vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-07 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:
This account has been disputed multiple times due to the inaccuracies in the reporting with the company XXXX. It is showing I have past due payments in which I have never made a late payment. However, there was an incident to where my car was totaled and I was awaiting gap payment. The payment was held up due to XXXX being I constantly called the company as well as my insurance provider to make sure the car was paid off before my due date in which the company kept telling me they are waiting on paperwork from my insurance company who sent the paperwork multiple times. At this time my payment was made and I had a month to get things taken care of. By week 3, after continuous conversations with both my insurance company and XXXX, my insurance company wanted to call the company with me on the phone to verify things as they stated payment is set upon response from XXXX. While calling XXXX with my insurance adjuster, the company stated they didnt get the paperwork in which my adjuster notified the rep of the numerous times and dates  paperwork was sent as well telling the company they are just waiting on the proper paperwork to pay the debt. I explained to the XXXX sales rep that my payment is becoming due and voiced my concerns of the paperwork being delayed intentionally after the rep just so happen to find the paperwork. Because of the delay in the companies efforts to get the account paid the account was paid a week after my due date. I dont think I should be penalized for the companies lack of effort especially when I was on top of things. Im hoping the company can review call logs and conversations and see that I tried to get this solved. Also, I am sure I can obtain a copy of my insurance adjusters notes from the case to verify our conversation because I asked her to note the conversation.

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 2018-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I received notification of a collection account reported on my credit report. In reviewing my file there is an open collection with Midwest Recovery Systems opened XX/XX/2018 with an original creditor listed as XXXX XXXX XXXX XXXX. I have received no notice of this account and do not recall any business with either company. The balance being reported is in the amount of {$1000.00} which I need removed from all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following items are not authorized inquiries in which the company does not allow you to dispute the inquires online and when calling your turned away by the rep. the following items are not authorized : Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following items are not authorized inquiries in which the company does not allow you to dispute the inquires online and when calling your turned away by the rep. the following items are not authorized : Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX and Equifax are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
This complaint is about Wells Fargo Home Mortgage not complying in a reasonable time frame for a request of information so that we would have had sufficient information to seek legal advice and perhaps participate in redeeming our home within a reasonable time frame. 

We were asked to leave our home on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on Monday, XX/XX/2018. We did not know that the house had been foreclosed upon and sold. 

ON XX/XX/2018 I contacted Wells Fargo Home Mortgage to request all documentation in order to seek legal advice about our rights. I spoke to XXXX XXXX XXXX Ext. XXXX. I let her know that I was needing all the paperwork in order to contact a lawyer. 

Today is XX/XX/2018. On Monday it will have been 10 weeks and we still do not have the paperwork. 

Also, My husband, XXXX, contacted a XXXX who was the person involved in removing us from our home on approximately XX/XX/XXXX, XXXX said they weren't interested in selling our home. Then the next time we heard from XXXX ( unknown company at this time ) on XX/XX/2018 and told us the movers were coming and we needed to be out of our home. We complied. 

Then on approximately XX/XX/XXXX XXXX tried to contact XXXX again. XXXX left a message. XXXX called back within approximately 2 days later left a message on XXXX 's cell phone that they had an offer they couldn't refuse on our house. 

On approximately the week of XX/XX/XXXX XXXX tried to reach XXXX again and left message. XXXX did not respond. XXXX left several messages. 

On approximately XX/XX/XXXX XXXX tried to reach XXXX again. Within a couple of days XXXX called XXXX back and left a message to say he was travelling and did not have access to the dates or any information. It is XX/XX/2018 and we still have not gotten the information from XXXX. 

The Mortgage was originally through : Wells Fargo Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Payments were due to : Wells Fargo Financial Inc. 
XXXX 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 explanation
Consumer complaint received 2018-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union and XXXX are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Auto dealer XXXX XXXX ran credit through multiple banks without my authorization. I told the sales representative specifically that I did not want my credit ran through multiple banks and the representative ran it through the banks : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX. Also, there is an inquiry from XXXXXXXX XXXX and XXXX XXXX that I did not authorize and have no knowledge about, which are fraudulent. Contacted the Credit Bureaus and they did not want to assist me in any of these accounts. These inquiries were UNAUTHORIZED. I did not sign a form allowing them to run a blanket credit check nor did I give them verbal authorization.

