vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-05 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: MO

Complaint narrative:
TransUnion and XXXX continues to respond that they have verified and inaccurate bankruptcy on reporting on the file they maintain under my social security number. I have provided proper identification according to FCRA 610 ( a ) ( i ) which is my notarized social security card, passport, and utility bills ( see attached ). 

Therefore I have filed a standardized affidavit of identity theft FTC report ( attached ) in compliance of FCRA 609 ( d ) ( 1 ). I made both companies aware that according to FCRA 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification any and all accounts they report on my credit report. Otherwise anyone paying for their report services could fax, mail, or email in fraudulent information. 

The letter from the courthouse both companies listed is attached states that it did not provide either companies with my full social according to section 1681 ( a ) ( 5 ), making this a violation of my privacy laws of the FCRA and identity. 

XXXX XXXX v. XXXX XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is  noncompliance and unverifiable.

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 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX credit card by XXXX XXXX  charged me a late fee despite receiving a payment each month that I had the credit card. Each payment was made at the beginning of the month and for amounts far exceeding the minimum payment due. In XX/XX/2018, despite receiving a payment of {$2000.00} at the beginning of the month, I received a bill saying that I owed the minimum payment again by the end of the month. I communicated with the company that I had already paid over that amount and was basically told that I had to pay it again because they had applied my previous payment to the previous billing cycle. I did not have the money to pay the bill again as I had already paid it that month so I paid the bill as I always do at the beginning of the following month and I was charged a late fee. So basically I was charged a late fee for not paying my bill twice in one month. My attempts to get them to realize their error have fallen on deaf ears. I feel like this company is abusing the system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 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: PA

Complaint narrative:
Experian is continuing to report 4 accounts on my report as closed that I requested validation for and never received.

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 2018-12-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I believe Wells Fargo should not collect a fee on an equity mortgage application until the credit has been approved as my wife and I are told we have to wait 30 to 45 days for a refund. We have some money, so we can wait but what about people who are broke and apply and are put in the same situation as the fee is over XXXX dollars. The following is what happened : On XX/XX/2018 my wife and I applied for a home equity loan against our newly built fully paid for home. XXXX loan with XXXX home value. After two weeks on XX/XX/XXXX were told to pay a fee of XXXX to allow the process to continue and were told the loan should go through by XXXX XXXX, which we paid.. I was told to call the bank the morning of XX/XX/XXXX and found the loan had been declined. I would like the XXXX back, as I believe the bank should have told us prior to paying a fee, the loan was declined. No appraisal was ever performed. I believe the fee was requested just to collect money. The bank should not collect any fee until the loan is approved.

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 2018-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX filed a complaint with Navy Federal Credit Union that my XXXX  XXXX had breached my personal and medical info. The bank agave me a credit of {$500.00} back. I had made a good faith appointment for the next week and paid {$500.00} deposit on XX/XX/XXXX. I went to the XXXXs online portal and my medical information that was password protected showed another patients information instead of mine. Clearly this is a web issue. I called upset on the XX/XX/XXXX am to share the breach the office staff agreed to cancel my appointment and refund my {$500.00}. The only problem XXXX  XXXX wanted me to give them my debit card info again. I said, I will not. Thats what prompted me to file with the bank. On XX/XX/XXXX bank adjustment of {$500.00} taken out of my account. No advance notice just said when I called XXXX XXXX showing cancellation policy. This policy was null and void when the XXXX breached my medical information. I should have received refund. This cause my account to not have funds to cover my expenses which created fees being charged on top of {$500.00}. I sent the bank emails sharing the events of messages and response from XXXX. On XX/XX/XXXX after 2 weeks of gruesome phone call with bank I did an appeal they still denied refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: ID

Complaint narrative:
there is no sufficient information to support Transunion 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- 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  ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX  , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX , XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 2018-12-05 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX and Equifax continues to respond that they have verified and inaccurate bankruptcy on reporting on the file they maintain under my social security number. I have provided proper identification according to FCRA 610 ( a ) ( i ) which is my notarized social security card, passport, and utility bills ( see attached ). 

Therefore I have filed a standardized affidavit of identity theft FTC report ( attached ) in compliance of FCRA 609 ( d ) ( 1 ). I made both companies aware that according to FCRA 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification any and all accounts they report on my credit report. Otherwise anyone paying for their report services could fax, mail, or email in fraudulent information. 

The letter from the courthouse both companies listed is attached states that it did not provide either companies with my full social according to section 1681 ( a ) ( 5 ), making this a violation of my privacy laws of the FCRA and identity. 

