vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-09 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Prior to XX/XX/2019 this Account was never reported as a derogatory account. I made a payment in full XX/XX/2019 trying to obtain a Mortage I was notified best action would be to pay the {$510.00} owed on this account! After payment and 30 day cycle of credit this account shows up derogatory in a charge off status in which dropped my credit score substantially in XXXX! As of XX/XX/2019 Ive received another drop of 92 point via XXXX  and 36 points via XXXX. This account debt has been paid in full since XX/XX/2019! As of XX/XX/2019 its reporting as charge off/ collection after payment to XXXX  XXXX . As of XX/XX/2019 its reporting charged off to XXXX. As Of XX/XX/XXXX this account is reporting closed paid off balance updated XX/XX/2019 to XXXX! As you can see the inconsistency listed above the effects on my financial future is due to wrong reporting practices! Please correct!!!

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 2019-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a VICTIM of off base/strange/invalid/obsolete as well as conceivably even false deception. This condemning of the mis-announcing/ mis-information affidavit is to declare my direction that you, as regulated, produce physically counters fer federal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception of INACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus my utilzation of this controlled Identity Victim 's Complaint and Affidavit

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 2019-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My identity was used to try and open several accounts without my knowledge or consent. I'm requesting the inquiry removed from my file. I'm unable to dispute using the online portal.

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 2019-12-09 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: GA

Complaint narrative:
My identity was used to try and open several accounts without my knowledge or consent. I'm requesting the inquiry removed from my file. I'm unable to dispute using the online portal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I opened an investment account with USAA bank. It was by accident and my boyfriend at the time had just gave me an early birthday/Christmas gift and had deposited it into the account. I called the bank when I realized it wasn't a checking account I had opened it was an investment account. They advised me that they were gon na closed it and send me my check. Considering XXXX is a lot to just wait to come. I waited. Fast forward to XX/XX/XXXX when they told me that my check should be delivered to my home sometime in late XXXX and it had already been sent out. I called them about 4 or 5 time and they kept telling me that it was not in their control. I even had the guy whose account it came from who was my boyfriend/fiancee at the time call and he got so fed up with them he refused to give them any more information and just wanted our money back. They refused to give it to me after already lying to me and telling me it had already been sent out. Then excuse my language but they blantly XXXX  and mind XXXX me into believing I was getting what was rightfully mine and my husbands back. And I still wait like an XXXX for {$4000.00} to be given back to us that they easily kept trying to tell me he reported it... as he sat next to be. As shocked as I was at how ridiculous these XXXX  sound. Trying to explain to me how they were WAITING for my funds to be reported as fraud. Keyword .... Waiting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: ID Analytics, Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I requested a Security Freeze with Sagestream LLC for my credit file by fax and haven't gotten the pin number or letter stated that the security freeze was applied. So I sent a second request by certified mail that was delivered on XX/XX/2019 and here it is XX/XX/2019 and I have not received anything about my request and it's hard to get in touch with anyone on the phone to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: AL

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you “verified” that these items are being “reported correctly”?Who verified these accounts?You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as  required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A). Furthermore you have failed to provide the method of verification as required under Section 611 (a) (7).Please be advised that under Section 611 (5) (A) of the FCRA – you are required to “…promptly DELETE all information which cannot be verified.” The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.I demand the following accounts be verified or removed immediately. Dept of Ed Account XXXXXXXX XXXXAccount XXXXXXXX XXXXAccount XXXXXXXX XXXXAccount XXXXXXXX XXXX XXXXAccount XXXXXXXX XXXXAccount XXXXXXXX XXXX XXXXAccount XXXXAccount XXXXXXXX XXXX XXXX Account 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 2019-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Back in XX/XX/2018 I entered demographic information to an online chase bank that was never responded to. I never received an account number, savings account number or debit card. So, because their were no chase branches in XXXX  I went to XXXX  to visit a branch unfortunately it wasn't accessible to pedestrians. I then saw the same offer I went to a branch opened an account when it was time for the XXXX  promotional offer if a new chase customer you get XXXX  for opening a checking and XXXX  for opening a savings account. when it was time to pay they said I had an account already the promotion is only for new chase customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX Account ... XXXX {$2000.00} PURCHASED BY XXXX XXXX TRANSACTION DATE Thursday, XX/XX/2019 POST DATE Tuesday, XX/XX/2019 This charge was for two happy hour drinks XXXX colones which is about XXXX $ US. Barclays wont reverse it. I went back to the merchant while i was in XXXX XXXX and he admitted it should have went in as local currency, they would have video of my transaction

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 2019-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had credit card with capital one about 6 years. When I got really sick and lost job because of my sickness I contacted them and told them I'm willing to pay them as fast as I find new job.I was never before late with any payments.Not once .When I called them and explain situation they say they will put me in some hardship program and when I ask what that is, they explain that that will stop them from giving me a monthly fee.Right..they just forget to mention that that will also close my account with the oldest card I had. After 4-5 months ( when I was always contacting them ) I found a new job and wanted to pay off my debt .I found out from them that they already closed my account as charge off .In a meantime a checked online why my balance was so high .I found out that a was charge for like 2-3 years from some companies money and they never informed me .What made me belive back then that the monthly amount was so high because of the high fee they charging.I calculate all the frauds they allowed on my account from some two company 's I never heard off and all the previous payments I made and I realize that this card should be paid already long time ago or at least not supposed to have an outstanding balance like this .I called them multiple times to come up with some arrangements but they don't want to even talk to me. They hung up when I want to speak with Manager or threatening me with court, or just treat me like a human trash, when I never said I will not pay them .I just want them to came up with a resolution to this amount. Its impossible to deal with them. They ruined me credit history and they don't even care that I was there loyal costumer for the past 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 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: AL

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a  litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be verified or removed immediately. 

Dept of Ed Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX   Account XXXX US Bankrupt Court Account XXXX Account XXXX XXXX XXXX XXXX Account 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 2019-12-09 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: AL

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be verified or removed immediately. 

Dept of Ed Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX US Bankrupt Court Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
This company Contract Callers has reported inaccurate information regarding an account that reports as opened on XX/XX/2019, and that I owed them {$510.00}. 
The account is reporting as XXXX XXXX, and I have not been aware of such a debt.

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 2019-12-09 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted Portfolio Recovery and stated to them after reviewing my credit report I have 2 entries on my credit report with the same account number for 2 different amounts. 

Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Account Balance Loan Amount {$2400.00} Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Balance Loan Amount {$470.00} XX/XX/XXXX I also asked to please validate the loan in writing, and so far they have not sent me any information on the loan that I requested. Here is what I requested : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2019, I had a balance in my wells Fargo account of almost {$140.00}. I made a purchase of XXXX dollars and one of XXXX dollars. I have mobile banking, so I always make sure I my transactions online. When I had checked these transactions, although pending the funds had been withdrawn from my balance making it less and letting me know how much I had to spend or how much was available. Although the back tried to explain the process of pending to me which I understand, the funds are still withdrawn from the original balance. I had one of the companies try to refund a purchase and re-submit the correct amount. I went to the bank and explained the mistake and the fees I was charged,. The Banker XXXX told me he was going to refund the fees and didn't even though it was not my fault. The only fee I should have been charged for was for a Withdrawal for XXXX. I am disputing this because I feel is another way wells Fargo is deceiving consumers.

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 2019-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I had a loan with Toyota Financial which I completely paid couple months back but it still shows on my credit report. This is effecting my credit because it show I owe the money.

Company response to consumer: Closed with explanation