vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-04 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: WA

Complaint narrative:
I signed up for extra protection on my account. If anyone attempt to pull my information due to obtaining any credit, it needs to be verified through me with my phone number. I noticed after checking my credit report that there is still fraudulent inquiries on my report. My identity was in jeopardy about 3 years ago. Once my vehicle was vandalize and my property was stolen during my attendance of Sunday service back XXXX. I reported everything to local police. My personal information and expensive military equipment was taken. Ever-since XXXX, I've been having problems with my credit reporting. 

On my XXXX report there are 4 inquiries on my report that the representative refuse to open up investigation on. I call and get a disgruntle worker 90 % of the time. There is a new inquiry posted lately. Nobody called me to verify anything. Why opt into extra security when that doesn't even protect you. Please get this Credit reporting agency to do their jobs. 

XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion just posted XXXX XXXX XXXX, and they never offered me the free protection I was suppose to receive when my identity was jeopardize back in 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 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts and 90 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11 18 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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

Complaint narrative:
XX/XX/2018 payment was made to XXXX XXXX at a branch for the month of XXXX then days later exactly XX/XX/18 account was transferred to new bank XXXX XXXX which payment was made to them XXXX XXXX for that month, so on my credit report chase is posting a 30 days late payment for XXXX when they didnt have the account as of XX/XX/2018 and my XXXX payment was made already to new bank i just need that 30 days late payment for XX/XX/2018 removed and i spoke with them two times and disputed with credit bureaus twice as well and none would help 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 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have paid the debt with the original credit with XXXX/XXXX  service. I paid in full and I reported this to the credit reporting companies. I am unable to provide to my family a home to live due to this continue reporting on my credit. I have ask several times and never the issue is been resolved. Equifax does not comply with my requests and is hurting my family and my personal credit at this point. I am requesting once again to please remove this collection that is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have 2 Capital One credit cards and My wife has one. On, XX/XX/2019, we paid the balances of our credit cards off. On XX/XX/2019, I logged into the Capital One website to ensure all of the cards showed a XXXX balance. I noticed on one of my cards there was an outstanding balance of {$20.00} and a pending interest charge on my wife 's card for {$59.00}. My other card has a pending interest charge of {$98.00}. I called to ask how interested was charged on a XXXX balance. The customer service rep told me it was residual interest. When pressed she could not provide a satisfactory explanation. I was transferred to XXXX  Employee Id XXXX. She identified herself as a supervisor. Again, she was not able to provide a satisfactory explanation as to why the residual interest was not included in the balance 3 days prior to the actual due date. I asked if they could waive the interest and was told no. It occurs to me XXXX XXXX was sanctioned severely for using unfair, and deceptive practices. I believe Capital One is using a similar tactic to rake in several million dollars of phantom interest. I am certain that any language in the credit card agreement is not clearly or conspicuously available and certainly would not be understood by the least sophisticated consumer. As such, it is my hope your agency will launch a full-scale investigation into the unfair and deceptive business practices of Capital One and deal with them accordingly, as this practice is clearly causing financial damages to honest consumers nationwide and clearly they know what they are doing with respect to these unfair and deceptive practices

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-04 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: TX

Complaint narrative:
I have paid the debt with the original credit with XXXX/XXXX service. I paid in full and I reported this to the credit reporting companies. I am unable to provide to my family a home to live due to this continue reporting on my credit. I have ask several times and never the issue is been resolved. XXXX does not comply with my requests and is hurting my family and my personal credit at this point. I am requesting once again to please remove this collection that is paid off.

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 2019-04-04 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: TX

Complaint narrative:
I have paid the debt with the original credit with XXXX/XXXX   service. I paid in full and I reported this to the credit reporting companies. I am unable to provide to my family a home to live due to this continue reporting on my credit. I have ask several times and never the issue is been resolved. XXXX does not comply with my requests and is hurting my family and my personal credit at this point. I am requesting once again to please remove this collection that is paid off.

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 2019-04-04 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: TX

Complaint narrative:
I have paid my debt with credit cards with the bank of XXXX Bank and this still show with balance, when was paid off. I need this to be deleted from my credit since it is preventing me from purchasing a hosue or my family. I have done everything I was requested for and still the main three credit reporting companies will not delete this collection. please verify the debt and delete this, help me from hurting my family. We need a home.

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

Complaint narrative:
I have paid my debt with credit cards with the bank of XXXX XXXX and this still show with balance, when was paid off. I need this to be deleted from my credit since it is preventing me from purchasing a hosue or my family. I have done everything I was requested for and still the main three credit reporting companies will not delete this collection. please verify the debt and delete this, help me from hurting my family. We need a home.

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 2019-04-04 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: TX

Complaint narrative:
I have paid my debt with credit cards with the bank of XXXX XXXX  and this still show with balance, when was paid off. I need this to be deleted from my credit since it is preventing me from purchasing a hosue or my family. I have done everything I was requested for and still the main three credit reporting companies will not delete this collection. please verify the debt and delete this, help me from hurting my family. We need a home.

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 2019-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
I have taken a loan from Bank of Albuquerque Mortgage as of XX/XX/XXXX for a total of XXXX. I was told after 5 years or 78 percent LTV what ever comes firsts is when i can get this removed. I have requested to remove the PMI on the loan, as I have been paying on this loan for 7 years. I was told that the value would have to go up which with time everything goes up in value. the county appraised my house Value at {$180000.00}. XXXX appraises my house at {$220000.00}. I have not missed a payment the whole time I have owned my house. I have also paid extra payments on to the house towards principal. The current owed amount is {$110000.00} which brings the original loan to value to 86 percent. 

