vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) $ ( 6,600 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ( XXXX ) XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) ( XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ( XXXX ) XXXX  ( Original Creditor : 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 2019-03-07 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: NY

Complaint narrative:
I submitted a few disputes to Equifax and ask that they do a proper investigation into said items on my report and they accused me of using some kind of credit repair service like I am not capable on writing my own complaints through the CFPB. 
I have never ever used any kind of credit repair service and I never will. 
So please stop with the stall tactics and do a proper investigation into my disputed items. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1. XXXX/ XXXX XXXX. 2. XXXX/ XXXX . - 3. XXXX DO A PROPER INVESTIGATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: IL

Complaint narrative:
I have been notified that the following fraudulent account XXXX XXXX XXXX XXXX acct XXXX and the following unauthorized inquires XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I have contacted Experian previously reporting this information did not belong to me but remains on my report. Please review the attached identity theft report number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
A representative came into my place of business in washington state. The representative first name was XXXX. She was a supervisor, as an incentive to get us to open an accout with Wells Fargo Bank she offered a {$300.00} that would be deposited after u kept at least {$1.00} in the account for 90 days. I called my back mid XXXX, first they said they didnt see the incentive and i was escalated to another department that handles the incentives and i was advised that it would be 45 days after the 45th day expired. I confirmed the accout was open on XX/XX/XXXX which meant my 90 day mark was XXXX XXXX XXXX. Now i confirmed with the representative on XX/XX/XXXX and she confirmed i met the terms. Now when i call they say they can't see the incentive. So im reaching out for assistance.

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 2019-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Snow and Sauerteig LLP
State: AR

Complaint narrative:
COLLECTOR FAILED TO VALIDATE SAID DEBT, AND IGNORED CEASE AND DESIST COLLECTION EFFORTS AND WENT ON XXXX ANYWAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
My auto loan with BBVA Compass Bank has missed payments. After some hardship, I caught up on payments and have made on-time payments with no late payments since. I appealed to BBVA Compass to remove the late payment remarks out of goodwill to help my credit. This assistance will help me in building proper credit and continue with my responsible habits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2019, I deposited a check with JP Morgan Chase in XXXX, Texas. The check was my payroll check from the XXXX XXXX. The check had a small tear from when we opened it on the bottom perforated envelope, but I included all parts of the check in the deposit. The bank accepted the deposit and I went my way. 


I learned two days later, that Chase had put a 'hold ' on the check. I later, on XX/XX/XXXX, got a letter from Chase- their first correspondence or notice, that a hold had been put on the account because they 'were n't sure the check would be cashed by the issuing bank ''. 

I called Chase on XX/XX/XXXX, a recorded call, and was told the bank was holding the check 7 business days- 12 days in total, to see that it cleared. 

I contacted XXXX on XX/XX/XXXX and explained what had happened, asked them to stop payment on the original check and reissue. They had me fill out a form and went to work on getting me a new check. 

Later that day, XX/XX/XXXX, XXXX sent me a note explaining the check had already been cashed and funded by XXXX, and sent me a copy of the Chase/XXXX  transaction completed on XXXX XXXX the day after I deposited the check. 

I sent Chase a secure message on XX/XX/XXXX noting they had the funds, that their reason for 'holding ' the deposit was moot since the bank had cashed the check before they even mailed me their letter. I asked again, as I did on XX/XX/XXXX, for interest for them holding my monies and that they release the check to my account. 

At this point I am filing a complaint for Chase illegally holding these funds, lieing to me about the process and why and refusing to release my funds. I want my funds, interest and whatever penalty I am due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: NC

Complaint narrative:
I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX XXXX XXXX  the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several i issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5. The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states Arbritraction Mediation and Arbiter Mediator ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain private

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 2019-03-07 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: IL

Complaint narrative:
I have been notified that the following fraudulent account XXXX XXXX XXXX XXXX acct XXXX and the following unauthorized inquires XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have contacted TransUnion previously reporting this information did not belong to me but remains on my report. Please review the attached identity theft report number 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 2019-03-07 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: IL

Complaint narrative:
I have been notified that the following fraudulent account XXXX XXXX XXXX XXXX acct XXXX and the following unauthorized inquires XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I have contacted Equifax previously reporting this information did not belong to me but remains on my report. Please review the attached identity theft report number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
MY CREDIT CARD ACCOUNT WAS CLOSED WITHOUT ANY WARNING ( S ). I DIDNT GET ANY NOTICE ON MY LATE PAYMENT AND ONLY REALISED MY ACCOUNT HAS BEEN CLOSED AT THE TIME MY ACCOUNT WAS FUNDED. I NEED MY CREDIT CARD ACCOUNT REOPENED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
This letter is in regards to my mother, who is a former Capital One credit card holder. She has give me power of attorney so I am authorized me to act on her behalf. 

On XX/XX/XXXX, she called Capital One to pay off her balance and close her account. She was told she had to pay a {$21.00} fee to close the account, and she did so, paying a total of {$1100.00} over the phone. 

