vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 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: Lending Club Corp
State: NY

Complaint narrative:
LENDING CLUB CORP reported my account as CHARGED OFF, while was depositing my checks till XX/XX/2019. I found out LENDING CLUB SOLD my loan to XXXX XXXX on XX/XX/2019. I contacted XXXX immediately & negotiated PAY OFF on XX/XX/2019. I received confirmation letter from XXXX that my account PAID IN FULL. therefore Lending Club should remove derogatory mark 'charged off ' from my credit report & post 'paid in full ', which Lending Club refuse to do & keep negative mark on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
Around XXXX of 2019 I had a collection placed on my account from a company called XXXX. XXXX reported that they were collecting for XXXX XXXX XXXX. Well after speaking to XXXX corporate office ( XXXX XXXX is no longer open and was bought out by XXXX ) the account was deemed fraudulent and was removed. I've never had XXXX XXXX nor did I authorize anyone to open an account in my name. The account was removed from my credit reports XXXX XXXX. Now a company called IC Systems is reporting the same debt on my credit files. I wasn't even notified before they placed the debt on my credit reports. I spoke to a representative who informed me they have a PO Box on file. I informed her I don't have a PO Box . IC Systems is also reporting the account opened with them XXXX of 2019. That is not even possible because the account with XXXX wasn't removed from my credit reports until XXXX of 2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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:
Experian and XXXX  report XXXX XXXX XXXX   opened on XX/XX/XXXX and Closed XXXX. I strongly believe that this is an identity theft and I had no connection with above installment loan. I disputed inaccurate information with above companies ; however, I did not receive any satisfactory answer. The only information they have provided is to add a statement on my report. They did not provide information about how they verified the info, what are the sources.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have express my concerns to the different credit bureau agencies that my name is reporting incorrect. I have asked them to delete this information. I have submitted proof of this matter. The credit bureaus agencies are violating the FCRA by adding inaccurate and false information o n my report, that has led to denied loans, and a bad history. these issue has prevent me to better opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have express my concerns to the different credit bureau agencies that my name is reporting incorrect. I have asked them to delete this information. I have submitted proof of this matter. The credit bureaus agencies are violating the FCRA by adding inaccurate and false information o n my report, that has led to denied loans, and a bad history. these issue has prevent me to better opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 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: NY

Complaint narrative:
I have a XXXX XXXX account with an account number ending in XXXX. I wrote to the bureaus requesting an investigation into this since I didn't feel it was reporting accurately. 

I received a response from the bureaus saying it has been verified, yet I got a letter from XXXX XXXX which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify this properly therefore it should no longer be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: NY

Complaint narrative:
I have a XXXX XXXX account with an account number ending in XXXX. I wrote to the bureaus requesting an investigation into this since I didn't feel it was reporting accurately. 

I received a response from the bureaus saying it has been verified, yet I got a letter from XXXX XXXX which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify this properly therefore it should no longer be on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: NY

Complaint narrative:
TRANSUNIon does not allow me a mechanism for placing a permanent credit freeze not for erasing all information from their records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX and XXXX report Ally XXXX loan opened on XX/XX/XXXX and Closed XXXX. I strongly believe that this is an identity theft and I had no connection with above installment loan. I disputed inaccurate information with above companies ; however, I did not receive any satisfactory answer. The only information they have provided is to add a statement on my report. They did not provide information about how they verified the info, what are the sources.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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:
XXXX  and Equifax report XXXX XXXX loan opened on XX/XX/XXXX and Closed XXXX. I strongly believe that this is an identity theft and I had no connection with above installment loan. I disputed inaccurate information with above companies ; however, I did not receive any satisfactory answer. The only information they have provided is to add a statement on my report. They did not provide information about how they verified the info, what are the sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
Two deposits were made today {$470.00} and one for {$410.00}. XXXX USAA is withholding {$680.00} of those payroll checks. 
I tried to resolve with going to a supervisor to no avail. 
I believe it is illegal to keep that much of a payroll check I would like to issue an investigation into this situation. It is not the first time funds have been held with no rhyme or reason or consistency in their policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: OLIPHANT FINANCIAL, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX reported my account as CHARGED OFF, while was depositing my checks till XX/XX/2019. I found out XXXX XXXX SOLD my loan to OLIPHANT FINANCIAL on XX/XX/2019. I contacted Oliphant immediately & negotiated PAY OFF on XX/XX/2019. I received confirmation letter from Oliphant that my account PAID IN FULL. therefore XXXX XXXX should remove derogatory mark 'charged off ' from my credit report & post 'paid in full ', which XXXX XXXX refuse to do & keep negative mark on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
Received a collection letter from EOS CCA, that started in about XXXX at which time I called and they stated whom the dept was owed. I called XXXX and was told that not only could they not find such a debt but the account number given does not match any records they have. I also called XXXX and XXXX XXXX XXXX my actual provider ) and the same response was given, they can not find any debt owed nor any account number that matches. I was also told by XXXX and XXXX that they did not even provide services in the area in which I live and still don't. I called back to the collection agency and was told they would check and get back to me. Within a month I was getting the same bill. I have both called and sent letters XXXX XX/XX/XXXX and XX/XX/XXXX ) trying to get this resolved, and everything I found out in my own investigation. I will hear nothing for a while then the letters start again. It is getting tiresome and I would consider this harassment. Not only are the letters and calls annoying and harassing but they have put this debt on my credit report! I do not know how to get through to them that this has never been my dept. I have repeatedly asked for proof that this is my dept and have never seen anything nor have I been given the number of someone I could verify this dept with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST FINANCIAL BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX, I went to First Financial to get an ATM withdrawal of {$150.00}. When I attempted to get the {$150.00}, the machine informed me that I must withdraw in {$20.00} increments. So I entered {$160.00} ( I knew I was close to my balance, but believed that if I was over my balance, it would let me know if I did not have enough funds. ) The money was issued. I did not look at my receipt to notice that my balance was now - {$9.00}. It took me a few days to notice not only was my account negative, but they charged me an overdraft fee of {$37.00} on my ATM withdrawal. And when additional monthly charges for XXXX XXXX ( {$4.00} ) and XXXX (  {$16.00} ) they paid those and charged addition overdraft fees. When I went to a branch spoke to a branch representative about my account, I asked why would they pay these minor charges then charge me overdraft fee. They informed me that I have an " Overdraft Protection Program '' on my account that allows First Financial to pay incoming charges, but they charge {$37.00} for each occurrence. I told her I never agreed to that and signed a document stopping this practice. ( They automatically add it to your account unless you specifically decline it ... but you do not know it even exists ). This is way to rack up fees at the expense of their customers. Had they declined the ATM ( as most other banks would have ) I would have chose a lower amount than to experience an overdraft fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I have the absolute.legal right under Federal Law to file a complaint against Valley National Bank without it taking the vindictive action of closing my accounts as per the letter of First Vice President XXXX XXXX dated XXXX XXXX closing my accounts on XXXX XXXX! This is obstruction of justice which is a felony!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: LendUp Loans LLC
State: WI

Complaint narrative:
I am attempting to cancel a credit card. I called the customer service line provided on the back of the credit card on 3 separate occasions on XX/XX/19 and XX/XX/19. First, it's pretty difficult to actually get to a customer service representative ( CSR ) and when I finally do and inform the CSR I wish to cancel the card, the CSR 'checks ' my account and then informs me another department has to process the cancellation and provides me a number to call. The number provided is the same number I dialed to get to the CSR I'm talking to. When I inform the CSR of this fact the CSR insists it's the only number available. I ask to speak to a supervisor and the CSR refuses my request. I have also sent emails ( X2 ) to their customer support email address requesting the card be cancelled with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XX/XX/2019 I receive a negative mark against my credit for missed payments or XXXX. I know for a fact that I paid these payments, which were processed online. As you can see I have been a long time customer with who's always made timely payments. I was never notified by email or by phone to inform me that there was an issue with my account. I found out when I obtained a letter from capital one informing me of a missed payment in XXXX in which I took care of it immediately. I contacted Capital One and they were of no assistance. Basically told me it, is what it is. I wasn't happy with that approach and wasn't heard out. I was so upset that I mailed out a letter to the company on XX/XX/19 and I have heard nothing from them since. I made a copy and will attach the letter I mailed to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: NJ

