vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 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: CITIBANK, N.A.
State: MS

Complaint narrative:
I have a credit card with SHELL/CBNA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called Citibank and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SHELL/CBNA with no successful resolution. XXXX, XXXX, and XXXX  only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.

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 2019-05-22 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: NC

Complaint narrative:
Please know that I was not late on XXXX  XXXX****, XXXX XXXX XXXX****, XXXX XXXX***, XXXX XXXX****, XXXX XXXX****, XXXX  XXXX****, XXXX XXXX XXXX**** I wonder why XXXX, XXXX and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for 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 explanation
Consumer complaint received 2019-05-22 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: NC

Complaint narrative:
Please know that I was not late on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX I wonder why XXXX, Experian and XXXX  report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for 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 non-monetary relief
Consumer complaint received 2019-05-22 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: NC

Complaint narrative:
Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I wonder why Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for 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 explanation
Consumer complaint received 2019-05-22 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: MS

Complaint narrative:
I have a credit card with XXXX/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX/XXXX with no successful resolution. XXXX, TransUnion, and XXXX  only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.

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 2019-05-22 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: MS

Complaint narrative:
I have a credit card with XXXX/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX/XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have a credit card with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXXXXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.

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 2019-05-22 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: NC

Complaint narrative:
Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: NC

Complaint narrative:
Please know that I was not late on XXXX BANK XXXX XXXX I wonder why Experian report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for 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 non-monetary relief
Consumer complaint received 2019-05-22 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: NC

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. ( Original Creditor : ) XXXX, XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
1. Spoke to loan officer 2. Reported to NCUA 3. Credit Union was receiving my mortgage payment withdrawn as a payroll deduction every XXXX of the month 4. Mortgage payments are due on the XXXX of each month. 
5. Credit Union was not applying mortgage payment received on the XXXX but rather they were holding on to those funds and crediting my mortgage at the end of the month or the following month. 
6.this practice by the credit union severely impacted my credit in a negative manner.

7. Have requested from Loan Officer to refinance my loan due to the high fixed interest of 10.5 %.

8. Officer has refused to assist.

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 2019-05-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On my monthy statement I owed MBNA for a single purchase XXXX. 
I paid this with my XXXX XXXX XXXX  Debit Card on XX/XX/19. Transaction No XXXX. 

Today is the XX/XX/19 and this ammount remains owing on my Statement Summary. I have contacted MBNA on 5 different occassions generally 30 minutes plus of waiting time for them to resolve this issue. They suggested that they credit my bank account with the the XXXX and then I repay to them. This has nothappened. They accepted that they took the money on XX/XX/19. 
Can you please resolve. 
As of today I owe MBNA XXXX Regards, 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 2019-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Compass Recovery Group, LLC
State: CA

Complaint narrative:
This is not my debt, I am NOT the account holder- Over the last year, this company has called me 8 times on my cell, and 4 times on my landline. They ask for me by full name, but then say are trying to contact a XXXX XXXX and ask for any contact info for her. 
I do not know this person. First they claimed she was my mother and that I had to tell them where she was because she owed them a lot of money. I informed them that was not my mother 's name, not even close, and then they said " oh well she is related to you somehow so you need to tell us where she is so we can collect the debt ''. 
Again, I informed them that I do not know anyone by that name, and just because someone shares a last name, doesnt mean they are 'related somehow ' so stop calling. They didn't. I blocked thier number and then they started calling from a new number. They won't stop. I don't have what they want-I don't know any XXXX ( an old co-worker, but he was a man and his last name was XXXX, so that can't be who they arecalling about ). 
I thought maybe this was happening if my credit was stolen or something, but nothing odd is on my reports, so why are they harrassing me about a stranger 's debt? How is this allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Before I opened this account I went to a Bank of America branch and specifically asked if an ACH transfer of my salary from XXXX XXXX into this account would qualify for the {$300.00} account opening bonus ( as the offer stated that transfers do not qualify ). The rep to whom I spoke ( XXXX XXXX business card / letter attached ) stated that it would and the transfer clause only related to transfers from another Bank of America account. I therefore opened an account and three deposits of {$1300.00} were made. Bank of America are now saying these deposits do not count so I am not eligible for the bonus.

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 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: UT

Complaint narrative:
We had XXXX auto insurance and cancelled our policy due to the insurance company not sending proof of insurance to our car loan company. We weren't impressed so we cancelled. We don't owe anything to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I mailed a rent check to my landlord at the end of XX/XX/XXXX for my XX/XX/XXXX rent. On XX/XX/XXXX my landlord informed me that he had not received my rent for that month. I looked into it, and saw that through online banking ( including pictures of the supposedly " endorsed '' check ) that the funds for my rent had been withdrawn. The check had been endorsed by a person that was not my landlord. I immediately ( as in the same day I found out ) went to a Santander branch to file a claim. I was informed by a Santander branch manager in XXXX XXXX, XXXX that based on my description of events that I would " get my money back. '' After four months they have determined that I was liable for the funds taken from my account by way of the stolen and fraudulently endorsed check. How is the bank that allowed this deposit not liable? How is the USPS not liable? How was this check stolen, and why does that make me liable? Am I now finding out that a signed check can literally be used like cash, and I have no recourse? I would like to file a complaint against Santander Bank due to this gross miscarriage of justice on the part of their fraud investigation team. I believe that they have not exercised their due diligence in this investigation. I was also advised multiple times, as I have checked in on this investigation periodically throughout the interceding months, not to file an official police report related to my claim. I feel as though I was deliberately mislead by Santander Bank to reduce their culpability in this matter. I will be filing a police report today, but I would like to file a claim with this agency as well.

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 2019-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am on XXXX leave from work and my Supervisor has contacted me to state that calls repeatedly. Supervisor has a call log showing how often the creditor calls. The call log shows creditors name, telephone number, and time of day that caller calls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Bankruptcy showing on credit report that does not belong to me. This was reported several times to Equifax and XXXX, XXXX This account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
On XX/XX/2017  I canceled this account based on the Service Member Relief Act that allow Service members to break contract even 90 days after separation from XXXX XXXX. However, this Apartment Complex disregard my request and send an incredible amount of debt to Collections. I paid every penny before I leave the complex. A 60 days vacate notice were given ahead of time. 
Once I found about this collection debt I submit my dispute to XXXX. They successful delete this account from my credit score. However, XXXX and XXXX  doesn't want to delete it from my records. Their system doesn't even allow to upload documents to help to solve the dispute. I recently submit another dispute but XXXX disregard my claim. 
This negative erroneous account has damage my credit score for almost two years and is still there. 

Account Number # XXXX Name RENTDEBT AUTOMATED COLLE XXXX XXXX XXXX XXXX , TN XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$4700.00} Original Amount {$4700.00} Original Creditor XXXX XXXX XXXX XXXX  XXXX ( Rental/Leasing ) Past Due {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Bankruptcy showing on credit report that does not belong to me. This was reported several times to XXXX and TransUnion, XXXX This account does not belong to 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 explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i was charged a monthly fee of XXXX dollars but i have a XXXX in my account. which then lead to a over my balance incurring a NEGATIVE XXXX cents on my checking account but i was charged XXXX dollars fee to cover the XXXX cents. i think this is excessive. i call them and asked for a refund but i was told it is valid. i think this is excessive. they were saved by the Obama administration and should have been bankrupt but this bank practices is beyond consumer satisfaction.

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 2019-05-22 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: DC

Complaint narrative:
I am writing to complain about a dispute submitted to the 3 major CRA 's on XX/XX/XXXX in regards to accounts fraudulently opened in my name. I am a victim of identity theft and did not open these accounts. I also am a victim of the XXXX XXXX XXXX 2008 data breach. State issued Drivers License were compromised and my social security was also compromised. I am not responsible for any charges made to these identified accounts or inquiries that were made by the thief, as the accounts were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TaxServ, LLC
State: WV

Complaint narrative:
I received a bill yesterday through mail from TaxServ Capital Services, LLC with an amount of XXXX   that I didn't know about. My ex-husband kept all the cars and I know he declare himself on bankruptcy right afte our divorce. But I can not believe all this money owed for a car he kept. I came to Virginia with no car, The XXXX XXXX XXXX here in Virginia gave a car for free back then. I don't know why the XXXX of XXXX XXXX waited 14 years to send me a bill through a collection company. How can you best advice me to do in this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I was a victim of Identity theft and sent XXXX over a copy of my police report and Identity theft report and they keep reporting this to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I made a payment on my credit limit and I also have fraud charges that I was disputing and they closed my account against my will

Company response to consumer: Closed with explanation