vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-07 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX

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 2019-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Services Association
State: OK

Complaint narrative:
I have not received a bill in the mail for the past 3 months. So I was unsure how to pay or where to send the check too. I finally called and payed over the phone. Point is I missed one payment and it was payed just late. And they put a derogatory mark on my credit. It knocked my credit score down almost 100 points! Which is ridiculous. Ive always paid on time and have had excellent credit up until this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: CA

Complaint narrative:
Equifax is showing that my XXXX XXXX XXXX XXXX ( Car Note ) is past due. This is incorrect. My account is current and not in a late status. I have tried disputing this information with Equifax online and the online dispute would not allow me to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Back in XXXX My husband got a Chase Credit Card and I was on account. He was sent to prison for XXXX my child. While he was out and going to trial he had taken all Credit Cards and maxed it out at a Balance of XXXX. The bank sold it to a collection agency I never knew the court date so I could go to court and this company got a judgement. I have been extremely low income all these years and This agency keeps taking it to Court tacking on more fees. This debt is now over 10 years old and XXXX dollars. My ex died in XXXX and this company has started trying to garnish me. The only legal thing I am allowed to do is go and get a hardship again. I need help this debt was never mine and they haven't been able to get money because I don't make enough and all it is doing is adding huge interest rate fees at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: DE

Complaint narrative:
Recently I had a public record item removed from my credit report as it reached the statute of limitations. I have patiently waited 10 years for this mark to finally go away. I initiated contact with Trans Union and after about 7-10 days they deleted the information, however they failed to recalculate my FICO. In fact my score prior to the dispute was a XXXX and after they updated and removed the public record, my score dropped to a XXXX. that is impossible!!! I went through the same process with Equifax and my score went from a XXXX to a XXXX after the judgment was removed, that's an increase of 72 points ... and with Experian I went from a XXXX to a XXXX, an increase of 44 points. I contact Trans Union about this and they said there was nothing they could do. Clearly, that is not true. It is ABSOLUTELY IMPOSSIBLE to have a judgment added or removed and not impact ones FICO. I work in the XXXX and a am very well versed in credit. Trans Union 's failure to properly report a accurate FICO to lenders in a direct violation of laws governed by the CFPB, FCRA and FTC. It is also a violation of my rights as the current FICO of XXXX does not accurately reflect my credit worthiness and due to their egregious gross negligence will impact and effect my ability to get a better interest rate.

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 2019-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regarding Account ending in XXXX Capital One Case : XXXX Previous CFPB No : XXXX Capital One references a XX/XX/2018 three-way telephone conversation with a representative from XXXX XXXX, stating the return in dispute was pursuant to the merchants policy. This is a false statement. The agent was unable to provide a reason for the return to be denied. Additionally, XXXX XXXX stated in writing the item was returnable provided with a valid proof of purchase. This document was provided to Capital One. The merchant verified I would be able to return this item after I purchased it to convince into making a purchase for a more expensive model. I was told I could buy the more expensive unit and just return the one purchased on my Capital One Card. However, the merchant failed to accept this return for this item only. After this return was denied the merchant accepted returns or exchanges on other items without incident. Their claim the purchase disputed was denied in adherence to their return policy is invalid. The item was verified returnable prior to purchase, post-purchase, and post-return denial. 

I routinely contacted Capital One to determine the status of this ongoing dispute which Capital One agents confirmed my response to the merchant 's initial response was never submitted to the merchant. Multiple Capital One agents further acknowledged on recorded phone conversations the second dispute opened with additional information and documents was sent to the merchant. However, the merchant failed to reply to this dispute. 

I repeatedly called in to check the status of the dispute as it was the only charge on my card and as it was in dispute not required to be paid for. Capital One agents repeatedly informed me the dispute was still ongoing. Despite being informed multiple times on recorded phone conversations by multiple agents the dispute was still ongoing Capital One began charging interest and late fees on the balance which was in dispute entirely. Shortly thereafter Capital One began reporting my account to the CRA as delinquent and late despite still informing me multiple time the charge in question was in dispute on recorded phone conversations. Requests to be contacted by a Capital One employee capable of correcting this illegal adverse action and negative reporting the CRA 's was not received for months, while Capital One agents realizing the acknowledging the disputed charge was still being investigated refunded the interest and late fees assessed in error. 

