vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 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 had issues in XXXX and XXXX making my payment with XXXX XXXX XXXX. Due to this issue I had a payment returned. I reached out to the manager to express my wanting to keep my credit with the company good, but needed help due to my payment complications. She advised me of a modification that can be done as long as I make the modification that day. And my credit history wouldn't be effected. I did and asked was there anything else due. Per the email attached, they told me no. Over the next two days I got a email stating my account was 30 days late. I reached out to the office and they stated that they couldn't do anything, even though I was given false info.

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 2019-11-19 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I obtained A Wells Fargo secured credit card at a young age at a time I was not financial literate or responsible thus resulting in me over spending and allowing the account to go to collections. On XX/XX/XXXX I went into a branch and spoke with a woman who stated that if I paid it off in full it would not only close but it would also be removed from my credit. 

As I apply for new credit cards in almost XXXX  with the credit score of XXXX I am frequently denied for this account even though it was paid in full and closed. I have reached out and spoke to them directly and they are stating they will not remove the 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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I signed up for a free trial, then turns out -- it's basically impossible to cancel. They make it incredibly easy to sign up online, but -- unlike every other business I've ever interacted with in the 21st century -- they will not allow you to CANCEL online. You have to call this one number, during very specific hours, during which I, like most people, work. This is an unfair and predatory practice.

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 2019-11-19 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: NJ

Complaint narrative:
I HAVE SUBMITTED PROOF TO 3 CREDIT REPORTING AGENCY 'S THAT COLLECTION AGENCY XXXX XXXX XXXX WAS REPORTING FALSE INFORMATION TO ALL 3 CREDIT REPORTING AGENCY 'S THE DEBT WAS PAID I DO NOT OWE ANY DEBT TO XXXX XXXX XXXX I HAVE TRIED REACHING OUT TO THE 3 CREDIT BUREAUS AND THEY REFUSE TO REMOVE NEGATIVE REPORTING FROM CREDIT REPORTS

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 2019-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: GA

Complaint narrative:
RE : Account Validation To Whom it May Concern : This letter Is in response to your recent claim regarding account XXXX*, which you claim you have verified, such as I owe XXXX! 

You have failed to provide me the copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my wet ink signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau ant the Attorney Generals Office, should you continue in your non -compliance of Federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, ant the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Furthermore, on your behalf to provide a copy of any alleged contract or other instrument bearing my wet ink signature may result in a small claims action against your company. 

I would be seeking a minimum of {$1000.00} in damages per violation for ; -Defamation -Negligent Enablement of Identity Fraud -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX. XXXX   XXXX XXXX, Ga XXXX SSN : XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Avant Credit Corporation
State: PA

Complaint narrative:
Various companies are marketing loans via emails. So I respond to their ad that claims I can check to see what rate I would be able to get based on my record. So I go ahead and inquire, they offer a loan to me which I do not accept. In their marketing pitch, they claim that checking to see what rate I am able to get will not affect my credit report as no inquiry will be involved. Then I get this email from Avant that says just the opposite. This is not fair for an inquiry to show up when they said none would appear. Also, why is my score so low?? I have never missed or been late with a payment in the last ten years. I should have a perfect score really. 

Here is their email to me : Your recent application through Avant has expired Thanks for checking us out. Reapply anytime. 

XXXX, XXXX : An application for a loan submitted on XX/XX/2019 through Avant has now expired, and we can not offer you a loan at this time. 

Avant branded credit products are issued by XXXX, so you may see a new inquiry from these institutions on your credit report. 

We welcome you to re-apply and check your rate with us anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
To Whom it may concern : In XX/XX/2019 I moved to XXXX, the XXXX for a new job. In XX/XX/2019, I lost my wallet. I called all of my credit card companies and reported that I had lost my wallet. With some of the companies, I had no issue getting a new credit card sent to my new address in XXXX and others I had a little more trouble with. Since my TD Bank credit card was one that I had trouble receiving at my new address, I figured that I'd wait until I returned back to the US to pick the credit card up then. 

On XX/XX/2019, I called into TD bank to have my card mailed to my US address so that I would be able to pick it up from my house while home for XXXX. 
Upon speaking with an agent they informed me that TD bank had closed my card and would not be reissuing me a new one. I then spoke to the " supervisor on duty '' who informed me that TD had chosen to not reissue my card due to the card not being used enough. When I explained that I had lost the card when I first moved overseas he simply stated he was sorry and that if I want the card back that I would need to reapply. 

I'm writing this complaint because I believe my card was unjustly shut down. I'm still making payments on the card, I like the credit card and the fact that I haven't " used it in a long time '' seems like a very soft reason to shut it down. Furthermore, how do you expect someone to use their credit card if you don't ship it to their address outside of the country? 

I have the police report from the city of XXXX and will be submitting a copy in order to corroborate this information. Again, I feel as though my credit card account was unjustly shut down and would like to have it reopened. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: RI

Complaint narrative:
I DO NOT owe this debt.. I asked enhanced recovery ( XXXX ) to prove that I owe this debt and to verify it with some sort of original contract but they did not. They sent a bill with a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: PA

Complaint narrative:
I obtained A XXXX XXXX secured credit card at a young age at a time I was not financial literate or responsible thus resulting in me over spending and allowing the account to go to collections. On XXXX XXXX I went into a branch and spoke with a woman who stated that if I paid it off in full it would not only close but it would also be removed from my credit. 

As I apply for new credit cards in almost XXXX  with the credit score of XXXX I am frequently denied for this account even though it was paid in full and closed. I have reached out and spoke to them directly and they are stating they will not remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: NY

Complaint narrative:
In XXXX of 2019, i made contact with XXXX XXXX XXXX XXXX Vice President/ Counsel with the intentions to settle the allege student loan debt by way of debt validation letter. In XXXX of 2019 XXXX sent me a threatening letter stating, they will take my earnings and money in private bank account if i don't pay up. Under duress and fear, I made payment XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 [ see receipts ] to date, XXXX reports inaccurate information, and fails to update their account. In XX/XX/2019, i made payment in full [ see receipts ]. XXXX continues to report inaccurate data, and continue to report the accounts as charge off/ failure to pay ; XXXX   agent XXXX receive notice from me with correct information [ see attachment ] but refuses to correct the record. I want XXXX to stop sharing my private data and information, without my written or express authorization.

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 2019-11-19 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: NY

Complaint narrative:
In XXXX of 2019, i made contact with XXXX XXXX XXXX XXXX Vice President/ Counsel with the intentions to settle the allege student loan debt by way of debt validation letter. In XXXX of 2019 XXXX  sent me a threatening letter stating, they will take my earnings and money in private bank account if i don't pay up. Under duress and fear, I made payment XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 [ see receipts ] to date, XXXX reports inaccurate information, and fails to update their account. In XX/XX/2019, i made payment in full [ see receipts ]. XXXX continues to report inaccurate data, and continue to report the accounts as charge off/ failure to pay ; XXXX   agent XXXX receive notice from me with correct information [ see attachment ] but refuses to correct the record. I want XXXX to stop sharing my private data and information, without my written or express authorization.

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 2019-11-19 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: NJ

Complaint narrative:
I HAVE SUBMITTED PROOF TO 3 CREDIT REPORTING AGENCY 'S THAT COLLECTION AGENCY XXXX XXXX XXXX. WAS REPORTING FALSE INFORMATION TO ALL 3 CREDIT REPORTING AGENCY 'S THE DEBT WAS PAID I DO NOT OWE ANY DEBT TO XXXX XXXX XXXX I HAVE TRIED REACHING OUT TO THE 3 CREDIT BUREAUS AND THEY REFUSE TO REMOVE NEGATIVE REPORTING FROM CREDIT REPORTS

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 2019-11-19 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I faxed my documents to Equifax XX/XX/2019 to prove my identity. I called back XX/XX/2019 approximately XXXX XXXX  to follow up and reached a person name XXXX in Equifax 's XXXX ' office ( as XXXX said ) who first said he did NOT receive my documents, but then said he did. Then he asked me to verify the information on my documents, which I successfully did. 

