vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-16 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: LEXISNEXIS
State: CA

Complaint narrative:
Lexis Nexis reported a judgement against us that was a total error. They obviously did not even read the judgement as someone sued us as well as many other named defendants. They got a successful judgement against only one of the many named defendants which was not us. I have tried to contact them several times to get this corrected. The number listed on the credit report was not a useful number and you could not reach a person or leave a message. I looked up and called 2 other numbers to no avail. This cost us a mortgage refinance and is infuriating that they apparently have no responsibility to even read the judgments they receive before posting them to peoples records. When I spoke to a manager he said they advise that their information may not be accurate but that is my problem not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX-unable to request a fraud alert with TransUnion XX/XX/XXXX-attempted to place a security freeze on my TransUnion report but I can not. I tried to create an account to do so but it says that I already have an account. I have not created an account with TransUnion and can not get through to them to get the issue resolved. I am afraid that someone has used the XXXX information ( my information was compromised ) to create an account on TransUnion. The security question was name of pet and none of the answers that I have used for prior pets is accurate. This leads me to believe that an unauthorized account was created. I was able to place a freeze on the XXXX  and XXXX reports. Thank you for your assistance.

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 2017-09-16 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: Riverwalk Financial Corporation
State: MA

Complaint narrative:
I paid off or settled with XXXX XXXX XXXX back on XX/XX/2017. I  made a total amount of payments for {$860.00}. XX/XX/2017 was when they recieved my last payment and according to the letter they sent me dated XX/XX/2017, I have a balance of {$0.00}. I owe them nothing, {$0.00}. However, XXXX according to them XXXX states I still owe them {$590.00} was of XX/XX/2017, which is inaccurate. I have already disputed this twice with XXXX  and even faxed them the letter I have directly from XXXX XXXX XXXX that my balance actually with them is {$0.00}. XXXX  and XXXX XXXX XXXX need to update my credit report accordingly to reflect the balance owed as {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have a current Bank of American cc and am working to pay it off. I applied with bank of america for a zero percent cc for a balance transfer. What Bank of America did, was reduce my existing credit line, which then caused my balance owed compared to my credit line available to only have a difference of {$1000.00}. Which then impacts my credit score. They claim I agreed to this disclosure when I applied for the credit card, apparently that is in the same section as not allowing me to sue them either.
I had to call and request that they correct THEIR error and close the recently opened card and transfer back that credit line that they used for the " new '' card, back to my old card. I was required to give them my income-again, even though I provided that to them when I applied for the zero percent cc, not even 2 weeks prior. 

They need to review this practice and correct it-as it impacts consumers credit scores negatively-which then causes interest rates to increase. 

I can not wait to get this credit card paid off and never do business with Bank of America again!!! Their shady and barely ethical business practices need to be investigated & corrected.

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 2017-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CREDIT INSURACE ON THE ACCTS THE BANK COMMITTED FRAUD AS THEY WERE PAID BY INSURANCE BUT THEY CHARGED OFF THE ACCT WHICH IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: C&F MORTGAGE CORPORATION
State: VA

