vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2019, Experian received an initial certified letter from me, disputing and requesting verification of various accounts reported by Experian on my personal credit file ; the verification request included my social security information, as well as the accounts and account numbers in question. 

On XX/XX/2019, I received via regular mail a copy of my credit file dated XX/XX/2019. In their reply, Experian stated they have " verified the accounts '', and that they " have updated '' and/or " modified '' various fields within each account in question. 

On XX/XX/2019, Experian received a follow-up certified letter from me requesting again to provide their Method of Verification of each account listed on the initial dispute letter. 

As of today, XX/XX/2019, I have not received a response from Experian with regard to their Method of Verification of the accounts in question. 

Experian has refused to provide their Method of Verification for the accounts listed in the dispute letter according to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' As stated above, Experian received certified mail from me on Thursday, XX/XX/2019 at XXXX, but did not reply within the timeframe set forth in the above mentioned paragraph. Therefore, all items referenced in my initial dispute must be deleted from my credit file.

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 2019-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have been in Chapter XXXX since XX/XX/XXXX. 
Wells Fargo has not sent a mortgage statement since XX/XX/XXXX, despite numerous requests, in writing and by phone, by my bankruptcy attorney. 
An Agreed Order was entered on XX/XX/XXXX ordering Wells Fargo to send me monthly statements. 
Wells Fargo has not complied. 
Wells Fargo has not applied my XX/XX/XXXX payment.

Wells Fargo has not sent me an XX/XX/XXXX statement. 
I suspect they're charging me interest on balance not adjusted. 

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
Consumer complaint received 2019-04-01 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: CA

Complaint narrative:
Hi there, The Credit Reporting Agencies refuse to Really investigate my case, I do see Fraudulent Bankruptcy and one XXXX Account on 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 non-monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2019 I called the Kohls company and spoke to XXXX, employee ID XXXX. He advised me that even though I could make the full payment and clear the account, the late fee of {$27.00} would not be waived. This fee is assessed immediately despite good past billing, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2018 I attempted to send money via XXXX to a friend in the amount of {$50.00}. The friend necer received the funds so I XXXX searched XXXX customer service number and contacted them for assistance. I spoke to who I was led to believe was a customer service rep for XXXX. Who stated that they needed to send test transactions to link my account. I was told that these transactions would only be test transactions and no money would be deducted from my account but instead {$640.00} was deducted. I immediately asked to speak to a supervisor but was disconnected and unsuccessful with reaching anyone since. The next day I filed a complaint with Navy Federal who investigated and gave me a provisional credit but have reversed the credit after they were unsuccessful with getting anything resolved with XXXX XXXX. Since then I've made 3-4 email attempts to speak with someone about this issue with no response I've also requested the rest of my money that is left in my XXXX account but the only response that I received was that my account was closed due to the dispute I made withy bank. I have filed a police report and have not been able to get any help from Navy Federal or XXXX with this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
XXXX XXXX XXXX has sold debt to XXXX XXXX XXXX   for A vehicle I own with title and lien release. No debt is owed to either company. A letter asking for validation was sent on XX/XX/2019. XXXX has not contacted me since. 
Amount attempted to collect was {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: LA

Complaint narrative:
I have been paying XXXX XXXX for years and my account has been reflecting that I am not paying my child support. I pay my XXXX XXXX directly at the XXXX XXXX  XXXX Court house each pay date and The State of Louisiana Department of Children and Family Services, reports on my credit report that no payments have been made. This has been going on years now and has caused me major financial hardship. I have been unable to get a fair credit card, get a drivers license or purchase a home. Because they are reporting that I am not making my payments. I have contacted the parties involved for years now and they are unwilling to help correct the matter. I have attached my last 54 payments and I also have the receipts for the current month as well. These receipts come directly from the court clery.

I have exhausted all avenues trying to get assistance with this matter and in my research, I found that it is my right by law to have this account, completely deleted from my credit report and never to be reported again, due to the errors in the reporting of this account. This legal right is granted by the FCRA and I would like to enforce this right as I have been harmed for years now, with no assistance is correcting this matter.

