vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not late '' but it recently came back as verified..The 30 days late payment is not correct and yet you could not substantiate its representation..You have provided information while knowing or having reasonable cause to believe that the information credit bureaus have provided was inaccurate. This is why I am filing this complaint, step up CFPB and reverse the late payments on XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not late '' but it recently came back as verified..The 30 days late payment is not correct and yet you could not substantiate its representation..You have provided information while knowing or having reasonable cause to believe that the information credit bureaus have provided was inaccurate. This is why I am filing this complaint, step up CFPB and reverse the late payments on XXXX, 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not late '' but it recently came back as verified..The 30 days late payment is not correct and yet you could not substantiate its representation..You have provided information while knowing or having reasonable cause to believe that the information credit bureaus have provided was inaccurate. This is why I am filing this complaint, step up CFPB and reverse the late payments on XXXX, 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 card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account was paid off by a financial institution on my behalf in XXXX of this year. 
I received a letter - opened on XXXX that indicated the account was closed. I verified this with my noble app. 
I called capital one and inquired about the closure. They said that they had received a letter to close the account separately from the payoff that had my signature. I asked for a copy and they said they could not produce it. I explained that I never authorized the closure of the account and that it could have a potential impact on my FICO score. 
Again, they said they would not produce the aforementioned letter with my signature.

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 — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
WELLS FARGO HOME MORTGAGE is listed on my credit reports showing i owe a balance.

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: TX

Complaint narrative:
Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXXXXXX XXXX XXXX , XXXX , XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 12 XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX , XXXX , XXXX  XXXX XXXX, XXXX XXXX XXXX ( ORIG 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 2019-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 12 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX, XXXX XXXXE,

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 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, I discovered that I was charged erroneously at a XXXX XXXX for multiple stays during the same time period. Once I discovered the 2 out of 3 additional charges, I notified Citibank and disputed the charge after trying multiple times to correct the issue with the vendor. The charge in particular was for {$290.00} for an additional stay that I had already paid for in-full. 

Citibank immediately issued me a conditional credit for the 2 charges and supposedly launched an investigation. Without any reasonable explanation, I was sent a notice on XX/XX/XXXX that the dispute was not resolved in my favor and I would be responsible for all charges. 

The communication from Citibank noted specifically : After reviewing your dispute and the information you provided, we're unable to resolve the dispute in your favor. The information wasn't enough to support your claim, and you are responsible for the disputed charge. If you'd like to pursue this matter further, please contact the merchant directly. 

The investigation into your dispute has been completed, the conditional credit we issued to your account, along with any related fees and interest charges, if applicable, has been reversed. Please note, it'll be reversed in the next two business days - you'll see it listed with your account activity on your next statement, or by logging into Citi Online or the Citi Mobile App. 

We included the below transaction details for the dispute ( s ) on account ending in XXXX for your reference. 
Date XX/XX/XXXX Amount {$290.00} Merchant/Description XXXX XXXX XXXX XXXX MI I did not received any communications from Citibank during the dispute time period and have not seen, to date, any communications or proof thereof between Citibank and the vendor that any attempt was made to resolve the dispute on my behalf. 

This is unfair and inaccurate and I should not be responsible for services from any vendor that I did not receive and as a 20-plus year customer, I am filing a complaint because I do not believe that they investigated the erroneous charge at all.

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 — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I have contacted Bridgecrest twice about their reporting a late payment for a vehicle of mine that was totalled XXXX XXXX XXXX XXXX XXXX and covered by their XXXX policy. The vehicle was totalled in XXXX of XXXX and I notified Bridgecrest within a week about the vehicle 's status and to start the XXXX insurance claim. A late payment was reported to the three Credit Reporting Agencies for XX/XX/XXXX despite the fact they were informed the vehicle was totalled and would be paid for by XXXX insurance.

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 — Their investigation did not fix an error on your report
Company: ERC
State: MA

Complaint narrative:
There is this account on my XXXX credit report that I do not recognize, the account is showing that it is in collections, I have never had an account with this company called ENHANCED RECOVERY COMPANY, there is no phone number being reported and it says that the account was opened in XX/XX/2018, I have disputed this account with XXXX and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I want this company to provide me with the original contract that has my signature on it that proves that I opened this account and also to provide me with any type of agreement between me and this company that says I have an obligation to pay them. The FCRA says that a creditor must provide the consumer with original documentation bearing the signature that validates the account. I want the original contract bearing my signature, and if the original contract bearing my signature cant be provided I want this collection deleted from any of the credit reporting agencies that is being reported to. I wont accept any copies of statements or an itemized piece of paper for validation of this account because that is not enough to validate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
I have a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and DEPT OF ED/NAVIENT with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.

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: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I have a loan with NATIONSTAR DBA MR CO. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and NATIONSTAR DBA MR CO with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Derogatory accusations including ALLEGED INQUIRIES must be XXXX XXXX compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX XXXX 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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Valley National Banks XXXX, New Jersey branch violated my right to privacy on XX/XX/2919 when the balance in my overdraft account was announced in public with other people present! This was embarrassing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX , XXXX XXXX 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 — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am so disappointed when I checked my latest copy of my credit report online..There is a bankruptcy reported under Transunion CHAPTER XXXX BANKRUPTCY DISCHARGED : XXXX which obviously not mine..If you see my credit report, all of my accounts were in good standing until I saw this.. I have never filed a bankruptcy in my whole life.. I challenge Transunion regarding the accuracy and compliance of this listing. I have requested that the reporting company verify the accuracy of the information disputed, but failed.. I request that you take further action. Either send me evidentiary documentation supporting your verification or delete the accounts from my credit report within thirty days

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America debit card and it was fraud. It was a checking account. I reported the unauthorized activities to the bank as soon as I noticed. I got a claim but I was told that the bank refused to refund the stolen money after investigation closed. However I think the investigation is irresponsible and false. Here is the timeline for the whole thing. 

XX/XX/XXXX : the last time that I used my card was at XXXX. 
XX/XX/XXXX : The card was charged unauthorized. When I got up I found the unrecognized charges and I immediately report it to bank. Also, I went the nearest bank to open a new saving account and transferred most of the money from the checking account. 
XX/XX/XXXX : The unauthorized activities still happened so I call the bank again. The total claim amount is XXXX XXXX Dollars. 
XX/XX/XXXX : I received and unknow call in the morning. A woman in the call said she needed me to answer some questions about the claim. She asked if the card was on my hand when it was fraud. I said yes. And she asked was it in the wallet or the purse. I said it was in the wallet. Then she said she would call again if there is further questions about the investigation. 
At the same day I received a message on my Bank of America center. The bank closes the claim and refuses to refund the money. 

Here are the reasons why I complaint : 1. I am currently a XXXX XXXX. The lost money is a huge amount. According to the transaction history, there are couple of large transactions in one day. If the investigators really analysed my purchasing habit, they would know that the transactions were against my habit. They were suspicious. 
2. If the woman works in BOA, she only asked two questions and made the decision at the same day. It is irresponsible and reckless. 
XXXX. I made a call as soon as I found the unauthorized transactions. But the card was still used at the second day. The reason that the bank refused to pay is because my PIN was entered or the signature was obtained. If the person could copy my chip then it is really possible to get my PIN. It should be banks responsibility to make sure the card is secure. 

I am so desperate now and I need the help. Thank you!

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
Its funny that a company that I have been with since XX/XX/2002, and am still a customer they have me as I owe XXXX XXXX dollars

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 — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was cyber hacked and was notified by XXXX XXXX after the faxct once i started multiple disputes of identity fraud including XXXX  XXXX then equifax said i was a victim of cyber incidemt on XX/XX/2019

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: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
We've been American Express Gold Card Members for over 5 years now with no delinquencies whatsoever. We never had an issue using our card until 3 years ago, when one month we failed to make a payment on the due date and paid the following day to bring it current and since then American Express penalized us with a pre-set limit of about ~ {$1500.00}. 

American Express sees we spend much more than that and all of the payments are made on time with no issues

Company response to consumer: Closed with explanation