vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please remove closed credit card accounts I have tried to have them remove the old charge off accounts or closed accounts that are over 7 years old and nothing has been done all old accounts that are no longer active and are over 7 years old should be removed immediately thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX has sent me a letter saying I am wrong and I sent no backup information. I have sent it twice so instead of working with me.They crushed me on my credit rating. it dropped 137 points in one day and they have me paying late up to 60.days. I have already been turned down on a condo because of this and now I cant even get an apartment with them doing this. Theyhas trashed so many people 's lives look on XXXX, XXXX  which they are not approved. My life has been taken away from me from liars and theyhave been in trouble for this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: KY

Complaint narrative:
The XXXX XXXX credit card that had a XXXX limit was used by XXXX XXXX XXXX while I was XXXX at XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX this can be verified call the XXXX and ask for records. I've disputed this with all companies. Experian is the only one that won't remove this. I've spoke with XXXX XXXX as well, the fraud people there took no time to make a decision that this was not fraud just because I didn't make a police report, well it is hard to make a report against someone who is deceased XX/XX/XXXX XXXX obituary. I did not use the card nor could it be possible for me to use it. Now they want to add {$180.00} in interest and offer me a 60 percent settlement which turns into paying XXXX for a XXXX limit. I'm not paying interest on a card I never used. Every month they report FP failed to pay even though they closed this account and charged it off YEARS ago.

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 2018-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX does not seem to follow industry standard as it does not accept automatic payments to pay statement balances in full. 

I am fortunate enough to not have any credit issues and I am able to pay my credit card balances in full each and every month. Unfortunately, I may not always receive my electronic statements, and I prefer to have my balances be automatically paid from my payment source. 

My electronic statement from XX/XX/XXXXwas filtered as spam. As a result, I was not aware of my balance and I was charged a {$27.00} late fee on XX/XX/18. Additionally, I was charged {$8.00} in finance charges on XX/XX/18. When I became aware of this, I immediately processed a payment to pay the outstanding balance in full. 

XXXX XXXX does not provide an option to automatically pay credit card balances in full. It seems like a sham so that they can increase their collection of late fees and interest charges. This seems to be by design and I'd venture to guess that this bank ( compared to others ) has a higher proportion of its income from credit card fees. 

I have not received an answer from XXXX on why they do not provide the option to automatically pay credit card balances in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
At XXXX I got notifications a XXXX transaction was made for {$240.00}, however I didnt make that transaction and my bank is holding me accountable for it even though I was dealing with a flat tire at that time! Also they said they cant help me. Well they are my bank they have to help me its a transaction to a unknown person Ive never met or heard of I think its unfair.that someone got a hold of my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Hi. Some person i knew got my social security number and birthdate and ran a hard credit check on my credit line. And try to apply for a XXXX XXXX card on my credit they live in XXXX Tennessee that i know they it was an old friend from 10 years ago trick me for my identity because im in the hospital and just had XXXX thank goodness i know how to report this please get back too me on this asap. Thank u.

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 2018-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
The Kohl 's credit card that had a XXXX limit was used by XXXX XXXX XXXX while I was incarcerated at XXXX metro corrections between XX/XX/XXXX and XX/XX/XXXX this can be verified call the jail and ask for records. I've disputed this with all companies. XXXX  is the only one that won't remove this. I've spoke with Kohl 's as well, the fraud people there took no time to make a decision that this was not fraud just because I didn't make a police report, well it is hard to make a report against someone who is deceased XX/XX/XXXX XXXX obituary. I did not use the card nor could it be possible for me to use it. Now they want to add {$180.00} in interest and offer me a 60 percent settlement which turns into paying XXXX for a XXXX limit. I'm not paying interest on a card I never used. Every month they report XXXX  failed to pay even though they closed this account and charged it off YEARS ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01 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: TN

Complaint narrative:
On or about XX/XX/2018 I submitted my first dispute letter, per section 609 of the consumer 's Fair Credit Reporting Act section to each of the major credit bureaus, XXXX, Experian, and XXXX to inform them about the incorrect account reporting on my credit file. There is a total of XXXX negative items that were disputed. 

I did not receive a favorable response from neither of the credit bureaus. I have submitted dispute letters every month since XX/XX/2018 through XX/XX/2018, which totals 8 months and 8 dispute letters. 

