vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2018 an inquiry was pulled on my TranUnion Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to Trans Union on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent TransUnion a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving TransUnion ample time to correct the error, I called TransUnion again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, TransUnion refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, TransUnion knows to the date of the inquiry on their records and can clearly see the information matches in Chases letter. 

I should not have to jump through hoops to get TransUnion to to do their job and TransUnion should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with TransUnion using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

TransUnion refused to reinvestigate.

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 2019-02-25 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Good afternoon. On XX/XX/XXXX, I requested an US {$3000.00} online balance transfer from my XXXX XXXX Mastercard, operated by Barclaycard, to be credited on my XXXX XXXX Visa credit card. The credit requested was never received, but charged to my XXXX XXXX card. Fifteen ( 15 ) days after, on XXXX XXXX, I called Barclaycard Customer care dept. and requested to cancel the transaction because still wasnt received. They said that I would get response within 15 days. On XX/XX/XXXX, Barclay Customer care dept. wrote me the case No. XXXX was open but will take 30-60 days for solution. On XX/XX/XXXX, Barclay wrote me that a manager would contact me, but that also never happened. 

On XX/XX/XXXX, I made a complaint to CFPD, number XXXX and, as a result, the amount of US {$3000.00} was voided from my account, by Barclaycard. 

But after that, for my surprise, On XX/XX/XXXX, the same amount of US {$3000.00} was re-charged by the same amount and concept of transaction posted originally XX/XX/XXXX. Then, I made a new complain to Barclaycard on XXXX XXXX, XXXX. On XX/XX/XXXX, Barclaycard recognized the error by e-mail, and created a new case that would take 7-10 days to be solved. Recently, responding my e-mail sent on XXXX XXXX, Barclaycard Customer Care dept. wrote that a case has been opened for me, reference number XXXX, and that they have began a new investigation, wich can take up to 45 days. Naturally, I dont trust them.

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 2019-02-25 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: IL

Complaint narrative:
After sending information to verify myself with my disputes by means of a Credit Repair Organization ( XX/XX/2018), Experian has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX  never late XXXX XXXX never late XXXX XXXX  not mine XXXX XXXX XXXX XXXX XXXX  XXXX  {$580.00} not mine

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 2019-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT.AND I'VE TRIED TO REACH OUT TO CREDITORS AND NOTIFIED THEM THAT THESE ACCOUNTS WERE OPENED UP FRAUDULENTLY. I'VE ALSO ASKED THEM TO GIVE ME A COPY OF ALL THE INSTRUMENTS USED IN OPENING UP THESE ACCOUNTS AND NOBODY HAS REACHED OUT TO ME. BELOW ARE A LIST OF THE FRAUDULENT ACCOUNTS I NEED REMOVED.

FRAUDULENT ACCOUNTS 1 ) KOHLS DEPARTMENT STORE -AMOUNT XXXX -DATE OPENED XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX -AMOUNT {$5900.00} -DATE OPENED XXXX/XXXX/XXXX 3 ) XXXX XXXX XXXX XXXX -AMOUNT {$3800.00} -DATE OPENED XX/XX/XXXX 4 ) XXXX XXXX  -AMOUNT {$460.00} -DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes by means of a Credit Repair Organization, Transunion has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below XXXX XXXX   ****XXXX not mine XXXX/XXXX ****XXXX never late

