vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On the evening of XX/XX/XXXX, I received a notification from XXXX XXXX that my credit score had dropped significantly. Since I knew of no reason this should have happened, I logged into the XXXX XXXX site to see why I was receiving this very confusing notification. I was stunned to see that Capitol One had reported my account delinquent. Not only that, it was specified that I was over 30 days late and had missed a payment. Since neither of these things is true, I called Capitol One the next day, XX/XX/XXXX to investigate the error. 
The first person I spoke with told me that Capitol One doesnt report an account late until 30 days after a payment is late. I told her that I was never 30 days late and that I was looking at my account on their own website during our call and this information proved I was correct. The payment in question was XX/XX/XXXX. My account history shows a payment made in XX/XX/XXXX. However, Capitol One had, indeed, reported me 30 days late with a missed payment. Again, their own website shows this to be false. I did make my XX/XX/XXXX payment 14 days late and do accept full responsibility for this. But I was NOT 30 days late and I DID NOT miss a payment. Capitol One received, accepted and posted my XX/XX/XXXX payment in XX/XX/XXXX. The representative couldnt understand why my account was reported in this false manner. She asked if I minded being put on hold while she checked into it for me. I agreed and was put on hold for more than 15 minutes. She never returned and I was subsequently hung up on. 
I called back. The next person couldnt help me either and the call went pretty much the same way so she put me through to a supervisor. This persons explanation was fairly ridiculous. Although I was NEVER 30 days late and certainly NEVER missed a payment, and Capitol One did receive, accept and post my XX/XX/XXXX payment in XX/XX/XXXX, because my payment had fallen into their next cycle it had been applied to the following month, XX/XX/XXXX, although, nowhere on their website is this indicated and I was not notified they had done this.. This, to me, seems like a Capitol One, internal bookkeeping issue, not an excuse to criminally file false credit information which dropped my credit score XXXX points over night. 
Even though their own site shows my XX/XX/XXXX payment paid in XX/XX/XXXX, they refused to accept responsibility for their actions and told me my only recourse was to file a dispute with their Disputes Department, which can only be done by snail mail. I am mailing my dispute letter today. All of this will remain damaging on my credit report unless they correct their error ... if they agree to correct it. A bad report that lowers a credit score takes a very long time to correct, even if the information is incorrect and later changed. The damage is done!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: NY

Complaint narrative:
I ve been dealing with this matter since XX/XX/2015 to present. Its a run around with XXXX XXXX. 

XXXX XXXX XXXX XXXX RE : XXXX XXXX its reporting inaccurate information to credit agencys As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and 2 is pending to transfer the loans to another claim office, and then the inaccuracy reporting that shows on my credit reports as well. Meanwhile as to reviewing my credit report, again its shows 2 open student loan accounts, and as a result its lowering my credit score added. However, I ve tried several times to track down the various loan holders and its always a dead end. Nonetheless, XXXX XXXX XXXX does claims they ve tried to retrieve my last two loans  from both XXXX XXXX XXXX and XXXX XXXX XXXX, yet this process will take from 30-150 days and when the debt companies do fail to reply, then they will resubmit the same process again. Nevertheless, theyre given the run around and its effecting my credit reporting overall. However, below is an ongoing Value Chain process with my current student loans activity : The XXXX XXXX XXXX sold my loan to a XXXX XXXX XXXX, then wholesaled to another debt company called, XXXX XXXX XXXX XXXX then resold to XXXX XXXX, and finally the loan should ve came to XXXX XXXX XXXX XXXX XXXX that would ve closed all accounts, yet were 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 2019-03-21 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: NY

Complaint narrative:
I ve been dealing with this matter since 2015 to present. Its a run around with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX its reporting inaccurate information to credit agencys As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and 2 is pending to transfer the loans to another claim office, and then the inaccuracy reporting that shows on my credit reports as well. Meanwhile as to reviewing my credit report, again its shows 2 open student loan accounts, and as a result its lowering my credit score added. However, I ve tried several times to track down the various loan holders and its always a dead end. Nonetheless, XXXX XXXX XXXX does claims they ve tried to retrieve my last two loans from both XXXX XXXX XXXX and XXXX XXXX XXXX, yet this process will take from 30-150 days and when the debt companies do fail to reply, then they will resubmit the same process again. Nevertheless, theyre given the run around and its effecting my credit reporting overall. However, below is an ongoing Value Chain process with my current student loans activity : The XXXX XXXX XXXX sold my loan to a XXXX XXXX XXXX, then wholesaled to another debt company called, XXXX XXXX XXXX XXXX then resold to XXXX XXXX, and finally the loan should ve came to XXXX and XXXX Disability Agency that would ve closed all accounts, yet were never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: NY