The last response letter that I received from Experian stated that the investigation will no longer continue, although I have sent new information to support my claim. 

The last response that I received from XXXX was only a copy of my report reflecting no changes in the investigation process. I requested information regarding how the investigation process was conducted and who verified the accounts, but I have not received a response from XXXX regarding the investigation process. 

The last response that I received from XXXX stated that the information was verified as accurate although NO actual proof was supplied by the collection agencies nor creditors to XXXX. XXXX updated each disputed account with information regarding the credit entry rating, payments made, name correction, etc., but none of the actual information was deleted per my request. The accounts are reporting incorrectly, and should be deleted.

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 2018-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
My XXXX XXXX XXXX XXXX failed to transfer {>= $1,000,000} through USAA wallet to XXXX XXXX XXXX XXXX XXXX and my XXXX XXXX XXXX XXXX is missing {$7700.00} withdrawn from account 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 2018-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX RESURGENT CAPITAL SERVICES L.P. account no.XXXX are wrongfully appearing on my XXXX and XXXX credit bureau XXXX XXXX XXXX the debt buyer for XXXX, ALSO ACCT NO.XXXX.THE ACCOUNTS HAVE BEEN RE-AGED.The correct date of first delinquency is XX/XX/XXXX DAYS LATE.The account was never brought current and was closed by the creditor on XX/XX/2012 when it was 90 days late. 
I have attached both the original creditors reporting to XXXX that have been verified many times along with XXXX XXXX.it is easily seen that the information, though verified as correct reports wildly different between the bureaus and is incomplete on key payment history dates. 
IN two months from today, if accurately reported both the original creditor and XXXX XXXX would age off the report. 
Please note what appears to be intentionally fraudulent reporting by the collection agency and original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was involved and purchased services from a company called XXXX. XXXX is currently being sued by the FTC and has an injunction against them from doing any business or providing any service because the services they provided have been concluded are scams and a fraud. All attempts to contact XXXX for a refund is not available because of a restraining order that is indefinite. 
I have made a dispute claim with the credit card that I used from Bank of America. Bank of America claims to have been in contact with this company even though the court documents prohibit any contact with XXXX or its affiliates. Any contact with XXXX is a direct violation of that court order. Either Bank of America is lying or they or committing an illegal act.

Bank of America also did not provide details of their investigation nor did they provide details of their contacts with XXXX   or why they have denied my claim.

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 2018-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX account no.XXXX are wrongfully appearing on my XXXX and XXXX credit bureau files.XXXX XXXX is the debt buyer for XXXX, ALSO ACCT NO.XXXX.THE ACCOUNTS HAVE BEEN RE-AGED.The correct date of first delinquency is XX/XX/XXXX DAYS LATE.The account was never brought current and was closed by the creditor on XX/XX/2012 when it was 90 days late. 
I have attached both the original creditors reporting to XXXX that have been verified many times along with XXXX XXXX.it is easily seen that the information, though verified as correct reports wildly different between the bureaus and is incomplete on key payment history dates. 
IN two months from today, if accurately reported both the original creditor and XXXX XXXX would age off the report. 
Please note what appears to be intentionally fraudulent reporting by the collection agency and original creditor.

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 2018-10-01 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: CA

Complaint narrative:
XXXX ACCT NO XXXX is reporting wrongfully on XXXX and transunion credit files.the date of first delinquency is XX/XX/XXXX. 
THE ACCOUNT IS RE-AGED.The payment histories between the bureaus are wildly different yet both are consistently verified as correct to the credit bureaus.The account was never brought current and was closed by the creditor in XX/XX/XXXX.It IS if reported correctly 2 months short of 7 years to age off the report.

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 2018-10-01 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: TX

Complaint narrative:
My husband and I have an negative escrow balance of {$9500.00} and an escrow shortage of {$13000.00} with Homebridge Financial Services. Our mortgage continued to increase from {$1100.00} to {$1600.00}.

In XX/XX/XXXX, because of the constant increase in payments, with Homebridge, a loan office by the name of Ms. XXXX XXXX told me about tax deferments, and how they worked. 

Ms. XXXX contacted her XXXX, Ms. XXXX XXXX, who needed something in writing from our XXXX Co XXXX XXXX to this effect ; We got the written communication from the tax assessor and Ms. XXXX gave the go ahead with the deferment. 

