vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 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: FL

Complaint narrative:
I have been fighting an account with XXXX and the three credit reporting agencies. No one would give me history of the account and I believed it to be past the statue of limitations. I finally received the payment history from XXXX and even that information has contradicting information. The ledger shows the last payment was made on XX/XX/XXXX which is not accurate. The payment history they sent shows the last payment was XX/XX/XXXX and the cover letter states the last payment was XX/XX/XXXX. I am not in the mortgage industry but doesn't that appear to be conflicting information? This account per the actual payment history and not all the other things generic forms they supplied validates that the account is past the statue of limitations. The account history also shows that starting XX/XX/XXXX the balance never changed up until the last payment. Even when the payments were made why wouldn't the balance ever go down?

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 2018-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I mailed a goodwill letter on XX/XX/18 regarding XX/XX/2018 late payment status. I was having financial hardship due to being admitted into an in-patient hospital for a month and losing my job. They mailed me a letter on XX/XX/18 stating they aren't willing to help me out. This is keeping me from getting a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Credit bureaus requiring unsecure method to freeze reports of dependent minor. 

Members of my family were impacted by the Equifax data breach. We've frozen records for adults but our children ( minors ) are the issue. To freeze the reports of my children, all credit bureaus require us to mail them ( in a single envelope ) copies of their social security cards and birth certificates ( plus additional info ). To say that is a tremendous security risk would be an understatement as we are placing two of the most critical documents used for identify theft together and sending it through the mail. 

I find this unacceptable as the ONLY means to freeze their reports and believe others will have the same concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On my XXXX XXXX XXXX XXXX statement, closing XX/XX/2018, it is reflected that I made a single full payment of {$1800.00} towards my previous balance of {$1800.00} and that current balance is {$0.00}. However, it also reflects that they billed me {$14.00} in interest, supposedly on an amount of {$650.00} subject to interest. 

Upon speaking to a customer representative and a supervisor on XX/XX/2018, I still haven't received a logical explanation of where a balance subject to interest of {$650.00} even came from since it is neither currently or previously reflected as either a balance or purchase. 

I was promised that the charged interest would be voided and that previous interest paid would be refunded to me due to the fact that the original purchase of {$2000.00} was supposed to be a promotional purchase that provided no interest if paid within 12 months. 

However, given that previous verbal and written ( letter dated XX/XX/2018 ) promises to adjust the purchase to the promotional rate had gone unfulfilled, I haven't the confidence in the company to make due on their most recent claim to resolve the issues I am experiencing with them.

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 2018-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCA Collections, Inc.
State: CO

Complaint narrative:
My identity was stolen in XXXX while living in XXXX. I took all necessary steps and filed a police report and have closely monitored my credit, checking account, etc. since then. I now live in XXXX and discovered SCA Collections placed a collection acct. on my XXXX  credit report in XX/XX/XXXX. ( The collection does not show up on XXXX or XXXX   ). I filed the first dispute with XXXX upon discovery and SCA Collections stated the acct. is mine. I never received any phone calls or mail from SCA Collections regarding this supposed debt. I contacted the original debtor ( XXXX ) and they could not find anything with my name or DOB in their system. I filed a second dispute and SCA Collections stated again the acct. is mine. I just filed a third dispute today, XX/XX/XXXX. As of today, I have also filed a report with the Federal Trade Commission, XXXX XXXX XXXX, Consumer Financial Protection Bureau and the Colorado Attorney General 's office. I mailed and emailed documentation to SCA Collections on XX/XX/XXXX, as they are not responding to my voicemails, emails and on-line inquiries. I also discovered an address on my XXXX credit report that is not mine as well and that was also mentioned in the FTC report. My next step is to file a report with the local police department of 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 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I attempted to have old Address removed off my Credit Bureau Report and Also Old numbers off my Credit Bureau Report, they have responded advising me the information is correct when the information isn't correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received numerous letters from Capital One for several months about being pre-approved for the Capital One Secured Platinum Card. I decided to give them a call to see what where the benefits of the card since all of the letters that where sent me had pre-approval codes on them. When I gave them a call I got transferred to the applications department and they gave me a brief explanation of the card. I told them I was going to call them back since I was not ready to apply for the card Last Month. This past Saturday ( XX/XX/2018 ) I seen that Capital One Bank was a hard inquiry on Both my XXXX and XXXX  credit reports from my XXXX XXXX account. Capital One applied to the card for me without my consent. I since decided to contact them that same Saturday but the applications department was closed due to the weekend. So I called during business hours which was the following Monday and The representative from the Applications department told me that there wasn't any applications I applied for on the card. The representative told me to contact all the Credit Bureaus about this issue and to do a victim statement. And that the Fraud department from Capital One is going to do an active investigation. Which could take 7 to 10 Business Days. 