By failing to comply with billing error regulations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 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: GA

Complaint narrative:
on XX/XX/2018 i made my XXXX payment to XXXX XXXX  XXXX. i called and asked them when will my account be considered 30 days late i was informed that the 30th was the last day ( whisch was recorded ). So on that day i went online to make my payment ( where i always make my payments ) & for some reason when i go on line its not showing that a payment was made on that day for some odd reason i beleived it was removed. at that time i was using my XXXX account to make payments. Prior to making this payment i was in PuertoRico. On XX/XX/XXXX i tried to use my XXXX card and was notified by XXXX that my account was being used somewhere else when i contacted XXXX i was told that all of my funds have been taking out of my account and that they will have to send me another card. so i immediately signed into my online banking and seen that XXXX has not yet taken out the payment so immediately contacted XXXX i spoke with a representative and explained my situation to her i asked her was i going to receive a missed payment she stated that i wasnt because my statement hasnt came out yet i asked her multiple times and still received the same response. A week later i was notified by the credit bureaus ( XXXX, Experian & XXXX ) that i received a missed payment from XXXX. I immediately contacted XXXX and requested that i speak with a supervisor when i spoke with the supervisor she said that she will request that the call be reviewed by the executive team and that i will receive a call within 72 hours if in fact i was told that i wont be receiving a missed payment then my late payment will be reversed ( which was also recorded ). So i called back in 72hours and spoke with a representative named XXXX XXXX i spoke with him about my situation and he put me on hold for 20 minutes just to tell me that he did listen to the call and he know that i was told that i wouldnt receive a missed payment but that was inaccurate so he basically told me that theres nothing that they'll be able to do. I have been with XXXX  for the last 3 years and never had a missed payment or a repossession on my account. please assist me with this i have exhausted all of my options. I will like to get the missed payment reversed the account is now in an active status and has always been.

