vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 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: AL

Complaint narrative:
On XX/XX/2019, I submitted a dispute with Equifax. There are three creditors currently reporting late payments. The investigation has not been completed, as of XX/XX/2019. I spoke to XXXX at XXXX. I explained to XXXX that I am aware of the law and he acknowledged. The creditor has exhausted their time to investigate and respond to the dispute. XXXX refused to update the credit file by removing the incorrect information. XXXX acknowledged we are on a recorded line. XXXX has confirmed creditor states there are no late payments. I'm inputting this complaint with him on the phone. XXXX also stated no one will be able to update file and told me to contact the creditor. I've been on the line with XXXX now XXXX hour XXXX minutes. The time is XXXX central time. 

I am requesting these entries be removed and an updated copy of my credit file be forwarded to me via U S mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went into the Wells Fargo branch inside the XXXX Market on XXXX XXXX in XXXX XXXX XXXX, CA today to make a {$200.00} deposit the XXXX manager refused to accept the deposits saying it could be " XXXX or XXXX '' laundering monies? As i laughed that i would put a {$200.00} dollars in an account i opened 7 years ago where i have made deposits in excess of hundreds of thousands of dollars would suddenly deposit {$200.00} bucks as XXXX  or XXXX  money. 

This sort of discrimination and violating my rights is outrageous

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 2019-04-03 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: FL

Complaint narrative:
I recently submitted a request for investigation of a XXXX XXXX XXXX XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified that I have never had a late payment. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v TransUnion, XXXX v. XXXX ( XXXX ),  and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.

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 2019-04-03 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
In XX/XX/2017, Ally Financial ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

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 2019-04-03 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
In XX/XX/2017, Chase Auto ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: FL

Complaint narrative:
I recently submitted a request for investigation of a XXXX XXXX XXXX XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified that I have never had a late payment. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: FL

Complaint narrative:
I recently submitted a request for investigation of a XXXX 's XXXX XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified that I have never had a late payment. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.

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 2019-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/19 I disputed a collection account on my credit report. I have never been contacted by XXXX XXXX and they have never verified the debt because the debt does not exist and is false and not valid. It is not on any other report. On XX/XX/19 Transunion stated that the debt was valid and did not delete. That is not correct because again this is not a valid debt and XXXX XXXX has been on my Transunion since XXXX and has not once validated this debt. This is illegal reporting and needs to be removed immediately. Transunion has my personal info on dark web and I get 50 spam scam calls a week. Their clarity also reports inaccurately as well. This illegal collection needs to be removed within 30 days. XXXX XXXX should also be on the hook for illegal reporting and I have no collections and XXXX or XXXX either. Also my credit balances decreased as paid off and all my other credit went up but Transunion went down because paid off. They are reporting incorrectly and this needs to be fixed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed two credit card accounts of mine that I rely on for everyday purchases and my own survival. I had reported fraudulent activity on my account because my identity had been stolen at the beginning of the year. They closed both of my accounts that I have never missed a payment on. Chase said they closed both of my accounts because too many inquiries on my report as well as unusual activity. Attached to this statement if a FTC report supporting my claims that my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
In XX/XX/2018 XXXX XXXX XXXX closed my account without telling me. I continued to make my monthly payments thur XXXX 2018 when I made my final payment of all my money that was charged before XX/XX/2018. Since then until even now I am being charged late fees on their interest over and over which are not my charges because my account is closed and I can't make new charges???? But they say I am being charged for no payment on charges I made, how? when it is closed? I would like this stopped now please or else. 
XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX  of this United States of America.

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 2019-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: VA

Complaint narrative:
A loan was taken out from a company called XXXX. I then realized the loan was a complete rip off and was illegal in the state if Virginia. No online loans are legal in Virginia. The company would not acknowledge. It was turned over to Ad Astra collection agency which I disputed explained the loan was illegal and not enforceable. Ad Astra then placed a collection on my credit report which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from XXXX XXXX XXXX and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, XXXX requested the credit reporting agencies delete the XXXX tradeline related to your account from your credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: CA

Complaint narrative:
The reason for my writing this letter is that this company is being unreasonable and not adhering to the law in regards to identity theft. I am a Victim of Identity theft, My personal information was compromised, I don't know who did this but with it came fraudulent account opening under my name. I did not benefit anything from this unauthorized accounts opening. 

