vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I sent this letter to Capital One disputing the account listed below and another capital one account which was opened on my behalf but not by me. Capital One sent me a letter stating the account was fraud, it only included one account they both are fraud and should be removed from my credit file. I attached the letter from Capital One. XXXX XXXX XXXX, NJ, XXXX SSN : XXXX | DOB : XX/XX/1984 This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. Name of Account : Capital One Account Number:XXXX Provide Physical Proof of Verification : Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
cWhen I was back in college, my main focus was college. When I finished my first year an came home, I started getting calls about a card I was not aware of. I was only XXXX and never knew anything about the card, but they still tried to make it seem like it was my card saying it will be sent to collections and doing scare tactics. I started paying on the card because they would not leave me alone. That is when I told them it was n't me and that I would not pay for something I did not do. The account was sent to collections and it has scarred me. They call me and ask me when would I like to make a payment but I am still not going to pay for something especially when I did not apply and physically receive the card in my possession. I would love to apply for a card but I can not do so until this is off from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity Bank failed to disclose that by applying for a line of credit with them they can pull other credit reporting agencies without disclosing a list of possible credit reporting agencies they will use. The CFPB has over 100 or more documented credit reporting agencies for 2017. As a consumer I was only aware of Comenity Bank pulling one of the three major credit reporting agencies to obtain a line of credit with them. However, they failed to disclose that they can access any of the 100s of Credit Reporting agencies available to them without disclosing this information to me as a consumer. I requested that they use my XXXX hard pull or remove it but they instead sent me a letter stating they tried to also pull my XXXX report which I have frozen with a security pin due to identity theft that recently happened to me. I requested they could access my XXXX with my security pin or remove the XXXX Hard pull due to failing to provide that they can pull any of the 100 available credit reporting agencies that are listed from the CFPB. Which to me is dishonest and doing business in bad faith. Why? Because a consumer is not aware of the fact that multiple inquires from up to 100 credit reporting agencies is accessible to Comenity bank to make a decision simply for a store card seems to be illegal in my opinion. How can Comenity Bank do this? Run multiple inquires, fail to list the credit reporting agencies they use since there are 100s of Credit reporting agencies based upon the CFPB lastest updates? How is this legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: AR

Complaint narrative:
Transunion computer glitch that added inquires that originally was deleted. Transunion later added them all back on without giving me required 5 day written notice prior to re-adding them. this has been a violation of my consumer rights.

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 2017-07-24 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: ID Analytics, Inc.
State: UT

Complaint narrative:
XXXX XXXX failed to disclose that by applying for a line of credit with them they can pull other credit reporting agencies without disclosing a list of possible credit reporting agencies they will use. The CFPB has over 100 or more documented credit reporting agencies for 2017. As a consumer I was only aware of XXXX XXXX pulling one of the three major credit reporting agencies to obtain a line of credit with them. However, they failed to disclose that they can access any of the 100s of Credit Reporting agencies available to them without disclosing this information to me as a consumer. I requested that they use my XXXX hard pull or remove it but they instead sent me a letter stating they tried to also pull my Sagestream report which I have frozen with a security pin due to identity theft that recently happened to me. I requested they could access my Sagestream with my security pin or remove the XXXX Hard pull due to failing to provide that they can pull any of the 100 available credit reporting agencies that are listed from the CFPB. Which to me is dishonest and doing business in bad faith. Why? Because a consumer is not aware of the fact that multiple inquires from up to 100 credit reporting agencies is accessible to XXXX XXXX to make a decision simply for a store card seems to be illegal in my opinion. How can XXXX XXXX do this? Run multiple inquires, fail to list the credit reporting agencies they use since there are 100s of Credit reporting agencies based upon the CFPB lastest updates? How is this legal!

