vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There is delayed that is being reported on my credit report appears to be inaccurate and misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
There is delayed that is being reported on my credit report appears to be inaccurate and misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.

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 2018-07-19 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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial has been reporting late payments on my 3 credit reports for 2 months now. 
The financed car with GM Financial was involved in accident back on XXXX and XXXX XXXX found it total loss and paid off the car back on XXXX. But this company is ruining my credit history without valid reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have tried to dispute the attached accounts with bank of America in regards to charge offs but without success.This company has continued to violate the California Credit reporting act by reporting these accounts that were never charged off, they were merely settled after falling late just a few months.

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 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: NV

Complaint narrative:
Dates on credit report are wrong. They do not provide a delinquency date which has re-aged the account. 
" Section 623 ( a ) ( 5 ) requires a creditor that reports a chargeoff to a CRA to notify the agency ( within 90 days of reporting the account ) of " the month and year of the commencement of the delinquency that immediately preceded '' the chargeoff. Section 605 ( a ) ( 4 ) provides that the credit bureau may report the chargeoff for seven years. Section 605 ( c ) ( 1 ) provides that seven year period begins 180 days from that date. '' There is no report last delinquency date. 
They have also changed the date of when the account was opened. I do not have an account with XXXX XXXX and I did not open an account with them in 2014. 

They are in violation, creditors and debt collectors are responsible for reporting information to the bureaus that will them update the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Disputed with the company multiples times, also XXXX XXXX sent out letters on my behalf at the beginning of the year with no response so I sent my last and final validation letter on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail tracking. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response. The bureau did not provide a written contract between myself 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 explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
I called to get my monthly payment reduced as I am currently not working - was given the option for forbearance. Decided to only do it to ONE of my loans as i could afford the payment for the other. They put the incorrect loan in forbearance therefore making my account past due as I was under the impression I did not need to make payments on the larger balance loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX has been reporting late payments on my 3 credit reports for 2 months now. 
The financed car with XXXX XXXX was involved in accident back on XXXX and XXXX XXXX found it total loss and paid off the car back on XXXX. But this company is ruining my credit history without valid reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX has been reporting late payments on my 3 credit reports for 2 months now. 
The financed car with XXXX XXXX was involved in accident back on XXXX and XXXX XXXX found it total loss and paid off the car back on XXXX. But this company is ruining my credit history without valid reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX has been reporting late payments on my 3 credit reports for 2 months now. 
The financed car with XXXX XXXX was involved in accident back on XXXX and XXXX XXXX found it total loss and paid off the car back on XXXX. But this company is ruining my credit history without valid reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank chose to close my credit card after 5 years of current payments, with no reason or advance notice in XX/XX/XXXX. 
At first it was told to me that I was not current on minimum payment. Untrue. 
XX/XX/XXXX Citi operator said it closed due to suspicious activity. 
I have yet to be temporarily credited or documents on dispute I addressed in XX/XX/XXXX by XXXX XXXX for {$560.00} in XX/XX/XXXX, unauthorized. They closed the account, issued new card w/ account, but denied me $ 0 % liability on unauthorized transactions. 

1. I am NOT paying the disputed amount plus interest on the XXXX XXXX charge. 
2. Explain why Citibank choose to close my account. 
IN WRITING OVER CFPB ONLINE AND TO MY MAILING ADDRESS. 

Regards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
2nd Amendment with Additional Dispute with Transunion Unknown and Approved Credit Inquiries to Complaint -- XXXX about TRANSUNION. 

Transunion refused to allow me to dispute the following inquiries as have not applied for any credit with the following companies, banks, loan servicing entities, and I am disputing : 1. XXXX XXXX, Inquiry XX/XX/XXXX, not my request 2. XXXX XXXX XXXX, Inquiry XX/XX/XXXX, not my request 3. XXXX XXXX, inquiry XX/XX/XXXX, not my request 4. Duplicated Transunion Interactive, inquiry three three ( 3 ) on XX/XX/XXXX, not my request 5. Duplicated Transunion Interactive, inquiry three times ( 3 ) on XX/XX/XXXX, not my request 6. XXXX XXXX XXXX XXXX, inquiry on XX/XX/XXXX, not my request and duplicated 7.XXXX XXXX XXXX, inquiry on XX/XX/XXXX, not my request 8.   XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my request 9. XXXX XXXX, inquiry XX/XX/XXXX, not my request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: CO

Complaint narrative:
XX/XX/18 my daughter transferred {$450.00} through XXXX for purchase of tickets. She did not receive the transfer as promised through XXXX. I received a notice from XXXX XXXX that the transaction took place along with a phone number to call XXXX XXXX if there were any questions. I called XXXX immediately ( within 5 minutes after the transfer ) and they said there was nothing they could do to help with this fraud. Upon contacting XXXX they said it states on their website not to send money to anyone other than family and friends. I thought I was sending money to a friend. They will not refund money. 

Proof of product for sale and conversation with seller attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have one disputed charge first submitted in XX/XX/2018. Six months later, the issue has not been resolved. Fraudulent charge is still listed on my balance. Have requested escalation numerous times. Have been passed from dispute to fraud department in an endless loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
The collection agency somehow contacted my father in law on XX/XX/18 who has nothing to do with the credit card in collections. They told him i have a debt in the amount of {$1200.00} and gave him the reference number. Again he has nothing to do with this credit card account. They violated my rights by sharing information with another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
this company has contacted me several times pertaining a debt I don't owe. I have notified them several times to cease and desist yet they still continue to contact me by mail and by cell phone. they are also reporting negating information to the CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Disputed with the company multiples times, also XXXX XXXX sent out letters on my behalf at the beginning of the year and in XXXX with no response. There were multiple accounts that had been broken up into smaller amounts ranging from {$25.00}, {$75.00}, {$470.00}, {$260.00} and etc and the bureaus deleted for lack of verification It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response. The bureau did not provide a written contract between myself and XXXX XXXX XXXX.The account was deleted from the credit bureaus again last month due to not being able to verify yet it was re-inserted on my reports without me being notified prior to the action.

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 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
Received a letter today from " XXXX XXXX '' saying that I owe a debt to them, through XXXX, of {$620.00}. 

That is frankly impossible, I currently have an active account with XXXX ( had it for years now ) which is auto-paid directly from my bank account every month. 
I also check online to make sure everything goes through, I have never missed a payment. They'd bill me before sending it to collections, I have never heard about any debt or seen anything on my ( again, *active* ) account about any outstanding debts. 

The debt mentioned in the letter from Convergent is obviously, and completely, false.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On XX/XX/2018 freedom mortgage asked me to remove verbiage on all three credits reporting agencies, after I was approved and in underwriting. The the result was my score dropping more than 50 points and they informed me that I would no longer be qualified at the locked in rate and I could not look elsewhere due to my score dropping. This seems predatory as I was locked in at the rate upon agreement. And they had me ruin my score as to get an unfavorable 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 2018-07-19 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: IN

Complaint narrative:
My XXXX XXXX XXXX account number : XXXX is being reported as being delinquent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XXXX XXXX credit report, Transunion has the account listed twice, one with the delinquency and one in good standing ; which they all should be in good standing with no delinquencies. The account has been closed and paid in full. I have notified XXXX, Trans Union, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. XXXX have removed the late status. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/XXXX, they had removed the account delinquencies and later put them back on my report driving my score down. TransUnion and XXXX only sent me a report stating that the accounts were verified. They did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the delinquencies be deleted immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NCC BUSINESS SERVICES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: IN

Complaint narrative:
My XXXX XXXX XXXX account number : XXXX is being reported as being delinquent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XXXX XXXX credit report, XXXX has the account listed twice, one with the delinquency and one in good standing ; which they all should be in good standing with no delinquencies. The account has been closed and paid in full. I have notified Experian, XXXX XXXX, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. XXXX have removed the late status. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/XXXX, they had removed the account delinquencies and later put them back on my report driving my score down. XXXX and Experian only sent me a report stating that the accounts were verified. They did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the delinquencies be deleted immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Called to open my brand new credit card and the representative on the other line started questioning my identity when I had clearly answered all of the security questions. She asked me very personal questions related to my education and wether or not I had graduated from college or high school. Not only did she discrimaminated against me because I am XXXX but I'm sorry I have credit cards over {$10000.00} dollars. Why in the world would I do any business with this bank that gave me a {$1000.00} credit card account. Ridicoulous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Disputed XXXX XXXX for {$590.00} with the company multiples times, sent out 611 & 609 letters on my behalf with no response so I sent my last and final validation letter on XX/XX/18 also spoke with them 2 weeks ago at which each time I asked them to validate the debt with a written contract. Company received my disputes on It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response. The bureau did not provide a written contract between myself and XXXX nor did the company as each time they called me I asked them to send the contract with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: NV

Complaint narrative:
On XX/XX/2018 my bank account of 25 years was compromise. XXXX XXXX XXXX XXXX. Someone got my bank information and overdraw my checking account by ordering fraudulent merchandise with my account information. I noticed a few days later recent inquiries on my credit report for credit. That I did not authorize. As I was reviewing the recent inquiries I also noticed a few older that I didn't recognize. I have not applied for credit and these are all fraudulent and linked to whomever stoke my banking information. I had to file a fraud affidavit for my bank. And police report. To get my money back. These inquiries are fraud. Who will apply with the same creditor the same day.

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