vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 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: GA

Complaint narrative:
On XX/XX/XXXX I submitted the following information to Equifax. 

Equifax XXXX XXXX XXXX , XXXX 
XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX Consumer Center in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Bankruptcy Chapter XXXX in XX/XX/XXXX and Bankruptcy Chapter XXXX in XX/XX/XXXX. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX Consumer Center and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identify Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX I received notice from Equifax that the information was verified with XXXX XXXX however I have a current freeze with XXXX XXXX  which would make that not valid information. Therefore request that this be investigated and the bankruptcy be removed from my report. I have attached documentation to support.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DOAN SOLUTIONS
State: NY

Complaint narrative:
On XX/XX/2019 I contacted Doan Solutions in order to see if I can get help to pay my student loans off through a forgiveness plan since I am a a XXXX worker. XXXX XXXX XXXX ext. XXXX whom I spoke me assured me that a fee of {$990.00} was needed in order to process this contract. She based this fee on how much I owed in loans. I was in need of help, so the payments from my debit card was drafted on XX/XX/19 of {$150.00} then the following payments bi-weekly of {$210.00}. Once that was satisfied then the process would begin of {$84.00} a month for 10 years. They forgave $ XXXX of my loans. Sounded good until I called XXXX on 3/11/19 and the rep said I could have done all this for free no charge and with the same type of program I was looking into. What she didn't tell me that since she only needed my income not my husband 's. When I spoke to XXXX they said that would hurt me later on if I had been audited ( IRS ). So therefore I stopped all payments drafted from my account, and will deal with XXXX personally. I think this is a malicious thing to do to people who need the help and are desperate to get a better payment option. Requesting all fees paid to be refunded.

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 2019-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consolidated Recovery Group, LLC
State: WA

Complaint narrative:
I checked my credit report and there was a debt collection account that showed up that appeared to be a debt that was well over 7 years old. I disputed it with the credit bureaus and it came back as " verified. '' Since I never received notification from this company, I sent them a debt validation letter and dispute letter to the address listed on my credit report. 
The letter was returned un-deliverable by USPS, it says the building is vacant. So the address listed on the credit report is 100 % inaccurate. How did the credit bureaus " verify '' this account if it's not possible to get hold of them via mail? 
This company is reporting debt that is over 7 years old, their contact information is not correct on my credit report, so it's impossible for me to reach them to deal with this matter. This is not legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Finance of America Mortgage LLC
State: CO

Complaint narrative:
I received a supposed line of credit from finance of america and the changed the terms from XXXX % to XXXX   %, the origination fee was to be prorated as money was pulled, they changed it to a hard loan with paying interest on the full loan amount, not money being used. The agent I was dealing with is XXXX XXXX XXXX. I did not close at a title company so they explained the documents. they sent out a notary who had a hurried next appointment who just had me sign sections, so I had no time to read the contract. 
pure fraud changing terms without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was behind on payments I spoke to Capital One and asked them if we can do a payment plan till I could catch up They put me on a program and they set up auto withdrawls for the payments so it would not be late, They have taken the payments on the XXXX of both Months XXXX and XXXX and still reported us late to the credit bureau. I have called numerous times and they all say no we didnt report you late and when they stay on the phone longer they - we dont know why this happened - write a letter - that is the only way to fix it. 
I wrote a letter and send it and they have not fixed the problem I have asked them for a letter to show that the payments were made on time they tell me they cant do that and will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I submitted a complaint to the CFPB on XX/XX/XXXX about TransUnion and their erroneous reporting of two accounts on my credit report. On XX/XX/XXXX, I received a response from the CFPB website that TransUnion had forwarded my complaint to their consumer relations center for processing. They stated, '' You will receive your results within sixty ( 60 ) days from the date you submitted your complaint to the CFPB. '' It is now XX/XX/XXXX, and I have received no response to my complaint from TransUnion.

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 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reporting 2 incidents of identity theft that appear to be related. 

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, IN XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, IL XXXX 2. XXXX XXXX, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX ( an XXXX  company ) on XX/XX/XXXX that that the balance of {$970.00} has been reported by XXXX as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around 740 before ). This has impacted my ability to get the best rate on an auto purchase ( the lender increased the rate by 1.00 % after 10 days from the purchase date ). 

I also received a response from XXXX regarding my dispute that above mentioned XXXX account is still scheduled to continue on record until XX/XX/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 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reporting 2 incidents of identity theft that appear to be related. 

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, XXXX XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, XXXX  XXXX 2. XXXX XXXX, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX ( an XXXX company ) on XX/XX/XXXX that that the balance of {$970.00} has been reported by XXXX as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around 740 before ). This has impacted my ability to get the best rate on an auto purchase ( the lender increased the rate by 1.00 % after 10 days from the purchase date ). 

I also received a response from XXXX  regarding my dispute that above mentioned XXXX account is still scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted an investigation request to Equifax on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Hello, I am a us citizen who lived there up until my father got sick and passed away. He left me problems in XXXX and I had to go there to take care of it legally. It took years of straggling! In the mean time I met the father of my children and I have kids there, I sold my property in XXXX legally through an escrow company, I have paid all my taxes from the sale, and now I wish to buy a condo where I stay with my kids which is currently not in XXXX or the us. I was explaining this to my branch and no one seem to know how to help me and they kept me on hold for hours without a proper answer! I had sold my property legally and I wish to recieve my funds in my XXXX XXXX branch. I have all the details and documents that are necessary for this transaction- but still, I can not have a home where I am currently residing since my money is kept hostage by Wells Fargo bank! My branch explained I can transfer {$5000.00} a day! I have XXXX in my account and every transaction costs a fortune! This is more then an outrage and a very bad way to take advantage of an international customer. 
I would appreciate your prompt respond on this matter.

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 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: MA

Complaint narrative:
They said that it was for my protection when I called and claim. I am in the process of moving from XXXX and I am seeking for an apartment. I lost my bank card in XXXX and I requested a new card and after I received it, I lost it again. Therefore, I request another one and when I went to use it then it was blocked. I asked if I can get it activated so they requested the id picture that I already faxed to them and so did a case manager and yet they gave me a hard time getting my XXXX card from XXXX XXXX. They keep telling me that they have not received what case manager claims to fax and what I have email confirmation of sending. I need to use my telephone and have no service due to the matter and other inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC
State: MI

Complaint narrative:
On XX/XX/18 XXXX accessed my credit report fraudulently. They received my information from XXXX XXXX. XXXX XXXX has since sent letters stating that the information to XXXX was sent in error and to remove the inquiry. I also, sent 2 letters and called to inform them that access to my credit was not authorized. I was not seeking lending from their company. Furthermore, I have an active fraud alert that states that I must be called to verify all applications. At no point did XXXX call me to verify the legitimacy of the information they received. This is a violation of US Code. I stated this in letters and via telephone and they refuse to acknowledge their error and remove the inquiry.

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 2019-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I have an account with a collection agency named SW credit systems that was placed on XX/XX/2018. Account # XXXX. This account is apparently a satellite dish service that does not belong to me. The original creditor lists as XXXX. I have never had satelite services.The account is showing a balance of {$720.00}. I have disputed this twice now. The only response I have ever received is a bill. I have asked for original documents that I would have signed or a copy of my identification. The only thing I have ever received back was a bill and them stating the account has been verified. If there is anything you can do to assist me in the matter I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Hunt & Henriques
State: CA

Complaint narrative:
Hunt and Henriques has furnished a lien on our property and is aggressively attempting to collect on the debt that was included and discharged in BK chapter XXXX back in XX/XX/2011 ... When trying to resolve this I called Hunt and Henriques with NO luck nobody ever answers the phone line, I written to the address on file 4 letters since XXXX of last year with NO response from them. Then I went to their office location only to be escorted out stating I could not be there and they would call the police for transpassing this is a public property it is an office building how is it even legal to make these statements. Now my wife and I are getting calls at work and at my parents house from them demanding a payment in full for this case # XXXX I can never get ahold of an individual to speak to. We only get threatening messages left on our phones with calls at XXXX or close to XXXX as well as left with my assistant at work. this is ridiculous I should be protected under bankruptcy code. Attached please see proof of bankruptsy and a proof of this originally XXXX bank account and hunt and henriques furnisher of this judgement included in the bankruptcy. I seek release of this judgement immediately or I will go to attorney general 's office to see further remedy on this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Today XX/XX/2019, I called XXXX XXXX to get a balance on a credit account I have with them. It was in Collections and the balance is paid off. I arranged to pay off the account and we came to an agreement. The company told me what amounts I had to pay. I made 2 payments, {$200.00} in XX/XX/2019, and this weekend the second payment was taken out of my account for {$120.00}. After the second payment was made I asked the lady would this bring the account to {$0.00} balance? She said yes. I want to close the account and XXXX XXXX now says I owe {$6.00} and change. They are changing the original agreement. I do not remember the lady I originally talked to in XXXX who took my first payment but the person I talked to today was named XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was behind on payments I spoke to XXXX XXXX and asked them if we can do a payment plan till I could catch up They put me on a program and they set up auto withdrawls for the payments so it would not be late, They have taken the payments on the XXXX of both Months XXXX and XXXX and still reported us late to the credit bureau. I have called numerous times and they all say no we didnt report you late and when they stay on the phone longer they - we dont know why this happened - write a letter - that is the only way to fix it. 
I wrote a letter and send it and they have not fixed the problem I have asked them for a letter to show that the payments were made on time they tell me they cant do that and will not 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 2019-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: OR

Complaint narrative:
Repeated calls for last month. Every day we get a call from Allied Interstate at XXXX XXXX. If not at that time, we will receive a call at XXXX or XXXX XXXX. No message left. We are debt free. We feel they are looking for someone who had our phone number and is behind in payments. The company should do their homework before the place these annoying calls to innocent people.

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 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Today, I was trying to transfer my membership points to my XXXX XXXX account. But facing the issue like this : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Seems my 1st payment was due on XX/XX/XXXX ... it was mailed well before XXXX and with adequate time to get there on the XX/XX/XXXX ... however the payment got there but was not posted untilXX/XX/XXXX and Pay Pal stuck a 30 buck late fee on it ... once again ... while looking over my statement I find another late charge for XXXX bucks ... this one was for XX/XX/XXXX payment ... despite being mailed with on time they did not post this payment until XX/XX/XXXX ... I make all my payment on time and most well ahead of schedule but somehow I think I am being screwed here ... I don't do business like this and something is amiss here ... and unlike other accounts there is no grace period for anything with 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 explanation