She received a transaction statement for the period from XX/XX/XXXX to XX/XX/XXXX, acknowledging that payment and saying that Capital One owed her {$1.00}. Then another statement, for the period from XX/XX/XXXX to XX/XX/XXXX, claimed she owed {$30.00}. The following day, XX/XX/XXXX, I wrote to Capital One, explaining the situation and asking them to close her account and stop billing her. 

A few weeks later, she received another bill. Finally, in mid XXXX, I called Capital One and was told that the first time my mother called, the customer service rep made a mistake and my mother had not been given the amount of interest owed. That interest was continued to grow each month. The customer service rep said that she would erase the interest from the account, and my mother would owe nothing. Last week she received another bill for {$88.00}. 

I called again on today, XX/XX/XXXX. The rep on the phone had all of the information -- knew the entire history about the agreement to waive the interest fees -- and said that the previous rep had not completed the update properly. She assured me that it would now be taken care of and that a XXXX   balance would be reflected on the printed statement my mother receives within one or two billing cycles. Thats the part that makes me nervous because that is what I heard last month. She also said that the waiver of interest would not apply to future purchases or cash advances. However, the account was closed in XXXX, so there will no longer be any more transactionsonce they remove the {$88.00} interest payment from the account. My concern is that Capital One will keep charging interest on the interest it had charged before, in the hopes that my senior citizen mother will just give up and pay it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The XXXX XXXX Credit Card has been a nightmare to have for the past few years. I have made attempts to lower my debt and pay it off however, they are non-respondent. On XX/XX/XXXX I scheduled automatic payments to be deducted from my checking account. Since they have fooled me before, I took a screen shot of the confirmation AND I also received an email from XXXX confirming my auto payment set-up. Several days later, I learned I had a new late fee added to my total bill. When I looked at my account online, the automatic payment had been deleted. I called the customer service line and after being transferred to 3 representative, I was told that the department that " handles '' my account was closed and that I had to call another day. I called back two days later and was transferred a total of 5 times. First to 3 different XXXX Credit Card Departments, then to Citibank and then to a third party agency, XXXX, who apparently handles the account. I explained to them that late fees are being added to my account unjustly but, they said they have no control of that. They suggested I call XXXX  back. When I explained how I've been transferred many times, they explained that they would send a letter to XXXX  but, there's no guarantee I'll get a response. I have over {$500.00} dollars in late fees from XXXX and NO ONE takes ownership or accountability for the management of the XXXX credit card accounts. 
I initially began calling in XXXX and asking for the insane amount of late fees to be removed but, I have continuously been ignored with no one to speak with regarding the details of my account.

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 2019-03-07 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: NC

Complaint narrative:
I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX XXXX XXXX  the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several i issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5. The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states XXXX XXXX and XXXX XXXX ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain private

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 2019-03-07 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: NC

Complaint narrative:
I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX/ XXXX XXXX the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several i issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5. The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states Arbritraction Mediation and Arbiter Mediator ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain private

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 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Opened an account with Chase Total checking account online on XX/XX/2018 with the promotion offer of {$200.00} bonus when you open a new Chase Total Checking account and set up direct deposit. I have already set up the direct deposit and deposit was posted on XX/XX/2018 which is before 60 days. 

I haven't received the XXXX $ bonus yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I attended XXXX XXXX University from the fall of XXXX to the spring of XXXX and graduated with a BS in XXXX XXXX. After graduation I accepted an industry position and began my new career in XXXX of XXXX. After an automatic deferment of six months on my loan repayment I entered an income-based repayment ( IBR ) plan that allowed me to make payments while supporting my wife and twin sons, all without incident. When it was time to renew my XXXX in XXXX I followed the same process but my payment status was left unresolved for several months despite regular attempts to contact the company to resolve the matter. By XX/XX/XXXX I was receiving notices that Navient required payment but would not accept my XXXX application with no explanation as to why there was an issue. By approximately XXXX of XXXX my IBR was approved and I began payments again, but Navient had placed XXXX day late payment marks on my credit report during the time that my payment plan was in process. I worked with the credit reporting agency and Navient to resolve the issue, and eventually Navient agreed that my lack of payment was due to process errors on their end, but for some reason they have only removed the marks for the 30 and 60 day late payments on my XXXX report. Please see the attached document showing a 90 day late payment in XX/XX/XXXX but ( document titled 'XXXX Navient Payment, ' red highlight from me ) but no payment issues on XXXX and XX/XX/XXXX. I have been unable to retrieve documents from either XXXX or Navient showing the previous status, but credit reports don't generally show a random 90 day late payment mark in an otherwise satisfactory payment history. I have contested the 90 day late payment several times with both XXXX and Navient, while the XXXX staff have been friendly they appear to be unable to do anything more than contact Navient as part of the dispute and receive a form letter that says that late payments have to be noted on credit reports. Please see the attached document labeled 'Navient Form Letter ' for the last of these letters I received from Navient while disputing on my credit report. That is literally all of the contact I have been able to document from their organization. At this point I can't even log into their system to find historical documents and can't receive customer assistance in any form.

Company response to consumer: Closed with explanation