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 2019-06-07 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: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
Target Red card has made several mistakes and has been grossly incompetent in handling my account. I have entered a settlement agreement and the 1st once was cancelled because late fees were not credited. The 2nd one was cancelled because the agent did not enter my bank information correctly, even though I read it back to the agent twice. Upon calling to set up a 3rd settlement, the agent informed me that making one would charge off the account, something the other agents did not disclose to me. So today XX/XX/19 I called back again and reached an agent who was anything but helpful. Come to find out I had a " cease and desist '' on my account, something that would have prevented further paperwork from being sent, and also she stated having this makes it " harder for them to help me ''. She also stated that " I should have known I had a cease and desist '' and it is " not our job to tell you this '' and None of the 3 agents I spoke to informed me I had this on my account. When I informed her about not knowing that a settlement would charge off my account, she blamed me for " not knowing this '' as if it were common knowledge. When I told her any bank, credit card company or other financial institution would inform a consumer that their action would result in a negative credit action, she told me I am " wrong '' despite having dealt with this in the past. She informed me she would contact the " head of the department '', but snarkily told me " it probably won't change anything '' even though she admitted what this department has done was " a very large mess ''. After informing her that I would be contacting other organizations about this, she told me " I bid you goodnight '' and hung up on me. While I was at Target tonight doing some shopping, I informed a manager about my issues and he said he has been " receiving a large amount of complaints from guests '' on how " idiotically Target Red Card handles guests accounts ''. So it appears I am far from alone in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
My mom had a XXXX XX/XX/19. I called the debt collector on XX/XX/19 because they had called my mom 's cell phone. I told the person my mom had a XXXX & was on XXXX & XXXX. The debt collector said she would note the account. I have now learned that the same day, XX/XX/19, I suspect after talking with me, they filed for wage garnishment against my mom 's XXXX for {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity is the credit card company for XXXX XXXX. They are deceptive and I believe criminal in their actions.. We ordered some furniture from XXXX XXXX in XXXX of XXXX and then when they were unable to deliver it for some time we cancelled the order. I must add we had paperless Comenity Statements. In XXXX they sent us a notice of late payment. So in late XX/XX/XXXX I immediately called the credit card company after receiving the late notice and they were great. I explained the situation and they called XXXX XXXX and then they credited the purchase of {$1200.00} along with ALL the interest and late fees. This left a balance of Then when I looked at the XXXX statement I had an interest charge of {$32.00} on a balance of {$170.00} and a purchase of {$47.00} I later saw that they added {$32.00} interest charge. I was extremely busy so I sent them {$300.00} knowing I would deal with this issue when I had time. Finally in XXXX I spent some time to call them and explain the situation and that there was no way there should be a {$32.00} charge in interest on a {$220.00} balance for one month. They said they would put in a dispute and get back to me. Today I called them and was on the phone for over an hour speaking to one employee and then her supervisor. Speaking to the employee today she claims that the interest rate is 28.99 % EVERY MONTH! I told her she was incorrect and that would be illegal. She stood by that ridiculous statement. I asked to be transferred to her supervisor, which I was. He explained to me they were charging me interest on the revolving balance on the returned items because the return credit was not posted until late in XXXX. My point is that they admitted the charge and interest was not valid and that is why it was ALL refunded XX/XX/XXXX, interest, late fee and purchase price. They did that and then charged the interest the next month AFTER the money was refunded because I had a balance of {$220.00} for one month which triggered the revolving balance interest. Remember the first person told me 28.99 % of XXXX when you remove the {$32.00} interest charge. Poor math for someone working for a bank. However, here 's the real kicker, the supervisor said, " you already paid it so there is nothing we can do '' I did explain that I had been busy and I paid it to buy me some time to get to a point where I had time to deal with trying to recoup my lousy XXXX dollars. IT'S CRIMINAL. They should train their people better and they should take better care of their customers. So for {$32.00} dollars I will spend any free time I have and find forums to post my experience. I hope it was worth it for them and I hope you all take notice and boycott Comenity and XXXX XXXX for their association with Comenity. Please also notice complaints flow in almost daily about them. I have a number of cards and never have issues with anyone else. Please avoid them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I sold my home on XX/XX/2018. Closing statement shows XXXX XXXX took out {$1500.00} to pay property tax, as well as {$210.00} MIP, out of the sale proceeds. I trusted everyone involved and was extremely overwhelmed with moving out of home and into new home. I work long hours & have little time to handle personal affairs. I'm late on preparing XX/XX/2018taxes. In gathering info for tax preparer a few weeks ago, I went to XXXX XXXX XXXX ( XXXX  ) website to ensure I received all tax docs from them, but discovered that I had not received everything. I downloaded Form 1098, XX/XX/2018 mortgage statement, and their Escrow Account Disclosure Statement. I saw that XXXX indicated the {$1500.00} property tax was paid from my escrow impound account, as well as two charges of {$210.00} FHA MIP ( why two? ). Seems to me XXXX paid my property tax and XXXX XXXX also claims they paid the tax. Someone owes me property tax as it was paid twice. And seems XXXX owes me {$210.00} for double payment of FHA MIP, and probably owe me more money that I'm not understanding as they make everything complicated. They've dragged their feet by not finding my account ; I provided info ; they emailed me today that my account is closed and they're not doing anything further. This is unacceptable! For all I know, they kept my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: HI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX ; XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-07 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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 2019-06-07 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: CA

Complaint narrative:
I have reported to Equifax that XXXX XXXX has fraudulent charges on my account from when my identity was stolen and this was reported to XXXX XXXX over a couple of months ago and they still have not removed the charges and also did not verify the charges. I have also reported to Equifax that XXXX XXXX is reporting the incorrect balances and charges, mainly due to fraudulent charges and incorrect payment status. XXXX XXXX is also reporting different statuses on all of the credit agencies. I would like for Equifax to remove the XXXX XXXX account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: HI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: HI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX   XXXXXXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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