vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I started a credit card dispute on my XXXX  XXXX and it was for " balance paid in full '' about 25 days ago and on XX/XX/XXXX my XXXX  XXXX credit card account was removed from my credit report and I called XXXX  XXXX and explain that I never wanted my credit card and there was glitch on XXXX  report or XXXX  XXXX made a mistake to have my account removed and I was told that I need to put it in writing which I refuse to do because I don't know what to put down ... not its not reporting on XXXX  and Equifax and XXXX  XXXX is unable to honor my request ... I WANT THIS ACCOUNT ' REINSERTED BACK ON MY XXXX  AND EQUIFAX CREDIT REPORT ... 

ACCOUNT NUMBER XXXX  XXXX XXXX XXXX XXXX THIS ACCOUNT HAS BEEN OPEN SINCE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I started a credit card dispute on my XXXX XXXX and it was for " balance paid in full '' about 25 days ago and on XX/XX/XXXX my XXXX XXXX credit card account was removed from my credit report and I called XXXX XXXX and explain that I never wanted my credit card and there was glitch on Experian report or XXXX XXXX made a mistake to have my account removed and I was told that I need to put it in writing which I refuse to do because I don't know what to put down ... not its not reporting on Experian and XXXX and XXXX XXXX is unable to honor my request ... I WANT THIS ACCOUNT ' REINSERTED BACK ON MY EXPERIAN AND XXXX CREDIT REPORT ... 

ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS BEEN OPEN SINCE XX/XX/XXXX XX/XX/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 2019-06-20 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: OH

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a XXXX XXXX & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous XXXX XXXX  and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-06-20 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: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-06-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Per the attached document I filed a complaint with Capital One 's leadership and XX/XX/2019 as follow. Thus far, all parties have been an unwillingness and lack of common courtesy to provide any service as it relates to my complaint. 

I contacted Capital One customer service on XX/XX/2019 do to these unethical acts and was told that I would be obtaining a letter within five to seven business days as it related to my concerns outlined in attached complaint. 

Several weeks had past and I still had not received a response regarding my complaint. Therefore, I contacted Capital One again on XX/XX/2019. I spoke with a supervisor and explained the situation and forewarn that I were in the process of filing a complaint with the CFPB due to the failure of Capital One to address my prejudicial treatment complaint. 
I was assure that I would be obtaining a call the following day. 

A couple of days past and I still had not received a call or response. I again contacted Capital One on XX/XX/2019 and was meant with additional prejudicial treatment. During my interaction with XXXX # XXXX after verifying my information through the automatic system and providing him my first and last name ; he arbitrarily declined to provide assistance. On numerous occasions I requested what was Capital One 's policy as it related to the matter and told him that he was engaging in discriminatory practices by refusing to assist me after I had already provided the last four of my social security and card number along with first and last name. XXXX # XXXX conduct was so absurd that I requested to speak with a manager. Subsequently I spoke with XXXX # XXXX who indicated that I had already provided verifying information and I did not have to provide additional information as demanded by XXXX. XXXX assured me that he would take action, however as it related to my concerns XXXX was unhelpful. 

The level of treatment I have obtained from Capital One is unreasonable and in the sake of customer service, no client should have to file a complaint with the CFPB for their complaints to be looked into in a fair and equitable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
After being forced into this auto loan I realized the interest rate was very high and I tried to get the company to take a second look and see if they could offer a lower interest rate. I had a fair credit score but being that I already had one vehicle financed with another company with a much lower interest rate I think this company was gauging me because I had such a lower rate on my newer vehicle. I bought this car as a secondary car for my teenage son. I tried for several months for the company to do something about this high interest rate but they have nit dine anything yet, my credit score is in the 600 's and I am financed on a brand new car with a 6.9 % interest rate but they gave m a 24.89 % interest rate. I think that is a predatory rate. I have even mentioned refinancing at a lower rate but I have not been able to do that. I am almost ready to voluntarily give up this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I submitted an inquiry about buying a puppy from XXXX. Received an email, decided to purchase puppy for {$650.00}. Was sent an invoice and asked to send payment via zelle.  Sent payment, recieved an actual confirmation with a website and tracking number, but was also told another {$900.00} " refundable '' amount was needed to ship the puppy in a ventilation crate. First invoice stated all inclusive. They wanted the money sent to them via zelle again, but I would receive the refund cash upon safe delivery of the puppy. I refused to send them the money, since I couldn't get a response and explanation from the shipping company. Now I get no reponse from the company, zelle has no fraud protection and I've lost {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
Received a demand letter from the town  stating a landfill tax of XXXX plus interest and fees for the mortgage co not paying it - resulted in a XXXX bill. My husband had called the town of XXXX XXXX, ma to ask what it was since hes never seen a bill labeled that in other towns we lived in, and 2. He never saw the initial bill to begin with. The town  said we didnt see the bill because it was sent to the mortgage company- they didnt pay it and thus why we saw the demand letter. When my husband called last Thursday, homepoint financial ( the mortgage co ) stated to send the bill over to XXXXXXXXXXXX.XXXX and they would look into it. Never told my husband that it takes up to three days not including weekends to even get the email or the images uploaded. So on Monday at XXXX XXXX est I spoke with a cs rep there who told me they still didnt see any images and that they never saw a bill for the original XXXX for landfill tax. So I told her I found that odd since the town said they sent it out to them. And when they didnt pay thats when we got the demand letter. Town was rude saying there would be a lien if XXXX wasnt paid on XX/XX/XXXX. So the cs rep at homepoint told me to send over the bill again and her supervisor XXXX XXXX @ XXXX would look into it. However she also said it would take 3 days for her supervisor to research it so it was best we paid the bill. She was going to get the bottom of why they supposedly didnt pay that tax bill and 2. The cs rep said they would ask the town  why it was labeled something that the town  was saying was mislabeled to begin with. They ( the town ) are saying its not a landfill / utility tax that its a tax increase bc all homes in town got recently assessed. I have been waiting on the town collector to clarify why the bill reads wrong. 
As waste management in the town told my husband on Friday that it was not a landfill /utility tax for waste management. 

