vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments for XX/XX/XXXX-XXXX XXXX, XX/XX/XXXX, & XXXX- XX/XX/XXXX my Capital One account. 

I want you to know that I understand my financial obligations, and if it werent for due to unemployed and many financial hardships, Id have an excellent repayment record. I made a mistake in falling behind, but since then I have created and a strict budget plan and have a better paying job. 

Im planning to apply for auto loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment listed above. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information is not accurate. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX There are phone numbers that are not mine that I need removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information is not accurate. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX There are phone numbers that are not mine that I need removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2018-09-02 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: AZ

Complaint narrative:
XXXX XXXX changed the status of an old account from closed to open as retaliation of my dispute i XX/XX/XXXX. also the information they provided as proof of debt is not sufficient, I requested copies of any charges I made with said car, and all they have is an old letter from XX/XX/XXXX from the original creditor telling me that I am 6 and 7, months behind on the account and that it is charged off. this does not verify it is my account and the same letters are showing the account as being charge off, yet no evidence that I used this card or have knowledge of it as I currently have accounts with XXXX XXXXXXXX. So it is reporting by XXXX as open yet on my credit file in XX/XX/XXXX and XX/XX/XXXX they reported it as closed, so now they are trying to retaliated against me as they he promised to cease all collection activities on this account thus as it is uncollectible it should be reported as closed as it was before I disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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: AZ

Complaint narrative:
XXXX XXXX changed the status of an old account from closed to open as retaliation of my dispute i XX/XX/XXXX. also the information they provided as proof of debt is not sufficient, I requested copies of any charges I made with said car, and all they have is an old letter from XX/XX/XXXX from the original creditor telling me that I am 6 and 7, months behind on the account and that it is charged off. this does not verify it is my account and the same letters are showing the account as being charge off, yet no evidence that I used this card or have knowledge of it as I currently have accounts with XXXX XXXXXXXX. So it is reporting by XXXX as open yet on my credit file in XX/XX/XXXX and XX/XX/XXXX they reported it as closed, so now they are trying to retaliated against me as they he promised to cease all collection activities on this account thus as it is uncollectible it should be reported as closed as it was before I disputed it.

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 2018-09-02 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: Credit Karma, LLC
State: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX We were on a 3 month Forbearance Plan Agreement of {$1400.00} all three payments were made on time. Modification paperwork started XX/XX/XXXX and went thru XX/XX/XXXX. 
doing this time no payments were required per bank rules. We received a copy of our credit report in XXXX and found that our credit showed negative credit reporting for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX has nothing although the payment was made on time. I called and spoke to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX all of whom work in the credit department at XXXX and all who refuse to help. This is a new way of keeping us slaves to XXXX. The modification is intended to help us make affordable payments while going through hardship instead XXXX has raised the payments higher than before. I am unable to work due to my caring for my XXXX XXXX  XXXX Veteran spouse and XXXX don't give a XXXX XXXX XXXX! Our payments are now at {$2200.00}. Because of the negative credit reporting from XXXX we can't move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In XX/XX/2018 I sent {$800.00} through XXXX to an owner of a beach house for XXXX XXXX weekend. XXXX was affiliated with my bank that Ive been with for over a decade, Bank of America. I honestly never even thought twice about it because I trusted my bank. Ive always had a great relationship with them, and always felt safe. Today- XX/XX/18, I drove hours away with my XXXX small daughters, showed up in XXXX XXXX, SC to a real house, which was occupied, and after speaking to the current guests realized I had been scammed. I even called the real owners of the property and they said this guy had done this before, stolen pictures and rented their house. He covered a his bases as a true scam artist. I sat on the beach for HOURS on the phone with Bank of America and they said there was absolutely nothing they could do. It was extremely devastating and difficult to see my XXXX girls so upset that we had no place to stay. The {$800.00} hurt us to lose. Every penny is accounted for as I am in XXXX XXXX, living on loans, and not working as school doesnt allow it. Bank of American definitely disappointed me. If youre going to affiliate with XXXX, please be willing to help out customers who have been loyal and not abused the system! We are struggling with the loss of trust, our last vacation of the year, and feelings of hurt. All we want is a refund. I have the emails, the link to the listing, and even a receipt this guy gave me. Im not making this up! We are so devastated. We just want a tiny piece of mind back after being essentially screwed over. Please help us. Thank you.

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 2018-09-02 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: TX

Complaint narrative:
Good evening. I am not happy with Equifax. I have disputed numerous of items to include inquires and I am having difficulties getting answers from Equifax. It has been more than 30 days and I have not heard anything. There website is not wotking and has not been working for quite some time. I spoke with someone whom stated that there system is down and has been for quite some time because the system is updating. It is a hassle to deal with them while there system is down. I have not been notified of any statuses on any of my disputes. I want all items disputed to be deleted. You can not trust Equifax 's records are accurate with all mishaps and breach issues. I have attempted to check status of my own disputes and keep getting an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I bought my husband a watch from a company called XXXX XXXX for {$190.00} on XX/XX/2018. My husband didn't like it so I returned it promptly to the same address it was shipped. I sent it by XXXX to XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. It was received by XXXX XXXX on XX/XX/2018 and accepted by an employee name XXXX. The XXXX Tracking number is XXXX. 
After not hearing from the company I contacted them and they told me I should have got an RMA number when returning the watch. Unfortunately, I had already returned the watch to XXXX XXXX and as the Tracking Detail shows, they have it. 

Since I returned the watch and did not receive a refund, I disputed the charge with Citibank whose MasterCard credit card I used to purchase the watch. They assigned me a dispute number XXXX. 

