vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-01 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: CA

Complaint narrative:
Hello, and i am a victim of inacurate and false information reporting by credit bureaus. I have submitted claims many times with all attached documentarion regarding the claim and everything thats neccesary to resolve it including police report. Credit bureau did not help me and many times even ignored my claims. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a account witth XXXX paid in full that I closed on XX/XX/2005 It still shows on my exuifax credit report. I was told the limit was 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
At Experian, and XXXX XXXX, the later couldn't let me through, and Experian would not continue the prompts online, making it frustrating. My room mate, XXXX got hers, but I could not. I need it to rent an apartment, or I will be homeless!! please tell me how I can get my report. Thank you, 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 non-monetary relief
Consumer complaint received 2018-12-01 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: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NAVIENT XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX/NAVIENT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account TD AUTO FINANCE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that TD AUTO FINANCE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account BEST SERVICE COMPAN XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that BEST SERVICE COMPAN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have asked on numerous occasions, via email, to provide verification by producing a valid original instrument of indebtedness in its original form. All emails went unanswered. They are ignoring and/or overlooking my requests ; they keep resending, via standard mail, the same document, a statement, which is not a valid document to verify an account is 100 % verifiable and 100 % accurate per FCRA and FDCPA. In each and every month of the last 6 months, the account gets removed from my credit reports, to later be reinserted, with no reinsertion letter delivered within 5 business as required by Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
US Bank has a history of conveniently posting transactions 7-10 DAYS after the transaction is made. The transaction will show in your available balance, and then disappear, leaving it extremely difficult to manage an account using their online banking system.

On XX/XX/XXXX, at approximately XXXX XXXX, my account was positive, though held a balance according to them of just under {$1.00}. On XX/XX/XXXX, a deposit was made to the account to fund the account per my spouses pay check. US Bank posted transactions made a WEEK AND A HALF prior in the overnight hours prior to the deposit, causing the account to overdraft and subsequently charged an overdraft fee. In my attempt to resolve the issue, the customer service representative became argumentative and tried to school me on the status of an account that I check MULTIPLE times a day. While I no longer wish to use this Bank, as they have a history of treating their customers like numbers, I want the overdraft fee that I was unfairly assessed refunded to my ch
ecking 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 explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: CA

Complaint narrative:
At XXXX, and Credit Karma, the later couldn't let me through, and XXXX would not continue the prompts online, making it frustrating. My room mate, XXXX got hers, but I could not. I need it to rent an apartment, or I will be homeless!! please tell me how I can get my report. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I contacted XXXX XXXX about a debt for capital one credit card. I told them this was not my debt and that they needed to send me a verification letter and they have yet to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WHEELS FINANCIAL GROUP, LLC.
State: MO

Complaint narrative:
In XXXX of XXXX, my car went missing from a parking stall. It was a XXXX XXXX. I assumed that the car was towed because I was in a tow parking spot, in which I did not have the money to pay them so I did not think twice about trying to figure out where it went. A few years later i found out that my car was taken by XXXX XXXX XXXX, which is a pay day loan place for cars. I explained to the representative that I never got a pay day loan on my car and requested documentation on the car that showed where I got my car from. The lien on the car was for rougly {$3000.00} and and they wrote off XXXX and is still reporting a balance of XXXX. All of which I do not owe because I never took a lien out on my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: FL

Complaint narrative:
The account was closed because I went with a new insurance company 2 years ago. This account has been removed by other reporting agencies except this one.

For the amount of 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 2018-12-01 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: FL

Complaint narrative:
Report # XXXX for XX/XX/18. Account Name : XXXX XXXX XXXX. Account # XXXX. Date Opened : XX/XX/2009. Payment status : Account transferred to another office. Creditor contact Information : XXXX XXXX XXXX XXXX, IN XXXX. Phone number XXXX. Experian is reporting this account as " unknown '' in my credit file. This contradicts the payment status listed as " account transferred to another office. '' Experian very well knows a transferred account is considered a closed account. Experian also knows that a " transferred '' status is considered final, meaning the account is no longer active. The term " closed '' is used to describe revolving accounts, such as credit cards, that are no longer available for charges, so it would not apply to student loans, which are installment accounts. This is an education loan, thus the term " closed '' does not apply. The " terms '' for this account is also reported as " unknown '' which is incorrect. As you can see, Experian is not reporting this account 100 % accurate. This account is current and the payment status should reflect accurate information. Furthermore, this account was transferred more than seven ( 7 ) years ago and should be deleted immediately. A reinvestigation for this account is requested. Please provide the method of verification and the source which verifies the information. I have attached a copy of my Experian credit file with the errors highlighted.

