vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I previously have submitted 3 disputes regarding the account with the three major credit bureaus going back since XX/XX/XXXX and they all have came back verified. After being unsuccessful I decided to contact the creditor via mail. i mailed a letter to Capital One on XX/XX/XXXX and they received it on XX/XX/XXXX. In the letter I stated that there was an account on my credit report that i did not recognize. I asked them how they verified this account and any original signed documentation that was tying me to this account that they were alleging belonged to me.I received a response from Capital One on XX/XX/XXXX regarding my letter. In the letter they requested in order to research my request that they needed a copy of the letter they sent me, a copy of my credit report, a copy of my original letter sent and the last 4 digits of the account number. I am appalled by the stall tactics that they are using regarding my request. I already sent them a letter with my name an address regarding my request with the partial account number that is listed on my credit report. I will not be giving them my social security number, which they already have because it is being reported on my credit report. It is there job to look into the investigation and provide me what I requested. They have more than enough information to properly look into my request. I have included all correspondents with Capital One and a copy of them reporting on one of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
When I received an invitation and opened a credit card with citi AAadvantage card, they have promised if I spend {$3000.00} within 3 months I will get promotional XXXX miles from AA. 
Now they are not paying my promotional miles saying you had a card with citi and cancelled around 24 months ago. 

They never said that when they invite to apply.I talked several times and no luck.

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 2019-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
We leased this car in XX/XX/XXXX when we lived in XXXX. We set the lease up on auto-pay so the payment automatically debits from our checking account each month. We also paid the personal property taxes due on the car to the lease servicer in XXXX of XXXX because VA bills the title holder directly. 

In XXXX of XXXX we moved to XXXX and notified the lessor. We even obtained a letter from Chrysler Capital giving us permission to register the car in XXXX, which we did on XX/XX/XXXX. Despite being notified that the car was no longer garaged in XXXX, Chrysler Capital has continued to bill us for personal property taxes and licensing fees for XXXX. They have also issued numerous fees to my account that they have provided no substantiation for, despite my request to be given copies of the details for all fees charged to my account. 

I have spoken with them at least once a week for the past 6 weeks and submitted documentation as requested and they have failed to resolve the issue. They continue to show my account as past due when I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: OH

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX  XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX**, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX** and 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 explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been banking with bank of AMerica for a while now and i have been receiving direct deposits and my paycheck goes into that account. I received some funds which i needed to withdraw however bank of america placed my account on hold to investigate the transaction. I have no issues with that as it was legitimate and also explained why it was sent. I have cooperated with all their investigations/requests etc which supposedly only takes 3 to 5 business days. Unfortunately while the hold was placed on my account my paycheck was paid in. After the 5th business day i contacted the bank and i was told to wait 30 more days to make matters worse i was told to " make other arrangements ''. How exactly was i suposed to do that? How will i pay my rent? My bills? I explained this to them but they said they can not do anything, asked they just give me the paycheck while they do their investgation but they said whilst its ongoing they are unable to do anything. I have never, in my 10 year credit history, missed a credit card payment, unfortunately due to my account been frozen, i will be inccuring a non-payment report. I am extremely frustrated, worst part is no one is able to give me an answer as to what is going on, when i ask to speak with the department doing the investigation i am told they are an unknown entity that does not have a phone number. Please help before i am evicted amongst several other things

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 2019-08-12 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: OH

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
I am receiving mortgage collection calls from The Money Store and it's debt collection companies for an employee of my company. After I had received several calls and messages, I contacted them in XXXX and again on XX/XX/XXXX. I requested the removal of my business line from the employee 's personal mortgage account and from the company 's general records. I also contacted the employee to request that he call the vendor to remove my business phone number which has never belonged to him. He assured me that he would. 

I contacted the employee again on XX/XX/XXXX and advised that they were still calling. He has " contacted any attorney ''. 

I received another phone call this morning, XX/XX/XXXX, without a message ; just some background noise. I called back and spoke with XXXX at XXXX. She stated that she would add this phone number to their internal Do Not Call List. 

