vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As of a result of a XX/XX/XXXX settlement between 31 state attorneys general and XXXX, Equifax, and XXXX, who together created the National Consumer Assistance Plan. The plan which went into effect in the second half of XX/XX/XXXX was designed to limit credit reporting errors that negatively impact scores. The settlements prompted the credit-reporting companies to take away some non-loan associated gadgets that have been despatched to collections companies. The companies additionally agreed to take away medical-debt collections which were paid by a affected persons insurance coverage. 

I have requested for both Equifax and XXXX to enforce this settlement, as it relates to my reporting of Non-Loan, ( specifically XXXX XXXX ) and the one medical dept listed ( XXXX XXXX ), as it  was paid by my insurance at the time, however they decided to Balance Bill the difference, which is illegal. - I am again requesting both Equifax and XXXX  enforce this settlement and remove these 2 items.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: FL

Complaint narrative:
I have been fighting this since XX/XX/2017 I filed BKPT, but did not include my car of my apt.. I have repeatedly sent the bureaus information which shows that these 2 items were not included, yet Experian refused to remove them as a negative item included in BKPT the same for XXXX, although XXXX  did remove the car as a negative they still show the apt as being included in the BKPT, I dont know how else to ask them to correct the information

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 2018-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: PA

Complaint narrative:
I went to the hospital sometime in I believe in XX/XX/2013.I didn't have insurance at the time or a job.I specifically told them to not do anything unless I qualify for free care.I applied for free care which they made me do and should have qualified with no problem because there was no income. Why I didn't receive it till this day I have no idea. But it definitely should of been covered. I called way back and told them this and also told them to please do no test unless I have coverage.I assumed that I had free coverage because they ran some tests.I later received a bill for {$5700.00} that was reported to all three credit bureau's.I called and disputed this bill but they have me jumping through hoops every time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone transfered {$2400.00} from my chase account to XXXX XXXX account on XX/XX/2017. I filed identity theft report to XXXX and they have completed their investigation and closed the account. I never received the money back from XXXX. Chase claimed that XXXX never transfered the funds back, therefore, I am responsible for the money. Since then, it has been more than a year, I can not get the two banks to work together to resolve the issue. I still lose my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In 2017 I went into the store to make a purchase. I purchased merchandise that had to be ordered from XXXX a ladies store in XXXX XXXX, Il. when the merchandise arrived I was notified and went to the store and had the items returned by the store clerk. Before the items arrived at the store I was billed. When I had the store return the items I thought I would get a credit. I have been receiving bills with late charges and the account has been turned over to a collection agency. I have had numerous conversations with the store and I have spoken to XXXX the collection agency about the return. I continue to get a bill from XXXX and harassing phone calls several times a day from XXXX. I have no merchandise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a credit card that accidentally went late with synchrony bank I missed a payment. They then would not take the past due but wanted to collect the whole balance and then would not work with me on payments. They had a 3rd party contacting me for collections and were contacting me themselves as well. I have numerous store brand card thoigh them. Only one went past due. They have now closed all of my accounts that had no balance and lower each limit on my other accounts through them as I pay on them on a regular basis. Due to one brand going past due they are now applying that to all of my credit cards in punishment. I want them to prove to me under the fair debt act that they dont have accounts open with other at the same credit score. They have also put this against my wives credit cards open through synchrony bank as well. This is unacceptable and not allowed per regulations. I want my credit cards put back to where they were and reopened as I have never been late nor have I missed a payment with any other cards with synchrony bank.

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 2018-08-21 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: GA

Complaint narrative:
First of all, I graduate in XXXX but the loan default was not reported until XXXX.The loan was for $ XXXX.XXXX XXXX  garnished my wages for over {$8000.00} from XXXX to XXXX and then sent the loan to US Department of Education for collection.I have tried all I could dealing with this case with no end in sight .I still have all my documents for the wage garnishment. 
I tried to contact XXXX XXXX but I was told they can not talk to me on the subject. 
I am wondering why it took XXXX XXXX twenty years come up with a default Student loan.While my wages was been garnished, I sent for my credit report from the three major Credit Agencies and there was Student loan on any of the reports.

