vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-06 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: FL

Complaint narrative:
My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to XXXX. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by XXXX XXXX XXXX and within all honesty at our time of life the prospect of being bound to XXXX XXXX XXXX for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that XXXX was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX  my area code is still a XXXX XXXX XXXX which is simular to a XXXX  area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: FL

Complaint narrative:
My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to XXXX. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late  payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by XXXX XXXX XXXX and within all honesty at our time of life the prospect of being bound to XXXX XXXX XXXX for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that XXXX was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX my area code is still a XXXX XXXX XXXX which is simular to a XXXX  area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.

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 2018-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To whom it may concern : This is my second request to your company about some late payments from XXXX to XXXX. 
I would greatly appreciate if you could make a goodwill adjustment these late payments are affecting my life, I'm a trying to pursue a career in business which would be a more financial rewarding career, as you may know these late payment with XXXX XXXX XXXX XXXX are negatively affecting my credit score and my good name. 
I'm also trying to get a mortgage, and because of these negative masks i'm unable to obtain. 
I have been on time and have enroll in auto pay to prevent this from happening again. 
In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payments as reported on my three major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope XXXX XXXX XXXX XXXX believes in their customers and i humbly request your consideration to allow me to pursue the career of my dreams.I appreciate your time and look forward to receiving a favorable decision from you department soon. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: NY

Complaint narrative:
In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of negative information on my credit report, which does not belong to me. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to Transunion. Transunion responded by deleting 1 of the 2 negative accounts that did not belong to me, they stated that after the investigation they have found that I was responsible for one the accounts which is XXXX XXXXXXXX XXXX. Thats it, no evidence or proof of their investigation.

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 2018-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
THIS IS MY LAST REQUEST FOR RESOLUTION. I WILL FILE SUIT FOR DAMAGING MY CREDIT UNDER THE FCRA. FIRST REQUEST MADE XX/XX/XXXX Company has not reported good status updates in over 30 days. They are required under the Fair Credit Reporting Act to report status once every 45 days. They have not reported since XX/XX/XXXX. 

Due to Gm Financials failure to report it looks like i have a bad payment history and it has cost me a total of 6 loans  since XX/XX/XXXX and countless other credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CIS DIRECT LENDING
State: AL

Complaint narrative:
ON COMPLAINT NUMBER XXXX XXXX XXXX XXXX DID NOT PROVIDE PROOF OF AN ALLEGED CLAIM. ACCORDING TO RESPA THE MORTGAGE COMPANY NEVER DISCLOSED TO ME THAT I WERE PARTY TO AN INVESTMENT CONTRACT.. IT CLEARLY SAYS ON THE LETTER ATTACHED FROM XXXX XXXX XXXX UNDER THE TRUTH IN LENDING ACT " THE AMOUNT OF CREDIT PROVIDED TO YOU OR OWN YOUR BEHALF WHICH MEANS I CREDATED THE DEBT. I CREATED THE DEBT 15 USC 1692 ( A ) ( 4 ) .THEY DID NOT SHOW THE FULL ACCOUNTING RECORDS ACCORDING TO ( GAAP ) THAT I ASKED FOR. THEY DID NOT PROVIDE ME WITH THOSE RECORDS BECAUSE THE COMPANY IS A FRAUD. XXXX XXXX XXXX WAS A THIRD PARTY TO THIS DEBT I CREATED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: FL

Complaint narrative:
Communication from XXXX XXXX XXXX began a few weeks ago. I had received a few calls and a couple of voice mails from this company and when I called back a person named XXXX XXXX answered stating his name. I mentioned that I had received a couple of calls and wondered what it was about. The individual did not reference that they were a collection agency or that it was an attempt to collect a debt. They would only ask for my information and for me to confirm who I am. When I would not comply and asked what it was about he would not respond but continued to ask for my information. I then hung up the phone. He called back and hung up on me. When I called back he threatened legal action. A week later we received a letter from XXXX XXXX XXXX stating that I had an outstanding debt with US Bank. I know that this debt is erroneous as it was paid off a few years ago. When I searched XXXX XXXX XXXX it came up that XXXX XXXX is a representative of that company and that he had harassed other individuals in the same way he had harassed me.

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 2018-07-06 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: Great American Finance Co
State: CA

Complaint narrative:
GREAT AMERICAN FINANCE, account no.XXXX is inaccurately reporting on my XXXX  credit report.I have disputed this account with XXXX  about 10 times.I would like XXXX to obey the FCRA and delete this account from my file.I have attached the report from today 's report and circled the errors, that are " face of the record '' errors.There is no excuse for these errors other than careless reporting and XXXX  SHOULD BE HELD ACCOUNTABLE AND BE FINED BY THE CFPB. 
The account shows DOFD XX/XX/2014 when the payment history shows XX/XX/2014. 
The report shows " current status '' as pays XXXX days when the account was paid and closed over XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
This company, XXXX XXXX, has exhibited numerous underhanded and predatory tactics in the short time I have dealt with them. My loan was transferred to them from XXXX in XXXX of 2017. XXXX was fine by the way. In the short time that I have dealt with Heartland it has been a nightmare. They provide zero information regarding interest on your loans first of all and don't allow you to pay off your interest right away. But more importantly, I had signed up for email notices regarding my payments being due ( I don't remember exactly when as I have no log ) and got nothing back when one of  my payments was due back in XXXX. Of course, I ended up with a late fee. So I spoke with a representative about it and the fact that I had never gotten an email reminder. She stated that although I had signed up for email, it was too late before the due date to send out an email but the next time it would. This was back in XXXX, and the only proof I have is a test email she sent on XX/XX/XXXX to make sure I was receiving their emails. Well now it is XXXX and I have another payment due and again received no email reminder. So I am talking to a Customer Rep and he said the exact same thing " I see you signed up XX/XX/XXXX which is after your bill generated which means you would not receive an email until your next cycle. '' This is a straight up lie! And I told him this as well as told him of my past conversation. I have no doubt that this will continue to happen so that I and many other indebted graduates just like me will get charged late payment fees because XXXX is being deceitful and shady!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: NY

Complaint narrative:
If I have a block against anyone accessing my records why are you allowing them to do so. What is the purpose of the block which is outlined in the fair Credit reporting act if you choose who can access my records without me. You allowed companys to access my records and then are holding my accountable for them accessing it. This is unscrupulous ; you may as well just post my information for the world to see. You have a responsibility to protect my information for which you have failed to do so and now you are trying to side step your responsibilities and push it off on someone else. I have no choice but to allow you to monitor and protect my information the least you can do is be competent and do your job.

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 2018-07-06 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: CT

Complaint narrative:
These accounts were removed off of my credit roughly a few months ago and once I checked my report days after around XX/XX/XXXX these inquiries were put back on my report with me not being notified from Transunion. 
XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX x2 XXXX XXXX XX/XX/XXXX x2 XXXX XXXX XX/XX/XXXX x2 XXXX XX/XX/XXXX XX/XX/XXXX XXXX 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 2018-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I purchased a pre-paid American Express gift card for {$270.00} through spa in California. I gave the card to my daughter. When she went to use the card, she was told it had no money on it. She contacted American Express ' gift card unit and was told that someone made 3 charges on the card on XX/XX/XXXX. Since the card was never out of her possession, both the card number, the CVC and the expiration date of the card must have been stolen as two of these charges were made on line. American Express refuses to compensate me for this loss saying that they don't do that even though the number was apparently stolen. I reviewed their agreement and it totally avoids any paragraph that addresses such theft. I would think that such theft is an inside job. In speaking with the XXXX XXXX, they indicated that they dropped American Express because they have had similar problems. I would expect that the company would be concerned about such hacking of card numbers but they seem totally disinterested in tracking down these thefts. One representative said that once the pre-paid card is issued they have no further responsibility as to what happens to the card relative to fraud or theft ; only if the card is lost or stolen. Why would anyone want to buy an American Express pre-paid card if it is subject to hackers and has no protection? I think American Express should make that a clear disclaimer on these type of cards like tobacco companies warn you of the risk of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ

Complaint narrative:
I HAVE TWO ACCOUNTS WITH ONEMAIN : 1- THE FIRST ACCOUNT IS PAID AS AGREE WHIT XXXX BALANCE. 
2- THE SECOND ACCOUNT I MADE APAYMENT ON XX/XX/2018 CAMPANY ALWAYES REPORT THE END OF EVERY MONTH Until NOW THAT ACCOUNT NOT BEEN REPORTED TO XXXX , XXXX AND XXXX . IN THE PAST EVERY TIME WAITED OVER 3 WEEKS TOTHEM REPORT THE PAYEMENT AND EVERY MONTH I DISPUTE THE ACCOUNT THAT WHY AS CONSMER COMPELAINE ABOUT ONEMAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, account noXXXX is inaccurately reporting on my Equifax credit report.I have disputed this account with Equifax about 10 times.I would like EQUIFAX to obey the FCRA and delete this account from my file.I have attached the report from today 's report and circled the errors, that are " face of the record '' errors.There is no excuse for these errors other than careless reporting and EQUIFAX SHOULD BE HELD ACCOUNTABLE AND BE FINED BY THE CFPB. 
The account shows DOFD XX/XX/2014 when the payment history shows XX/XX/2014. 
The report shows " current status '' as pays 31-60 days when the account was paid and closed over 3.5 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I reported that my card was lost or stolen to the bank. After I received new card, I encountered new charges. Also I was given provisional credit and was charged back {$110.00}. As a result of all of this I was charged {$160.00} in overdraft fees. I reported this to the company but nothing was done and neither I was contacted by the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
I have a medical bill that was sent to my auto accident attorney by mistake ( hospital assumed 2 visits were auto accident related although only one was ) so I never was given the opportunity or notice to pay a bill. Ran my credit today and realized the amount was {$1500.00} was sent to collections and hospital said they sent the bill to my attorney and could not discuss it with me. Attorney said it is not accident related and thats why they did not forward me the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
Hello. 
Writing regarding XXXX XXXX and the XXXX CFPB consent decree against them : ADMINISTRATIVE PROCEEDING File No. XXXX. 

I am a XXXX XXXX equity accelerator program ( enrolled since XXXX ) customer who met the criteria, per the consent order, to be reimbursed for fees and mortgage payments which were NOT paid to the bank/mortgage company as advertised. To date I have not been contacted by the company about a credit ; i have contacted them on several occasions requesting credit and customer service reps were unfamiliar with credit owed so essentially nothing happened towards making me whole and complying with consent decree. Contacting you for assistance and resolution, please. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: PA

Complaint narrative:
Debt is from XXXX from a hospital I have never been treated at ( XXXX XXXX XXXX ). I only found out about the debt on XX/XX/XXXX when I checked my credit report and this debt was listed. 

I wrote the collection agency a letter on XX/XX/XXXX demanding debt validation as I had no idea what this was for. They didn't respond, other than to send a bill directly to my address ( I had never received a bill prior ). I sent another letter on XX/XX/XXXX disputing the debt and demanding validation again. They responded on XX/XX/XXXX with a copy of a bill for a XXXX XXXX, who was XXXX ( bd XX/XX/XXXX ) at the time of treatment on XX/XX/XXXX and apparently gave my name as a guarantor. They stated it was the itemized bill I requested. However, I requested a financial document that I personally signed accepting financial responsibility for any debt, and they are not able to produce one, nor did they respond within the 30 day time period that they are required to respond in.

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 2018-07-06 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
After I reported an unauthorized charges on my credit card, company decided to close my account without my knowledge. I reported several times that there is no any possible way fro me to access the card online to make a payments and there was no any response.

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