The Money Store must stop calling my business line for debt collection that has never belonged to me at a phone number that has never belonged to a debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was in school and or unemployed and they would still charge me interest on the loan amount even though I qualified for deferment. Further, this decision ruined my credit and they have not acknowledge the error and fixed it. My loan is with Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: OH

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Had a home in another state while in XXXX, took care of it when got XXXX ( sold it XXXX however Mr Cooper turned me in as bad credit while in the process of selling! They added charges and what ever he could because they knew it was being paid off!!!! 
On the statements it said I had 6 % interest, when got payoff, said I had 6.875 %? don't know why it changed!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX/XXXX and 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 explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When living in the apartment of XXXX XXXX at XXXX XXXX back in XXXX I had a balance owed of {$270.00}. This amount was paid in full as of XX/XX/XXXX, I was provided a proof of payment letter and submitted to all three credit bureaus. Unfortunately the only credit bureau that removed it was XXXX XXXX. 

Can you PLEASE assist me with helping dispute this item on my credit with Equifax and XXXX. They should have deleted this item Just like XXXX but they are giving me an extremely hard time- My credit along with finding a place to stay is suffering from this.. That you so much.. 

Info you may need pertaining to bill ; XXXX XXXX a XXXX XXXX XXXX   Agency name paid in full to : XXXX XXXX. 
Sub # XXXX Date Assigned XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Certegy Holdings, LLC
State: FL

Complaint narrative:
During the week of XX/XX/2019 I wrote a business check on XXXX XXXX to XXXX 's and it was declined by Certegy without a specific reason. My bank even wrote a letter to guaranty the payment of the check and it was still declined. Do not understand the reason for not accepting my check since my business has operated successfully for many years in the area and funds in the account were more than sufficient to cover the check. The bank is a relatively new bank in the community and they were unsuccessful in getting any information about why my check was declined. I have been unsuccessful in getting any information from XXXX concerning why my check was declined. XXXX 's was not helpful in the matter and said the decision was made by Certegy and they are required to follow their decision.

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 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
I have applied for a refi of an existing mortgage with a conventional loan on XX/XX/2019 with Vectra bank and it has been 90 days, I have received no loan status for the last 30 days. Vectra Bank has ignored my emails. The lending personnel I started with Sonary Im is no longer working on the loan. Her boss XXXX XXXX took over a month ago and he has not responded to my loan status inquiry. Every day I wait, I am losing $ XXXX/week for interests that I could have saved. I paid my appraisal fee {$780.00} in full 3 months ago and now I received no loan status. Forget about how Vectra bank do business in Colorado ( they shouldn't if that is how they treat their customers ), there got to be some regulations on the bank as to how much time they have to provide loan status -approve or not approve than leaving consumers hanging like me.

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 2019-08-12 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: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I issued a few disputes in various ways about this already, but didnt realize the scope of the problem. At first I thought this only was on my XXXX   report. Now I realize its also my XXXX and XXXX as well! 

There is an account from a Collections Agency being incorrectly reported an my credit files. 

The account is from the collection agency, National Credit Adjusters, account # XXXX This account was paid in full with a XXXX dollar balance, closed settled as of XX/XX/2016. It should not be active on any of my reports. I have submitted various disputed to all three credit bureaus now. XXXX simply responded that the Collections Agency is not reporting at this time. 

I should have no accounts in collections, and further, XXXX is displaying this item as a Charge Off, meaning that they say I still owe money for it. 

National Credit Adjusters needs to be held responsible for correctly reporting this item as Closed with a Paid in Full status, as of XX/XX/2016 ), and being sure the credit agencies receive that information. 

I have a correspondence from them, verifying that the status of closed and paid in full is true and accurate, which I will attach, along with pictures of the Charge Off status from XXXX and the Open status from XXXX. This account still shows as active in collection on XXXX too. 

