vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-22 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: TN

Complaint narrative:
I am writing this due to non-compliance with ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past .I strongly believe that they are in violation of the FCRA pursuant to section 605 B and are outright refusing to uphold the law.

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 2019-01-23 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: TX

Complaint narrative:
they put a block on my credit without my permission

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 2019-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : CAPITAL ONE AUTO FINANCE The address listed on the credit report is : XXXX XXXX XXXX XXXX, TX XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA . I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. XXXX tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 53 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and Capital One Auto Finance have NOT removed this account from my credit reports, or have sent me any kind of validation.

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports.

Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Olympic Collection Inc.
State: WA

Complaint narrative:
Explanation of complaint : This XXXX  office, XXXX XXXX XXXX XXXX, never sent me notification of payment due after billing my two insurance companies. In fact, they claim this was a running balance even though I was back in the office for a repair of a crown, because of shoddy workmanship, and they told me I had a XXXX balance. I was recently ( XX/XX/XXXX ) served a summons for a lawsuit for a principal balance of {$160.00} which has now ballooned to {$440.00} including court fees. I was blindsided by this and contacted the XXXX  office who confessed they had an incorrect address on file and never called to resolve this. I updated the address with them, when it changed in XXXX, but they inputted the wrong zip code. Because of this I now owe a {$440.00} judgement. Please see attached. 
The address they had on file was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ... the correct address was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. They either forget to change the zip code from my previous address, which we had all mail forwarded to XXXX address, or simply inputted the wrong zip code. 
At any time we could have been contacted by phone to resolve this issue but we were never contacted. The collection agency said the left a message, which I never received and sent a mailer which I also never received. I do not have any accounts in collections this has affected my credit report severely. And the XXXX  office manager and account manager say they can do nothing but refer me to the collection agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Long story short, account was not authorized after initial purchase, I closed account on two different occasions in which first occasion was not closed back in XX/XX/2016, where my brother charged on card again, I have never received a statement or phone call from Wells Fargo in which they stated to me that they can only send bill to one person and have one address on file.. I made sure tha after second purchase card was closed and I made them send me proof this time.. my brother recently filed bankruptcy that I didnt know about til my credit score dropped over 100 points.. I have tried to file two separate disputes with them and they have never gotten back with me and all I see is they put in my credit report that it is resolved and I disagree.. I have to have some rights here, I have even told them I would pay it and they said it didnt matter it would still stay in my credit as a paid collection ... I pay my bills and stand behind all purchases even tho this balance shouldnt be allowed because the account was closed before he charged on it again.. I want this off my credit report, on my report is is showing up under XXXX XXXX XXXX.. Wells Fargo has to have  certain policies in place and they need to return phone calls, horrible company and should be shut down.. this file has been transferred to three different executive office members of Wells Fargo and I havent got one phone call..

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 2019-01-23 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: MI

Complaint narrative:
I have an account on all 3 of my credit reports. The name of the company listed on the reports is XXXX XXXX. I sent 2 dispute letters to each of the 3 credit bureaus asking that they verify the debt. They each stated that they verified or updated the information on my report. I checked my report in XX/XX/XXXX and there were discrepancies on each of the different reports. There were different dates and amounts that they state that I owe. I disputed the information again and I checked the reports again and all 3 still have different information on them. I am attaching the discrepancies that I found on my reports. I would like to file a complaint with all XXXX credit reporting agencies regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a promotional offer in XX/XX/XXXX which offered a bonus award of {$400.00} if I kept {$15000.00} for me and XXXX $ to mi girlfriend in a checking account for 150 days. The 150 days was up on XX/XX/XXXX, but I have not received the {$400.00}. Three bank employees in two different branches have opened disputes files but nothing has happened. I opened the checking account at the XXXX XXXX,. branch. The manager XXXX XXXX is involved in this dispute but she is incapable of solving the problem. 

I give this bank a zero rating, and I've gone to another branch to ask for help. The banker there made a good faith effort to solve the problem, but to no avail. It is now 25 days after the money was due and nothing is happening. I've filed a complaint with the CFPB and with the Federal Reserve Consumer Help bureau

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 2019-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Federal Adjustment Bureau, Inc.
State: FL

Complaint narrative:
XXXX continues to report an account that was discharged in my Chapter XXXX bankruptcy discharged in 2013. This is showing as a collection on my XXXX account. I have disputed but they refuse to report accurate information on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONLINE Information Services, Inc.
State: AR

Complaint narrative:
COLLECTOR IGNORED CEASE AND DESIST ORDERS AND CEASE COMMUNICATION NOTICES. THEY HAVE VIOLATED THE DODD FRANK ACT FOR THE LAST TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Credit Report mailed to me dated XX/XX/19 contains no reference to an account with XXXX XXXX XXXX. Reference to an account with XXXX XXXX XXXX appears on the online credit report I have just viewed. This materially and negatively affected my credit score as detailed in complaints XXXX and 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 2019-01-23 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-01-23 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-01-23 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: MI

Complaint narrative:
I have an account on all 3 of my credit reports. The name of the company listed on the reports is XXXX XXXX. I sent 2 dispute letters to each of the 3 credit bureaus asking that they verify the debt. They each stated that they verified or updated the information on my report. I checked my report in XXXX  and there were discrepancies on each of the different reports. There were different dates and amounts that they state that I owe. I disputed the information again and I checked the reports again and all 3 still have different information on them. I am attaching the discrepancies that I found on my reports. I would like to file a complaint with all 3 credit reporting agencies regarding this matter.