XXXX XXXX v. XXXX XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is noncompliance and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: TX

Complaint narrative:
I recently made some changes to improve my credit score. I started monitoring more and noticed a calculation error on Equifax 's website. I paid down my debt to 25 % which is correctly reflected on the report. However, the score is still under XXXX. 

When I go to the score estimator, for some reason it's scoring my information with a 45 % credit card utilization. If I adjust their score estimator to reflect 25 % ( as it shows on the actual report ), it says my score range should be 708-728. To some creditors, that's a big difference. I don't know where they are even pulling a 45 % utilization value. Please see the attached screenshots. 

I have tried calling Equifax several times in the past few months and they think I'm trying to change my score. I just want it calculated correctly, and it looks like a calculation error. 
If it's happening to me, it's happening to a lot of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2018 at XXXX PT I made a transfer money from wells fargo bank to XXXX in XXXX. It was a expressend service from wells fargo. I was sent XXXX $ from checking account. They said that money will be available on or before XX/XX/2018 in receiving location. But my sister from XXXX she didnt get any money. The XXXX said that money was not available and the confirmation number was incorrect. I dont know what to do. I have tried to call the wells fargo but i didnt have any good answers for me. Im so worries about my money. Please help me. Thank you

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 2018-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied for a money market account with a {$500.00} bonus. The terms state : " Heres the full scoop on how to earn your {$500.00} bonus : Open a XXXX XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX  ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. '' Can be found here : https : //www.capitalone.com/savings500/ I deposited $ XXXX at three separate times. My individual deposits exceed the $ XXXX requirement for deposit. The bonus nowhere states that a certain balance must be held or maintained. It simply states the sum of deposits -- which I've met.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: ID

Complaint narrative:
Account XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 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: Utah System of Higher Education
State: GA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX   to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account

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 2018-12-05 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: NV

Complaint narrative:
TransUnion is reporting opened date and payment history in this account XXXX XXXX XXXX XXXX wrong, since this is inaccurate reporting please remove it from my 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 explanation
Consumer complaint received 2018-12-05 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax aggravated cyber-cuffing not allowing me to dispute their credit report after I had already been assigned a confirmation number on my equifax profile file on XX/XX/2018. XXXX case number was subsequently requested and submitted with witness of high level corruption discussed X 3 witnesses. My address was correct which got me into my equifax account and the equifax employee subsequently lied stating that was the reason the account was unavailable online and stated it takes 30 days to correct address!! 
INVESTIGATE EQUIFAX!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 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: ID

Complaint narrative:
Accounts XXXX XXXX  XXXX, XXXX  XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: TX

Complaint narrative:
In XX/XX/2018, I went to purchase a car and was informed that I already had a car loan that was recently closed and charged off. I contacted the three credit bureaus individually to dispute the fraudulent account on my reports. The information was immediately removed from XXXX and XXXX due to the fact that I am a confirmed fraud victim. Each bureau had been previously sent a copy of my two separate police reports. Equifax report came back with confirmation that it was my account. I informed them that the account was fraudulent and they already have my police reports on file. They informed me that I needed to add the car on the report so I did in XXXX  of this year. I disputed the account again and Equifax continue to allow XXXX XXXX XXXX to so call verify that the account is mine. I asked that representative I spoke with to explain what and how the bank is verifying my information. The representative informed me that the bank verified my address, name, social and birthday. I informed them again that I am a verified victim of fraud and of course they have my personal information but there is no way that they would have my address. Also today I went down to the police station to get an updated copy of my report. The clerk informed me that the report would be sufficient enough for Equifax. The clerk also stated that Equifax can contact the number on file and verify that the information is in fact on my police report. The XXXX   County Police clerk stated that they can call and confirm that the car was reported as fraud and that they would verify the information by using the incident report number I submitted to them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This credit card, was fraudulently used on my behalf with in XXXX   XXXX, Co. I have never resided or was XXXX in XXXX XXXX, CO at the addresses list in the accounts. I have been trying to get these accounts closed since XX/XX/XXXX. After my annual income tax wages were garnished to pay the delinquent amount. 
When I was made aware that my personal identifiable information was included in a data breach with the US Office of Personnel Management. I sent a letter to XXXX XXXX XXXX  to have them investigate. They did not acknowledge my 3 attempts. I have written letter on the following days : XX/XX/2018, XX/XX/2018, XX/XX/2018. 

I have disputed these accounts 3 times with all three credit Bureaus, they have temporarily removed the accounts, and 30-60 day they would return.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I do not have a contract with Ad Astra Recovery Services. They are reporting a fraudulent collections account to all three credit bureaus. This is affecting my creditworthiness negatively.

Company response to consumer: Closed with explanation