vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-28 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: Conn's, Inc.
State: TX

Complaint narrative:
I got a notification from XXXX XXXX saying my account is closed and the balance is {$0.00}. I called to make sure and spoke with a lady named XXXX. She stated my account is not closed and the balance is {$1000.00}. I also had her state the last payment made to the account because they record the calls and she stated that it was made on XX/XX/2018. This is all confirmed on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: TX

Complaint narrative:
I initially contacted Rash Curtis & Associates in XXXX requesting a validation of the account they are collecting on. They sent an account statement that was NOT from the alleged original creditor but on their letterhead and it included interest. I then contacted them again in XXXX by certified mail asking for proof that I agreed to pay any additional fees and interest. Til this day they have not responded but continue to add interest to the account. 
I have been educating myself and found out that it is against federal and state laws for collection companies to add interest unless it is agreed upon by myself. As you will see at the time of their XXXX response the interest they added increased from {$240.00} to {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: TN

Complaint narrative:
By far the worst experience I ever had with any financial company. This company is scam and should be shut down! 
This company is violating the laws ( UDAAP ) and needs to be held accountable. 
My story : Unfortunately I foreclosed on my home in 2018 and received a debt cancelation documentation from my lander at the time ( XXXX ). I ended up taking a huge loss and paying almost XXXX to IRS to cover this free money that was forgiven by lander. 

This other company started contacting me recently via mail ( XXXX ) stating that they are my lander now!?!?!?!?! How can they be my lander if I dont even have an open loan ( with them or anyone else ). 
I contacted them attempting to clarify and resolve this mix up. I was already upset and wasnt very nice to several reps/managers who were asking me ridiculous questions and not willing to help in any way. Only thing I was asking is to be removed from their mail list and for them to stop contacting me about the loan I no longer own. 

Well, someone from this company decided to retaliate and reported a new open loan with 24 no/late payments to the credit agencies. 
My credit score went down XXXX point for the loan that I dont even have!? 


After several hours on the phone, I spoke to two different supervisor and no one could tell me what in the world is happening. They both ensured me this will be handled with urgency and this remarks will be removed from my credit report. 
Well, 2 weeks later nothing was changed. 

Just spoke to another rep from this company who refused to transfer me to one of the supervisors, was extremely rude and obnoxious and ended up transferring me to no one ( hanged up on me ). 

This is completely unacceptable and I'm counting on CFPB to assist me resolve this situation and quickly. 
I did some research on this company and couldn't find a single positive review from any of their customers. 
Please contact me if you require more information.

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 2019-09-28 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: TN

Complaint narrative:
By far the worst experience I ever had with any financial company. This company is scam and should be shut down! 
This company is violating the laws ( UDAAP ) and needs to be held accountable. 
My story : Unfortunately I foreclosed on my home in 2018 and received a debt cancelation documentation from my lander at the time ( XXXX ). I ended up taking a huge loss and paying almost 30k to IRS to cover this free money that was forgiven by lander. 

This other company started contacting me recently via mail ( XXXX ) stating that they are my lander now!?!?!?!?! How can they be my lander if I dont even have an open loan ( with them or anyone else ). 
I contacted them attempting to clarify and resolve this mix up. I was already upset and wasnt very nice to several reps/managers who were asking me ridiculous questions and not willing to help in any way. Only thing I was asking is to be removed from their mail list and for them to stop contacting me about the loan I no longer own. 

Well, someone from this company decided to retaliate and reported a new open loan with 24 no/late payments to the credit agencies. 
My credit score went down 150 point for the loan that I dont even have!? 


After several hours on the phone, I spoke to two different supervisor and no one could tell me what in the world is happening. They both ensured me this will be handled with urgency and this remarks will be removed from my credit report. 
Well, 2 weeks later nothing was changed. 

Just spoke to another rep from this company who refused to transfer me to one of the supervisors, was extremely rude and obnoxious and ended up transferring me to no one ( hanged up on me ). 