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 2018-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I obtained a roll to perm loan from XXXX XXXX XXXX. The construction period loan was closed on XX/XX/XXXX. Despite the construction being incomplete, XXXX XXXX XXXX   requested me to sign a loan modification known as a Roll to Perm. This loan closed on in XX/XX/XXXX. I objected to payments, which were to be made from the funds not yet disbursed from the construction loan. Nevertheless, I made payments on a time basis to XXXX XXXX XXXX   XXXX. In XX/XX/XXXX, XXXX failed and FDIC took over the banks assets. FDIC assigned the note, mortgage, etc. to XXXX XXXX. However, I have recently learned that XXXX claims to own the roll to perm loan dated XX/XX/XXXX. This makes me wonder who was receiving my monthly payments. XXXX XXXX subsequently transferred the loan to Ocwen, who then transferred the loan to XXXX, who then declared a default in the mortgage and filed a foreclosure against me. Most recently XXXX assigned the mortgage to XXXX XXXX as trustee of some trust. Long story short, no where did I receive notification of any assignment from XXXX XXXX XXXX to XXXX. Had I know XXXX was the holder or owner of my note, I would have requested the loan to be redone as I suffered major XXXX XXXX and am XXXX  ever since. Is it possible for the someone to confirm who is the holder or owner of my note.?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am eligible for student loan discharge of 15 % under the National Defense Student Loan discharge program, which discharges portions of loans by certain percentages, on request, based upon time in a combat zone. I have served a year on a deployment and requested this benefit. I requested the benefit through my servicer, Navient, in XX/XX/2017. They denied the request saying it was for XXXX loans only. that is incorrect, it is for XXXX XXXX as well. See the actual code of the law XXXX XXXX XXXX ( 1 ) An institution must cancel up to 100 percent of the outstanding balance on a borrower 's Federal XXXX or XXXX loan for a borrower 's full year of active duty service that includes XX/XX/2008, or begins on or after that date, as a member of the U.S. Army , Navy, Air Force , Marine Corps , or Coast Guard in an area of hostilities that qualifies for special pay under section 310 of title 37 of the United States Code .

( 2 ) The cancellation rate is 15 percent for the first and second year of qualifying service, 20 percent for the third and fourth year of qualifying service, and 30 percent for the fifth year of qualifying service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX   XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I received numerous documents in the mail from Capital One Bank telling me that I was prequalified to receive a new credit card from them ... They included a preference code as well as Security code to use online or when I called them in person to get accepted for this credit card ... I think that was just to bait me into their scheme.. Now get this, I have an XXXX credit score with all 3 credit bureaus and Capital One declined the credit card issuance to me after making me, the applicant go through their online website, and go through their lengthy online credit card application and then tell me that I am not approved with no reason ... They gave me no valid reason for declining me the credit card and now furthermore, I am now getting dinged on my credit reports with the 3 credit bureaus and loosing points on my credit scores with these 3 credit bureaus because off these jokers /misfits /or plain scam artists ( whatever you want to call them ) that they knew they couldnt make any real money off of me, while they say that you can pay up to XXXX % interest rate on the outstanding credit card balances based on the applicants credit worthingness. These type of banks should be penalized, fined, and I should be have my credit score returned to the proper level and score before these jokers got involved ... .. If you dont do anything about these type of business procedures, then you are not doing your job as well and should terminate your operations as well ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX   XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
This is my not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: FL

Complaint narrative:
I previously disputed two accounts on my credit report. XXXX XXXX sent me a letter that both accounts were being removed from my credit report. One account continues to report on my Transunion report. I've contact XXXX XXXX who stated someone will be contacting me but to no avail.

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 2018-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I signed up for the XXXX XXXX XXXX card ( with XXXX XXXX ) from Chase Bank. I signed up under an offer where I would receive 50,000 bonus miles after spending {$3000.00} in the first 3 months after opening my account. However, when I went to purchase a plane ticket with XXXX, less than an hour after I applied for this credit card, I discovered another offer where I would receive those bonus miles, and also a {$100.00} statement credit after my first purchase. I contacted Chase to see if I can receive that promotion, both through phone and XXXX Messenger, and was told that I could not change my application to receive that offer. It did not seem that I would be able to change or cancel my application without affecting my credit score. It appears that Chase is using this mere technicality as an excuse, and do not care about me as a customer. I have attached a screenshot of the offer I have mentioned here, and would like Chase to honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I Was charged for {$280.00} by " XXXX XXXX XXXX '' in which I have no recollection of for such services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Around XX/XX/2018 checks were deposited into my account using an atm and that multiple transfers were the made out of my account totaling up to {$3000.00} but they did not come from me. The bank did not even notify me that they were putting a freez on my account yet along starting and investigation. I didnt find this out until I tried to log onto my mobile app and could not so I had to call them. When I called they told me thats when they told me about the checks I told them ok well they did not come from me.usaa then said they were doing an investigation and that it would take four to five business days and would be in contact with me. Two weeks went by and I still didnt hear anything. When I called back I got the run around and nobody could give me an answer on what was going on with the investigation it was also at this time that I found out they were closing my account. The XX/XX/XXXX rolls around and Im expecting this to be handled ... no Usaa then takes my retirement pay ( my only source of income ) saying that the I owed then for the bad check, mind you they still have not given me any information on whats going on with the fraud investigation. By this time no one has giving me any information and I was told that their fraud department would get in contact with me with in 3 to 5 business days and yet again I hear nothing. Today XX/XX/2018 I called them because my deposit was not made into my new account. The deposit was made into this same account that they said they were closing.usaa then says they took the rest of the money owed to them and that there were remaining funds in my account but I dont have access to it and they would have to get approve to release it to me. Once I go off one the rep about that on top of the fraud investigation I was transferred to a supervisor who then looks into it. Im then told that the investigation was completed and that they found me responsible. I ask how am I responsible when these transactions one were not authorized by me and two were in a complete different town than where I live. I was then told well thats what our investigation decided and that I should call back Monday to check the status of if I still owe them money. This is the second time this year there has been fraud on my account with them. You would think after banking with them for more than 6 years they would be a little more helpful instead of putting me in a bad situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation