vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed several accounts on my credit report, all of which I beleive are fraudulent. I have asked for written proof, and not just a statement showing that I owe this money. I have not received any doucmentation. To add insult to injury my credit score keeps going lower and lower.

I filed a complaint with the CFPB regarding all these accounts and one was removed and closed, and the other two were stated as valid. Agian WITH NO PROOF! How do I get this corrected since I firmly state that I do not owe, and no one will provide written proof, but keep saying I owe. I need the CFBP to correct this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Payday loan debt
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: CNG FINANCIAL CORPORATION
State: ND

Complaint narrative:
Threatened to send sheriff to my work to serve me. Called repeatedly after asking to stop and informed them that the debt was not valid. Used abusive language calling me an XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: TX

Complaint narrative:
This is my Second attempt to have the problem resolved. I requested to have Accounts verified that are being reported on my CR. I still have not received any correspondence into the investigation of these accounts.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
ACCT. ENDING IN XXXX CASE # XXXX You informed me that you've already investigated this and sided with the merchant but I would like Capital One to please explain to me how you came to that conclusion in detail because I have provided The Returned guarantee policy copies of it and it's very clear it's very black and white that the merchant did not follow their own guarantee refund policy how are you justifying that? In the information they provided so far everything I've read had to do with the other person in the room I'm not sure what that has to do with anything I'm the one that paid for this hotel room I don't know what the other person in the room has to do with my complaint my dispute if you're going to stand by your decision not to refund the money back to my account you need to give me details as to why because everything I've read that the hotel is provided shows that they are very guilty and they didn't follow their own guarantee refund policy so we can please explain to me why you have decided the way you have and if you don't have an answer then I expect a full refund be issued back to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: TX

Complaint narrative:
This is my Second attempt to have the problem resolved. I requested to have Accounts verified that are being reported on my CR. I still have not received any correspondence into the investigation of these accounts.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my Second attempt to have the problem resolved. I requested to have Accounts verified that are being reported on my CR. I still have not received any correspondence into the investigation of these accounts.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XX/XX/XXXX I received a credit report from XXXX that did not include my mortgage with XXXX XXXX XXXX that I have had with them since XX/XX/XXXX. I contacted XXXX and was told to contact my bank. XXXX  told me to tell the bank to be sure to report the information. I contacted the bank and they assured me that my information was being reported. XX/XX/XXXX I received a credit report from XXXX that did not include my mortgage with XXXX XXXX XXXX. I disputed the information with XXXX and received a reply in XX/XX/XXXX that they had contacted the creditor and they had 60 days to dispute the information.

XX/XX/XXXX I received a credit report from TransUnion that did not include my mortgage with XXXX XXXX XXXX. I contacted TransUnion and was told to contact my bank to report the information. I called the bank and was told they are looking into issue.

My mortgage is from XX/XX/XXXX and with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX   my Loan number is XXXX with a balance of {$70000.00} 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 2018-03-23 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: ACS Education Services
State: NY

Complaint narrative:
This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted ACS/ XXXX/ Conduent regarding my student loan and I have disputed it with the credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. ACS/ XXXX/ Conduent told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
For my birthday, my son gave me a XXXX Debit card purchased from a store for XXXX. I held onto the card until I need to purchase something. I went to use the card approximately 18 months later and only had {$6.00} available on the card. I called up the debit company, XXXX, and made a complaint. They apologized and said it was because of inactivity fee. I did not know when given this card there was in inactivity fee. What, exactly, do they have to do for this fee? 
I feel this is an erroneous fee, almost as a punishment for NOT using your gift. 
I would welcome your assistance in trying to recoup the XXXX they kept from me. 
The card number is XXXX. It expires XX/XX/XXXX The security code is XXXX. 
Their telephone number is XXXX Please let me know if you need anymore information. 
Thank you, l XXXX 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 monetary relief
Consumer complaint received 2018-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In the month of XX/XX/2015 Capital One credit card says that I was 30-60 days late on my payment, The vendor actually sent my bills to a wrong address, and I believe the bill was still being paid ontime this is actually the only missed payment listed negatively on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 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: NC

Complaint narrative:
I have the following errors on my credit, I have tried to handle this directly with Experian but yet still no resolution to remove items off my credit report. Below are the following that need to immediately be remove off my credit report.

REMOVE COLLECTION ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX - {$710.00} XXXX XXXX XXXX - XXXX  - {$260.00} REMOVE INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXX UPDATE PERSONAL INFO : REMOVE BELOW : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX UPDATE Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX   UPDATE EMPLOYER : 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 non-monetary relief
Consumer complaint received 2018-03-23 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: DISCOVER BANK
State: FL

Complaint narrative:
Ref : Acct ending in # XXXX  for a Discover Credit Card is issuing a collection that was original date as of XX/XX/2002. this accpunt is still reporting almost 16 years after the fact. This colcetion was chraged off by creditor over 15 years ago and is still being reported as derrogatory in my XXXX  credit report.

Discover is in full violation of the fair credit reporting act ( FCRA ) Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) as the time has elapsed for this item to continue on my credi and personal history. this is adversely and without merit affecting my excellent credit as of the last 10 years.

I need discover to remove this item as collection from my equifax history immediately and or be penalized by CFPB for violations of FCRA for the past 8 years of reporting eroneously stated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I WAS ON A PAYMENT PLAN WITH THE MORTGAGE COMPANY AND WHEN I CALLED TO MAKE MY PAYMENT IN XX/XX/XXXXAND WAS TOLD THAT I DIDNT HAVE TO MAKE THAT PAYMENT BECAUSE BECAUSE THEY WERE GIVING ALL THERE CUSTOMERS 3 6 ARE 12 MONTHS DISASTER FORBEARANCE DUE TO HURRICANE HARVEY. I WAS GIVEN A 6 MONTH FORBEARANCE WITH NO PAYMENT, BUT INFORMED THEM THAT I WOULD PAY XXXX A MONTH INSTEAD OF NOTHING. I WAS TOLD THAT AFTER THE FORBEARANCE THAT I WOLD RESUME THE REGULAR REPAYMENT PLAN ARE THE WOULD EXTEND THE FOREBEARANCE AN ADDITIONAL 6 MONTHS. AT THE END OF THE FOREBEARANCE I CALLED TO MAKE THE PAYMENT AND INQUIRED WHEN WOULD I RESUME THE REPAYMENT PLAN ARE IF THEY WERE GOING TO EXTEND THE FOREBEARAC E. I WAS INFORMED AT THAT TIME THAT NONE OF THAT WOULD HAPPEN, I HAD TO BRING THE LOAN CURRENT, ENTER INTO A NEW REPAYMENT PLAN THAT WOULD DOUBLE ARE BE FORECLOSED ON. I THEN INFORMED THEM OF WHAT I WAS TOLD AND WAS TOLD THAT WHEN THE FOREBEARANCE WAS GIVEN THE INVESTOR DIDNT KNOW WHAT THEY WERE DOING AND THAT THERE WAS NOTHING I COULD DO. I WAS THEN TOLD THEY WOULD GIVE ME A FLEX MODIFICATION, WAS CALLED ON XX/XX/XXXX AND WAS TOLD THE MOD WAS APPROVED AND I WOULD RECEIVE PAPERS IN THE MAIL. ON XX/XX/XXXX I RECEIVED AN EMAIL SAYING THE MOD WAS DENIED. I THEN NOTIFIED THE LENDER ONXX/XX/XXXXAND WAS TOLD THEY DIDN'T KNOW WHAT I WAS TALKING ABOUT AND THAT IT WAS A FRAUDAUNT CALL. I AM SO CONFUSED, BECAUSE THE CALL DID COME FROM THEM AND I CALLED THEM BACK ON THE SAME NUMBER THEY CALLED ME FROM. THEY FINALLY SAID THEY CALLED ME, BUT SPOKE WITH AN ANSWERING MACHINE. NO, YOU SPOKE WITH ME. I WAS THEN CALLED BY ANOTHER REP AND WAS TOLD THEY HAD USED THE WRONG APPRAISED VALUE TO DO THE MOD AND THEY HAD COME UP WITH ANOTHER VALUE, BUT I HAD TO PAY XXXX  FOR AN APPRAISAL TO GET THAT OTHER VALUE, BUT WAS TOLD THEY MAYNOT USE THAT VALUE. WHY TELL ME THAT THEN. I WAS THEN TOLD THEY WOULD SEND A NEW MODIFICATION PACKGAGE OUT FOR ME TO FILL OUT TO DO A DIFFERENT TYPE OF MOD AND AS OF TODAY XX/XX/XXXX I STILL HAVE NOT RECEIVED IT. REACHED OUT TO THE LENDER AGAIN INREGARDS TO THE MOD PACKGAGE AND WAS TOLD BY A REP THAT WAS NOT AN OPTION FOR ME. REACHED OUT TO FREDDIE MAC THE INVESTOR AND WQAS TOLD THEY WOULD REACH OUT TO THE SERVICER TO GET ME A PACKGAGE OUT. THESE PEOPLE ARE SO RUDE AND NOONE KNOWS WHAT THEY ARE DOING AND EACH STORY IS DIFFERENT. PLEASE HELP ME, I DONT WANT TO LOSE MY HOME, ALL I NEED IS ASSISTANCE FROM THEM TO MODIFY MY LOAN AS PROMISED IN THE BEGINNING