This is completely unacceptable and I'm counting on CFPB to assist me resolve this situation and quickly. 
I did some research on this company and couldn't find a single positive review from any of their customers. 
Please contact me if you require more information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST ADVANTAGE CORPORATION
State: NJ

Complaint narrative:
I am XXXX. I am trying to get my life back on track. I had an outstanding balance with XXXX XXXX. I was offered a settlement amount and I paid it. Since I paid it ; I would like for the entry to be removed from my credit report. There is no law stating it has to be there. My account is settled and I don't owe anything to the company now. Please remove the entry from my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: NJ

Complaint narrative:
I am homeless. I am trying to get my life back on track. I had an outstanding balance with Capital One. I was offered a settlement amount and I paid it. Since I paid it ; I would like for the entry to be removed from my credit report. There is no law stating it has to be there. My account is settled and I don't owe anything to the company now. Please remove the entry from my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: AR

Complaint narrative:
THIS IS MY 11TH COMPLAINT AND I DISPUTE 4 RETAIL CREDIT CARD ACCOUNTS ON MY EXPERIAN CREDIT ALL OTHER BUREAUS HAVE DELETED FOR THIS EXACT REASON. 

XXXX NO.XXXX REPORTING AS INSTALLMENT LOAN ACCOUNT, CHANGE ACCOUNT TYPE TO RETAIL CREDIT CARDS. 

XXXX XXXX NO.XXXX REPORTING AS INSTALLMENT LOAN ACCOUNT CHANGE ACCOUNT TYPE TO RETAIL CREDIT TYPE THE XXXX XXXX NO.XXXX REPORTING AS INSTALLMENT LOAN ACCOUNT CHANGE TO RETAIL CREDIT CARD TYPE UPDATE WITHIN OR DELETE OR BE SUED, SEE ATTACHED LAWSUIT. 


XXXX XXXX, NO.XXXX, REPORTING AS INSTALLMENT LOAN MUST BE CORRECTED TO RETAIL CREDIT CARDS

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 2019-09-28 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: TX

Complaint narrative:
I got a notification from XXXX XXXX saying my account is closed and the balance is {$0.00}. I called to make sure and spoke with a lady named XXXX. She stated my account is not closed and the balance is {$1000.00}. I also had her state the last payment made to the account because they record the calls and she stated that it was made on XX/XX/2018. This is all confirmed on their website.

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 2019-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient is trying to default my student loans in the amount of {$3700.00} on XX/XX/19. I recieved a letter stating the initial default today on XX/XX/19, which is two days the loans is set to default. I have been in constant contact with Navient in an effort to resolve this matter. I have legal proof that my account can not be declared uncollectable. I have financial statements proving I made these payments that they claim I am in arrearages of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-09-28 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-09-28 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: Block, Inc.
State: FL

Complaint narrative:
ok heres the situation ... i have two cashapps due to the reason my friend couldnt send money to me from my account in XXXX which was extremely weird cause he used to always send me payments after payments then out of nowhere he cant send me.smh soooo i created another cashapp account under the email XXXX i told him to send me the money to the new account i created. which is XXXX he sent it and i confirmed it. then when i went to go send that payment to my husbands account due to me not having a card yet it told me i cant send payment i then received a email stating that my account is being closed why is that?? It was a brand new account no need to close it. i need my account XXXX to stay open due to me having a postive balance of money on the account that i need. Please help me thank you. i cant get ahold of my funds. My cash app name is XXXX XXXX i did my search on what it could possibly be and i have seen aloottt of forums with cash app or square stealing information and money from peoples account this is not right at all and i have my bank information linked to cash app uggggh. Please lets bring Justice to all thats going on and help avoid the problems from anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX XXXX XXXX XXXX XXXX has place hard inquires on my Equifax report I have a direct email with XXXX XXXX and despite emailing them constantly and calling them, they have NOT removed these illegal fraudulent hard inquires. Equifax said if XXXX XXXX would call them it would take only moments to resolve. They hangup like little babies, cant return calls like they said they would ( XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX the supposed bosses, every time I open a case instead of them removing the previous hard inquires that I never authorize they completely ignore the FCRA and another illegal hard inquire shows up. These people need to have their banking license pulled there unapologetic criminals and flaunt federal laws while agencies like your allow it to happen. Remove the illegal hard inquires without delay!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: MA

Complaint narrative:
Because I cancel the {$24.00} paying membership with credit reporting agency Experian they have allowed all type fraudulence activities in my account. They have been stressfully sending me bad information as alerts on a daily basis via my emails and text alerts through their controlled app in my phone. They are purposely reporting negative credit informations to all U.S consumers.

Most recently they have allowed XXXX XXXX XXXX XXXX access to pull my credit, installed a advance loan on my name with out my consent and now allowing XXXX to reporting vehicle repossession on my name with in the same exact account that I was never late paying not even 1 time. 


They have block my phone number to access their customer service support team because they all out of the country. I can not get through their phone lines nor email to dispute anything about my own credit files. 