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 2018-08-21 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: CA

Complaint narrative:
As of a result of a XXXX settlement between 31 state attorneys general and Experian, XXXX, and XXXX, who together created the National Consumer Assistance Plan. The plan which went into effect in the second half of XXXX was designed to limit credit reporting errors that negatively impact scores. The settlements prompted the credit-reporting companies to take away some non-loan associated gadgets that have been despatched to collections companies. The companies additionally agreed to take away medical-debt collections which were paid by a affected persons insurance coverage. 

I have requested for both XXXX and Experian to enforce this settlement, as it relates to my reporting of Non-Loan, ( specifically XXXX XXXX ) and the one medical dept listed ( XXXX XXXX ), as it was paid by my insurance at the time, however they decided to Balance Bill the difference, which is illegal. - I am again requesting both XXXX and Experian enforce this settlement and remove these 2 items.

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 2018-08-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am requesting the removal of these bankruptcies ( below ) on my Experian credit report due to their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly delete all information which can not be verified., Experian has violated the Fair Credit Reporting Act ( FCRA ). Furthermore, I disputed this inaccurate information in XX/XX/2018 and XX/XX/2018. Experian refuses to disclose who verified this inaccurate information. I also contacted the bankruptcy court via mail at and they stated they do not correspond with credit bureaus and never verified this information with Experian which documentation of said information by the Court is attached.

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 2018-08-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My husband and I paid over $ XXXX to have a new floor and special grout installed in our new home. We prepaid all, as required and signed the contract that Home Depot does not in turn honor. I paid an extra {$700.00} to get the pattern laid called XXXX. To make a long story short-I was bullied and told that the installer would refuse to lay in this pattern. He instead left my house and job. After I called Home Depot regarding this-they called installer and told him to return. For the next 3 days he laid the tile. We also had paid another company to drop off base molding and paid to have HD install it also. They did horrible job at installation of the floor and baseboards. I have loads of pictures proving my case. Floor is horrible as is the base. HD solution : give me {$500.00} credit. Nope! So I am currently enlisting all agencies to help me dispute this home depot citibank claim for {$4700.00}.

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 2018-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Genesis Credit Management, LLC
State: CA

Complaint narrative:
XXXX from Genesis Credit Management has contacted multiple non-immediate family members and informed them of a debt. XXXX also left the debt information on a voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: NC

Complaint narrative:
I am requesting the removal of these bankruptcies ( below ) on my XXXX  credit report due to their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly delete all information which can not be verified., XXXX  has violated the Fair Credit Reporting Act ( FCRA ). Furthermore, I disputed this inaccurate information in XX/XX/2018 and XX/XX/2018. XXXX refuses to disclose who verified this inaccurate information. I also contacted the bankruptcy court via mail at and they stated they do not correspond with credit bureaus and never verified this information with XXXX which documentation of said information by the Court is attached.

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 2018-08-21 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: FL

Complaint narrative:
Experian and XXXX alike has allowed XXXX XXXX XXXX to insert a derogatory entry on my credit report and this company did NOT provide any type of notice nor dunning letter to me. By not providing me a dunning letter, XXXX XXXX XXXX blatantly forfeited my rights under the FCRA as well as in their reporting under the FDCPA. I have never did any business with XXXX  XXXX XXXX. For this alleged debt, XXXX  XXXX XXXX needs to provide a copy of the financial responsibility page as well as an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date and complete accounting of alleged debt -- -All items I would have requested had they provided me a dunning letter that afforded me 30 days to dispute the validity of this account entry prior to forcefully and illegally inserting it on my credit reports. 

Additionally, there are other inaccuracies to duly note : Experian reflects a past due balance whereas XXXX  does not ( Inaccuracy ) Experian reflects an open date of XX/XX/XXXX and XXXX reflects XX/XX/XXXX ( Inaccuracy ) Experian reflect terms of 1 month and XXXX reflects nothing ( Inaccuracy ) XXXX   notes this is a medical debt and Experian notes nothing ( Inaccuracy ) Experian reflects a payment history of Negative for XX/XX/XXXX and there is no payment history reflected on XXXX ( Inaccuracy ) The FCRA establishes that any entry on my credit report should be 100 % accurate, verifiable and timely. The aforementioned errors prove that they are not reporting this entry accurately and too they infringed on my rights by reporting/inserting this derogatory entry without following the law.