I am writing this to see if there is anything CFPB can do to help me on this. 
I would greatly appreciate it, Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I attempted to have old Address removed off my Credit Bureau Report and Also Old numbers off my Credit Bureau Report, they have responded advising me the information is correct when the information isn't 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 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I attempted to have old Address removed off my Credit Bureau Report and Also Old numbers off my Credit Bureau Report, they have responded advising me the information is correct when the information isn't 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 non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Accelerated Recovery Services, Inc
State: CA

Complaint narrative:
I was in dispute with XXXX XXXX over auto damage I caused to a XXXX  customers car and was attempting to come to a resolution. Instead XXXX  sold the debt to XXXX XXXX XXXX in XXXX XXXX, CA ( XXXX : XXXX ). 

I was contacted by a representative of XXXX XXXX XXXX ( I do not remember his name ) and he threatened that if I did not pay immediately or provide my insurance carrier info he would report the incident to the California DMV and my license would get suspended for driving without insurance. And because the DMV only sends notification via mail, I could get arrested for driving with a suspended license during the time between the suspension starting and the notification arriving in the mail. 

A second representative from Accelerated Recovery Services ( XXXX XXXX ) called both of my parents at their place of business and left voicemails claiming to be a XXXX XXXX XXXX representative, saying that the message was for me that she needed to collect on the debt I owe. She then called me later that day. She threatened that if I did not pay within 24hrs XXXX XXXX would be forced to file a lawsuit against me to collect the debt. I tried to call her back the next day and she didnt pick up. she called me back and left a voicemail saying that I needed to call her back by XXXX  that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: CORELOGIC INC
State: NY

Complaint narrative:
On XX/XX/2017 I consented to a hard inquiry at XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX, NY XXXX. I left as I was told I could not get an answer that day and to wait for a reply in 3-5 business days for a reply via e-mail or telephone. I never received an offer or answer but the Credco inquiry is showing on my report. I went to the shop and there was no one there to help me. Now I am under the impression that the shop is closed as there are 2 cars on the lot and never a sales person in sight. I want this inquiry OFF my credit report as I consented to the inquiry for the purpose of hearing a finance offer. I called credco and they were not interested in helping me besides telling me I consented to the inquiry and they can not help me so it is up to the company to contact me with an offer.

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 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I took out a car loan from XXXX in XX/XX/XXXX for a XXXX. I was never late or missed a payment. I decided to trade the car in for a XXXX in XX/XX/XXXX. The XXXX was parked at the XXXX dealership ( per the dealership suggestion ) while awaiting the trade-in but was towed for exceeding a Parking limit. I was not aware it was towed. The tow company called XXXX ( as they are the registered " owners '' of the car until I pay of the loan ). XXXX failed to reach me promptly so they paid the tow company fees. I learned the car had been towed, called XXXX, repaid them the fees, picked up the car and traded it in for the XXXX and paid off the remaining loan for the XXXX. XXXX assured me that there would not be any affect to my credit for the misunderstanding. I did not default on the loan in any way. However, " Redeemed Repossession Closed '' is in the remarks on some of the credit reporting agencies. This remark has prevented me from obtaining a business loan and I would like it removed. This was a miscommunication issue that was resolved within a few days and XXXX assured me it was cleared and would not show up on a credit report. I have attached a copy of one of the credit reports that shows that no payments were missed or late, the loan was paid in full.

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 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I took out a car loan from XXXX in XX/XX/XXXX for a XXXX. I was never late or missed a payment. I decided to trade the car in for a XXXX in XX/XX/XXXX. The XXXX was parked at the XXXX dealership ( per the dealership suggestion ) while awaiting the trade-in but was towed for exceeding a Parking limit. I was not aware it was towed. The tow company called XXXX ( as they are the registered " owners '' of the car until I pay of the loan ). XXXX failed to reach me promptly so they paid the tow company fees. I learned the car had been towed, called XXXX, repaid them the fees, picked up the car and traded it in for the XXXX and paid off the remaining loan for the XXXX. XXXX assured me that there would not be any affect to my credit for the misunderstanding. I did not default on the loan in any way. However, " Redeemed Repossession Closed '' is in the remarks on some of the credit reporting agencies. This remark has prevented me from obtaining a business loan and I would like it removed. This was a miscommunication issue that was resolved within a few days and XXXX assured me it was cleared and would not show up on a credit report. I have attached a copy of one of the credit reports that shows that no payments were missed or late, the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: Innovis
State: WA

Complaint narrative:
I took out a car loan from XXXX in XX/XX/XXXX for a XXXX. I was never late or missed a payment. I decided to trade the car in for a XXXX in XX/XX/XXXX. The XXXX was parked at the XXXX dealership ( per the dealership suggestion ) while awaiting the trade-in but was towed for exceeding a Parking limit. I was not aware it was towed. The tow company called XXXX ( as they are the registered " owners '' of the car until I pay of the loan ). XXXX failed to reach me promptly so they paid the tow company fees. I learned the car had been towed, called XXXX, repaid them the fees, picked up the car and traded it in for the XXXX and paid off the remaining loan for the XXXX. XXXX assured me that there would not be any affect to my credit for the misunderstanding. I did not default on the loan in any way. However, " Redeemed Repossession Closed '' is in the remarks on some of the credit reporting agencies. This remark has prevented me from obtaining a business loan and I would like it removed. This was a miscommunication issue that was resolved within a few days and XXXX assured me it was cleared and would not show up on a credit report. I have attached a copy of one of the credit reports that shows that no payments were missed or late, the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You advertise a FREE report on line. Even three reporting companies. This is XXXX. When I filled out your information twice, you did the same thing. Played like you were trying to load the reports then said, I could fill out forms and order them!!! I am XXXX XXXX XXXX, XXXX, lived at the house I built, for 20 years, lived in a mobile home at this address, while building the home. It is a 2 story Brick home, at XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. My phone is XXXX XXXX. I would love to see if there is anything Negative on my always perfect credit. I retired, as XXXX XXXX, of XXXX XXXX and XXXX XXXX from the XXXX  business, after 50 years, in the XXXX Business. I have been XXXX, since XXXX. I was XXXX of XXXX XXXX, corner of XXXX and XXXX XXXX, until I sold it XX/XX/XXXX. Was a XXXX  and XXXX, XXXX XXXX  XXXX for 40 years, for exercise, for my health, until XX/XX/XXXX, when I had a XXXX   XXXX. Just wanted to see what my credit report says about me at age XXXX. I owe no one, except current bills, XXXX XXXX, XXXX, etc., they are paid in full each month by bank Draft. XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On or about Sunday, XX/XX/2018 I lost my wallet. It was left in a car that I rode in. I got my wallet back in my possession on or about XX/XX/2018. I notified my bank that I had some charges on my account that I do not recognize. Two from XXXX on my USAA account and one on my XXXX XXXX card. This total from XXXX on my USAA account was {$580.00}. USAA denied the claim and stated I made the transactions. I immediately filed a police report and sent it to them to reevaluate the claim. I called today, Thursday, XX/XX/2018 to get a update and I was told they are sticking with the decision and I am to be held liable for the changes. On Wednesday, XX/XX/2018, I received a phone call from USAA stating that I would still be liable for the charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XX/XX/XXXX I received a {$920.00} check from Barclays Bank Delaware, Credit Card. The check was not cashed. I have had a balance on this account for the past XXXX XXXX years. I never received a letter of the credit balance or an offer to add it to my account to reduce the outstanding balance. I paid the account off XX/XX/XXXX, when I received my statement in XXXX, it said I have a credit balance of {$220.00}. Afterwards I received an overpayment issue letter for uncashed check number XXXX from XXXX XXXX, ( XXXX ) XXXX dated XX/XX/XXXX for the {$920.00}. I requested for the {$920.00} credit to be added to the {$220.00} and receive one check. I was denied the {$920.00} balance and was given the {$220.00}. 

My problem is, I do not appreciate the card company holding my credit balance since XXXX. The company waited until my account was paid in full to inform me about the {$920.00} credit. After receiving the {$220.00} on XX/XX/XXXX, I called to check my balance, I began to hear I have a credit balance of {$920.00}. I spoke with a representative on XX/XX/XXXX, and was told a check had not been released. As of XX/XX/XXXX, I have not received the check.

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 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I called Citi Bank XX/XX/2018. My request was that they please keep the interest rate where it is now, as I can not keep paying the minimum payments while the Interest rate keeps increasing. The account was closed ( myself ), and I have been making the minimum payments and never have been late. 

They refused to either keep the Interest rate where it is now, or take lower ( reasonable ) monthly payments. 

I informed them that if they don't work with me the minimum payments will be too much. I have offered them {$80.00} per month and please keep the Interest rate where it is. 

This is my obligation and I do want to pay it. I am not looking for a way out, it is my responsibility. Just please, work with me with in this matter. 

The response was this : They can not help UNTIL I make a payment that is LESS than the minimum due. At that point, it may be determined that there are financial difficulties. Why do I have to go to that extreme in order to receive help and cooperation? 

Would Citi Bank please, please be reasonable? 

Thank you for your time and consideration.

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