vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-09 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:
I took out a private student loan in XX/XX/XXXX with a company called XXXX XXXX XXXX, which I paid back in full by XX/XX/XXXX. For whatever reason the company incorrectly reported my XX/XX/XXXX payment as being late to all three credit bureaus. I disputed the late payment to the company as well as XXXX, TransUnion and XXXX. The company never sent me any kind of paperwork validating the accuracy of the debt. However, both XXXX  and XXXX  immediately removed the inaccurate information from my report. TransUnion somehow " verified '' the information as accurate and there have been multiple disputes since and it always comes back as verified. I have asked TransUnion for the documentation they obtained in their investigation in accordance with FCRA 609, but all they provide me with the word " verified ''. I believe TransUnion has violated my rights as a true investigation would have proved that this information was inaccurate.

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 2018-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Some time in XX/XX/XXXX, or somewhere close to that year, these two men a XXXX one and a XXXX one came to me and told me that they were going to put a lien on my house after they asked me if I had a house. I told them that I was not paying the debt because I had no income or job. They had me to sign something to which he told me that they would place a lien on my house if I did not pay the debt when I got a job. In XX/XX/XXXX, I got a job and was working on paying some people that I had borrowed money from and was going to add the law suit in as soon as I could. However, without contacting me that had a Sheriff to serve a garnishment at my job to embarrass me. They set an amount without notifying me of {$310.00} or something like that. I went to the court to file a slow payment because of these people continued viciousness I don't know what to do. Since I filed to pay {$20.00} a month I have done just that and on Friday, XX/XX/XXXX, some lady called and asked to speak with me and started asking for my social security number and date of birth and address and I would not give it to her. I asked her what did she want with me and she needed to verify the call or she would have to disconnect the call. We did this back and forth twice and I told her I was not giving her any info I didn't know her or why she was calling me. I then disconnected the call. She stated she was representing XXXX and XXXX and phoned me from XXXX. I am paying the garnishment to Capital One via the Collection Agency and they should not be contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: CA

Complaint narrative:
Ist the XXXX XXXX - reported erroneously that I was over 30 days late, which I was not - they even reported before 30 days Payment is Due every XXXX of the Month - which was Paid on the XXXX ( see attached payment from my Bank ) XX/XX/XXXX XXXX XXXX reported I was 30 days Late - I received an email from Experian, XXXX  and XXXX on XX/XX/XXXX that my Credit Score dropped 100 points because of this - as mentioned above payments are Due on the XXXX - which means it is not Late until XX/XX/XXXX ( I immediately filed Disputes with each Credit Agency on the XX/XX/XXXX after the payment was cashed and 12 days before it would be late ) I guess they did there diligence - and ask XXXX XXXX if their report was correct, which again it was well within the time frame and if they did not have payment - it still had another 12 days before it was late. 

This is ludicrous that they report me late before the day and after they were paid?? 

( so I pulled the month prior XXXX payment same thing paid and they received well before due ) XXXX XXXX needs to be Disciplined - meanwhile, because of the false reports, my Credit is Devastated my FICO Score

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 2018-12-09 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: MO

Complaint narrative:
Being a victim of fraud is no fun nor is it easy to get fraudulent items removed. The following two accounts only shows on Experian, when the other 2 agencies rightfully blocked them. These accounts are not mines and I'm respectfully requesting that they be removed. XXXX  XXXX loan, and XXXX XXXX XXXX XXXX. If your investigation come back as accurate via electronically then please as a consumer I have the natural right to have physical documentation from my accuser, in accordance to the FCRA law.

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 2018-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LendingUSA
State: CO