XXXX then said 'suddenly ' the documents are now NOT LEGIBLE. I asked how is that possible when we just verified the information on the documents. 

I tried to get my credit report before and they constantly create road blocks and obstacles to prevent the consumer from getting access to our Credit Report. I noticed several other consumers have stated the same uncooperative experience on your message board. I have done all that is required to receive my credit report and this is being denied to me. 

I have experienced this same obstacle dealing with another XXXX office with my U.S. student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One has charged late fees in the amounts of {$38.00} and {$27.00} multiple times since the begining of the year, also claimed I missed payments and therefore owed a double payment I've called and talked to them several times finally managed to get a couple charges waived which I didn't need because I didn't actually owe any fees I finally wrote to the dispute address provided by Capital One because I feel my payment amounts, balances, interest rates, my personal credit has become negative and the balance of my account is a fraudulent amount generated by Capital One and the errors made falsely to that account, I requested they review statements from XX/XX/2019 to the most recent and adjust what's incorrect, subtract payments after adjusting balances and mail me a new corrected statement with a balance reflecting actual amounts, as I am still making a monthly payment on time like I have always done, I never intended to default or stop paying Capital One, I did notify them of this, but i'm not willing to be robbed and mistreated, made to feel ashamed, put in a negative way, told they've done what they can and waived late fees for me, and that is all they are able to do, they've explained my statement charges to me, I wasn't always late with payments but that i also wasnt paying required amounts which also allows them to add those fees, basically it's my problem, they had completely helped me, the account is correct, done. I asked, who received the letter I sent, how long before they respond, but it meant nothing and no one is going to acknowledge it because Capital One does not feel they wronged me, they don't care about me, or my feelings, or the way they're negatively affecting my life all i want what's right, it's easy to see who did what and where the fraudulent information started please help me work this out. I have enjoyed my relationship with Capital One but im devastated thinking they cant be trusted, that working issues out with customers isn't policy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received a promotional offer of " 5 % back as a statement credit, up to {$25.00}, now through XX/XX/2019 on purchases you make with your Citi Diamond Preferred Card online. '' I made a purchase on XX/XX/2019 during the promotional period in the amount of {$570.00} and should have received a statement credit of {$25.00}. 

I waited for this credit and never received it. 

I contacted a representative of Citi on Live Chat on XX/XX/2019 and he stated I would receive the credit on my next statement. As of my XX/XX/XXXX statement, no credit has been received.

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 2019-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I was told my lender would defer one payment after I make my next payment, but they refused to do so and I made the payment they requested. Consequently, they are reporting my payments thirty days late.

Secondly, they are charging me fees that I think are illegal in California and I owe the company more now than at the time of purchase after about two years of payments.

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 2019-11-19 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: MD

Complaint narrative:
XX/XX/2018 {$2000.00} credit line, this was a fraud and Ive sent the complaint to the bank and the credit report bureau. My credit score has suffered.

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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
1. 
I NEVER FILED FOR BANKRUPTCY BUT IT IS ON MY CREDIT REPORT AS FILED IN XX/XX/XXXX AND RESOLVED IN XX/XX/XXXX WITH BOTH A CLAIM AND LIABILITY AMOUNT OF {$0.00} 2. 
I WAS NEVER SEEN AT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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 refuse to correct information that has been proven fraud already.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: NC

Complaint narrative:
On XX/XX/2019 an inquiry from XXXX XXXX XXXX Services appeared on my credit report. This inquiry was a result of fraud. It was disputed and removed from my credit report on XX/XX/2019. Later that week, XXXX XXXX XXXX Services was reporting a XXXX XXXX XXXX credit account on my credit report. This account was then disputed and now is being reported as valid by experian. XXXX  and XXXX  have resolved the account and removed it. Experian will not properly assist. If the inquiry was disputed as fraud and removed, what makes you think the account is valid? Please assist.

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