vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted all credit bureaus and asked to have a public record which is my bankruptcy removed due to the new law dealing with Transunion and public records, I requested for the public record to be removed and that was 49 days ago!

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 2017-08-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To Whom It May Concern, I have learned that you are reporting 4 accounts on my credit report with the following balances : {$12000.00}, {$13000.00}, {$13000.00} & {$0.00} which I have repeatedly asked you to validate that the information being reported is correct. The account status shows charged-off yet a balance is still being reported to the Credit Bureau. This information is inaccurate and therefore does not comply to the FCRA. I have disputed this with you on multiple occasions and requested you provide me with my signature of proof that this is indeed my account. Your company did not reply in a timely manner to both letters I sent and which you signed for, one on XX/XX/XXXX and the other on XX/XX/XXXX. By not replying my letters, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing these accounts are being reported accurately. Your non-compliance of federal laws under the FDCPA, FCRA and state laws is unacceptable. I am requesting you resolve my concerns immediately. Failure to do so may require I pursue a small claims action against your company.

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 2017-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted all credit bureaus and asked to have a public record which is my bankruptcy removed due to the new law dealing with XXXX and public records, I requested for the public record to be removed and that was 49 days ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted all credit bureaus and asked to have a public record which is my bankruptcy removed due to the new law dealing with XXXX and public records, I requested for the public record to be removed and that was 49 days ago!

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 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Diversified continues to report a collection account on my credit report is unpaid, despite the fact that I paid it in full back in XXXX. I have disputed this account listing several times, but Diversified continues to report the account as unpaid. I am attaching a confirmation on my payment to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My name is XXXX XXXX, and Transunion is reporting a dismissed bankruptcy on my credit report. I received notification that the bankruptcy was removed from my credit file. After removing it, Transunion put it back on my credit report. According to the Fair Credit Reporting Act, Transunion is supposed to notify me within five business days of adding and removing anything from my credit file. Transunion has failed to do this, so I am requesting that the Bankruptcy is permanently removed from my credit file. After reviewing my Transunion credit report, I noticed that the public record does not include my name, address and either my social security number. None of this information is showing on my Transunion credit report regarding my public record, so I would like the bankruptcy to be removed. I would also like an updated credit report once this is 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 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: MN

Complaint narrative:
XX/XX/XXXX2017, I called DCI for more information about their {$280.00} collections on my credit report. The first collector stated that DCI failed to send out a validation letter informing me of my right to dispute as a result of a Do Not Call Request. He went on to say that the original creditor sent notice and refused to explain to me why his employer, DCI ceased written corrospondents. He ended the call by stating that he could no longer help me. I warned him not to terminate the call. I called back and spoke with someone who identified himself as a Project Manager who begin to repeat an inverted form of my address to me in an attempt to suggest that DCI had the incorrect address. I summarized the previous call to him and he chose to imply that I did n't understand what a validation letter. The manager contradicted the previous collector 's responses and insisted that the Do Not Call Request was instead a request for DCI not to contact me at all. Both collectors interrupted me repeatedly and refused to answer my questions regarding validation of debt. My credit score has dropped 34 points as recently as this morning. How do I rectify this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I discovered XXXX XXXX XXXX account number xxxxxxxxxxxx XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This account was detected to have been deleted between XX/XX/XXXX and XX/XX/XXXX from Equifax which I have proof. Also, this account was deleted by the other CRAs ( XXXX and XXXX ) as well and has not been reinserted to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened an account at QVC with a limited amount of {$2500.00}. QVC has a policy of selling items on " flex pay '', meaning a customer has 2,3 or more months to pay the balance. I paid a minimum or more amount regularly every month, assuming that amount covered amount due. Then I get a phone call saying I owed an undisclosed amount ( somewhere around {$500.00}, they said ) over my limit. I asked why I was allowed to order over my limit but never got an answer. Now I am paying on two separate bills, one to their loan company and one directly to QVC and apparently they have also transferred some accounts to my XXXX XXXX without my permission!

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 2017-08-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A rent-to-own company called XXXX XXXX is reporting that I have an unpaid {$3800.00} charged off account on my credit. The account number being reported to my credit is " XXXX ''. I have never had an account with this company and this debt does not belong to me. At first, I thought this was a reporting error by the credit bureau but after more than five months of disputes, Experian has not deleted it because they keep saying it is my account and I need to call XXXX XXXX to handle this. This is where my problem begins : I have called XXXX XXXX on the number provided to me by the credit bureau letters and they are telling me that the name the account is under is " XXXX XXXX ''. That is not my name. My name is " XXXX XXXX ''. I have tried getting them to send me some sort of supporting document or proof that the account is under this other person 's name but the regional manager will not give me any information because the account is under XXXX XXXX and I am not that person. This is ridiculous. What am I supposed to do to get this account off my credit? If XXXX XXXX does n't delete this from my credit report or mail me a supporting document I can send to Experian, I am going to file a police report for fraud. I have never had an account with this company.

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 2017-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This a formal compliant against TransUnion regarding inaccuracy on my credit file. On XX/XX/XXXX, I discovered that XXXX XXXX account number XXXX XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX which I have proof. I know that CRAs does not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX by DELETING/REMOVING this account from my credit file.