Complaint narrative:
On XX/XX/2018 I financed a Puppy from XXXX XXXX ( XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX ). The total of the finance should have been {$1600.00} ( which I have the receipt ). I was informed that I was approved for the finance charge and was only told to sign the computer screen and that I would be emailed paperwork from the lender in 24-48 hours, which I never received. When my first bill came from the lender ( LendingUSA ), I noticed that it was in the amount of {$1800.00},,,, {$200.00} more than what I was financed for. I contacted the store ( Pet City ) and they stated that I needed to contact the lender ( LENDINGUSA XXXX XXXX XXXX XXXX TX XXXX XXXX ). I contacted the lender and they stated that they charge a {$130.00} fee for opening the account. I informed them that this was not disclosed to me at the time of purchase and all they stated was that I signed the paperwork ( which I did not receive any paperwork from XXXX XXXX ). I called XXXX XXXX back and spoke with the owner ( XXXX ) and she stated that she did not know that the lender was charging a {$130.00} fee for financing with them and that she only charged the amount of the purchase ( {$1600.00} ), which later on, I also found out the company ( XXXX XXXX ) actually charged an additional {$75.00} for supplies I did not purchase. The owner stated that she would contact the financial institute and discuss the issues and contact me back. I did not hear from her for over a week, so I had to contact the owner back to see if there was any resolution. All she said was that I needed to take up the problem with the financial company and that it was not her problem. I informed her that she did not disclose this charge to me before the purchase was made and that I did not receive any disclosure of paperwork from the financial company in the 24 - 48 hours that she said. I feel that she withheld information about the {$130.00} charge, which she claimed she knew nothing about and stated that she would not work with the lender if they are charging the fee. I informed her that I could have put the charge on another credit card, if I were informed that there was going to be charged a {$130.00}. I feel that this is a fraudulent way of starting a line of credit without disclosing any information on the financial charge.

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 2018-12-09 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: VA

Complaint narrative:
I wrote EXPERIAN to dispute an inquiry listed on my personal credit report and I received some excuses why Experian did not act upon the disputed item or provide any documentary evidence to support the fact my credit file was released without permissible purpose. My dispute letters were mailed on the following dates : XX/XX/2018, XX/XX/2018, XX/XX/2018 Certified Mail, and a second copy of all prior disputes mailed on XX/XX/2018. [ XXXX XXXX XXXX, XX/XX/2018 ] is listed on my personal credit report and there is no indication of any account with this lender and XXXX  XXXX has refused to produce any proof of any credit application as required under 15USC, Chapter 94, and 12CFR 1002.12 requiring the lender to retain records for 25 months. My last dispute with Experian did not indicate that the INQUIRY in dispute was ever investigated, the dispute results indicate [ OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT ] and this inquiry from [ XXXX XXXX XXXX - XX/XX/2018 ] remains with no record it was ever re-investigated per my dispute letter of XX/XX/2018. This inquiry has been disputed four times with Experian and two times with XXXX XXXX, I was not provided any documentation that the inquiry in dispute was ever investigated or verified by anyone, including the XXXX computer. I also asked EXPERIAN to remove any non-account holding inquiries and that request was also ignored by their super computer.

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 2018-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I received a phone call from Bank of America. They informed me that my account had been hacked and closed. They labeled me a " liability '' and said i I was going to be unable to open another account with them, and moved onto a set of questions. Asking for my social security card number over the phone, which seemed illegal to me, so I refused to give that information to the person whom called me. So I ask the who, what, when, where and why of things and ... no answers. They said they could not disclose that information over an open line and told me to come into my nearest Bank of America the next day. Long story short, all I got the next day when I got there and spoke to the bank manager was one phone number to the risk department. Called them and they said my account was not hacked so they don't know why it was closed or why the manager would lie to me about the issue. Basically, no answers from them either.

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 2018-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: SC

Complaint narrative:
The date I received the letter was on XX/XX/2018 from Phoenix Financial Services.

The amount this company says I owe is XXXX.

It shows that Phoenix Financial bought the around from XXXX XXXX XXXX. I don't know who they are either.

Why are they contacting me and I'm not sure if my identity was stolen. Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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:
My identity has been compromised inwhich resulted in fraudulent accounts being opened in my name. Im requesting that the following account, XXXX  {$10000.00} be removed from my report. I have challenged this before but never thru these channels, hoping this time it be removed, or supported by physical documentation to valid the claim. If not then this account shall be removed 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 explanation
Consumer complaint received 2018-12-09 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:
My identity has been compromised inwhich resulted in fraudulent accounts being opened in my name. Im requesting that the following account, XXXX {$10000.00} be removed from my report. I have challenged this before but never thru these channels, hoping this time it be removed, or supported by physical documentation to valid the claim. If not then this account shall be removed 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 explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I discovered a collection account that XXXX XXXX on my credit report on XX/XX/XXXX by  XXXX XXXX XXXX when I took my child to XXXX XXXX in XX/XX/XXXX. I called the collection service and the hospital and dispute the amount of the bill which was {$1500.00} I sent them both documented proof that on the date of service I did had valid and billable insurance when I spoke with the representative at the hospital in the billing department it was discovered that the hospital filed with the insurance the wrong billing code under mental health instead of medical servics. she told me this was a hospital XXXX and since two years had passed she don't think that the insurance company would pay and this was a billing and coding error in the hospital billing department. XXXX XXXX  account was taken off of my credit reports within 90 days. yet on XX/XX/XXXX I discovered that the hospital has once again place the same account with a balance of {$1500.00} back on my credit report again with a different collection agency called XXXX XXXX XXXX and I am disputing it once again with the hospital and with the collection service with those same document showing that on a date of service I had valid and billable 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 2018-12-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Problem with Equifax deleting a collection from XXXX XXXX XXXX. Wrote several dispute letters to remove XXXX XXXX XXXX XXXX dollar XXXX XXXX collection from XX/XX/2013 Wallet and checkbook was stolen a month before in XXXX. Police report was filed. XXXX XXXX  closed account before XX/XX/2013. XXXX  and XXXX  correctly based on theft fraud check

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The company XXXX funding sued me without a subpoena or notification, now many years later they are garnishing my wages without any notification. The company also can not provide any information regarding the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: VA

Complaint narrative:
I wrote TRANSUNION to dispute an inquiry listed on my personal credit report and I received some excuses why TRANS UNION did not act upon the disputed item or provide any documentary evidence to support the fact my credit file was released without permissible purpose. My dispute letters were mailed on the following dates : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and a copy of all prior disputes mailed on XX/XX/2018 to their registered Agent. [ XXXX XXXX XXXX, XX/XX/2018 ] is listed on my personal credit report and there is no indication of any account with this lender and XXXX  XXXX has refused to produce any proof of any credit application as required under 15USC, Chapter 94, and 12CFR 1002.12 requiring the lender to retain records for 25 months. My last dispute with TRANSUNION did not indicate that the INQUIRY in dispute was ever investigated, and a copy of my credit report was included with no identifiable changes. This inquiry from [ XXXX XXXX XXXX - XX/XX/2018 ] remains with no explanation it was ever re-investigated per my dispute letter of XX/XX/2018. This inquiry has been disputed four times with TransUnion and three times with XXXX XXXX, I was not provided any documentation that the inquiry in dispute was ever investigated or verified by anyone, including the XXXX computer. I also asked Trans-Union to remove any non-account holding inquiries and that request was also ignored by their super computer.

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 2018-12-09 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 been reporting of an identity mix-up on my credit reports ( XXXX, XXXX, Experian ) since 2013. I have filed two police reports and spoken to all 3 credit reporting companies with no success. I am unable to open bank accounts at US national banks or obtain credit because the security questions needed to open such accounts are not my questions. They are questions that pertain to another person by a similar name similar birthday as me. I have the name of the person my identity is being tangled up with but all 3 reporting agencies tell me there is no problem.

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 2018-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern, I opened the Citibank account for the {$400.00} bonus. The terms of the account is to have {$15000.00} by 30 days of opening and you will get the bonus. I opened my account in XX/XX/XXXX and I still have no received my bonus as of today in XX/XX/2018. I deposited the amount needed for the bonus in time! I was sent an email that I didn't qualify for the bonus and I immediately called them a couple of months ago. The representative double checked I had all the things needed to obtain the bonus and they confirmed and put a note on my account that I do qualify for the bonus. I asked if there was a way to expedite the process and make a claim to make sure that I get the bonus. They responded to me that I was not able to make a claim until XX/XX/XXXX. I was on vacation so I was not able until later on. I again tried to contact Citibank and I finally filed a claim 1 week ago. They said they will respond in 2 days but I haven't heard no response yet. I will attached the claim number upon request.

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 2018-12-09 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 been reporting of an identity mix-up on my credit reports ( XXXX, Transunion, XXXX  ) since 2013. I have filed two police reports and spoken to all 3 credit reporting companies with no success. I am unable to open bank accounts at US national banks or obtain credit because the security questions needed to open such accounts are not my questions. They are questions that pertain to another person by a similar name similar birthday as me. I have the name of the person my identity is being tangled up with but all 3 reporting agencies tell me there is no problem.

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