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
OnXX/XX/XXXX, I call American Education Services to talk about lowering my bill or getting a better interest rate. I spoke with someone on the phone stating that because my Loans were current that I had no options, and that I needed to let them go delinquent to get any type of assistance. The following month I called, again I was told, the longer you let it go, the better options you have. I kept letting it go, to see if I could get any help and each time I have been rejected. I even wrote an email to the lender through the company and hear nothing back. I now have a total of {$4400.00} PAST DUE, and spent an hour again on the phone with the company and she again told me there were no options and the past due balance will remain. She advised that I speak with a student loan consolidation company. In total I borrowed {$48000.00} dollars for college. Since 2005 I have been paying my loans on time and have only paid {$15000.00} in the principle balance with {$22000.00} going towards interest! This is on a {$48000.00} LOAN! I have been left with no options but to let this go delinquent because this company refuses to work with me. I really NEED help, I need to get this interest lowered, and get my loans in current status with better assistance. PLEASE help, the only reason I stopped paying was due to XXXX XXXX and having to pay medical bills so that I could keep seeing the doctor. This is urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
This account has been pass from one collection agency to another XXXX just I got me that you are the owner of this 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 explanation
Consumer complaint received 2018-03-23 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: MI

Complaint narrative:
Experian refuse to removed inaccurate information on my account. The only thing that they did was put a fraud alert on the account. I didn't receive any results of any kind.

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 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
I have contacted National Credit Management regarding Account # XXXX  at the address listed below via certified mail on XX/XX/XXXX and XX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) National Credit Management is not bonded with the state of Texas to collect any debt.

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Collection Agency Information National Credit Management XXXX XXXX XXXX XXXX MO XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have try many times to get a hold of the fraud department in this collection. I have never had a credit card with this company before. I have been a Victim of Identity Theft and I'm not getting no were with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX ... there was an unauthorized hard inquiry placed on my credit. I am just now seeing it this year.After contacting XXXX XXXX ... the parent company this XX/XX/XXXX ... they've contacted the subsidiary in which ran my credit : XXXX XXXX. They did the research and found that there's no way I authorized my credit to be ran. They've sent the request to all credit bureaus to have the hard inquiry removed ... Equifax ... XXXX ... nor XXXX have done such. The inquiry is STILL on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX FORD MOTOR CREDIT ARE STILL REPORTING AS AN OPEN COLLECTION AN ACCOUNT THAT WAS FIRST PROCESSED UNDER CHAPTER XXXX BANKRUPTCY PROTECTION AND ACCOUNT WAS LATER SETTLED AND PIAD THROUGH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTORNEYS , XXXX, XXXX XXXX XXXX , XXXX, REF ( XXXX XXXX FORD MOTOR CREDIT V XXXX XXXX ) THIS ACCOUNT SHOULD NO LONGER BE REPORTED AS AN OPEN COLLECTION OR DERROGATORY ACCOUNT AS IT HAS BEEN DULLY SATISFIED. 

XXXX XXXX XXXX XXXX FORD MOTOR CREDIT ARE IN VIOLATION OF FCRA Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation.

Company response to consumer: Closed with explanation