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 2018-08-21 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
XXXX XXXX XXXX posted a debt of {$2600.00} on my credit report dated XX/XX/2017. I did not attend this school in 2017, nor did apply for a student loan or open any accounts during this time. This is impossible and can not be accurate information. I mailed a certified letter to this company which they received. I received no response to the letter. I do know purposely posting inaccurate credit information is a violation against my rights as a consumer and I would like my rights not to be violated.

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 2018-08-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2018 XXXX reported my account as enrolled on a consumer credit counseling service. That action prevented my XXXX-year-old bank, Bank of America from extending a loan for a new vehicle. Bank of America had 3 of my homes, my auto and has never being paid late, by denying my application without even considering my credit record, current income and impeccable history with them, they are discriminating against me under the FCRA act. 

There is no difference between a person like me that negotiated a re-payment plan with a few credit cards and never defaulted and a person that either has horrible credit or bankrupt. That is unfair to me and any other party that has kept their re-payment agreement as negotiated several years back. 
We are suffering the same faith as a bankrupt person. There is no incentive on us trying to protect our credit, we still get XXXX balled. 

I did not cost any of the credit cards income or default on their books. I just negotiated a better rate that they do offer to other clients. This is not fair under the terms of the FCRA. 

Please advise of ways to correct this. 

Sincerely XXXX XXXX XXXX Member of the Texas 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 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountainland Collection is reporting 2 accounts on my credit report and I never received a notice. The min I saw it on my credit report I contacted them and took care of it. 
This bill was already paid by my insurance and should have never went to collection in the first place. If I had got a notice I would have took care of it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been fighting this since XX/XX/2017 I filed BKPT, but did not include my car of my apt.. I have repeatedly sent the bureaus information which shows that these 2 items were not included, yet XXXX  refused to remove them as a negative item included in BKPT the same for Transunion, although Transunion did remove the car as a negative they still show the apt as being included in the BKPT, I dont know how else to ask them to correct the information

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 2018-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Today, I attempted to use my debit card for gas to get to work and it was declined. At my lunch break, I reviewed my account to find out that Union Bank has shorted my account {$88.00}. After my withdrawal of {$1000.00} ( not including my deposit of {$7200.00} ), I had {$620.00} left. I calculated all of the charges since that date and have spent {$540.00}, which leave {$88.00} missing. Thank XXXX I had a credit card or I would have been able to get to work today. I am very livid and XXXX off that I don't have access to my own money. I should not be overdrawn {$210.00} as stated on my account balance. Unless my XXXX XXXX XXXX and prior education has taught me Math incorrectly, this is completely incorrect. I would like to find out how to file suit against Union Bank or if their is something the CFPB can do about this. Union Bank should not be stopping anyone from utilizing their own money. Now, I have to figure out how to survive until this matter is straightened out. I have been not only inconvenienced but put in a place of hardship that I should not be experiencing.

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 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Debt Management Solutions, LLC
State: CA

Complaint narrative:
I recieved a notice of pending lien sale from XXXX XXXX XXXX for a car that i had almost a year ago. i sold that car and i am recieving this now in the month of XX/XX/2018 and then i recieved a call on XX/XX/2018 from Nationwide Debt Management Solutions an debt collector. When i wa son the phone the lady ( XXXX ) told me about what ahe was calling for and i told her that i had sold that car and that i didnt underatand what she was saying and she just threantened me to sue me and to take me to court if i didn't pay XXXX for the debt for that car. After i told her again i don't understand what do i have to do she hung up. Once my daugther got home she called and asked what they called and i got all the information we needed we urged ro the DMV and they told us that the car is not under my name and the lady at the DMV told me to ignore the calls and to tell them to leave us alone. They stopped calling for a week but they just called my daugther yesturday while being at work and my daugther repeated what the DMV told us and they keep saying if we had proof to send it to them ans my daugther told them that they need no proof from the DMV because the lady at the DMV had already told them they need no.proof of nothing to stop calling as well which they have not been doing. They called me again as well and left a voice message telling me that it is a short period of time that i have to call back if not i will run out of time. I Recieved a notice to intent to file suit and incur costs from Law Office of XXXX XXXX  that was retained by NWDMS, LLC. I recieved that letter on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation