vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-21 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: VA

Complaint narrative:
Disputed item from XXXX XXXX, last year and was removed from my credit report. The account was not mine. Disputed again, somehow it showed up on my credit report again, also asked for a Method of Verification and was ignored. I have no knowledge of this account. I had no Hospital visits in past  years. This is not my account. I have contacted original creditor they can't prove it was my account. This account was disputed last year, and removed from my credit report. Showed up again. Under law the credit bureau is supposed to verify the account before it going on my credit 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 2018-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citicard CBNA. is on my credit report I do not own a citicard cnba

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 2018-06-21 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: LEXISNEXIS
State: GA

Complaint narrative:
I have reached out via certified mail to LexisNexis on XX/XX/XXXX and XX/XX/XXXX to dispute that the Bankruptcy Courts for Georgia do not report bankruptcies to credit reporting agencies. I provided a letter from the United States Bankruptcy Court Northern District of Georgia stating this fact.

I have requested that this information be removed from the LexisNexis report that has a bankruptcy showing. I have not receive any response to either of the letters after giving LexisNexis 30 days to investigate after sending each letter. 

If need, I can provide copies of the letters I sent to LexisNexis, the delivery confirmation of the certified letters and a copy of the letter from the United States Bankruptcy Court stating that they do not report bankruptcies to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have a loan with XXXXXXXX. 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 XXXXXXXX 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 XXXX, XXXX, XXXX and XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

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 XXXX, XXXX, XXXX and XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
COLLECTOR FAILED TO VALIDATE, CEASE COMMUNICATIONS AND IGNORED CEASE AND DESIST ORDERS AND WENT ON MY CREDIT REPORTS ANYWAY. 
HELVEY HAS VIOLATED THE DOOD-FRANK ACT AND NOW WILL BE SUED IN CLASS ACTION EFFORTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: CIT BANK, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
XXXX originally reported the outstanding balance on this loan incorrectly. Now they are incorrectly reporting that foreclosure was started on this loan. I have attached the short sale approval letter as evidence that this home was never foreclosed or foreclosure was ever initiated. I have also attached the HUD-1 showing the home was sold. This was previously provided to XXXX. This was never reported by XXXX XXXX. This was added after XXXX started reporting this loan. This is currently affecting my husbands ability to obtain mortgage approval. 

I am asking that they report the statement " FORECLSR STARTED '' from all credit reports for my husband and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: IN

Complaint narrative:
After applying for a credit card with XXXX on XX/XX/2018 and noticed that a delinquency was reported for Experian. 

I obtained a credit report from Experian on XX/XX/2018 and noticed that a 30-day delinquent account was reported for XXXX XXXXXXXX XXXX for account ending in XXXX. I have previously filed a CFPB complaint regarding this because XXXX XXXX XXXXXXXX closed my account that had a balance and removed any indications that a balance still existed and didn't provide any means to pay the balance. After the CFPB complaint was filed, XXXX XXXXXXXX XXXX had agreed to remove the delinquency report from ALL credit bureaus in exchange for settling the remaining {$25.00} balance. 

This delinquency is still being reported by Experian to this date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

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 XXXX, XXXX, XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: TX

Complaint narrative:
Equifax has repeatedly claimed that they have VERIFIED, that XXXX 's claim in collection as reported on my record, is mine. It is not. Then, they repeatedly claim that it is CERTIFIED correct by XXXX. 
Well, I, CERTIFY that they ( Equifax ) are not investigating the matter. They would have found that until the collection was placed on my record XX/XX/2017, I had never been notified of the claim. That date also falls 2 years and one month after the five charges, to one account, were made.

Furthermore, Equifax, is the only CRA showing five charges from the same original Hospital stay as individual accounts.

