vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-16 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: NH

Complaint narrative:
For the last 3 years I have been dealing with Experian and XXXX continuing to allow information from closed & collection accounts regardless of the thorough and daunting amounts of evidence that have clearly indicated the information in my report is indeed inaccurate / should be removed. Instead I get the same response and they automatically side with the crooked furnishers. I filed and received a Chapter XXXX  Bankruptcy Discharge in XXXX. 
To make matters worse, the disputes would serve just, the incorrect information would be deleted, or corrected, only to reappear months later which would leave me no option but to redispute the items with different results. Im not even sure how that is possible but it seems corrupted and unethical to say the least. 

The accounts in question are listed below and furthermore Ive submitted disputed on 9 separate occasions. Both online and by mail. 

The dates of disputes are : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) The accounts still remaining and reflecting negatively regardless of being included in my bankruptcy are as follows. 

1. XXXX : XXXX XXXX XXXX - {$610.00} ( Included in bankruptcy ) 2. XXXX : XXXX XXXX XXXX {$640.00} ( Included in bankruptcy ) 3. XXXX : XXXX XXXX XXXX {$0.00} ( Paid way before added to my credit report and was only Added to my credit report AFTER remitting payment ) 4. XXXX : $ XXXX ( Included in bankruptcy ) 5. XXXX : {$470.00} ( Included in bankruptcy )

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 2019-06-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a collection from XXXX, sold to XXXX in the amount of XXXX. Balance is too high, I have provided the initial contract, where I financed a phone for {$390.00}, no finance fee, month to month phone service and {$0.00} cancelation fee. Balance of {$1000.00} is extremely too high. I have contacted Experian, XXXX numerous times to change, and now I want deleted. It is against my rights to report information knowingly inaccurately. There are 2 accounts on my credit report that are charge-offs but are reporting balances. XXXX  is suppose to report {$0.00} dollar or no balance but is reporting a {$690.00} dollar balance. My credit score has went down 27 points placing me further away from qualifying for a home loan. My husband is a XXXX veteran, and I have an XXXX   son. This home is vital to our living as space and peace is needed for my family. My income and score is an essential part in us qualifying for a home loan. It is against my rights to report inaccurate information knowingly. XXXX XXXX reports a balance of {$450.00} dollars to a charge-off account. Balance should be {$0.00} or nothing reported. I want both accounts deleted from my credit report. This has been a continuous battle for me and has caused me a lot of emotional distress due to constantly battling for my right to an accurate credit report.

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 2019-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN PORTIFOLIO MORTGAGE
State: CA

Complaint narrative:
I have repeatedly reached out to American Portfolio Mortgage ( XXXX ). To transfer my LIN and they refuse to do so its been over a month. Which has hindered the progression of my court ordered refinance. XXXX XXXX has been very rude and will not comply. ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2019 I received a letter from the Risk operations and Fraud Prevention Services informing me that they were terminating the banking relationship.

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 2019-06-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
Ditech Financial LLC has been mistakenly showing our account as past due for five months. The total of our XX/XX/2019 payment was applied to the principal amount of our loan in error by Ditech. Since then, Ditech has listed our loan as past due. We have called the payment center every month and have been told that they are aware of their mistake and are working to correct it. 

We received a letter dated XX/XX/2019 stating that Ditech had not received our payment due XX/XX/2019. We mailed that payment XX/XX/2019, and after calling and spending hours on the phone they agreed our payment was made. 
We received a notice of default on our loan dated XX/XX/2019. We called the Ditech 's Loss Mitigation Department at the number listed on the letter and we were told to disregard the notice and be patient because they are working to correct their problem. This is a direct threat to foreclose on our loan if we do not pay by XX/XX/2019 on an unpaid balance of {$760.00}. Which was paid and they misappropriated the payment. 

We have been told they are working on this for four months and we continue to receive our monthly statement showing a late fee and that we are a month behind in payments. 
In addition we did not receive a billing statement for XXXX, we had to make a payment over the phone. It is now XX/XX/XXXX and we have not received a billing statement for XXXX. 

We have requested managers to call and let us know when or if progress is being made on their mistake with no response from Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. 