Complaint narrative:
C & F Mortgage Corporation and/or XXXX XXXX XXXX XXXX  XXXX XXXX, Virginia including all of its officers, employees, agents, assignees, and successors in interest of such loan and/or property deeded to and/or titled to XXXX and XXXX XXXX ( " XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX '' ) XXXX and XXXX as representation of one or more deeds and property of heirship and ownership have been subject to discriminatory conduct since approximatelyXX/XX/XXXX or thereafter under the names of XXXX and XXXX XXXX and prior under the ownership of XXXX XXXX family. ( 1 ) In the year of XX/XX/XXXXthe officer/employee that transferred XXXX XXXX XXXX XXXX property in the approximate year of XX/XX/XXXXXX/XX/XXXX and thereafter on the " XXXX XXXX '' XXXX XXXX XXXX, XXXX XXXX, Virginia under the contracted name of XXXX XXXX XXXX and under the current name XXXX XXXX XXXX failed to notify or provide copies of this consent order, failed to properly identify appropriate parties ( heirs ) and/or failed to obtain proper signatures for a " release '' in this matter. The XXXX XXXX XXXX XXXX XXXX 's hereby certify by Champion Member, XXXX XXXX XXXX XXXX XXXX ) that a release is DENIED. ( 2 ) There is no evidence of such training for the officer/employee referred to and/or identified in documents as obtaining consent or for committing such act. ( 3 )  The release is insufficient as it pertains to the history, legacy, and value of such estate ( s ) of XXXX XXXX XXXX XXXX as well as the heirship ( s ) of the XXXX XXXX XXXX XXXX XXXX 's. Therefore, the XXXX XXXX XXXX XXXX XXXX 's hereby declare that C & F Mortgage Corporation and XXXX XXXX XXXX XXXX XXXX XXXX Virginia as well as their past or present officers, employees, agents, partners, subsidiaries, representatives, assignees, and successors remain liable for ALL claims. and ( XXXX ) The XXXX XXXX XXXX XXXX XXXX 's were not provided access to copies of the consent order entered by the Court in the United States v. C  & F Mortgage Corporation and hereby provide further notice that there will not be a release to C & F Mortgage Corporation for the estate ( s ) of XXXX XXXX XXXX XXXX, XXXX and XXXX  and/or XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
THIS IS MY SECOND COMPLAINT ABOUT THIS COMPNAY BECAUSE THEY LIED THE FIRST TIME ABOUT SENDING ME INFORATION ABOUT A DEBT THAT THEY HAVE LISTED ONMY CREDIT REPORT. AT THIS TIME I STILL HAE NOT RECEIVED ANY INFORMATION FROM THIS COMPANY AT ALL ABOUT THE DEBT THAT THEY HAVE LISTED ON MY CREDIT REPORT. ALL I HAE EVER RECEIVED IS ONE PHONE CALL AND I HAVE CONTACTED THEM SEVERAL TIMES ASKING THEM TO VALIDATE THER DEBT. APPARENTLY IT IS TIME FOR ME TO SEEK LEGAL COUNSEL BECAUSE THIS COMPANY IS CLEARLY A FRAUD AND LIES A LOT. I HAVE REPORTED THEM TO MY STATE ATTORNEY GENERALS OFFICE AND THIS IS MY SECOND COMPLAINT TO CFPB. YET THIS COMPANY CONTINUES TO EPORT FALSE INFORMATION TO CREDIT BUREAUS AND HAS NOT SENT ME ONE PIECE OF INFORMATION NOT EVEN THE ORIGNAL 609 LETTER. I HAVE SENT THEM MAIL AND THEY HAVE IGNORED IT. THANK GOD I HAVE A PAPER TRAIL FOR  LEGAL PURPOSES. THIS COMPANY SERIOUSLY NEEDS TO BE INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
THE ACCT HAS CREDIT INSURANCE THEY PAID THE ACCT IN FULL BUT THE BANK ILLEGALLY CAHRGED OFF THE ACCT WHICH IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I paid off or settled with XXXX XXXX XXXX back on XX/XX/XXXX. I made a total amount of payments for {$860.00}. XX/XX/XXXX was when they recieved my last payment and according to the letter they sent me dated XX/XX/XXXX, I have a balance of {$0.00}. I owe them nothing, {$0.00}. However, TransUnion according to them XXXX states I still owe them {$590.00} was of XX/XX/XXXX, which is inaccurate. I have already disputed this twice with TransUnion and even faxed them the letter I have directly from XXXX XXXX XXXX that my balance actually with them is {$0.00}. TransUnion and XXXX XXXX XXXX need to update my credit report accordingly to reflect the balance owed as {$0.00}.