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 2019-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
NOTICE- Step 2 of 5 gives me limited choices, the only reason for my choice in step 2 is that it closely refers to my situation by way of credit report. To explain on XX/XX/XXXX I purchased a XXXX XXXX at XXXX XXXX in CA from XXXX XXXX, the commercial vehicle manager. He requested info about my LLC as well and I was certain this was a commercial lease. Regardless, the problem that followed was I found the XXXX to be unstable it was a basic XXXX XXXX, my test drive at Nissan was not on the freeway but around the dealership. So driving it on the freeway was a horrendous experience. Emailed XXXX XXXX. He advised bring XXXX in for inspection. Upon inspection he claimed " there is no problem '' yet a third party mechanic found the issue, Nissan was not willing to work with me, I decided to return the vehicle, voluntary surrender. On XX/XX/XXXX I received certified mail " Notice of right to reinstate contract and redeem vehicle ''. ( having discussed with third party mechanic, I decided to accept offer, have the repair done privately and save my credit ) so I accepted the offer by signing and section " E '' - right to request extension of time to reinstate contract or redeem " which gave me an additional 10 days plus the standard 20 days from date of notice XX/XX/XXXX ( which was weird since I only received the notice on XX/XX/XXXX but I knew this gave me ample time for Nissan to work with me and promptly mailed off the acceptance via certified mail and extension to the address XXXX XXXX XXXX, XXXX XXXX. During this time I was never late and attempting to reinstate my contract but Nissan failed to honor the offer to reinstate. The certified mail with my acceptance to reinstate was delivered to Nissan well before deadline. The certified mail tracking confirms this. Why then was I told by XXXX XXXX on or around the XX/XX/XXXX that " its too late the vehicle is sold? I advised that I received a notice to reinstate but he said no the vehicle " is gone '', no offer to make ''. Did Nissan have any intention to reinstate or did they send out the notice as a pretext to comply with state law since I was never delinquent on the auto payment? I am utterly disappointed and I need clarification as to what went wrong? Why was Nissan so  quick to report on my credit while in negotiations with me to reinstate? Why was the vehicle sold on XX/XX/XXXX, per the notice dated XX/XX/XXXX I received from Nissan?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2018 an inquiry was pulled on my XXXX Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to XXXX XXXX on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent XXXX  a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving XXXX  ample time to correct the error, I called XXXX  again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, XXXX  refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, XXXX  knows to the date of the inquiry on their records and can clearly see the information matches in XXXX letter. 

I should not have to jump through hoops to get XXXX  to to do their job and XXXX should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with XXXX  using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

XXXX  refused to reinvestigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: PA

Complaint narrative:
On XX/XX/2018 an inquiry was pulled on my XXXX Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to XXXX XXXX on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent XXXX  a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving XXXX  ample time to correct the error, I called XXXX  again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, XXXX  refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, XXXX knows to the date of the inquiry on their records and can clearly see the information matches in XXXX letter. 

I should not have to jump through hoops to get XXXX  to to do their job and XXXX  should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with XXXX  using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

XXXX  refused to reinvestigate.

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 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I DO NOT KNOW THIS COMPANY. IT A SOME SORT OF COLLECTION AGENCY. 
I DO NOT WANT TO DEAL WITH THEM AS INFORMATION IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: Navient Solutions, LLC.
State: OK

Complaint narrative:
My name is XXXX XXXX and I am one of the millions of people that Navient has taken advantage of. When I was XXXX and fresh out of high school they used my fathers income to take my loans out. Now after college, I don't make nearly as much as my dad does because he was there for almost 25 years at that point. I am going broke trying to make my payments. I do not want to go defer/fb because what if I need that for an emergency. 

I have tried and called so many times to have someone help me and no one ever does. I cant afford to live or enjoy anything because my private student loans take up all of my brain power and my paycheck. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
For the last 7 days ( approximately ), XXXX XXXX calls over 15 times each day to contact " XXXX XXXX, '' starting around XXXX, with an automated message. XXXX XXXX does not live here and we do not know any such person. I responded to the automated calls to report that this is the wrong number. They continued. 
Then I received a voice mail from " XXXX XXXX '' with a phone number and extension. I contacted XXXX XXXX at XXXX, and told her they had the wrong number. I continued to get the automated calls. I called XXXX XXXX back and she said there is nothing she can do if there are multiple accounts for this person. She was very evasive with any other information as to how to stop the calls. I informed her that I was going to file a complaint. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: CORELOGIC INC
State: TN

Complaint narrative:
I have requested a copy of my annual free report on multiple times and XXXX XXXX has failed to comply. I sent a notarized request at the beginning of XXXX to which they responded by mail stating they needed a copy of my utility bill and state Id. I faxed over that information the utility bill had previous and current address on it and they sent me another letter stating to give them a call. I did and verified name, birthday, social security number and address again. The customer service rep stated they got my fax but it didn't have my current address on it. I asked to speak to a supervisor and spoke to XXXX who didn't even seem to understand my call. At first he said he did not have the information that I just requested and then after pushing the conversation he said my ID was not legible. The inconsistent information that I have received is unprofessional and irresponsible. I have sent as stated above more than enough information to validate my identity. There continued failure and violations of my rights is unacceptable and may lead to other legal avenues if not resolved immediately.

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 2019-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Repossession expense totalling {$3700.00} I have contacted Westlake Financial various times asking for an explanation. My husband had an accident on XX/XX/XXXX and passed away while driving, the vehicle was a total loss. I informed XXXX, my insurance agent and they immediately paid off the car but we did not have Gap insurance and therefore a balance of {$3800.00} remained unpaid ( please see attached payment history ). I immediately called Westlake and they informed me that I could continue making monthly payment until account was paid in full, I have made monthly payments every month since XXXX. In XXXX, XXXX I noticed an " unpaid other fee '' of {$1000.00} I immediately emailed Westlake inquiring about fee, I later received a letter in the mail ( see attached letter from Westlake ) where they explained they were charging me this fee because those were fees charged to Westlake from a third party vendor for removal and disposing of car. In my XXXX, XXXX statement the " unpaid other fees '' went up to {$3700.00} I again contacted Westlake and this time I spoke to XXXX XXXX & XXXX XXXX ( Supervisor ), they both informed me the car was still at an auction and as long as the car was not sold I would continue to pay the monthly fee. I called XXXX & XXXX sent me & Westlake proof ( see attached ) that XXXX had picked up the car in XXXX, XXXX paid whatever was due and XXXX sold the car XX/XX/XXXX ( see attached proof from XXXX ).  XXXX XXXX told both me and the representative from XXXX they would escalate the case and I would have an update in 24/48 hours. Last conversation took place XX/XX/XXXX, I have called several times and each time I get someone else on the phone and keep getting the runaround. Westlake said these were third party vendor fees, I asked them for receipt and they said they did not have available. Please help I don't know what else to do. 
Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have a >XXXX  FICO score, no derogatory marks, and applied for a Capital One Savor Credit Card on XX/XX/19. I was rejected. I later received a letter stating it was because I applied to too many credit cards. 

I received a mailing on XX/XX/19 with a special pre-approved offer for a Capital One Venture card. Since I had just been denied the Savor, I called Capital One on XX/XX/19 to verify that this was in fact a pre-approval offer, as nothing had changed in my credit history in last few months, so there is no reason a pre-approval should be denied. The customer service representative took my Reservation # and Access Code for the offer, and verified that it was in fact a pre-approval offer. I said thank you, and that I would apply online. 

I then applied online and was rejected. I can say with confidence, as I monitor my credit every 7 days, that nothing in my credit report has changed, and I haven't applied to any new credit cards in the last several months -- the window in which this pre-approval would have been generated. I spoke with a manager in their customer service department, who said this preapproval would have been generated by a screen sent within the last 2 months. He said there was no way to reconsider my application, or reverse the hard credit check. 

I feel that I was baited into having an unnecessary credit pull on all 3 major credit monitoring agencies, thereby negatively affecting my credit. This is irresponsible and predatory behavior. It would be one thing if my credit situation had changed. The fact that it had not, and my credit remained top tier at the time of application, is evidence that their " pre-approval '' claim is deceitful and fraudulent. The application terms also say nothing about having applied to too many credit cards being disqualifying.

Company response to consumer: Closed with non-monetary relief