These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a collection from XXXX, sold to XXXX in the amount of XXXX. Balance is too high, I have provided the initial contract, where I financed a phone for {$390.00}, no finance fee, month to month phone service and {$0.00} cancelation fee. Balance of {$1000.00} is extremely too high. I have contacted XXXX, Transunion numerous times to change, and now I want deleted. It is against my rights to report information knowingly inaccurately. There are 2 accounts on my credit report that are charge-offs but are reporting balances. XXXX is suppose to report {$0.00} dollar or no balance but is reporting a {$690.00} dollar balance. My credit score has went down 27 points placing me further away from qualifying for a home loan. My husband is a XXXX veteran, and I have an XXXX son. This home is vital to our living as space and peace is needed for my family. My income and score is an essential part in us qualifying for a home loan. It is against my rights to report inaccurate information knowingly. XXXX XXXX reports a balance of {$450.00} dollars to a charge-off account. Balance should be {$0.00} or nothing reported. I want both accounts deleted from my credit report. This has been a continuous battle for me and has caused me a lot of emotional distress due to constantly battling for my right to an accurate credit report.

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 2019-06-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a collection from XXXX, sold to XXXX in the amount of XXXX. Balance is too high, I have provided the initial contract, where I financed a phone for {$390.00}, no finance fee, month to month phone service and {$0.00} cancelation fee. Balance of {$1000.00} is extremely too high. I have contacted XXXX, XXXX  numerous times to change, and now I want deleted. It is against my rights to report information knowingly inaccurately. There are 2 accounts on my credit report that are charge-offs but are reporting balances. XXXX is suppose to report {$0.00} dollar or no balance but is reporting a {$690.00} dollar balance. My credit score has went down XXXX points placing me further away from qualifying for a home loan. My husband is a XXXX veteran, and I have an XXXX   son. This home is vital to our living as space and peace is needed for my family. My income and score is an essential part in us qualifying for a home loan. It is against my rights to report inaccurate information knowingly. XXXX XXXX reports a balance of {$450.00} dollars to a charge-off account. Balance should be {$0.00} or nothing reported. I want both accounts deleted from my credit report. This has been a continuous battle for me and has caused me a lot of emotional distress due to constantly battling for my right to an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: NC

Complaint narrative:
They merged my credit file with my brother 's credit file because we are relatives with similar name and same address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: NC

Complaint narrative:
They merged my credit file with my brother 's credit file because we are relatives with similar name and same address.

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 2019-06-16 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: NC

Complaint narrative:
They merged my credit file with my brother 's credit file because we are relatives with similar name and same address.

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 2019-06-16 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: NH

Complaint narrative:
For the last 3 years I have been dealing with XXXX  and Equifax continuing to allow information from closed & collection accounts regardless of the thorough and daunting amounts of evidence that have clearly indicated the information in my report is indeed inaccurate / should be removed. Instead I get the same response and they automatically side with the crooked furnishers. I filed and received a Chapter 7 Bankruptcy Discharge in XXXX. 
To make matters worse, the disputes would serve just, the incorrect information would be deleted, or corrected, only to reappear months later which would leave me no option but to redispute the items with different results. Im not even sure how that is possible but it seems corrupted and unethical to say the least. 

The accounts in question are listed below and furthermore Ive submitted disputed on 9 separate occasions. Both online and by mail. 

The dates of disputes are : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) The accounts still remaining and reflecting negatively regardless of being included in my bankruptcy are as follows. 

1. XXXX : XXXX XXXX XXXX - {$610.00} ( Included in bankruptcy ) 2. XXXX : XXXX XXXX XXXX- {$640.00} ( Included in bankruptcy ) 3. XXXX : XXXX XXXX XXXX- {$0.00} XXXX Paid way before added to my credit report and was only Added to my credit report AFTER remitting payment ) 4. XXXX : $ XXXXXXXX ( Included in bankruptcy ) 5. XXXX : {$470.00} ( Included in bankruptcy )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2019 I went on Experian 's website in order to view my credit report. when I logged on I was directed to a page that indicated that I needed to unlock my daily Fico score. So, I called Experian and was able to speak with a representative but as I began to explain my issue to the representative I was disconnected. Once I was disconnected I called back making attempts to speak with a representative, which never happened. Each day there after, including today I tried calling, emailing to no avail. Whenever, I called I was only able to communicate with the automated responses which never aided me in getting access to my credit report. I also requested my login information and was informed by the automated response that my login information would be sent to my email address which never occurred. As of today I am still unable to retrieve my credit report, my login information or email response to my direct inquiry to Experian. Please, I would greatly appreciate assistance in receiving my credit report from Experian.