Equifax continues to report false and misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Good Day, There has been opened fraudelent checking accounts under my name which resulted on my XXXX XXXX report to become XXXX 1 ) XXXX- Checking account 2 ) XXXX XXXX- Checking account 3 ) XXXX XXXX XXXX- Checking Account 4 ) XXXX XXXX - Checking Account 5 ) XXXX XXXX- Checking Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: DC

Complaint narrative:
XXXX originally reported the outstanding balance on this loan incorrectly. Now they are incorrectly reporting that foreclosure was started on this loan. I have attached the short sale approval letter as evidence that this home was never foreclosed or foreclosure was ever initiated. I have also attached the HUD-1 showing the home was sold. This was previously provided to XXXX. This was never reported by XXXX XXXX. This was added after XXXX started reporting this loan. This is currently affecting my husbands ability to obtain mortgage approval. 

I am asking that they report the statement " FORECLSR STARTED '' from all credit reports for my husband and I.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 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: DC

Complaint narrative:
XXXX originally reported the outstanding balance on this loan incorrectly. Now they are incorrectly reporting that foreclosure was started on this loan. I have attached the short sale approval letter as evidence that this home was never foreclosed or foreclosure was ever initiated. I have also attached the HUD-1 showing the home was sold. This was previously provided to XXXX. This was never reported by XXXX XXXX. This was added after XXXX started reporting this loan. This is currently affecting my husbands ability to obtain mortgage approval. 

I am asking that they report the statement " FORECLSR STARTED '' from all credit reports for my husband and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: DC

Complaint narrative:
XXXX originally reported the outstanding balance on this loan incorrectly. Now they are incorrectly reporting that foreclosure was started on this loan. I have attached the short sale approval letter as evidence that this home was never foreclosed or foreclosure was ever initiated. I have also attached the HUD-1 showing the home was sold. This was previously provided to XXXX. This was never reported by XXXX XXXX. This was added after XXXX started reporting this loan. This is currently affecting my husbands ability to obtain mortgage approval. 

I am asking that they report the statement " FORECLSR STARTED '' from all credit reports for my husband and I.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I received advertising material stating that on XX/XX/XXXX lawsuit is being filed by Cavalry SPV, I have not been served for this matter. On XX/XX/XXXX I received a letter from Cavalry/ XXXX XXXX XXXX XXXX firm about {$47.00}, XXXX owed. On XX/XX/XXXX i responded with a certified letter of denial and a request for validation. I never received a validation of debt from them. Now it looks liked I will be sued by Cavalry. I believe t Cavalry had a window of time to respond and did not. This aleged debt is from XX/XX/XXXX. I am adding that XX/XX/XXXX I received a letter from Cavalry Stating that I owe {$47000.00}, the letter was dated XX/XX/XXXX. Cavalry called me to collect this debt on XX/XX/XXXX ... that's before I received a letter from them. I asked for debt validation and it was never received. I did file a report about Calvary to the Il Attorney 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to disclose bad info on a collection from XXXX XXXX, a company with a very bad reputation in the industry. 
The account was cleared in XX/XX/2016 with a XXXX balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: OH

Complaint narrative:
On XX/XX/XXXX I disputed the bankruptcy on my Experian credit report. On XX/XX/XXXX Experian responded online to that dispute with the statement, " The company that reported the information has certified to Experian that the information is accurate ''. There was no mention of who the company was that verified the information. On XX/XX/XXXX I submitted a " method of verification '' letter in response to Experian 's response so that I could find out what company certified the information. On XX/XX/XXXX Experian responded online to that dispute with the same statement, " The company that reported the information has certified to Experian that the information is accurate ''. Experian did not provide the company 's information that certified the information. Experian has shown to be acting in a dishonest manner regarding their investigation process and response. I've attached documentation to backup the above items and in that attachment I've also included two letter from that U.S. Bankruptcy Court that states they do not report ANY information to the credit bureaus or XXXX XXXX. Since the court does not provide the information then Experian has failed to investigate the information properly as the Fair Credit Act requires.