I attached my last few payment receipts, I have last months receipts as well as the last 54 payments, I tried to attach them but your system won't allow me attach the file because it was over 10 MB. So I just attached a few, but can provide all of them for you, without a problem.

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 2019-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing is charging consumers up to {$15.00} processing fee for utilizing their online payment functionality. 
Consumers should not be forced to pay a processing fee for making online payments on the company website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I attempted to move money from XXXX XXXX  to XXXX XXXX XXXX. I had a Bank Check in the amount of over {$100000.00}. I wanted to put the money into a CD. The Banker did what he called a soft inquiry into my credit report and found a problem with my credit. 
I was concerned that that there may have been Identity Theft since I've never had a problem depositing money in any other bank. I also have no outstanding loans, no mortgage, etc. I did my own credit check through XXXX XXXX and my Credit Score was XXXX and I was provided the long form showing my credit cards and payment history. The remark on the form said " XXXX, you have excellent credit. '' I received a letter today from XXXX XXXX which told me nothing other than the consumer report they used to evaluate my application was Experian, Inc. I can not seem to get any information from Experian. It's impossible to contact them by phone. I did my own credit check through them and got about the same report as through XXXX XXXX. 

Your assistance in this matter would be most appreciated.

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 2019-04-01 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: CA

Complaint narrative:
Hi there, The Credit Reporting Agencies refuse to Really investigate my case, I do see Fraudulent Bankruptcy and one XXXX Account on 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 2019-04-01 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: CA

Complaint narrative:
Hi there, The Credit Reporting Agencies refuse to Really investigate my case, I do see Fraudulent Bankruptcy and one XXXX Account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: CA

Complaint narrative:
I have contacted to Credit Reporting Agencies and provided them Full Police Report as well as FTC report regarding the fraudulent Bankruptcy that showing on my credit report but they still do not investigate the dispute which is considered as breaking the FCRA on their end, Plz help me to make them to obey the law. Thank You

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 2019-04-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, my XXXX account charged Pay Pal {$7.00} for a one month 's subscription. On XX/XX/XXXX I checked my Paypal online and saw two charges for {$7.00} dated XX/XX/XXXX. I called XXXX and they told me they had only charged my account {$7.00} for one month. Which I verified online. On XX/XX/XXXX I called Paypal. They said it was a statement error and they would fix it. I subsequently call Paypal on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told to submit a dispute resolution. On XX/XX/XXXX I submitted a dispute resolution on the Paypal system, but the system didn't really allow for an adequate description of my problem. On XX/XX/XXXX, I received an email from XXXX telling me they were cancelling my subscription and Paypal online showed a reversal of the {$7.00} charge, as did my XXXX account. This occurred because paypal sent my dispute to XXXX. 
Nevertheless, the second charge for {$7.00} still showed on my on line Paypal statement. It was not a XXXX charge and I felt paypal was in error. I tried to resolve it with Paypal with calls on XX/XX/XXXX and XX/XX/XXXX. Very frustrating, since I feel that the customer people are tone deaf and can't seem to reconcile or look at activity on statements and what they call PayPal credit. On XX/XX/XXXX I sent a letter to PayPal Billing Disputes and Correspondence, but when they replied, they don't seem to understand the problem. On my letter I specifically asked for copies of the two billings for {$7.00} from XXXX so that I could go back and discuss the issue with XXXX. Paypal did not provide the requested information I needed to follow up with XXXX. They said on a written response dated XX/XX/XXXX that they have resolved the issue, since XXXX credited back the {$7.00}, but that I still owned {$7.00} plus fees and interest. They fail to understand the problem and they fail to provide me with the evidence I requested.

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 2019-04-01 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: GA

Complaint narrative:
I sent in the proper documents and the still didn't delete the accounts that I have on there. 