Homebridge honored the tax deferment from XXXX to XXXX. During this time, we thought the taxes were being deferred and not considered delinquent. Unbeknownst to us, HomeBridge was advancing funds to cover the taxes. 

We have been in constant communications with Homebridge via email, phone, and certified mailings regarding the situation. We have spoke with Mr. XXXX XXXX out of the XXXX, TX Office on XX/XX/XXXX and several occasions afterwards. 

There have been several communications w/ Ms. XXXX XXXX XXXX VP of Customer Serv. on several occasions via phone, email, phone calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), certified letters sent to Mr. XXXX XXXX, XXXX, Mr. XXXX XXXX, XXXX both on XX/XX/XXXX ; I spoke with Mr. XXXX XXXX, VP on XX/XX/XXXX, all in vain. 

Homebridge sent a certified letter addressed XX/XX/XXXX from Ms. XXXX basically telling me there was nothing to be done to assist w/ our situation. 

Our homeowners ins expires on XX/XX/XXXX ; We changed ins companies and paid the insurance in full for the year. Homebridge in the meantime paid the ins up front a moth in advance, which will increase the mortgage, again. We paid it ourselves to hopefully decrease the mortgage. Now, ins has been paid twice! 

My husband is a XXXX, both of us are senior citizens, on or about to be on XXXX, and on a set income. We are struggling to meet the new increase. We negotiate monthly between buying our medications and making the unaffordable mortgage payment. 


See attachments : We need CFPB 's help!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Cavalry Portfolio Services proceeded to place a collection item on my credit report for their client XXXX without ever sending a notice of right to dispute. I contacted them several times to delete the adversely reported item and they refuse to do so. I requested validating information identifying me as the owner of this account and they have not been able to send me anything that indisputably identifies me as owing this debt to XXXX yet outright placed the item for collection on my credit report. I demand the immediate deletion of this adversely reported item on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
I keep receiving garnishment requests from a company called Glasser and Glasser in XXXX, Virginia for a total of {$2300.00}. The original judgement they obtained without my knowledge is over 10 years old and past the statue of limitations as indicated by statute 801-251 section c, and I also believe they are in violation of the FDCPA and FCRA. They call me when I have asked them not to, I started blocking numbers on my cell phone. When trying to resolve and explain the issue directly with them, they laughed at me over the phone and told me 'good luck with that, we are reporting it on your credit next ', and hung up the phone. I appeared in court in XX/XX/XXXX, and their attorney present told me to contact them or they will just keep taking me to court but they were going to dismiss the case because the garnishee said they will not pay. I tried to explain the situation then to the attorney but he did not want to listen that he is possibly representing a company that is breaking at least one and possibly three laws and we should just drop this completely. Now, I am request to appear in court again for the same thing in XX/XX/XXXX, under the same garnishee and everything else all over again. I tried to request they provide proof from the original furnisher of the debt they claim I owe and they again told me they do not have to, and will not prove anything to me and they will continue to just take me to court and inconvenience me until I pay them. Their words, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: AZ

Complaint narrative:
I submitted a dispute to TransUnion on XX/XX/2018 regarding 5 collection accounts that appear on my credit report that were either paid in full by insurance, services billed for were not actually provided and/or the acct never belonged to me ;. Today is XX/XX/2018 and the dispute remains in " pending '' status. Now there are new/updated collection accounts that do not belong to me in addition to those ALREADY disputed, however I can not dispute the newly added collection accts due to the unresolved dispute still open. It has been over 90 days since the original dispute was issued and my financial situation but is suffering as result of this inaccurate reporting and delayed corrective action on the part of 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 explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
After seeing a report on XXXX credit bureaus, I contacted Common Wealth Finance XX/XX/2018, I  have requested three times since then for debt validation from Common Wealth Finance. They say each time that they have mailed by usps validation of my debt. They say they also emailed to my acct. XXXX validation of dept. I have never receive anything. I believe I do not owe these debts. Two for {$100.00} and one for {$130.00}. I sent them a certified letter asking for validation of debts. They did not contact me by phone, email, or mail. instead they added the debts to another reporting agency, XXXX.

Company response to consumer: Closed with explanation