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 2018-07-07 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This problem does not fit any specific category. I have been in a dispute with XXXX 's the billing and collection agency for XXXX XXXX Credit Card purchases since approximately XX/XX/XXXX. 

The charge dispute process and means of attempting to sustain charges is beyond words. I will attach as a PDF the last bill rendered. It shows a Bad of {$37.00}. As per instructions given in a letter I remitted {$16.00} for the shoes I purchased XX/XX/XXXX and there is a credit of {$20.00} representing the fees the letter advised XXXX would write off. I just hung up the phone question how there could be a NEW BALANCE of {$24.00} when there is {$0.00} Purchases ; {$0.00} other debits ; {$0.00} interest but a Fee charged of {$24.00}. 

I spoke eventually with a customer care representative who advised my gal is {$0.00}. She also agreed she would arrange to have the zero balance letter mentioned on the robot menu of choices. 

I will advise you if I do receive it but in view of recently reading this Bureau was set up as a result of the XXXX illegal practices I am following through with the complaint. 

Read their collections practices in the reverse. This is usurious and illegal. They continued to add more fees and interests to the disputed amount. They called me XXXX and 4 times a day with various Caller ID numbers but always from XXXX. Most times they hung up without a word. On two possible three occasions they advised me to call about my bill. It appears that XXXX is well known to this Bureau and what I had researched online indicated they are the billing and collection agency for several big name department stores e.g., XXXX XXXX. I eventually wrote to the Executive offices of XXXX XXXX recommending they end their affiliation with XXXX. XXXX XXXX answer was they could do nothing about the affect my dealings with XXXX had on my credit report and requested they advise XXXX to correct this also illegal practice when there is a dispute. XXXX XXXX response was basically to disavow any ability to deal with the credit rating, the billing issues other than to have reached an agreement I should pay {$16.00} and XXXX would wipe off the fees. 

If you like XXXX can do nothing advise me who can and will end these practices upsetting old ladies such as me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX I contacted Best Buy at ( XXXX ) XXXX XXXX XXXX. I spoke to XXXX to obtain clarification regarding my bill being assessed {$6.00} in fees/ interest. I advised I paid the bill off before due date in the amount of {$360.00} so there shouldn't be any interest assessed because my bill was due XX/XX/XXXX. He informs me that it was residual interest. I'm confused because I charged a set of headphones totaling {$21.00} on XX/XX/XXXX and made multiple payments toward the card. I could not get an explanation for if I pay the card off before due how am I assessed {$6.00} in interest. My next bill has a charge of XXXX from a purchase of XXXX are on XX/XX/18so if I pay before my billing date XX/XX/XXXX how do I have XXXX in interest. Once again I couldn't get an explanation. Generally, your suppose to avoid credit card interest by paying in full every month. This Best Buy credit card was issued by Citibank.

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 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Auto dealer XXXX XXXX ran credit through multiple banks without my authorization. I told the sales representative specifically that I did not want my credit ran through multiple banks and the representative ran it through the banks : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Also, there is an inquiry from XXXXXXXX XXXX and XXXX XXXX that I did not authorize and have no knowledge about, which are fraudulent. Contacted the Credit Bureaus and they did not want to assist me in any of these accounts. These inquiries were UNAUTHORIZED. I did not sign a form allowing them to run a blanket credit check nor did I give them verbal authorization.

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 2018-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I just received an update from Experian on XX/XX/18 in reference to a dispute that I began processing in late XX/XX/2018 for a XXXX XXXX XXXX XXXX Account. Per the Fair Credit Reporting Act, The Experian credit reporting agency can not, under any circumstance, report information that I as the consumer have told them is inaccurate. The agency is behaving in a biased manner against myself and have greatly favored a paying debt collector over myself. After multiple efforts of Experian being unable to furnish an original written agreement and validation of the physical verification which would otherwise support their statements of the debt belonging to me, this credit agency continues to be in support of the debt collector and is willing to continue to be in violation of the Fair Credit Reporting Act. 