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 2017-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient was attempting to force me to get a Forbearance instead of a Deferment based on the loans and the information contained in my loans as far as amounts does not look accurate. Also I was mislead into thinking I need to take out loans versus using other methods to fund my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
I was notified by a company that I previously worked for that the county sheriffs requested them to attach my wages. When I contacted the lawyer, I was told that it was a bebt from 2008, and that XXXX had a court order against me. I have no clue about what they are talking about! And why after 8 years are they are they bothering me. WHY HAVE NOT I HEARD ANYTHING FOR 8 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: CA

Complaint narrative:
I sent several letters to credit reporting agencies and creditors requesting to remove inquiries that I did not authorize.

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 2017-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was contacted via email by someone claiming they had a guitar I was wanting to purchase. The alleged seller asked me to send the shipping fees via PayPal " friends & family ''. I felt/thought PayPal covered my transaction as their website claims they will, as well as a statement during the transaction shows that I would be able to submit a dispute if a problem arose ( which it did ... fraud, seller never shipped and stoped replying to my email messages ), therefore I filed a dispute with PayPal within days of sending the money. PayPal has denied my claim and closed the disputed amount without reviewing ANY of the evidence I have in emails from the seller etc. PayPal should uphold their claim as it was misleading to present I may be covered in the event that I was paying for an item that never arrived or was not as described. PayPal has denied my claim. I will be contacting my credit card company for further review. Also had to file a police report on a XXXX website as the alleged seller resided somewhere in the XXXX. Transaction number for PayPal : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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:
I sent several letters to credit reporting agencies and creditors requesting to remove inquiries that I did not authorize.

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 2017-07-24 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:
I sent several letters to credit reporting agencies and creditors requesting to remove inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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:
To whom this may concern, I am writing to express some frustrations with my dealings with Equifax that has negatively impacted by ability to live my life and gain access to financial services. Specifically, Equifax has refused to provide copies of records, actions, and documents they relied upon during their investigation of a collections account marked as " XXXX XXXX XXXX ''. Which is a violation of California and Federal laws that state the consumer has the right to receive copies of the information the credit reporting relied upon in making their investigation determination. Previously, I have voiced my concerns to Equifax and in my original dispute letter I asked Equifax provide copies of the documentation that they relied upon during the investigation. However, Equifax has not responded to those requests. I also contacted and submitted a debt dispute directly to XXXX XXXX XXXX but they neither confirmed nor responded to my dispute and request for more information. As it stands now, both Equifax and XXXX XXXX XXXX are stating that the information on my credit report is valid but they have refused to provide me with any documentation, let alone a signature card, to show that they investigated these issues and that I am actually responsible for this debt. I have also asked XXXX XXXX XXXX to cease and desist contact with me but have continued to receive calls and collection letters. I respectfully reiterate my request that both Equifax and XXXX XXXX XXXX provide me with full verification of debt, with signed and dated signature cards accompanied by the full consumer contract and a history of the account statements. This information is needed to verify the validity of the debt. Equifax and XXXX XXXX XXXX can review my previous correspondence for more details on what information I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: DISCOVER BANK
State: CA

Complaint narrative:
I filed immediate complaint w/ Discover Card about a VETRENARIAN VISIT advertising " free exam '' X/XX/2017 ( my pet ) never got physical exam, ( in my presence ) no call back on, XXXX XXXX results or diagonosis. nothing for over a month. ( my cat is male they said he was female, my cat is XXXX & has XXXX XXXX and they said he was n't like that when they saw him? ) Called/e-mailed this vendor, XXXX  XXXX XXXX MANY times. They said exam was done in the " back room '' where they took his blood? I filed a DISPUTE w/Discover Card # XXXX.Discover refunded me the $ ( {$88.00} ) at first then charged me back. The vendor sent them 7 pages of questionable /info on my cat.I NEVER SAW or GOT any of this from them, this is 2 months later ... The info they supplied Discover Card was wrong/lied, Discover Card is ignoring my Better Business Bureau complaint, the CA Vetrenarian Assoc. , complaint, numerous online complaints from others about this business and are taking sides w/ the BAD VENDOR .... XXXX does n't do this, they refund you bad vendor purchases w/ a string of complaints ... .I am NOT paying this bill ... .I still do n't know what is wrong w/y cat and DISCOVER CARD is USELESS in protecting consumers. pb

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-24 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: CA