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 2018-06-21 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Hi Sense XXXX last year I'm doing automatic payments on this two accounts, trying to fix my credit score but first still showing up on my credit history and second balance never change my I wound like to just disappear from my record cause it's been getting taking care off I spoke to my creditor but still the same info not helping my score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Resolve Partners, LLC
State: FL

Complaint narrative:
On XX/XX/2018, I submitted an application to lease a house in XXXX XXXX FL. As part of the application, I agreed to a background and credit check. On XX/XX/2018 a credit/background check was conducted as part of the application. The inquiry into my credit history was a " hard '' inquiry vice a " soft '' one. This type of inquiry is not warranted for a just leasing a home. This type of inquiry is normally reserved when one requests credit in the form of a mortgage, credit card, loan. The information obtained, could have easily been done with a soft inquiry. The difference between XXXX and XXXX is now 22 points. Prior to the hard inquiry, they were the same. I called the company to ask why, and even after discussing the difference between hard and soft inquiries, they simply stated " we do hard inquiries '' They need to stop doing this, and immediately restore to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: RI

Complaint narrative:
discover card : sent bill made the payments, discover card : months down the road prints wrong address on bill, still made automatic, payments discover card : raises interest rate bill payments goes up, all notification letters go to wrong address, automatic payments still continuing.

discover card : fees go wild unknown to me. they call after months.

discover card : corrects address suppose to clear up fees.

Discover card every month clears up fees if I call, five months go by and continuation of late fees go on.

Discover card now says nothing more they can do I have to pay them all the extra fees which added up five months worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Wrote a check from my personal checking account to XXXX XXXX XXXX for the amount of {$4300.00}. dollars to pay my credit card bill for the month. This was the full amount due. My bank statement at XXXX XXXX reflected that Capital One made a {$4200.00}. dollar processing error and only cashed and deposited the check for {$43.00}. dollars which was the minimum due. I called Capital One customer service in which I was told that they could not do anything about it. I had to call back and speak to the Capital One Check Resolution Department which I did. I asked that they send me a copy of the check as my XXXX XXXX XXXX could not provide a copy as it was electronically deposited by Capital One. I needed the copy to balance and resolve my bank statement. They gave me a fax number to which I was to provide the specific check details and they would fax or mail or email the copy of the check back to my attention within 2 business days. I sent this fax on XX/XX/2018 at XXXX XXXX. No reply. So on XX/XX/XXXX, at XXXX XXXX I re-faxed. As on today 's date still no reply. Subsequent phone calls to Capital One customer services reflects that they can not do anything about their non compliance to my faxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
After the XXXX data breach, I put a freeze on our credit information at all three credit agencies. We are now buying a new home and successfully removed the freezes with XXXX and XXXX. ( The mortgage company will only underwrite the mortgage using a consolidated credit report including all 3 agencies. ) Despite many phone calls to Experian and website visits during XX/XX/2018 to the present ( XX/XX/2018 ), we so far have been unable to talk to a live person. 
In my visits to the website, after entering social security number, zip code and the numeric portion of our street address, the automated message said it needed yet more information and told me to mail several documents to a XXXX, TX address. 
One time when I was on Experians website I saw I could upload the additional information. I did this but received no confirmation that the information was received. 
The upshot is we are being held hostage by Experian to get the freeze on our Experian account lifted.

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 2018-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX a letter I sent to Capital One requesting validation of an account was signed for and received. Capital One did respond on time however, they failed to provide to me proper evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to them. In addition I have proof Capital One did not furnish the credit bureaus with the required disclosure, within the period required by law. Capital One is required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/XXXX. I  sent a follow up letter to Capital One notifying them that they had not complied with state and federal laws and it was signed for on XX/XX/XXXX. Capital One 's response was a letter to me asking me for more information such as an account number and full social security number thus proving that they can not validate the account they are reporting. Since Capital One has not been able to furnish orginal signed contracts with my name and has been in violation of state laws I am asking they remove the trade line from all 3 credit bureaus. I have attached copies of letters and receipts from Capital One.

Company response to consumer: Closed with explanation