vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelson and Kennard, LLP
State: WA

Complaint narrative:
NELSON & KENNARD ( XXXX XXXX XXXX ) unlawfully and deliberately published my copyrighted name amongst court records and have unlawfully defamed my name without my consent. On or about XX/XX/XXXX, I sent out a Conditional acceptance claim for proof of claims. I also stated, each and every averment be answered with law and specificities of law. I was ignored. On or about XX/XX/XXXX, I sent out a default notice for failure to provide any information regarding my Conditional Acceptance contract XXXX. Nelson & Kennard ( XXXX XXXX XXXX ) ignored my lawful requests and decided to go ahead with suit filed by them to XXXX COUNTY COURTHOUSE case XXXX. Since an arbitration was set, all parties were notified, Arbitration occurred on XX/XX/XXXX. The Arbitration award in the amount of XXXX has been awarded to XXXX XXXX at XXXX XXXX XXXX  XXXX. XXXX WA. XXXX. I demand, my property ( credit ) be restored. There will be a XXXX dollar fee for the use of my copyrighted name starting XXXX XXXX. This will be legally binding on all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX ,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX ,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans XXXX XXXX XXXX, XXXX XXXX XXXX , XXXXXXXX/DEPTOFED XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans XXXX   XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On Sunday, XX/XX/2019 at about XXXX XXXX. I applied online for a XXXX XXXX XXXX ( XXXX ) home loan with a licensed XXXX home loan officer located in the State of Iowa. The male XXXX loan officer told me that " TransUnion '' had a " Credit Freeze '' on my " TransUnion '' credit file. And that XXXX could NOT proceed with my online home loan application until my " TransUnion Credit Freeze '' was unfrozen. The XXXX loan officer told me to call " TransUnion '' at XXXX and I immediately did so. Yet the employee at " TransUnion '' told me that " TransUnion '' could NOT release my " Credit Freeze '' over the phone even though I had answered CORRECTLY all of their " Security Questions ''!!!!

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 2019-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson and Kennard, LLP
State: WA

Complaint narrative:
Nelson & KENNARD ( XXXX XXXX XXXX ) continues to defame my copyrighted name to enrich themselves. Arbitration has already been conducted. They owe XXXX. They continue to hold my property in store. My credit is being held by them to extort me. I demand my credit be restored I charge XXXX dollars per day as of XX/XX/2019. I have a legally binding Arbitration Award stating they are in Breach of Contract. Yet they continue to threaten me with false lawsuits they have no jurisdiction to do so by. They also have NEVER replied to certified mailings to proof of claims. They say they represent XXXX  XXXX XXXX but I have not seen chain of authority I asked for, nor any other evidence they are legally authorized to collect on In God We Trust Notes. In any State.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
ftc violation showing on credit report sent ftc and all required documents to have these accounts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: TX

Complaint narrative:
ftc violation showing on credit report sent ftc and all required documents to have these accounts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: Penn Credit Corporation
State: OH

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that I owed them XXXX on a previous address I did not live in since XX/XX/XXXX of XXXX. I paid all my bills once we left and never was aware of an unpaid bill until I received an alert on XXXX XXXX. I then received the letter. I responded to the letter and mentioned why did they report it to my credit reports then send out a letter and not let me take of it after I researched if I owed it or not and if I owed it I would pay it. They reported me without giving me noticed or 30 days to resolve it. After speaking with them the next day I called to resolve as I could not find anything that far back that I paid it so I told them if they send a letter stating they would delete from all 3 credit bureaus I would pay it. They agreed and sent me the letter then I paid it on the XXXX of XX/XX/XXXX. I have attached proof. I have tried to dispute but they came back Verified and not changes????? But, if they did they would see the letter I sent from them and payment? Please remove from all credit reports. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
I have been to XXXX XXXX only on emergencies and I have XXXX insurance they never did anything for me in the emergency room they only referred me to other doctors I don't understand how this could be affecting my life so much when they really have no right to be trying to collect anything they charged my insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My Name is XXXX XXXX and i have been disputing these items for over a year. These companies are in direct vitiation of CRA 's section 609 because they did not display my full account number on my report. I have never given none these institutions right to report partial, scramble or rearrange any account numbers on my report which is out of compliance as false information showing on my report. These creditors have a xxxx 's in the place of numbers on my report which is inaccurate. Some of there names are spelled different from their creditors name on my report. Please remove these accounts off my report or will be forced seek further legal counsel. The FCRA clearly states that everything on your credit report must be 100 % accurate or it must removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
On Saturday XX/XX/XXXX I called XXXX XXXX to make a payment for XXXX 's payment as it was due before XX/XX/XXXX on Monday as it would be consider late. The lady said I qualified for a payment deferment and I said great and next payment would be due XX/XX/XXXX. The lady mentioned she completed for XX/XX/XXXX and took payment for the interest. I had ask the lady that if my payment is due on the XXXX would it be considered late. She said no since I did the deferment on the XXXX and took payment for the interest ( which came out of my account on the XXXX ). On the XX/XX/XXXX I received a alert from XXXX XXXX that I was 30 days pass due on my XXXX. I called right away to XXXX XXXX and asked them why this was done. They said they see that the deferment was done on the XXXX but the interest payment was taken out after the due date so it's considered late. They said to dispute with their department and I did but they did not see a dispute???? I asked the lady who made the payment deferment and she assured me since it was done on XX/XX/XXXX it would not ( which I trusted since it was before the date needed to be made ). This is an error on XXXX and customer service rep who seems as they did not know their process on payment deferment. Or I would of just made my payment on XX/XX/XXXX if that was the case. Please remove lates for all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: TN