I disputed with this company on XX/XX/XXXX. My letter had explained in detail of my Identity theft status. I even attached documents to prove my case. but to My surprise, this company completely ignored the law that requires them to delete within 4 days. 

Below are the fraudulent accounts that I NEED to be REMOVED/BLOCKED from my credit report : XXXX XXXX XXXX, XXXX # XXXX, Date Opened XXXX XXXX XXXX , XXXX # XXXX, Date Opened XX/XX/XXXX. 
XXXX/XXXX XXXX, XXXX # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX, XXXX # XXXX, Date Opened XX/XX/XXXX XXXX XXXX place in, XXXX # XXXX, Date Opened XX/XX/XXXX XXXX   XXXX XXXX # XXXX, Date Opened XX/XX/XXXX I am attaching herewith The letter i sent to this company and my FTC identity theft report for your reference and review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I received a call on XX/XX/2019 from Navy Federal Credit Union trying to collect on a {$7900.00} balance for transactions that were not processed by me. The operator on the line explained to me that after investigating the situation they said that the charges were still valid. As I have never opened an account with this credit union it does not make sense that I am responsible for these charges. I tried calling the company to request further information concerning the investigation and was connect to an operator who put me on hold and proceeded to disconnect the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 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: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
On XX/XX/2017 in my divorce paper the loan for a Motor home with Huntington NTL Bank {$27000.00} was suppose to be removed from my name and my ex husband was suppose to take care of that. He has not removed my name so it's still showing up on my credit report and I can't get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I have been receiving upwards of 5 calls a day from Wells Fargo about my past due account. I am only 1 month past due and awaiting a workers compensation payment. This has been going on all month. I have told Wells Fargo I am happy to make the account current once I receive my workers compensation payment, but they continue to call me 5x/day asking for payment. I have updated my contact information on their website, removing my phone number from the account, but they still continue to call me. Harassing me daily does not make the Department of Labor pay my claim any faster.

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 2019-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
A loan was taken out from a company called Speedycash. I then realized the loan was a complete rip off and was illegal in the state if Virginia. No online loans are legal in Virginia. The company would not acknowledge. It was turned over to XXXX XXXX collection agency which I disputed explained the loan was illegal and not enforceable. XXXX XXXX then placed a collection on my credit report which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please  evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Buffaloe & Associates, PLC
State: TN

Complaint narrative:
XXXX XXXX has a law firm collecting on the the debt, I have mad payment arrangements and have bee paying on the debt. XXXX  is refusing to report payments made under the agreement as of XXXX. XXXX XXXX subsequently reported on my credit a missed payment for all the months prior to the payment arrangement. Now that I have made payments they are refusing to update the status of the agreement but reflecting the payment, balance change but still in a charged off status. Im currently in the process of purchasing a home and can not get funding do to the status of the account. I even offered to pay the balance off in full but they still stated they were unable to change the status of the account at this point. XXXX XXXX totally removed the account from their systems and only refer conversations to the law firm of Buffaloe  and XXXX XXXX, who does not partake in any of the credit reporting. They are damaging my credit and refusing to update the status. This account is also 8 years old.. and should not be on my credit at the time it was scheduled for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: FL

Complaint narrative:
My XXXX CARD WHICH I GET MY SOCIAL SECURITY CHECKS DEPOSIT WAS HACKED AND CHARGE WITH XXXX XXXX   WHICH IS BASED IN XXXX, I REPORTED IT TO XXXX CUSTOMER SERVICE AND GOT THE COLD SHOULDER, WHICH {$760.00} WAS HACKED FROM MY ACCOUNT.I EXPLAINED THE URGENCY I HAD TO PAY MY RENT AND IT WAS A COMPLETE BLOWING UP MY NOSE KIND OF FEELING, ANY ASSISTANCE I CAN GET WILL BE APPRECIATED.

Company response to consumer: Closed with monetary relief