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 2017-09-16 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX has a collection / charged off account listed on my credit report that is an account associated solely with my XXXX year old son. I have never been on the credit card with him neither cosigned nor used the his card. Both my son and I have unsuccessfully attempted to contact WF to remove this from my report 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 non-monetary relief
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My issue is with Experian ( website not working and costs $ $ $ ), XXXX ( costs $ $ $ ) and XXXX ( no security and insider trading ) for credit freezes.
My information was included in the XXXX hack and following instructions went to place a freeze on my credit report. The website does n't function and requires me to send in a variety of information over the mail. Additionally, it costs money each time I want to freeze/unfreeze my credit information.
I am 99 % certain if they had problems selling my information to others electronically they would place top priority on fixing those, but when it comes to protecting myself from the racket they are running its a pain in the @ $ .

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 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My issue is with XXXX ( website not working and costs $ $ $ ), Transunion ( costs $ $ $ ) and XXXX ( no security and insider trading ) for credit freezes.
My information was included in the XXXX hack and following instructions went to place a freeze on my credit report. The website does n't function and requires me to send in a variety of information over the mail. Additionally, it costs money each time I want to freeze/unfreeze my credit information.
I am 99 % certain if they had problems selling my information to others electronically they would place top priority on fixing those, but when it comes to protecting myself from the racket they are running its a pain in the @ $ .

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 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My issue is with XXXX ( website not working and costs $ $ $ ), XXXX ( costs $ $ $ ) and Equifax ( no security and insider trading ) for credit freezes.
My information was included in the Equifax hack and following instructions went to place a freeze on my credit report. The website does n't function and requires me to send in a variety of information over the mail. Additionally, it costs money each time I want to freeze/unfreeze my credit information.
I am 99 % certain if they had problems selling my information to others electronically they would place top priority on fixing those, but when it comes to protecting myself from the racket they are running its a pain in the @ $ .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX XXXX collection company has placed an unknown account on my credit report in XXXX 2017 without notification or validation of the debt. However I do not have a contract or signed any documents agreeing to pay XXXX XXXX XXXX on an account. I did not establish services nor did I have any written agreement to establish services with XXXX XXXX or XXXX XXXX. I am demanding proof of validation with my signed signature of the debt and proof that XXXX XXXX can collect and owns this account. If both can not be proven with documention. Then not only are they in violation of FDCPA but also FCBA. I have not received notice of this debt a right to dispute and so forth. I am requesting and showing proof not only is this the second time this has happened with illegal reporting to the credit bureaus but also not adhering to FDCPA. This account was with another violating collection company back in XX/XX/XXXXand was removed due to violations. please see the attached documents. Companies as such should govern themselves accordingly and not provide information without proper consumer notification. Violation as such can lead to grounds for a lawsuit under FCRA. I am asking that XXXX XXXX remove accounts immediately and close the account for collections.
Please see attached as to how it has been with two previous collectors who violated and one shows a XXXX balance because i never owed a balance and later XXXX XXXX decided to give it a shot at collecting a un owed debt.

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 2017-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2017 Discover had to have some mix up with their billing dept because they reported a late payment on my account of {$5.00} ... I informed them that statements were n't coming in the mail nor was a courtesy call placed that the {$5.00} would be reported late if payment was n't made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: C&F MORTGAGE CORPORATION
State: VA