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 2017-08-24 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Pay Pal placed 5 inquires on my credit. 4 on XXXX, two of them were on back to back days XX/XX/XXXX and XX/XX/XXXX, one on XX/XX/XXXX, another on XX/XX/XXXX for  XXXX and then one for XXXX XXXX XX/XX/XXXX. I disputed these inquiries with XXXX and XXXX XXXX, they told me to contact the Creditor directly. I contacted Pay Pay and explained the inquiries were un authorized and could they provide me with documentation to show that I personally made those inquiries. They sent me a letter stating that the inquiries were authorized because of a check mark listed on an online application that says they can run my credit, however ; they did n't provide me with the copies of the applications or anything to show that I made those inquiries, they were not helpful to me in any way. I even have a fraud alert listed on my credit report and Pay Pal made no attempt to go through security measures to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: DC

Complaint narrative:
In 2015, I noticed a collection on my credit report from Glenn Associates Mid Atlantic for XXXX XXXX. I, immediately contact Glenn Associates via email regarding the debt, whereby it does n't belong to me. 

During, this time, I asked Glenn Assoc. to contact the CRA 's and inform them that the debt is disputed, and ask them to delete it from my credit report, but fail to do so. 

It has been two years and counting since my initial communication with Glenn Associates, and they have fail to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion had two separate glitches XX/XX/XXXX- XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. 

During these time I used XXXX to monitor my credit file. All of my inquires were removed during the glitches. The inquires were placed back on my credit report illegally after the glitches were discovered. I was not notified in writing 5 days after the inquires were added back to my report. I have called several times and spoke to representatives about this violation with no solution.

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 2017-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am the co- signer on my Daugters Loans, My daughter is struggling to make regular payments, so she 's doing forebearance, But its XX/XX/XXXX, and i recieved 10 15 phones calls a day fr0m different area codes telling me I am past due this start last week her account is {$11.00} past due. Is their any way to remove me as co signer or get the phones to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am having a problem with navient. I have filled out papers for the repayment plan and keep being told I did n't do it. They consolidated my loans, they have closed and opened the accounts so many times it keeps messing up my credit score. I have asked three times for copies of all my paper work including the original loan documents and they have told me they are in the mail. After 2 months I have yet to get them. I am cniurrently waiting for papers to be sent to me so I can finalize my repayment plan o the income based program. But they have n't showed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I submitted a compliant with the CFPB 60 days ago regarding an account that appeared on my credit report that listed an amount that I did not owe. XXXX XXXX XXXX ) According to CFPB XXXX XXXX submitted a dispute to the credit bureaus ; Experian, XXXX and XXXX but I never heard any of you. I want my credit report updated and this account removed.

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 2017-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received emails from Capital One stating that my payment had posted. The payment was never posted and the funds had not been taken from my account. The representative on the phone told me that they send them out to avoid any " Late payments. '' Unfortunately this caused me to have 2 payments returned. I sent another payment for {$110.00}, received an email that informed me that the payment posted, I called the following day trying to find out why it had not been posted on my card so I had the available credit ( because I needed it ), and my bank was n't even going to release the funds for another 3-4 days. I did not even have a payment due!!! I was making an early payment. Because I could not wait another week for the funds to be available and because no payment was due for over a month, I decided to take the funds so that I did n't have to wait so long. I could make a payment in a week or two and be fine. Capital One just decided to close my account. This is a secured account. I really messed up my credit in the past and this was my first step in trying to repair my credit. Now I have this account on my credit report that says, " Closed by creditor '' and was only 2 months old. Considering that I received emails saying my payments were posted, I wanted Capital One to either reopen my account, or change the reason why it was closed, as to not have another negative impact on my, already negative, credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: NV

Complaint narrative:
I have informed this company several times this is NOT my debt I have not been to XXXX XXXX Hospital and have GREAT insurance that covers all my cost. THIS IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GULF COAST COLLECTION BUREAU, INC.
State: GA

Complaint narrative:
This company repeatedly uses an autodialer to contact me on my cell phone. I only know the company name because I XXXX the number. They call and if I answer all I hear is hold music or if they leave a voicemail it is hold music for a good minute until someone picks up and starts talking. I am a XXXX veteran and have been diagnosed with XXXX and because of this companies tactics to autodial I miss out on getting important calls from my medical team. I have never received written notification as to what this is comcernimg which they are required to do.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Global Payments Check Services, Inc.
State: GA

Complaint narrative:
I have student loans reporting from 2004 which are repeating twice and should be off my report.Totals are XXXX for one and I have many XXXX tried calling and have written letters no reply .This loan are over 10 years old still reporting repeatedly to account.Please help me remove them.XXXX XXXX XXXX and XXXX XXXX XXXX.My loans were transferred which they should be removed for that purpose XXXX check was deleted off and they reported it back with a new starting date account was never mine and disputed it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Unknown debt, I have not had any medical visits in a long time this is NOT accurate and untrue I owe anything to this company

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 2017-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
PHEAA is terrible! I can never get an accurate count of payments for the loan forgiveness program. I 've been paying for 2 years but they will tell me only 12 payments have qualified without any reason or detailed history. 
They also jack up my payments every year then take months to review the documents I send, then deny me without providing a reason or letter. When I question them their reasons make no sense. I ca n't afford the payments their telling I should pay.

Company response to consumer: Closed with explanation