I have mentioned this same complaint to the agency on more than three previous occasions that the information is unverifiable and they are in violation of the FCRA sections 609, 611 & 623. Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post to my credit report. Per FCRA 611 ( 15 U.S.C. 1681 ) Experian continues to be in violation of the law. Also reference the FCRA section 623 ( a ) ( 1 ) ( C ) : Experian must also utilize reasonable procedures to assure principal accuracy of all information in my credit report 15 U.S.C. 1681e ( b ). Experian has yet to prove to me that this account is accurate valid and indeed belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America reported that I have a payment greater than 30 days past due in XX/XX/XXXX. However, the statement I received in XX/XX/XXXX was misleading and led to a misunderstanding about the actual due date for the payment. The XXXX statement combines the overdue amount with new charges and assigned a new due date of XX/XX/XXXX. Because of this layout, and failure to identify that a subset of this amount was actually due before XX/XX/XXXX, my actual payment date of XX/XX/XXXX was considered late for the overdue amount from XXXX. I'd like to make sure that others don't suffer from a similar misinterpretation.

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 2018-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/XXXX capitol one credit card collection agency-XXXX settled the debit owed by me along with my lawyer to {$12000.00}. see attached settlement letter. 
Since then I have regularly paid the said amount to the debit collector. later this debit collection was taken over by XXXX XXXX XXXX firm. The payments were made to this debit collector. The final payment was made on XX/XX/XXXX. a total amount of {$12.00}, XXXX was paid to the debit collector ( see attached bill payment statement from XXXX XXXX XXXX ). I have paid an excess of {$80.00}. since XX/XX/XXXX after the final payment was made i called XXXX office many times and requested a XXXX balance letter, refund of my excess payamnet, and report to credit bureaus as fully paid. NONE OF THIS HAPPENED FOR THE PAST MONTHS. I have called XXXX debit collector and emailed them several times more than 20 times with the attached settlement agreement sent by XXXX and the total amount of payment made to the new debit collector. 

Experian sent me a credit report which states that there is one negative report on my report. I disputed it with experian. but they came back with the same resolution that I still owe {$3700.00} as of XX/XX/XXXX. THIS IS INCORRECT. CAPITOL ONE CC IS ROGUISH FINANCIAL COMPANY THAT PREYS ON POOR PEOPLE AND MAKE UP FRADULENT CHARGES. THEY MUST BE TAKEN TO TASK AND MADE TO PAYBACK MY EXCESS PAYMENT, and fix my credit report immediately. 

I am applying for a home mortgage to refinance my home which is going under foreclosure. but this negative report and dishonest loan balance reported by capitol one is severely affecting my mortgage loan application.

I humbly request the CFPB staff to take immediate action and order capitol one to remove the inaccurate credit reporting.

see attached files from experian report on capitol one CC and supporting evidence that I have paid the loan as per settlement agreement.

Capitol one must report as XXXX balance. 

thank you for your help and prompt action. I am very grateful that our government has created agencies like you to help citizens from predators. 

thankyou XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-07 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
on XXXX XXXX Chase card receive a dispute letter sign by XXXX XXXX .I have retained new copies of my credit reports, and noticed that Chase Card did not furnish the credit bureaus with the required disclosure, within the period required by law. they are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on [ XX/XX/2018 ]. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: PA

Complaint narrative:
To whom it may concern : According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available This credit reporting company has intentionally voilated this rule and this is causing errors to be reflected on my credit report dealing with a bankruptcy -- Becasue of the error -- The bankruptcy should be removed from my report immediatley. i have been trying to work with them over a year

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 2018-07-07 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: PA

Complaint narrative:
To whom it may concern : According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available This credit reporting company has intentionally voilated this rule and this is causing errors to be reflected on my credit report dealing with a bankruptcy -- Becasue of the error -- The bankruptcy should be removed from my report immediatley. i have been trying to work with them over a year

Company response to consumer: Closed with explanation