Complaint narrative:
Equifax is reporting incorrectly a collection on the XXXX partial account number XXXX. ( Please see pages XXXX and XXXX of the attached credit report. ) It is reporting a balance of {$6500.00}. This account has been settled. Please see the attached summary, specifically payment made to XXXX XXXX & XXXX XXXX & XXXX, regarding this collection. This line item needs to be removed from my credit report. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: Law Offices of Marvin S. C. Dang, LLC
State: HI

Complaint narrative:
XXXX has acknowledged that I have paid towards an account that was negotiated at {$1200.00} and that I showed bank records pay $ XXXX/mo every month totaling {$870.00}. They are not recognizing the receipt for cash given to previous debt collectors XXXX-XXXX  even though I have shown the receipt here online and sent hard copies " certified mail, return receipt requested '' to new Attorney Marvin Dang and XXXX credit card company. Please note attachment showing a digital image of the receipt in the amount of {$640.00}. {$1200.00} minus {$870.00} leaves a balance of {$340.00}. {$340.00} minus the cash that was given to XXXX-XXXX  in the amount of {$640.00} means that I have OVERPAID by {$300.00}. Before I begin proceedings to request my {$300.00} be refunded to me, it would behoove XXXX to submit to credit bureau agencies a full statement factually stating that this account is PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/2019, XXXX XXXX opened a BARLCAYS XXXX BUSINESS CREDIT CARD Account # XXXX for XXXX XXXX SOLE PROPIETORSHIP. The card was blocked from the day it was issued. Barlcays recommened XXXX fax in business verification documents to XXXX. Despite XXXX 's repeated attempts to send in the information and resolve the block, Barclays still has not come to a resolution regarding why the account has been blocked. To date, he has been charged an annual fee as well without having access to the card 's credit line.

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 2019-06-27 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: NY

Complaint narrative:
Back in XXXX of XXXX I was applying for a loan modification and instead of reducing my monthly payments they increased it considerably. I was working with an attorney and as an effort applied for bankruptcy to allow more time to negotiate. Chapter XXXX was filed on XX/XX/XXXX and on XX/XX/XXXX I received a Notice of Deficient Filing. Since the bank and I didnt want this to go any further we came to an agreement and the bankruptcy was dropped. Recently I applied for a HELOC loan to make minor improvements in my home and was refused because of a notice of bankruptcy on my credit report. On XX/XX/XXXX I submitted a dispute, # XXXX, and was to have communication within 30 days and to date there has been no feedback. The notice of bankruptcy is still on the credit report and it has lowered my credit to a point where I cant receive a loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: LA

Complaint narrative:
On XX/XX/2019, the lien holder XXXX XXXX XXXX reported to the bureaus that my account was closed ( which it was not ) and added a remark that there was an involuntary repossession ( which it was not ). After speaking with them they advised that no one in the office reported that information ( lies ) So once I disputed it, the account was reopened and the remark was removed. That inaccurate information caused my credit score to decrease 128 pts. I have contacted them multiple times to ask when will my credit score be restored due to the inaccurate and incorrect information being reported ; I was told they didn't know how long it would take for my points to be restored and after requesting to speak with supervisors on multiple occasions I was then told that my score will be restored after 30 days of the closing of the dispute. The closing of the dispute was around XX/XX/2019 and has since been thirty days and no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: AZ

Complaint narrative:
CMRE Financial Services is charging me {$510.00} for a debt that was paid by my Attorney, my attorney made that payment on XX/XX/2019 to XXXX who was the original creditor. The check was cleared on XX/XX/2019, CMRE refuses to remove the derogatory mark on my credit report. I have attempted to contact CMRE, specifically a person named XXXX and XXXX XXXX who are in charge of that account. I have attempted phone calls, emails with proof of payment. They refuse to return my phone call.

Company response to consumer: Closed with explanation