Complaint narrative:
C & F Mortgage Corporation and/or XXXX XXXX  XXXX XXXX XXXX XXXX, Virginia including all of its officers, employees, agents, assignees, and successors in interest of such loan and/or property deeded to and/or titled to XXXX and XXXX XXXX ( " XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX '' ) husband and wife as representation of one or more deeds and property of heirship and ownership have been subject to discriminatory conduct since approximately XX/XX/XXXX or thereafter under the names of XXXX and XXXX XXXX and prior under the ownership of XXXX XXXX family. ( 1 ) In the year of XX/XX/XXXX, the officer/employee that transferred XXXX XXXX XXXX XXXX property in the approximate year of XX/XX/XXXX-XX/XX/XXXX and thereafter on the " XXXX XXXX '' XXXX XXXX XXXX, XXXX XXXX, Virginia under the contracted name of XXXX XXXX XXXX and under the current name XXXX XXXX XXXX failed to notify or provide copies of this consent order, failed to properly identify appropriate parties ( heirs ) and/or failed to obtain proper signatures for a " release '' in this matter. The XXXX XXXX XXXX XXXX Descendant 's hereby certify by Champion Member, XXXX XXXX XXXX ( granddaughter ) that a release is DENIED. ( 2 ) There is no evidence of such training for the officer/employee referred to and/or identified in documents as obtaining consent or for committing such act. ( 3 ) The release is insufficient as it pertains to the history, legacy, and value of such estate ( s ) of XXXX XXXX XXXX XXXX as well as the heirship ( s ) of the XXXX XXXX XXXX XXXX XXXX 's. Therefore, the XXXX XXXX XXXX XXXX   Descendant 's hereby declare that C & F Mortgage Corporation and XXXX XXXX  XXXX XXXX  XXXX XXXX, Virginia as well as their past or present officers, employees, agents, partners, subsidiaries, representatives, assignees, and successors remain liable for ALL claims. and ( 4 ) The XXXX XXXX XXXX XXXX Descendant 's were not provided access to copies of the consent order entered by the Court in the United States vXXXX C & F Mortgage Corporation and hereby provide further notice that there will not be a release to C & F Mortgage Corporation for the estate ( s ) of XXXX XXXX XXXX XXXX, husband and wife and/or XXXX XXXX XXXX XXXX Descendants.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/XXXX Opened Wells Fargo EveryDay Checking account with a bonus offerXX/XX/XXXX I met the offer requirements of at least 10 debit card purchasesXX/XX/XXXX I asked Wells Fargo if I met all the offer requirements for {$250.00} promotional bonusXX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me acknowledging that I signed up using the promotional offer and informed that I have met the bonus requirements. He also responded that the bonus will post 45 days from meeting the requirements. Wells Fargo had the opportunity to inform me if I wasnt really targeted for the promotion, but it didnt. 

XX/XX/XXXX The 45 days waiting period passed but the bonus didnt post, so I messaged Wells Fargo XX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me back saying that I will get a US Mail response within 14 business days. Wells Fargo had the opportunity to inform me if I wasnt really targeted for the promotion, but it didnt. 

XXXX/XXXX/XXXX The 14 business day period ended without any response from Wells Fargo, so I messaged them XX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me back asking for 14 more business days for a response. Wells Fargo had the opportunity to  inform me if I wasnt really targeted for the promotion, but it didnt. 

XX/XX/XXXX The 14 business day period ended without any response from Wells Fargo, so I messaged them XX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me back saying that I did not meet the requirements. Even at this point, Wells Fargo had the opportunity to inform me if I wasnt really targeted for the promotion. But they claimed I did not meet the offer requirements. 

XX/XX/XXXX I messaged Wells Fargo for the reason behind the evasive, contradictory, misleading information. 

XX/XX/XXXXWells Fargo employee, XXXX XXXX, messaged me back that I wasnt targeted for the campaign. If that is true, why on XX/XX/XXXX Wells Fargo informed me that the offer requirements were met and bonus would post in the future?

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 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion does not allow you to put a freeze on your credit through their web site without signing up for an account. Although the account is free, it requires acceptance of a " terms of service '' agreement with a bunch of nasty stipulations.

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 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After the XXXX hack I tried to freeze credit at the XXXX major agencies. 
I was able to quickly freeze at XXXX and XXXX but not at Experian. 
I used the online links I was given for the XXXX agencies. I tried multiple times but was unable to freeze credit. What should I do now? it is my credit and I can not freeze it? 
-XXXX XXXX XXXXXXXXXXXX

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