All of this needs to be corrected and properly reported by Nationals credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: NY

Complaint narrative:
I have been working with Transunion to update or delete accounts that have errors on my credit report and Transunion confirmed they did a complete investigation into the accounts and everything is 100 % accurate by law. 

I then pull my annual credit report from Transunion and notice the changes havent occurred. I have attached the accounts in question, I have highlighted the issues and I am submitting this filing for help addressing this big company. 

I have noticed they are manipulating my scores. Please see attached for a detailed picture. 

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 explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
On, XX/XX/2019 at XXXX XXXX., I made a call to Credit Corp Solutions at XXXX and spoke with XXXX to obtain a settlement with an agreement to remove the credit line from my credit report. The manager,  XXXX, agreed and stated that it would be removed in 30 days. I have contacted the company numerous times because they have not yet honored the agreement. I spoke with XXXX XXXX, Senior Manager at XXXX on XX/XX/2019 at XXXX XXXX., at which time, he stated that he will make sure that their Compliance Dept. will delete the item from the report. I spoke with several different representatives from XXXX 2019. Another call, I ended up speaking with a representative by the name of XXXX on XX/XX/2019 at XXXX XXXX. He assured me that he will look into the matter and make sure that it would be handled. I called the next day because I did not hear anything back as promised on XX/XX/2019 at XXXX XXXX. at XXXX ( ext. XXXX ) and spoke with XXXX again and he stated the exact same thing to me as the previous day, he would handle it. Several more calls were made to the point that XXXX no longer answered my calls. On XX/XX/2019 at XXXX XXXX., I spoke with XXXX, whom claimed to be an account manager, which she agreed that her records showed that they have deleted the item on their end. Someone by the name of XXXX jumped on the line at XXXX XXXX., and stated that he was working on my behalf to contact XXXX to see why they have not deleted being that they have submitted a request for deletion. I contacted XXXX, and the representative stated that they had no request to delete from Credit Corp Solution. I then proceeded to dispute the matter, which was done on XX/XX/2019. Only two days later on XX/XX/2019, I received an update to the dispute that the information was accurate. I contacted Credit Corp Solution on XX/XX/2019 at XXXX XXXX., and spoke with a representative by the name of XXXX and explained to her everything that had transpired. She stated that they have done everything on their end and has submitted a request to delete but could not give me a date of when it was submitted. This company has been giving me the run around since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
Hi, My email and password was found on the blackweb and I have 19 data breaches dating from XXXX - XX/XX/XXXX. I have taken the appropriate measures to pay for credit monitoring services. In XXXX, a medical collection was added to my credit report that was inaccurate and unverifiable as it does not belong to me. After some research, I found out the original debt came from XXXX XXXX XXXX and was sold to Merchant Credit Guide Co. Unfortunately, XXXX XXXX XXXX was unable to give me any information about the debt over the phone and when I spoke to the records department because the debt head been sold. So, I started to dispute this information through the credit bureaus and Merchant Credit Guide Company by certified mail on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was only two responses received on XX/XX/XXXX stating, " Dear Customer, This notice is to confirm that we are in receipt of your request for validation of the above mentioned account. We will send your request for the documentation to the creditor. Upon a receipt, we will for it on to you. If we are unable to obtain the documentation a a timely manner, we will close the account, cease any further collection activity and return the account to the creditor Sincerely, Compliance Department Merchant 's Credit Guide Company - This communication is from a debt collector and is an attempt to collect a debt,. Any information obtained we will be used for that purpose. '' The last correspondence was to the debt validation letter which was received by Merchant Credit Guide on XX/XX/XXXX, which stated there was an XXXX XXXX XXXX on XX/XX/XXXX, with no signature of the individual who actually signed or filled out the the emergency form. I have called Merchant Credit Guide Company on a number of occasions and the phone either rings continuous or makes a high pitch beep sound. And I have explained to the collector in numerous certified letters that my email address and passwords had been compromised and that I did not create this bill.

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