vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 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: TN

Complaint narrative:
I mailed a letter on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information in regards to a negative debt that is reporting on my credit report that I have absolutely no knowledge about. Experian received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX . This is the 3rd time I have sent certified letters to Experian in regards to this account. According to the FCRA Rules, FCRA 623 ( b )  ( 2 ) and 611 ( a ) ( 1 ), i t states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report and provide documents. The fact that I received a response in 8 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this negative account reporting on my credit report display as a sign of financial trouble when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for this negative account that does not belong to me. I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. The fact that they said the account was verified means the company had to provide documentation.  XXXX   XXXX   XXXX ,  XXXX  Edition,  XXXX , defines  Verify as, 1 ) " To  prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. ''  2 ) To  confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.

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 2017-05-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On    XXXX   XXXX    , 2017 I o btained a copy of my Experian,  XXXX  and  XXXX  credit reports. I noticed there are   XXXX  ac counts in collection with a company called  XXXX . I sent ou t 3 d ispute letters certified mail to  XXXX  using the address they provided on all  XXXX  credit reports on    XXXX   XXXX  , 201 7 . On   XXXX   XXXX , 2017  I received the certified letters back because the address was undeliverable. On   XXXX   XXXX  , 201 7  I then sent ou t 3 m ore certified letters to the  XXXX  credit bureaus including a copy of the certified mail tracker showing the address is undeliverable. I received a response from Experian on   XXXX   XXXX   , 2017 sta ting that the accounts have already been verified and they would not remove the accounts from my credit report. It is my understanding that per the FCRA & FDCPA the bureaus are not allowed to report anything they know to be false including address. These accounts are reflecting poorly on my credit reports which in turn is making it very difficult for m e to obtain credit. My rights are being violated and I 'm not sure what else to do. The information is being reported incorrectly and by law it should be removed from all  XXXX  bureaus.

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 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
XXXX   XXXX  IS A GRANT TO HELP STRUGGLING HOME OWNERS AND YOU DID NOT PARTICIPATE IN THE PROGRAM. I AM AWARE THAT YOU DID NOT HAVE TO PARTICIPATE. BY YOU NOT PARTICIPATING PUT ME AND OTHERS IN A TIGHT SITUATION FROM A STRUGGLING ECONOMY AT THAT TIME. YOU STATED THAT YOU ARE NOT GOVERNMENT SPONSORED. HOW CAN YOU NOT BE? YOU DID LOAN MONEY FOR MORTGAGES, YOU WERE A FINANCIAL INSTITUTION. SHOULD N'T YOU BE REGULATED BY THE GOVERNMENT? MOST FINANCIAL INSTITUTIONS ARE. WHAT KIND OF INSTITUTION ARE YOU? BY YOU NOT PARTICIPATING CAUSED DAMAGED TO A LOT OF PEOPLE PROBABLY, PROBABLY ESPECIALLY TO  XXXX   XXXX  AND OTHERS OF  XXXX . LIKE YOU SAID YOU DO NOT HAVE A RECORD OF ANY OF YOUR EMPLOYEES BEING RUDE, BUT THEY WERE, I DID NOT EXPECT YOU TO ACKNOWLEDGE THAT. I WAS TREATED RUDE AND GOT THE RUNAROUND. YOU DID NOT HAVE THE DECENCY TO SAY I APOLOGIZE IF YOU WERE TREATED RUDE. YOU DID CAUSE ME DAMAGE WHEN YOU SERVICED MY LOAN. I AM NOT SATISFIED WITH YOUR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited a check through mobile banking whi ch Webster Bank approv ed. Almost a week later they returned the check. I contacted the bank on  X/XX/17    and the representative notified me that the check was returned because they could not read the check even though they approved it. She told me she would reverse all of the bank fees. I cashed the original check and deposited cash. On  X/XX/17   . I received another notification of a fee. I called to have it reversed and the bank refuses to reverse it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Today I received a email notification that my account was closed .... My account was negative for almost two months because wells fargo reversed a disputed charge .... I contacted them and explained the payment was paid by insurance company and was told that they would undue the charges again and to date I have received no notification of such changes ... ... They have also charged me fees that should n't be accessed on my account, I 'm tired of this bank stealing money from us ... .. they never sent me a letter stating the were denying the claim or reason as to why if the claim was denied .... very unprofessional of them .... with them the last 7 months ov er 10k has  been deposited into this account and ever over drafted or negative balance I have gotten in the past has been paid ... .. I had the opportunity account and was told that after year it would roll of to a regular checking and savings account ... ...