Experian is also acting like XXXX  affiliated company, running XXXX  style of operations toward American U.S.A consumers. My data files has been breach by Experian themselves no out siders but hacked with in the Experian company. I don't feel Experian is legit enough to have access to my credit files as an American leaving in the U.S. I Placed a lock on my credit file it was removed by experian just to give criminals access to my credit files. 

I am a resident of the State of Massachusetts i'm sure my laws are pretty clear when it comes to issues like Credit bureaus like Experian. As resolutions, I want Experian to go and verify every single negative information they have placed in my credit reports from all and any company they are associated with. informations must be verified before hurting consumers. Mentally, Experian is killing Americans in the U.S.A slowly and they know exactly what they are doing to destroy Americans like me. This is war.

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 2019-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a secured credit card with Capital One Bank in the beginning of 2019. The XXXX company made a mistake and reported it as fraud ... Capital one closed my account. After weeks of speaking to XXXX in credit bureaus disputes at Capital One XXXX direct extension XXXX she had me send identity papers and bank papers etc she rec 'd this info on XX/XX/2019. at which point she assured me they would re-open my account .... months went by never happened! I spoke with her again in XXXX she told me it could not be done but I would get my {$99.00} deposit back, but I HAD to file a complaint with my bank???? made no sense! I did however do it they gave me a provisional {$99.00} till investigation .... well today they reversed the credit saying it was processed correctly. WTH!!! then I got a check from Capital One for {$0.00} stating it was a credit balance refund. I never got my {$99.00} back I have left several messages to XXXX NO RESPONSE I want my security deposit back!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: VA

Complaint narrative:
I initially opened a dispute with Equifax via mail on XX/XX/2019 concerning inaccurate and unverified accounts and inquiries. After that dispute was submitted, I also noticed that a balance on my credit card account was inaccurate. I paid the balance of the card off and instead of reflecting a XXXX   balance, the XXXX account, reflected a balance of {$260.00}. I submitted a dispute regarding that account and eventually that account was updated to reflect a XXXX balance. 

I filed a complaint with CFPB, yesterday regarding Equifaxs refusal to send dispute results within the 30 day timeframe or delete the inaccurate and unverified accounts and inquiries. As of today, I received an update from a Equifax with regards to another account I have with XXXX, that I never disputed, stating the balance has increased from {$5.00} to {$260.00}. This account has not even been charged any debt this month and should have a XXXX balance. The inaccurate balance has caused my Equifax credit score to drop 13 points. It seems that there may be some correlation with filing the complaint and the possible subsequent and intentional reporting of inaccurate information by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The card was, and still is advertised as interest free for one year. 
The card was issued online, as part of the checkout process of an online store called XXXX. 
The card is issued by comenity.com When asked about minimum payments and avoiding interest, Comenity.com representatives offer information that is at times vague, and at times contradicts the terms promoted. 
It seems almost designed to mislead customers into violating the terms of the one year interest free offer, possibly in an attempt to collect interest and fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Machol & Johannes, LLC
State: WA

Complaint narrative:
I am sick and tired of being called " Invalid '' when I am telling the truth and they are breaking the law. It is an insult to be called " invalid ''. 
Apparently when you ( me ) have all the documentation that you are telling the truth and you have been wronged ( and you sent it on to these " people '' on more than one occasion ) you are " INVALID ''.

2nd letter from these " People '' today a complete rerun of the letter  sent to me dated XX/XX/XXXX, once again calling me " INVALID '' I am NOT CALLING YOU and you are NOT TO CALL ME. This can be taken care of IN WRITING. 
I have asked them to send me a offer in writing that would resolve this issue and it hasn't seemed to compute with them. 
I have gotten no offer in writing, and I have not gotten any verifying information that THEY promised to send me in their first letter dated XX/XX/XXXX. 
All I get is the same letter over again that says I am " INVALID ''. 
They already judged me, discriminated against me, and developed complete bias against me even before the letter I sent them disputing the amount. They show no interest in making things better and they have already decided that I am a scumbag. Nothing I say ( all the truth ) makes no difference with them. I truly believe that they never read anything I write or look at any of the proof I sent them. They are totally and completely discriminating against me. It does no good to send them any of my proof because they are discriminating against me. 
I want this resolved and these people and their sticky fingers out of my personal information, my credit, and my life. 
Send me an offer IN WRITING ASAP that will resolve this issue permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DAS ACQUISITION COMPANY, LLC
State: IL

Complaint narrative:
Nmls # XXXX keeps texting me. I dont know who they are or why they are texting me

Company response to consumer: Closed with non-monetary relief