Complaint narrative:
I ve been dealing with this matter since 2015 to present. Its a run around with XXXX XXXX. 

XXXX XXXX XXXX XXXX RE : XXXX XXXX  its reporting inaccurate information to credit agencys As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and 2 is pending to transfer the loans to another claim office, and then the inaccuracy reporting that shows on my credit reports as well. Meanwhile as to reviewing my credit report, again its shows 2 open student loan accounts, and as a result its lowering my credit score added. However, I ve tried several times to track down the various loan holders and its always a dead end. Nonetheless, XXXX XXXX XXXX  does claims they ve tried to retrieve my last two loans from both XXXX XXXX XXXX and XXXX XXXX XXXX, yet this process will take from 30-150 days and when the debt companies do fail to reply, then they will resubmit the same process again. Nevertheless, theyre given the run around and its effecting my credit reporting overall. However, below is an ongoing Value Chain process with my current student loans activity : XXXX XXXX XXXX XXXX  sold my loan to a XXXX XXXX XXXX, then wholesaled to another debt  company called, XXXX XXXX XXXX XXXX then resold to XXXX XXXX, and finally the loan should ve came to XXXX XXXX XXXX XXXX XXXX that would ve closed all accounts, yet were 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 2019-03-21 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: NC

Complaint narrative:
I have sent letter after letters since XX/XX/XXXX of last 2018 to remove bankruptcy 's from credit profile to experian and they refuse time and time again, i have sent reports from XXXX XXXX stating no bankruptcy records are on my file, and letter from the clerk of federal court stating they dont verify to any 3rd parties or to credit bureaus any information on bankruptcy 's and also a letter from pacer stating the same. XXXX   along with XXXX does not show any bankruptcy or account involving bankruptcy. As of today they refused to remove and or speak with me on this matter. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove information from the consumer credit file. They are suppose to have only 15 days to do this they have had over 7 months to remove and have not.

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 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Applied online with XXXX XXXX and Wells Fargo in order to do a balance transfer to my XXXX XXXX XXXX card. I incurred a large debt and I needed $ XXXX interest-free for 12-18 months and wanted it by XX/XX/19. XXXX XXXX came through and paid my XXXX XXXX XXXX. Wells Fargo on the other hand sent me a card in the mail with a {$7000.00} limit. This was not what I applied for. They sent {$6500.00} to XXXX XXXX XXXX which caused an overpayment since XXXX XXXX already paid off the card. I called XXXX and authorized them to return the money, which they promptly did. The check was deposited by Wells Fargo but never credited my account. Wells Fargo claims they dont the money and I have a bill from them for payment due on {$6500.00} which I dont have. Now I'm incurring late fees and possible negative credit reports.

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 2019-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
Sent financial and request for mortgage modification to my mortgage servicer Volunteer Mortgage   Servicing. They sent me a letter stating Loss Mitigation approval with 3 three trial payments and a Forbearance Agreement. The letter didn't state the interest rate or terms of the modification. I was told by Volunteer customer Service the modification I received was a FHA XXXX XXXX and I didn't accept the modification. I never received a letter stating I received a XXXX XXXX. Volunteer is hard to work with they leave you on hold for long periods of time and always state you need to call back. 


See Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: OH

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX   Ohio XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX, The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations of my name. I am no longer affiliated with these addresses I would like to have my credit report to reflect true up to date that is accurate information. My current address is XXXX XXXX XXXX XXXX Ohio 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 non-monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: NC

Complaint narrative:
XXXX XXXX XXXX billed my family {$610.00} for treatment rendered in XX/XX/XXXX for the first time on XX/XX/XXXX. Because we were billed for this treatment long after the service date, I questioned the validity of the bill. I contacted the company and verified the debt, but because I had recently separated from my wife, there was some confusion over how the debt would be paid. I eventually contacted the company directly and asked them to divide the debt into two payments, and paid the first half of the debt immediately over the phone by credit card on XX/XX/XXXX and arranged to make the second payment the following month. I made the second payment on XX/XX/XXXX through online bill pay on my XXXX XXXX, and the payment was confirmed by electronic delivery. Little did I know, that despite my efforts to satisfy this debt in a timely manner. They immediately sent the second half of my debt to a collections firm, Prince Parker & Assoc. They did not report to this collections firm that I had satisfied the payment in full, and the collections agency continued to harass me for the debt even after I assured them twice that the debt had been satisfied on the above date. In a third call with an agent of Prince Parker on XX/XX/XXXX, I was told that it was my responsibility to call their client XXXX and ask them to confirm with Prince Parker that the second payment had been received and that the debt was satisfied. At no time did the agent with Prince Parker offer to confirm with their client that the debt had already been satisfied. Given the circumstances, the late billing, my effort to reach out and set up a payment plan, making the payment in full within 30 business days of my voluntarily setting up a payment plan, and XXXX sending the debt to collection anyway, and not confirming in a timely manner with the collections agency that the payment had been received, and the collections agency refusing to verify the payment with their client after two separate phone calls, and continuing to call me instead of their client during working hours. I feel like both XXXX and Prince Parker & Assoc. engaged in bad business and abusive collections tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to place a security freeze on all my credit reports due to vast amount of identity theft and wifi spoofing. THis includes 25 phones that were port forwarded by criminal activity within XXXX XXXX XXXX, XXXX and XXXX. The WiFi spoofing started XX/XX/XXXX and data was stolen from my employer which then turned into a significant data breach. The credit agencies indicate that they have put a freeze on my report but when I check with them directly no freeze was initiated. I then reported to the FBI ( with 3 phone calls ) and at their local office they did not receive any such complaint. I am concerned my identity is being used in a malicious attack as at XXXX there was a purchase of the DNA sample and my prescription list provided to an unknown party. I would like the 3 credit agencies to place an immediate freeze on my account as my credit card accounts are being used activity and I have access to the cards. THe cards are being made.

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 2019-03-21 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: OH

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
On XX/XX/XXXX it was stated that I visited a facility for medical and/or health treatment. I believe that this is correct being that I have had Medical coverage with the state of Louisiana since the year of XXXX. I have filed a dispute for this matter. The account was assigned to XXXX XXXX XXXX on XXXX XXXX on behalf of 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 2019-03-21 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: CA

Complaint narrative:
THE EQUIFAX REFUSES THE REMOVE THE FRADULENT ACCOUNT FROM MY REPORT. ALSO NOT DOING ANY PROPER INVESTIGATION. I AM A UNITED STATES LAW ABOIDING CITIZEN AND I DON WANT TO BELIVE I AM LIVING IN A COUNTRY WHERE NOW RICH POWERFUL COMPANIES CAN DISOBEY THE LAW AND DO WHAT THEY WANT, I AM A TAXPAYER AND ASKING FOR A GOVERNMENT HELP TO DEAL WITH EQUIFAX ( MONSTER ). THERE IS ONE FRADULENT ACCOUNT THAT EQUIFAX IS REPORTING WITHOUT ANY EVIDANCE. 

EQUIFAX CREDIT REPORTING AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: OH

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-21 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: OH

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXX I was struggling to pay credit card bills, due to splitting with spouse ( few months earlier ), adjusting to paying all the bills by myself, Hurricane Harvey, dog dying and a few other bumps in the road. Talk to card company several times and explained the situation, was told if I just paid x amount buy a certain day then it would put me under a limit to where it wouldn't be reported to agency. So I did but they still reported it. I then made an agreement with a family to transfer debt from 3 of the cards to one of their cards. Two of the cards once paid off were canceled, one of the cards has been valid for 7 years with no late payments and paid off several time the other card never had a late payment ever. Because of this other cards even ones paid off for a year was canceled and others cards had credit limit drop every time I got balance down a little.

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