letter was mailed on the XXXX of XXXX certified, signed for on the XXXX of XXXX, and a response was sent and received on XXXX.2018. I pulled all 3 credit reports for the next 60 days and a dispute was never recorded on my account. Per the FCRA & FDCPA a notice of dispute is to placed on any account disputed within 31days and XXXX XXXX XXXX violated these federal laws. No response was ever received after sending the letter requesting for this item to be removed due to these conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Incessant calling after having been told to stop calling

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
My complaint is that XXXX XXXX XXXX out of XXXX XXXX California called me on XX/XX/XXXX telling me I owed roughly {$3000.00} on a credit card. I know this is not true because I filed it with my bankruptcy in XX/XX/XXXX. The lady that called me said that the lawyer was following through with it today, whatever that meant I dont know. The lady also said that their company may freeze my bank account, put a lien on any property that I own and keep my wages from my employer and take any tax refund that I may be able to receive from the IRS. I never received anything in the mail on this issue and the XX/XX/2018 was the first time I have heard from this company. I dont owe anything to anyone on this credit card and I didnt like them threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
A couple months after leasing my XXXX XXXX which I still have I paid the lease off in full. In XX/XX/2018 I moved from XXXX area to XXXX XXXX, AL. Evidently the taxes on a lease change based on where you live. I pulled my credit and a 30 day notice in XX/XX/2018 showed up on my lease that is paid off. Evidently I pay {$17.00} more per month in taxes on a lease payment than I do in XXXX in XXXX XXXX. I was never notified. No mail, no call, no notice. No nothing. Just found a 30 day on my credit. I called Nissan and rep said no problem this makes sense. I will submit for you to be taken off. I paid the {$150.00} in taxes for the rest of the term and received a letter stating that the 30 day will not be taken off and that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter and Warfield are trying to collect on an invalid debt from XXXX XXXX. XXXX XXXX was paid in Full. I have submitted a separate complaint about XXXX XXXX and the incorrect balance due.

Company response to consumer: Closed with explanation