Complaint narrative:
To whom this may concern, I am writing this complaint because Experian has not responded to my direct requests for support and I am unable to resolve outstanding issues on my credit report. Specifically, the outstanding issues are : 1. ) Experian maintains two known to be false living addresses for me. Including an invalid XXXX XXXX and incomplete address in XXXX. Both of these addresses should be removed because I have never used these addresses. ( Although I have previously requested Experian take such action, Experian has not responded to my requests, nor does it appear as though an investigation was even started. ) 2. ) Experian maintains an unrecognized account labeled as " XXXX XXXX XXXX '', yet this account appears to be the result of identity theft and should be removed. I have previously disputed this information with Experian but did not receive a response. This record should be investigated and removed. 3. ) I am unable to access Experian online or access financial services because Experian maintains the incorrect addresses on my file. This makes it impossible for me to answer address verification questions such as " Have you lived at your current address longer than two years? ". This makes it especially difficult to access any financial service because the two invalid addresses on my credit report do not match addresses on my identification or the true address that I have lived at. It also makes it impossible to dispute items online or upload information here : https : //www.experian.com/consumer/upload/

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 2017-07-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian sent me credit file # XXXX included was a XXXX XXXX # XXXX..stating account closed at credit grantors request. I disputed this information because it is false this account is not closed in fact, I attached my current bill showing the same account number XXXX if it is closed as Experian claims to have verfied which is clearly false when the account is currently open an active the have violated the FCRA. I would like this item removed from my credit report as it is untrue and hurting my FICO score.

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 2017-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I received nothing in writing for this debt whatsoever or even knew they were going to damage my credit. On top of that ive had this debt removed from my credit report 3 or more times and they keep popping back up under a different collection agency which is illegal. Once i win a dispute its supposed to never pop up on my credit again

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My credit card issuer, Wells Fargo Bank, assessed with an APR interest rate hike beginning in my XXXX of 2016 from a 9.490 % to a 28.740 %. This rate hike was a direct result of their Call Center staff incorrectly setting up an auto-payment which was to continue for 3 months while I was traveling internationally. In working with my the local Wells Fargo Banking Representative, a member of their XXXX XXXX XXXX ( XXXX ) and a member of their Small Business Lending Operations staff they corrected problem with three additional, but unrelated, accounts. I 've attempted to follow up for several months ( and have supporting documentation to include statements and emails if necessary ) regarding the status of this specific account but never received any resolution or a complete response. In contacting them today to follow up with this issue they insisted that " they '' did, in fact, correct the issue but the account was delinquent. I informed them that I received no such notification and I then I proceeded to go through each invoice and read the interest rate and fee reversals to demonstrate the requests were incomplete. After that the representative informed me that they were not able to provide an alternative and advised me to contact the VP for the Small Business Lending Division ( XXXX XXXX ) but unfortunately I have yet to see any resolution.

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 2017-07-24 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have previously provided Navy FCU the Official Investigative OPM Notice of compromised personnel files, along with my statement regarding ID theft/fraud associated with the Navy FCU Account, XXXX .... On XXXX XXXX, 2015, after Navy FCU received a payment of {$420.00} and notice of the ID theft/fraud associated with the card, Navy FCU charged off {$22000.00}. The balance at the time showed {$21000.00} but Navy FCU charged off {$1200.00} more than the balance on the account and placed deleterious information on each of my credit reports. Navy FCU has repeatedly refused to provide to me the information which I have the right to obtain from a debt collector that being strict proof of my obligation to pay this debt when I have contested it as fraud. According to the OPM Notice, had Navy FCU acted timely, there was a method in place to be compensated but Navy FCU simply passed the debt off as mine and has remained stalwart in their position. On information and belief, Navy FCU perfected fraud when they placed an up charge on the account in the amount of {$1200.00}. Further, Navy FCU has refused to validate the alleged debt, a violation of FCRA. Due to the identity theft and the fraudulent purchases associated with the account, Navy FCU should respect the OPM Notice and the fraud report and either block this information from each of my credit reports or block this information from my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation