vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX a dispute was filed with Experian credit reporting agency. It took several months of writing back and forth but the information below was finally removed from my credit report in XX/XX/XXXX. On XX/XX/XXXX I tried to apply for an apartment but was denied because of the same information that was removed because of fraud, not never living there, using my ss number, plus lack of evidence, ( They have not provided no court documents or judgement from a judge for XX/XX/XXXX for XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX ) was right back on my credit report. On XX/XX/XXXX, I contacted Experian by phone and was told by a representative that I would have to re-dispute my information because they didn't know why it reappeared. On XX/XX/XXXX I pulled my credit report and it's stating that the dispute was done and the information is to remain per FCR recommendations. Now I am confused because once information is removed from your credit report it should remain removed. Now I am XXXX living in XXXX XXXX in the winter because of Experian not re-removing this fraudulent information from my credit report. Why do I have continue to suffer for their mistake!!!! Please help 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 2018-02-16 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: SC

Complaint narrative:
XXXX XXXX has names thats not me on reports also open account from XXXX XXXX date open shows XX/XX/XXXX is incorrect EQUIFAX has to account listed that does not belong to me i dispute 3 months ago they failed to show me that debt is mine i as to see validate fail to do that as well as showing XXXX XXXX XXXX OPEN XX/XX/XXXX NOT to be mine as well and a XXXX XXXX i never had any of these open XX/XX/XXXX 3 one is yes companies E open XX/XX/XXXX not showned validate for that i well on XXXX shows closed accout on XXXX XXXX XXXX open on XX/XX/XXXX has all been disputed nothing has come back to me on any of these all XXXX XXXX showing close as well but still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: SC

Complaint narrative:
XXXX XXXX has names thats not me on reports also open account from XXXX XXXX date open shows XX/XX/XXXX is incorrect XXXX has to account listed that does not belong to me i dispute 3 months ago they failed to show me that debt is mine i as to see validate fail to do that as well as showing XXXX XXXX XXXX OPEN XX/XX/XXXX NOT to be mine as well and a XXXX XXXX i never had any of these open XX/XX/XXXX 3 one is yes companies E open XX/XX/XXXX not showned validate for that i well on experian shows closed accout on XXXX XXXX XXXX open on XX/XX/XXXX has all been disputed nothing has come back to me on any of these all XXXX XXXX showing close as well but still reporting

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 2018-02-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX In the above refrenced complanit you stated information was submitted to me which is false. There will not be 30 days to reinvestigate I gave you more then 30 when I disputed the items initally. The comapny responded saying they cant locate the accounts so how were the proof submitted. Based on the credit file its states they are medical debuts. As an XXXX XXXX service member before a negative item can be added to my credit report there needs to be a court order. per the SCRA act. XXXX XXXX XXXX/ XXXX XXXX XXXX balance of {$1800.00} o XXXX XXXX XXXX/ XXXX XXXX XXXX balance of {$1200.00} o XXXX XXXX XXXX/ XXXX XXXX XXXX balance of {$64.00} o XXXX XXXX XXXX/ XXXX XXXX XXXX balance of {$42.00} dditionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by 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 2018-02-16 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: NJ

Complaint narrative:
On Thursday XX/XX/XXXX I logged into my Capital One credit accounts and noticed one of my accounts was closed. When I contacted Customer Service to inquire why this had taken place I was told that it was due to inactivity. I became very upset especially since this happened to be the oldest credit card I had and closing it would certainly have impact on my credit score.  I was then transferred to a supervisor who essentially repeated the same information. 
Of course I asked if it was possible to re-open the account and I indicated that I would certainly use it but I was told that this was not possible. 

I found this action to be extremely unprofessional especially given the fact that I have another credit account with Capital One for {$30000.00} which I use very frequently without a single missed payment. So I couldn't understand why they would close this smaller account with a significantly smaller limit of {$2000.00} and without providing any notice that this was going to take place. It became very obvious after speaking with the supervisor that this was an automatic action that takes place if a card is inactive for a certain # of months. I'm sure this automated action may seem reasonable to whomever devised this system but to not take into consideration the standing of other active accounts or consider the age of the account being closed and how it might impact a clients credit score without any notice is a perfect example of failing to provide basic Customer Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: AL

Complaint narrative:
I explicitly declined a hard inquiry to my credit report when setting up XXXX satellite service ( via recorded line telephone on XX/XX/2017 ). XXXX stated they could pull a soft inquiry, and I agreed. Upon checking my report, I see they did in fact pull a hard inquiry, which is negatively affecting my Equifax credit score. Since I explicitly declined a hard inquiry because I knew it would impact my credit, I am asking the CFPB to be my advocate with the XXXX multimedia conglomerate,  who is not responsive, or set-up to handle these types of corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: NH

Complaint narrative:
I received a loan from XXXX XXXX XXXX for {$1000.00}. I called this company 4 times and asked for these people to change my bank account information. They didn't change it, instead they continued to try to take the funds out of an account that had no money in it, causing it to go into an over draft status, thus, generating even more fees from my bank. Also, after receiving the loan, I realized that I was being charged an excessive interest rate, I looked up my state law and read that the cap in my state is 36 %. This company is charging me 515.35 %!!! This loan will cost over {$4000.00} with that interest rate. 

They are deceptive payday lenders that are hiding behind a tribal affiliation. They say that their tribe laws over ride state law? How is that? How do they legally charge over 500 % interest?! 

Never again, especially with this company. Its criminal that they take advantage of people that are clearly already struggling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I purchased a 3 year / 36,000 mile lease on a new XXXX XXXX XXXX with 2 additional lease protection items : BMW Tire & Wheel Protection with cosmetic repair, and, Excessive Wear & Tear Protection. 
I purchased my lease through BMW Financial Service at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, PA. 
My down payment was {$7300.00}. 
The additional costs of the Tire & Wheel protection package was {$1500.00} and the Excessive Wear & Tear was {$1700.00}. 
On XX/XX/XXXX, I ran over a pot hole that caused significant damage to the driver 's side front tire. 
On XX/XX/XXXX, XXXX XXXX XXXX informed me that the damaged tire would have to be replaced, and was covered by the Tire & Wheel Protection plan ( subject to a {$50.00} deductible ), and that my other 3 tires would have to be replaced as well, at a cost of roughly {$1400.00}. 
As of XX/XX/XXXX ( when my vehicle was towed to XXXX XXXX XXXX for repair ), the mileage on my vehicle was XXXX miles. 
My vehicle and/or tires are defective. 
I have less than 10k miles ( in 17 months ) and I am expected to replace all of my tires because of damage to 1 tire. 
My 3 year lease includes 36,000 miles. If I have to replace all 4 tires, every XXXX miles, that is {$4200.00}. Adding that cost to the cost of the protection package ( {$1500.00} ), then the costs for tires alone, over the term of my lease is {$5700.00}. 
BMW NA advertised my new vehicle lease through BMW Financial Services, as " No-cost maintenance ''. 
Spending {$5700.00} for tires over the course of my 3 year lease is significant cost, not " no-cost ''. 
XXXX XXXX XXXX took off the cost of 1 tire 's replacement, so my bill for 2 tires + {$50.00} deductible was {$730.00}. 
I have contacted BMW NA and BMW Financial Services and have not received any appropriate responses. 
While BMW NA did not manufacture my tires ( XXXX did ), they did manufacture my car, and the tires that came with my car were at their discretion, not mine. BMW NA and BMW Financial Services have deceived me into purchasing defective products with no recourse other than to fulfill the terms of my 36 month lease. 
Defective products and false advertising were offered to me with no suitable recourse other than to continue paying exorbitant charges and fees on said defective products. 
BMW NA and BMW Financial Services ( my lease agreement ) are behaving irresponsibly and acting in bad faith. 
It is not appropriate for a " new vehicle no-cost maintenance '' 3 year lease to incur {$5700.00} in additional costs for tires. It is unacceptable.

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 2018-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
. I have a banking account at Bank. I deposited a check last week into my account and Im having a real bad experience with the bank. I called to see where my funds are and somehow nobody knows where they are. I was wondering if you can help we with locating my funds. 

Thank you for your time,

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 2018-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX has provided false report to the credit agencies that is destroying my credit. I paid XXXX in full last year when I left them and XXXX XXXX tried to collect debt I did not owe to them last year for the same thing as well. They removed thier false report after I showed the receipt of my payment to XXXX but this Diversified is not removing the false information and they are ruining my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16 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: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
NEW AMERICAN FUNDING via XXXX XXXX The above is listed multiple times ( 3 times to be exact ) on my credit report. I only granted permission ONCE for them to run my credit. The date I did give permission was XX/XX/2017. All other dates are fraudulent on their part. 
The company stopped responding to my requests I would like the inquiries removed from all three bureaus as I didn't request this. I would also like my score updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Lost my card and got new credit cards. Once I activated them, I was unable to access my old account to settle my balances. Balance was due in 5 days. Customer service rep in XXXX told me to wait 5 days as it would take that much time to transfer everything over. I did not want to wait to give them my money. Asked for supervisor, and they transferred me to XXXX XXXX to a man name XXXX. XXXX also could not help and refused to give me the name of his supervisor. I simply want to pay my bill in full and close out 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 2018-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: City Enterprises, LLC
State: TN

Complaint narrative:
XXXX XXXX is reporting on credit twice and it needs to be permanently deleted from all 3 credit bureaus immediately!

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 2018-02-16 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: GA

Complaint narrative:
Previously disputed a Chapter XXXX bankruptcy reporting on credit report. Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted. Credit bureau responded that investigated and found information to be accurate. However, credit bureau has not and continue to omit any requested documentation proving verification. I have contact court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties.

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 2018-02-16 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: GA

Complaint narrative:
Previously disputed a Chapter XXXX   bankruptcy reporting on credit report.  Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted.  Credit bureau responded that investigated and found information to be accurate.  However, credit bureau has not and continue to omit any requested documentation proving verification.  I have contact court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX  has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: GA

Complaint narrative:
Previously disputed a Chapter XXXX bankruptcy reporting on credit report. Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted. Credit bureau responded that investigated and found information to be accurate. However, credit bureau has not and continue to omit any requested documentation proving verification. I have contact court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties.

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 2018-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit report and they are not listed under the Tennessee verify site and I want them to be permanently removed from my credit file immediately from all 3 bureaus!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Recoveries, Inc.
State: NY

Complaint narrative:
I dont think its fair for this to show up on my credit report when they get a grant for me attending

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Pro Collect Inc. in XXXX Tx representative threatened to reage 7plus years debit after it has already been completely removed from all 3 credit bureaus only one amount was on there from them which was {$550.00} now they are adding 4 more years are ( XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ) all from the past. I received an invoice of {$400.00} which is not on my credit report but they are putting it back it's been over 10yrs for  this one. I spoke with the representative on XX/XX/XXXX around XXXX @ XXXX a female she only seen this one but we got disconnected and so I called back in a male answered XXXX at XXXX and told me he see the one 's in the past that need to be paid and if I don't they'll place them all back on my credit report. I advice him that they've been off for years now and he stated it's Texas they can be put back on for up to 10years.

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 2018-02-16 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: FL

Complaint narrative:
I requested a report from exprian and they do not remove any of the fraudulent items that were fraudulent after calling in 9 times they told me not to call back anymore and because they can't do anything but the fraudulent items are still ruining my credit

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