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 2019-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello Consumer Finance. 

Tried to purchase some cigars from XXXX XXXX XXXX for {$520.00}, and some shirts from XXXX XXXX for {$450.00} last Saturday XXXX and pay for them with our Capital One BUY POWER CARD Master Card. 

Both Transactions were declined for payment. Was rather embarrassing as both my wife and I have excellent FICO Scores, and, always try to pay off all balances monthly. 

Called the XXXX and spoke to the robot, admitted to making both purchases, and went back to purchase both carts as the fraud alert had been removed. 

Tried XXXX again, and was declined. XXXX XXXX  transactions had went through but, most of the items that had been on sale had magically returned to their non sale pricing. 

Called XXXX again, and spoke with a XXXX, who was in the XXXX and asked, Why did you block my purchases due to suspected fraud activity? He indicated that he would try and get the block removed and if he could place me on hold for 2 minutes, to which told him no, and hung up. 

Tried again unsuccessfully to purchase my cart items at XXXX and called back and spoke with a Supervisor XXXX who ended up stating that they could not identify me and that I needed to prove my identity, would need to provide a mobile cell phone number that they could send a 6 digit pin to that I would respond with. 
Was so agitated and frustrated. 

Tried to use my wife 's credit card to purchase my cigars, which are only on sale for XXXX 's Day, and, whoever, blocked her card, or, the transaction as well. 

Thought it might have been dollar amount related, so tried to purchase a smaller amount of cigars at XXXX, with my card, and was denied also. 

Sent a complaint to MasterCard, and would like to enclose their response, as well as the XXXX 's response regarding this issue to you. 

Again, so frustrating that they feel that they have a right to prohibit a purchase for a lousey +_ {$500.00} dollars. Why? This is what we would like resolved if you are able. 

The experience has forced us to seek another credit card company, and hopefully, one that treats us with appreciation instead of oppression. 

Thank you for your time, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: Atlanticus Services Corporation
State: AR

Complaint narrative:
I applied for a Fortivia credit card. Over the year, I have held this card I have used it very sparingly. I have not made many charges on this account. When I did use the card, I paid my balance in full in the month I used the card. In XXXX of 2018, I noticed I was getting a bill for {$5.00} a month even though I did not charge anything on this card. I was advised that this was an account maintenance fee. I asked then to pay the entire XXXX a month for the account maintenance and was told I could not. I expressed concern at that time that the {$5.00} was being charged every month even when I did not use my card. I was told then that the {$5.00} account maintenance fee would just sit on the account accruing and could be paid when I made the next purchase with the card. I agreed to leave the account open to keep the buffer of overall available credit to help my usage score with the XXXX at that time with the understanding that I could pay the account maintenance fees that accrued at the time of my next purchase and they would not negatively effect me. Today I found out that they have reported my account delinquent to the credit bureau over account maintenance fees, not purchases, they would not let me pay all at once but spread out over months- although I had the means to pay all at once and attempted to do so several times. As a consumer, I should have the choice to spread payments or pay them in full but was repeatedly denied this request. Today, I attempted again to pay the maintenance fee in full and requested they reverse the negative reporting on the credit bureau. Again I was refused. 

This is not ethical and predatory behavior by Fortiva Credit. They are damaging my credit over a fee they will not let me pay all at once. I respectfully request that the negative reporting be corrected and my account be closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: PA

Complaint narrative:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

XXXX XXXX., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX,  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. 

These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

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 2019-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc.
State: PA

Complaint narrative:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

DYCK O'NEAL, In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

Company response to consumer: Closed with explanation