Complaint narrative:
I lived in the XXXX XXXX XXXX where I lived for eleven months which was paid up. My lawyer XXXX. XXXX, XXXX. The Apartment was Inhabitant to live in n Att. XXXX instructed Me to move, A letter was presented to the Resident Mgr. on My move. Attachment is the letter written to the Manager. My Attorney XXXX. XXXX can give more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION
State: KY

Complaint narrative:
I opened up a new checking account with BB & T bank based on an new account bonus of {$300.00} on XX/XX/XXXX, via the following weblink : XXXX : XXXX. I have not received the bonus despite multiple communication attempts via secure email, phone, and email with the branch manager XXXX XXXX beginning XX/XX/XXXX, and ending XX/XX/XXXX. I have fulfilled the terms of the new account bonus. Below are the terms of the bonus : BB & T is offering a bonus of {$300.00} when you open a new BB & T elite gold checking account. You need to open the account with the promo code XXXX and complete one of the following requirements : Maintain an average daily balance of {$5000.00} or more within 75 days of account opening OR Complete direct deposits of {$2000.00} or more within 75 days of account opening Offer is limited to one incentive per household Any account not in good standing, closed or with a balance less than or equal to zero at the time we review account eligibility ( between XXXX days of account opening ) will not receive the bonus All bank account bonuses are treated as income/interest and as such you have to pay taxes on them I completed XXXX direct deposits of {$1000.00} on XX/XX/XXXX, and XX/XX/XXXX, ( 53 days after new account opening ). It has now been 161 days since the new account opening and the bonus has not posted.

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 2019-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BBVA FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have tried to call numerous times, I keep getting transferred to multiple departments who are either closed or place me on long holds before disconnecting calls saying due to system technical errors. 
I have received your response, and to clarify my request I demand you cease and desist reporting to all credit bureau agencies, and delete the entire account history in full for inaccurate reporting. I am disputing the debt you have charged off which is why I want all communications with me stopped regarding the account. You dont have any right to damage my credit report after you have incorrectly applied a payment reimbursement '' as a curtailment. You are a not using common sense, and I don't care what your policy is because it is invalid in this case. The payment was not sent to you from an insurance company, it was sent to me as repayment for money I spent out of my own pocket to fix the car. As I have stated numerous times that money was allocated for monthly payments in my budget and it is not up to you to decide have to distribute my money on my accounts. Therefore you are in violation of several consumer protection laws I will hire an attorney to enforce in a federal court of law while requesting at least {$75000.00} in damages along with attorneys fees if this account history is not removed from XXXX, XXXX and XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
There were 2 charges to my account that I didn't make. on or about XX/XX/XXXX for {$500.00} and XX/XX/XXXX for {$350.00}. These charges were made by my daughter XXXX XXXX. She applied for her own credit card when making the 1st purchase. Her credit card was approved and sent to her home address in XXXX XXXX NY. I have informed the credit card co. of this, and a copy of XXXX 's credit card has been sent to them in a sincere attempt to correct this company error. 
These charges were disputed and I was making the minimum {$27.00} monthly payments to protect my credit. On XX/XX/XXXX XXXX XXXX Bank sent me a check for {$210.00}, with no explaination of what the check was for. I thought the problem was resolved. Then on XX/XX/XXXX I recieved the XXXX 's XXXX statement that closed on XX/XX/XXXX, with a reversal of the provisional credit of {$350.00}, and a reversal CHARGE of {$21.00}, and also listed the refund of {$210.00}. This bill showed a new balance of {$370.00}. 
Bottom line is I never made these charges. My credit report is not showing this credit card anymore, however I did make the minimum {$27.00} payment and noted disputed on the check. I really needed some time to look into the legalities of what is being done. Do I have to continue making the minimum payments to protect my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have tried to call numerous times, I keep getting transferred to multiple departments who are either closed or place me on long holds before disconnecting calls saying due to system technical errors. 
I have received your response, and to clarify my request I demand you cease and desist reporting to all credit bureau agencies, and delete the entire account history in full for inaccurate reporting. I am disputing the debt you have charged off which is why I want all communications with me stopped regarding the account. You dont have any right to damage my credit report after you have incorrectly applied a payment reimbursement '' as a curtailment. You are a not using common sense, and I don't care what your policy is because it is invalid in this case. The payment was not sent to you from an insurance company, it was sent to me as repayment for money I spent out of my own pocket to fix the car. As I have stated numerous times that money was allocated for monthly payments in my budget and it is not up to you to decide have to distribute my money on my accounts. Therefore you are in violation of several consumer protection laws I will hire an attorney to enforce in a federal court of law while requesting at least {$75000.00} in damages along with attorneys fees if this account history is not removed from XXXX, XXXX and Transunion immediately.

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