XX/XX/XXXX {$3900.00}, {$3800.00} XX/XX/XXXX XX/XX/XXXX {$17000.00} XX/XX/XXXX XX/XX/XXXX {$5900.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: CA

Complaint narrative:
I have contacted to Credit Reporting Agencies and provided them Full Police Report as well as FTC report regarding the fraudulent Bankruptcy that showing on my credit report but they still do not investigate the dispute which is considered as breaking the FCRA on their end, Plz help me to make them to obey the law. Thank You

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 2019-04-01 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: CA

Complaint narrative:
I have contacted to Credit Reporting Agencies and provided them Full Police Report as well as FTC report regarding the fraudulent Bankruptcy that showing on my credit report but they still do not investigate the dispute which is considered as breaking the FCRA on their end, Plz help me to make them to obey the law. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received a text message alert warning me that someone was using my card unauthorized. They listed a number below for me to call. When I called the number they began a debit fraud dispute for me that included many charges that took place during this timeframe from the XX/XX/XXXX. After filing my dispute, the airline got caught doing some type of switch up that revealed 2 flights being purchased for me for the same flight. I then called back to report this as well. Most recent I contacted the cfpb about what the bank did to my automobile insurance. I reported an employee for threatening to cause a lapse in my ( supposedly canceled ) insurance because I told him I would file a lawsuit for the money they owed me. They owed me over 200 dollars but when I called to report what occurred they claimed they sent a check for XXXX. Which I have not received. Because I told the cfpb about Mr XXXX. The bank then reversed the credit they issued to me AFTER notifying me that someone was using my card. I am writing to get the credit given back to me and to end retaliation against me for informing the cfpb about their dishonesty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
They are calling every 3 hours. I have an app that says its Citibank robocall. I dont have a Citibank account. They have called 3 times today since XXXX XXXX. They also called several times last week

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 2019-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been paying child support for years and my account has been reflecting that I am not paying my child support. I pay my child support directly at the XXXX Parrish Juvenile Court house each pay date and The State of Louisiana Department of Children and Family Services, reports on my credit  report that no payments have been made. This has been going on years now and has caused me major financial hardship. I have been unable to get a fair credit card, get a drivers license or purchase a home. Because they are reporting that I am not making my payments. I have contacted the parties involved for years now and they are unwilling to help correct the matter. I have attached my last 54 payments and I also have the receipts for the current month as well. These receipts come directly from the court clery. 

I have exhausted all avenues trying to get assistance with this matter and in my research, I found that it is my right by law to have this account, completely deleted from my credit report and never to be reported again, due to the errors in the reporting of this account. This legal right is granted by the FCRA and I would like to enforce this right as I have been harmed for years now, with no assistance is correcting this matter. 

I attached my last few payment receipts, I have last months receipts as well as the last 54 payments, I tried to attach them but your system won't allow me attach the file because it was over 10 MB. So I just attached a few, but can provide all of them for you, without a problem.

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 2019-04-01 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: LA

Complaint narrative:
I have been paying child support for years and my account has been reflecting that I am not paying my child support. I pay my child support directly at the XXXX XXXX Juvenile Court house each pay date and The State of Louisiana Department of Children and Family Services, reports on my credit report that no payments have been made. This has been going on years now and has caused me major financial hardship. I have been unable to get a fair credit card, get a drivers license or purchase a home. Because they are reporting that I am not making my payments. I have contacted the parties involved for years now and they are unwilling to help correct the matter. I have attached my last 54 payments and I also have the receipts for the current month as well. These receipts come directly from the court clery. 

I have exhausted all avenues trying to get assistance with this matter and in my research, I found that it is my right by law to have this account, completely deleted from my credit report and never to be reported again, due to the errors in the reporting of this account. This legal right is granted by the FCRA and I would like to enforce this right as I have been harmed for years now, with no assistance is correcting this matter. 

I attached my last few payment receipts, I have last months receipts as well as the last 54 payments, I tried to attach them but your system won't allow me attach the file because it was over 10 MB. So I just attached a few, but can provide all of them for you, without a problem.

Company response to consumer: Closed with explanation