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 2019-01-23 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: MI

Complaint narrative:
I have an account on all 3 of my credit reports. The name of the company listed on the reports is XXXX XXXX. I sent 2 dispute letters to each of the 3 credit bureaus asking that they verify the debt. They each stated that they verified or updated the information on my report. I checked my report in XXXX  and there were discrepancies on each of the different reports. There were different dates and amounts that they state that I owe. I disputed the information again and I checked the reports again and all 3 still have different information on them. I am attaching the discrepancies that I found on my reports. I would like to file a complaint with all 3 credit reporting agencies regarding this matter.

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 2019-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Approximately XX/XX/XXXX, I applied for forbearance and paid the {$100.00} that they said I had to pay in order to get the forbearance. I was told my next payment would be due XX/XX/XXXX. I made the payment, but never logged into the account, as I paid through Bill Pay through my bank. Late in XXXX, I had a credit monitoring alert saying that Navient was past due. I have now called 5 times. Each time I am told, they know there is a problem. The person who processed the forbearance made a mistake and everything will be taken care of. It is now XX/XX/XXXX and the problem is still not fixed. My credit score dropped by 90 points since XX/XX/XXXX, that is on top of the 40-50 points it dropped in XXXX  because of Navient. This is not the first time this has happened when I applied for forbearance. It happened earlier in XX/XX/XXXX, but was resolved, however it did not take this long. I have asked for things in writing but never get anything. I am currently 15 days past due as I have not paid XXXX because they are not properly applying my payments. Today, I am the phone with XXXX XXXX employee ID XXXX  who is saying she is speaking to her manager XXXX XXXX and my forbearance will be processed and my loan will be due XX/XX/XXXX. This is now eating up 5 months of forbearance when it should have been 3.

Every single time I called I have asked for the conversation recap in writing. Once I was told I would have it, never received it. Now I am told they can not do that.

Every time I call I am also told that things will be corrected. As of today, nothing has been fixed yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I had two loans that defaulted with Navient. Wen I called and asked them about the defaulted oans after they claim they had no defaults the girl said I had to write in for the info. I wrote a letter requesting the information about the dates. XXXX XXXX sent me a letter and stated they would not make a comment on this and that I had no loans defaulted through Navient, but thats not true. I had two loans they sent into default and are now collecting on them. I need the dates they sent the two loans into default. They will not respond to m, y request. I have called XXXX XXXX  with Navient several times but the person will not return my call. Since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a dispute with an account with Compass Bank with a merchant who refused to cancel a transaction and shipped the item ignoring my cancelation request. Today I received an email I believe violates my rights to service with the company for services I am entitled to as an account holder. Compass Bank states that because of disputes all of which are valid I run the risk of account closure which makes no sense. I have never read of being threatened with account closure for services included as an account holder.

The merchant taunted me throughout our communications and the package had been refused and forwarded back to the senders.

Order time & date : XXXX XX/XX/2018 Amount of {$46.00} The transaction was unauthorized when I initiated the cancelation!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I got a letter from SunTrust telling me both my personal and business checking accounts were being closed. Both of these accounts had already been closed as early as mid-XX/XX/XXXX but I received the official closure letters on this date.

The letter says " At the time of account closure, SunTrust Fraud Risk Operations performed a thorough review to determine that status of the funds, if any, in your recently closed account. If it is determined that these funds, if any, should be returned, a check will be sent within 15 business days. If it is determined that these funds are not collectible by SunTrust, the remaining funds will be forfeited. '' It has since been over 15 business days and I received no checks for any of my accounts. I called them on XX/XX/XXXX and now they are telling me my funds are in reclamation until XX/XX/XXXX in case any institutions try to reverse the funds sent to me, and then after that date I have to wait again for the review process of my funds.

I do not understand why they are treating me like a criminal acting like my money is no good all of a sudden. I never had any institution do a reclamation on the funds in my bank account since opening my accounts with SunTrust over 2 years ago up until present day, so why are they making me go through this?

The only suspicious activity I can think of was a failed withdraw a few days before my final account was closed but this failure was the result of my local SunTrust branch not being cooperative and listening to me. I made the same withdraw on the same day at a different branch and provided everything asked of me, they can also review security footage and see I am the same person who banked with them since opening my accounts.

I tried calling them multiple times in the last few weeks to resolve this but they are maintaining that I must wait so I am filing this report now in hopes they will reconsider. I will wait a few more weeks and then I will go to my last resort which is taking SunTrust to court for the amount held, damages, and lawyer fees.

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 2019-01-23 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: GA

Complaint narrative:
I sent off dispute letters to Experian, XXXX, and XXXX  on XX/XX/2018.I did get results back, however, there are still things on my report that do not belong to me they are still reporting! This is effecting my life and I need them to send original signiture pages from each debt collection company that claims I owe them. Also, they are violating the FRCA regulations by reporting items they are not suppose to with out proof of verification. I also need them to delete all addresses except XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Best, 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