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 monetary relief
Consumer complaint received 2017-05-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am growing so frustrated with  XXXX  's not correcting wrong information under my credit card account on all of my credit reports. I used to have an account with  XXXX  and the number was #  XXXX . The account is missing many many months of information but in  XXXX  of    2013 it is d isplaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late with  XXXX   XXXX , and when I had problems processing a payment it was due to the associates errors and lack of communication from  XXXX  's with me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified.   THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am growing so frustrated with  XXXX  's not correcting wrong information under my credit card account on all of my credit reports. I used to have an account with  XXXX  and the number was #  XXXX . The account is missing many many months of information but in  XXXX  of    2013 it  is displaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late with  XXXX   XXXX , and when I had problems processing a payment it was due to the associates errors and lack of communication from  XXXX  's with me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified.   THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems to 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 2017-05-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On  XX/XX/2017    I contacted  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , AND  XXXX   XXXX    XXXX    XXXX  in order to remove hard inquiries that was placed on my credit report by these companies and no one could help me as they do not know what the process is in order to remove them. I disputed them online through Equifax and was told that I needed to contact the creditors directly but they was of no help at all. I need these  XXXX  hard inquiries removed from my credit report. Equifax told me that they could not personally remove these inquiries and each of the creditors told me that they could not remove these inquiries and that Equifax has to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
TODAYS DATE :  XX/XX/XXXX  ATTENTION DISPUTE DEPRATMENT : AFNI  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition  on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence  ( 1 )  In general No perso n ( comp any ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under se ction 1681c-2 of this  title has resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the    pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under secti on 1681c-2 of thi s title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX  Telephone Consumer  Protection Act Liti gation, Case No.  XXXX , in the  U.S. District Court fo r the  XXXX   District of  California Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My  XXXX   XXXX  Account that was  " In Good St anding '' on my credit report has been deleted or blocked from my report and my report no longer generates a score because of no credit history. The account should NOT have been removed.    XXXX   XXXX  Credit Card Account #  XXXX  ... Date Opened :  XXXX   XXXX  First Reported :  XXXX   XXXX  Credit Limit : {$7700.00} Payment History : starting  XXXX   XXXX  - current I have contacted  XXXX   XXXX  customer service dept. and also th e Fraud Dept. an d both departments informed me that they have not stopped or requested removal of my account reporting and that my account is currently scheduled to report currently. A letter confirming that reporting is in effect has been sent by  XXXX   XXXX  to all  XXXX  bureaus to prove this fact.   I recently filed an Identity Theft report that included  XXXX  unrelated  XXXX   XXXX  accounts and I feel that there is a possibility that the wrong account " In Good Standing '' was blocked by mistake, because the fi rst 4  digits are the same "  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 2017-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (FL)
State: FL