I specifically after finding out how long homepoint was going to take to research this bill of XXXX stated in an email to XXXX XXXX that we were paying it via certified mail as it was due XX/XX/XXXX. She goes ahead and tells me shell research it in email and then pays the town again. I was told by a cs rep that this will increase our mortgage. 

I never in that email to XXXX stated that they should pay it. I specifically said we were on Monday XX/XX/XXXX. I asked why they ignored it though when the town stated it was sent to them directly previously. No answers to that. Just goes ahead and double pays the town. 

Now the town  is double paid and we are paying twice - once with a check we paid out to them and now because XXXX at homepoint didnt read an email correctly- an increase in the mortgage. 

Ive asked them to credit the XXXX before legal action is taken and to get their money from the town that they knew we were paying. Still no credit to loan number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
Last week I checked my credit score and a account that was opened on XX/XX/2012 Of the amount of {$7200.00}. I was XXXX years old at that time. There is no way a XXXX year old is renting a apartment In XXXX XXXX. I am currently XXXX over seas, And I had no knowledge of this until it popped up. And my dad is in prison, so I had my sister get into contact with him and he claims he does not know my social security number. But he tried to blame his ex girlfriend which speaks no English. It Is hard to believe him when he used my sisters social to open a bank account. It also went to collections. so I had my wife call the company and they said my social security number matched but the birthday did not. My father and I have the same name which I have a feeling it was a mistake from the Apartment staff or he straight up used my Social. My wife gave me a email address to let them know what is going on, so I emailed them everything I knew and also summited a dispute on XXXX XXXX. I am still waiting to hear back from the Collection company.

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 2019-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After opening a Kohls charge card I made my first purchase in store. 
Around 30 days later I still had not received a bill or the card. I went in to the local retailer and let them know I hadnt received any information and ended up making a payment in store which I was told would pay my balance in full. 
2 months later I received a letter saying I missed a payment. 
After immediately contacting them they stated it was their error and reversed late fees because they did not input my address correctly. 

I was under the impression that the account had XXXX $ balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
SSA REPORTED VIA THEIR LETTER FINALLY XX/XX/XXXX after requesting since XX/XX/XXXX THE FOLLOWING FRAUDULRNTLY MADE CHANGES YO MY SSA XXXX CHECKS XX/XX/XXXX Routing # XXXX Account XXXX XX/XX/XXXX Routing # XXXX XXXX XX/XX/XXXX Routing #. 
XXXX I was told after having a balance of XXXX XXXX dollars by the branch manager at XXXX XXXX XXXX XXXX in XXXX XXXX Virginia XXXX LOCATION I always have my checks to XXXX the teller and I had reported identity theft and fraud in XX/XX/XXXX XX/XX/XXXX. She stated after her investigation. That I had no money in any bank account with wells Fargo. 
WHY ARE THERE 2 DIFFERENT ROUTING NUMBERS.. I opened only a XXXX XXXX account at XXXX XXXX XXXX XXXX XXXX Virginia in XX/XX/XXXX.. 30 plus years ago under XXXX XXXX XXXX my name now XXXX XXXX XXXX XXXX . 

History. No info given to me by wells Fargo for my personal data Min XXXX recorded loan XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Virginia XX/XX/XXXX hard inquiry on my credit reports. wells Fargo dealership aka wells Fargo denied twice but there was a second account made up in my name that should not have 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