I have contacted this bank in writing to remove my PMI as I am supposed to do this in writing in XXXX of XXXX. I have also submitted a copy of the property tax information from the county, as well as the appraisal from XXXX. I received a letter back from the bank and they replied saying I can not remove the PMI on the house until XX/XX/XXXX a coincidence that's its exactly 5 years from the day they received my letter to remove PMI. I know the new loans you have to have it for the life of the loan, but I am on the plan to remove the PMI after 5 years or LTV of 78 percent. I don't believe these people are doing this correctly. 

Also since I originally bought this house. It was 782 Square feet. I have added 120 square feet, and I also put solar on to the house. Tiled the whole inside of the house with heated flooring. Painted and textured all the walls, as well as added a 5 KW Solar panels to the roof of the house. I believe all of these things will increase the value of the house dramatically.

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

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts and 90 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11 18 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Alliant Capital Management LLC
State: WA

Complaint narrative:
XX/XX/2019 XXXX PST - agency called my husband and my employer threatening both of them and trying to obtain informaiton on my whereabouts because of " legal course of action taken against me '' ; they had advised them to let me know to contact them in the next 2 hours otherwise I will be arrested by XXXX EST. Left multiple voicemail messages on my husband 's phone following that conversation. 

Agency : Alliant Capital Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX ; XXXX ; XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/19 I spoke with 3 agents regarding 2 negative identity theft accounts on my report. I wanted to know why they were put into dispute opposed to deleted like the other identity theft accounts were that was on the SAME FTC report and the last agent refused to transfer me to a supervisor as she explained to me that I hadn't submitted enough PROOF that the accounts were fraud and I needed to submit more information for them to delete the accounts. When I asked what additional information is needed she stated that there are NO requirements so she couldn't tell me just I needed to submit more information. Previously I notified Experian of 5 accounts that were identity theft, 3 of them were deleted with no problem but the2 remaining, however, were not and they were ALL listed on the same FTC report, Police report and explanation letter, so I'm confused as to how 3 of the 5 meet standard for deletion but 2 do not. This has been going on sinceXX/XX/2019, when FCRA rules state once an FTC report is issued the bureaus have 3 days to delete the items. I sent inXX/XX/2019 a notarized FTC report, 3 police reports in one named the suspect, a swore letter that the accounts were fraud, however, Experian is the only company I have had a problem with removing these two accounts.

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 2019-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2018, I made a transaction on this site named XXXX  to sell a hoodie for {$620.00} through PAYPAL. He only recently said that it had flaws/was not as described so he tried getting a refund, which I thought was peculiar. 

What was also suspicious was that, on the site that we made the transaction on ( XXXX ), his account had been frozen/banned. Accounts are usually only frozen/banned when someone is trying to scam someone on that website. 

Nevertheless, I was still willing to refund the buyer of all the money paid ( {$620.00} ), if he had sent back the hoodie. However, he only sent me a fake package stuffed with empty boxes inside to try to scam me. I've attached a video of me opening the box that he sent since I was suspicious and knew this was a common buyer scam that exploits PayPal 's policies. The tracking number on the package is the same as the one he sent when he escalated the PayPal claim. 

I have tried escalating this claim to PayPal but they have sided with the buyer. I called several times trying to work this out with PayPal, but they would not accept my video of me opening the FAKE package, or abide by Seller Protection which should have prevented the refund since the buyer did not even send the item back. 

I have time stamps of when the fake package was delivered, and when I opened the video, which was an hour after the package was delivered. I've also screenshotted the weight of my original package, which I'm sure does not line up with the weight of the package the buyer sent me, since it was just empty boxes. 

Please, I am just trying to dispute this since he already has my item, I do not want him to steal my money as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
This is an ongoing issue I have with Wells Fargo. I was charged an overdraft fee of XXXX on an item that posted to my account for XXXX even though my ending balance at the end of the day was XXXX. I had and item pending for XXXX which they include all pending items, even though it did not post in your ending balance. I still had enough to cover all pending and posted items and still charged me an overdraft fee. 

I have had numerous problems with this and have had to get the charges reversed. Some they would not reverse because my ending balance they say was not enough to cover pending charges. This I do not feel is right. If an item has not posted to my account then it should not be included in the totals for the 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 monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Payment was due on XX/XX/XXXX. Beginning XX/XX/XXXX, I started receiving multiple calls. XX/XX/XXXX I received 4 calls ; XX/XX/XXXX I received 6 calls ; XX/XX/XXXX I received 9 calls and on XX/XX/XXXX I received 5 calls by XXXX. Also received two text messages within the 4 days. 
I understand they are trying to collect a payment but 24 phone calls and 2 text messages in 4 days is excessive.

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

Complaint narrative:
In XX/XX/2019 I discovered several fraudulent accounts on my credit report. I notified my local authorities who provided a police report. I showed all the evidence to the police. I also sent an Idenity theft affidavit to the companies and all 3 credit bureaus. Experian sent me a letter dated XX/XX/19 report # XXXX where they claim they have verified the fraudulent information. I spoke with each company who stated they have removed the fraudulent accounts from each credit bureau. The accounts have been removed from all of the bureaus except for Experian. 
1 ) XXXX XXXX XXXX # XXXX {$920.00} 2 ) XXXX/XXXX XXXX # XXXX {$1700.00} 3 ) XXXX XXXX # XXXX Unknown amount

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