Complaint narrative:
I was involved in an accident at the end of XXXX 2016. The other driver was found to be at fault. The driver was in a work truck pulling a trailer and rear ended me going around 40-45 mph. I was seen at a local ER within the next 2 weeks and then was seen by XXXX and now an XXXX XXXX. The bills I received originally I sent to my insurance agency to pay, and I was under the impression that these were covered completely. They were not, however, two in particular were applied towards my deductible and an outstanding balance remained. I moved addresses from XXXX area to XXXX area and had my mail forwarded to the new address but did not receive any further contact stating that any balances remained. I did not receive mail, phone calls, or emails despite my phone number and emailing being up to date and current with both agencies. I did not know about the balances until I received bills from collections agencies. AR resources Inc and XXXX XXXX XXXX XXXX. I have attached those bills. I also had a credit report done and these collections have made my credit score drop over XXXX points. If I were to have been contacted by the original billing agencies properly I would have gladly paid the bills to avoid collections and just received the settlement from the insurance at a later date. The debt collectors ASSURED me that if I pay it will immediately come off my credit, but I am concerned that it will only show as paid debt and still be on my credit bringing it down for 7 years. The original billers were XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I contacted both of these companies and they stated that they mailed me bills, however I did not receive them and they did not make any attempt to call me or email me or I would have gladly paid the bills. Instead, this is now effecting my previously PERFECT credit and literally destroying my finances and making it difficult to get a home loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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:
Hi, On  X/XX/27 , I submitted complaint  XXXX  against  XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ) i n regards to unauthorized credit card charges  XXXX  was attempting to collect.     Even though this dispute is ongoing and still under review by  XXXX   ( and now CFPB ),   XXXX  has continued to assign late charges to this account and notify each credit bureau that I am " delinquent '' in repaying.     On  X/XX/27 , I sent letters to each credit burea u (   XXXX ,   XXXX   and Equifax ) with documentation of the dispute and status. As per the Terms and Conditions of  XXXX  's Cardmember agreement-  XXXX  can not not notify any credit bureau that an account is " delinquent '' if those charges are being disputed.     I have received correspondence back from each credit bureau that they have requested additional information from  XXXX  and have placed " fraud alerts '' on my credit report- however,  XXXX  continues to report my account as delinquent and the credit bureaus have not removed this detail.     As of  X/XX/17 , my credit reports reflect this disputed account as 60 days past due, and my credit score has been dramatically reduced. Also- I 'm not sure how my phone number was released or sold, but I 'm now receiving " credit help '' calls which I have to block.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: CA

Complaint narrative:
Hi, On  XX/XX/XXXX , I submitted complaint  XXXX  against  XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ) i n regards to unauthorized credit card charges  XXXX  was attempting to collect.     Even though this dispute is ongoing and still under review by  XXXX   ( and now CFPB ) ,  XXXX  has continued to assign late charges to this account and notify each credit bureau that I am " delinquent '' in repaying.     On  XX/XX/XXXX , I sent letters to each credit burea u (   XXXX , Experian and  XXXX  ) with documentation of the dispute and status. As per the Terms and Conditions of  XXXX  's  Cardmember agreement-   XXXX  can not not notify any credit bureau that an account is " delinquent '' if those charges are being disputed.     I have received correspondence back from each credit bureau that they have requested additional information from  XXXX  and have placed " fraud alerts '' on my credit report- however,  XXXX  continues to report my account as delinquent and the credit bureaus have not removed this detail.     As of  XX/XX/XXXX , my credit reports reflect this disputed account as 60 days past due, and my credit score has been dramatically reduced. Also- I 'm not sure how my phone number was released or sold, but I 'm now receiving " credit help '' calls which I have to block.

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 2017-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened my own business about 3 months ago and took out  an American Express Business Gold  card, based on the promise that I would receive  XXXX  bonus points if I spent more than {$5000.00} during the first three months. I spent the {$5000.00} but noticed my points balance remained at  XXXX . Today,  XXXX   XXXX ,  2017, I  contact ed American Express  about this issue and after being bounced around  to 4 pe ople, was given every excuse in the book ( i.e. the program has ended, the promotion was for either no annual fee the first year or the points and you chose the no annual fee, etc. ). I told them my partner had taken out his card around the same time and got the points, that even as I spoke to them on the phone I could access their website offering the promotion, that there was no option of which promotion I would select ( and if there was I would obviously take the  XXXX  points over a {$170.00} annual fee waiver ), but nothing seemed to matter. I then told them I wanted to cancel the account, which I did. I believe that these kind of bait-and-switch campaigns must be confronted as many people do not have the the time or energy to deal with it, and will simply ignore it.

Company response to consumer: Closed with explanation