It's important to note, Citibank failed to provide a copy of the merchant response to me. Their documentation said it was attached but it never was. I contacted Citibank several times asking for the response and their agents told me that they didn't know why it wasn't included but would send it to me. Citibank never provided this information to me. 

On XX/XX/2018, Citibank said they could not give me a credit because I had not followed the companies return process. 

This action by Citibank is unfair in that they are charging me for a watch I do not have but the merchant XXXX XXXX does ( see Tracking Detail ). Their actions also must have violated federal banking regulations in that they never provided me the merchant 's response and thus deprived me of an opportunity to respond to the merchant 's response.

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 2018-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
On XX/XX/2018 I sent US {$100.00} to my cousin in XXXX using the services of Western Union.  For this transfer I paid US {$8.00} transaction fee. The recipient was unable to receive the money on XX/XX/XXXX despite presenting the correct tracking number ( # XXXX ) and the valid government-issued ID. The recipient was told that the information about the transaction was not in the system. On XX/XX/XXXX I contacted Western Union by phone and was told that Western Union does not know the reason for this problem. They suggested that the best course of action would be to send me back the money so I can re-send. WU also agreed to return the transaction fee. 
On XX/XX/XXXX I went to WU branch in XXXX MA to receive the money and was able to get back US {$100.00} but not the transaction fee. Despite spending there more than an hour I never got the clear explanation why the transaction was not completed and why the transaction fee has not been returned

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
Applied for forbearance. Haven't missed a payment in XXXX years. During the process they hit me with a late payment on my credit. 
Lender is BB & T

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 2018-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: CA

Complaint narrative:
I received a written collection notice from a 3rd party related to a membership with XXXX XXXX XXXX on XX/XX/XXXX. This is the first time I have received any written notice regarding a balance due with XXXX XXXX XXXX. The membership contract for this gym had expired several years ago and I have not entered into any new contract with this gym nor have I access any of their facilities since XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have hard Inquires on my credit report, that I did not authorize. Hard Inquires such as XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX. ( XXXX XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries. Fraud alert has been placed on my report four times. One time in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Identity theft has also played a part in unauthorized inquiries and accounts. Accounts such as XXXX, XXXX and XXXX XXXX is identity theft and should all be taken off my credit report. Letters of the law have been sent to all three bureaus ( Equifax, XXXX and XXXX ). At this time, Iinvalidated information on my credit report to any of the 3 major Credit Bureaus ( Equifax, XXXX or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, reporting false information is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney Generals office. Civil and criminal claims will be pursued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
I was unaware of these debt many to ex wife debt. I am divorce and need these joint debt collections off please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have hard Inquires on my credit report, that I did not authorize. Hard Inquires such as XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX. ( XXXX XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries. Fraud alert has been placed on my report four times. One time in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Identity theft has also played a part in unauthorized inquiries and accounts. Accounts such as XXXX, XXXX and XXXX XXXX is identity theft and should all be taken off my credit report. Letters of the law have been sent to all three bureaus ( XXXX, Transunion and XXXX  ). At this time, Iinvalidated information on my credit report to any of the 3 major Credit Bureaus ( XXXX, XXXX or TransUnion ), this action might constitute fraud under both Federal and State Laws. Due to this fact, reporting false information is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney Generals office. Civil and criminal claims will be pursued.

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 2018-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have hard Inquires on my credit report, that I did not authorize. Hard Inquires such as XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX. ( XXXX XXXX ), XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries. Fraud alert has been placed on my report four times. One time in XXXX, XXXX, XXXX and XXXX. Identity theft has also played a part in unauthorized inquiries and accounts. Accounts such as XXXX, XXXX and XXXX XXXX is identity theft and should all be taken off my credit report. Letters of the law have been sent to all three bureaus ( XXXX, XXXX and Experian ). At this time, Iinvalidated information on my credit report to any of the 3 major Credit Bureaus ( XXXX, Experian or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, reporting false information is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney Generals office. Civil and criminal claims will be pursued.

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 2018-09-02 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: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
XXXX is reporting an account named Planet Home Lending on my report as having a current status of 120 days past due when it should state closed and paid and they are showing account 120 days past due in history on XX/XX/XXXX. This account was closed XX/XX/XXXX so how is this possible after filing complaint with CFPB and waiting 30 days a response was sent by Planet home lending saying they arent reporting XXXX is and its XXXX responsibility to correct taking NO blame for negligent reporting but they stated they received a dispute prior to this and confirmed account so they confirmed these things then. Now XXXX  sends me new investigation results dated XX/XX/XXXX and once again Planet Home lending confirmed current staus of a 2 year closed account as past Due 120 days and show it past due on XX/XX/XXXX. This is rediculous. In mean time I am the one suffering because of this gross negligence of both parties XXXX and Planet Home Lending. I dont want to hear its not our problem from Planet Home Lending its XXXX  because XXXX just sent them in XXXX another dispute and asked them to confirm and the XXXX  ( Im sorry I say as I see ) including the guy who responded back to last complaint confirmed everything asked to this includes current status being 120 days past due and the past due occured XX/XX/XXXX some 2 years after account was already closed. So what will Planet Home Lendings excuse be now? What will XXXX  excuse be. like 2 peas in a pod both incompetent XXXX. Im not looking for any investigation as I have wasted a year with this account already. Both XXXX and Planet Home Lending have exactly 15 days to either remove account or correct to show current status paid and to remove the 120 late on XX/XX/XXXX history. After this amount of time maybe its time to let the courts handle and both can pay my legal fees and damages for their blatant negligence. This actually should also be forwarded to the FTC as they both have consistently reported incorrectly and refuse to fix each other blaming each other. Enough is enough. 15 Days

Company response to consumer: Closed with explanation