vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-15 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: NY

Complaint narrative:
XXXX XXXX and myself have sent the credit bureaus a letter on XX/XX/2018 stating that this should not have been reported as a Charge Off but as a closed fully paid account, XXXX XXXX has followed up with me that they did send a copy of said letter to the credit bureaus. I however have not been able to get this removed from my credit report. I had stellar credit with 100 % on time payments, a substantial credit line available, and no derogatory remarks on my report. This error, has brought my credit from an A status to a current C status. I need this Charge OFF removed from my credit report since the credit bureaus are not acting accordingly with The Fair Credit Reporting Act, which entitles me to a reasonable investigation whenever a consumer disputes information on their credit report. XXXX XXXX asked the credit bureaus to remove the previously reported charge off status by them and report that my account was paid in full. I have not been successful in getting this removed from my credit 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 2018-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The three credit bureaus keep reporting a fraudulent address on my credit reports.

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 2018-12-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've tried to get my free report from Equifax and they keep saying my information doesn't match their records. This is probably due to the fraudulent information that's being reported about me to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened a Capital One 360 Money Market account on XX/XX/XXXX with offer code XXXX. 

The exact wording of this offer ( which I have a screenshot of from the date of opening ) is the following : " To earn a bonus your account must be funded with at least {$50000.00} from a non-Capital One account no later than XX/XX/XXXX, by XXXX XXXX ET. If we determine that you satisfy the eligibility requirements, then we will post the {$500.00} bonus within 60 days from completing the offer conditions. '' In order to qualify for this bonus, I made the following deposits ( dates are taken from the date the transfer posted to the account as verified using the account management on the Capital One website ). 
XXXX : Deposited $ XXXX from XXXX XXXX  account XX/XX/XXXX : Withdrew $ XXXX back to XXXX XXXX  account XX/XX/XXXX : Deposited $ XXXX from XXXX XXXX  Account XX/XX/XXXX : Withdrew $ XXXX back to XXXX  XXXX  Account XX/XX/XXXX : Deposited $ XXXX from XXXX   XXXX  account XX/XX/XXXX : Withdrew $ XXXX back to XXXX XXXX   account XX/XX/XXXX : Deposited $ XXXX from XXXX XXXX  account XXXX : Withdrew $ XXXX back to XXXX XXXX account With these actions, I deposited a total of $ XXXX prior to the XX/XX/XXXX deadline, and had a balance slightly above $ XXXX on the XX/XX/XXXX deadline. 

Today is XX/XX/XXXX, which is not yet 60 days after I completed the requirements, so the company still has time to credit my account. HOWEVER, this week, I have contacted Capital One customer service ( once over the phone, three times over the chat support offered on the website ) and was told each time that I did not meet the requirements for the bank bonus and that I would not receive the bonus because I never had a balance of {$50000.00} in the account. However, the offer details never say anything about maintaining a balance but only state how much must be deposited before the deadline. 

I was told by the customer support person the first time I used the support chat that management had decided to clarify the offer after the fact and did not feel that people using cumulative deposits and withdraws should qualify for the offer. To me, this amounts to changing the offer to something different than it was when I signed up, which isn't right. I know of several examples of people getting the {$500.00} bonus by using the same strategy that I did to deposit over $ XXXX in funds, however, at some point, Capital One changed the policy. This is not " gaming the system '', this is a failure of Capital One to write a specific and clear offer policy. Consumers should not be punished for this. 

Please see screenshots for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
In XX/XX/2018 I reluctantly opened a XXXX XXXX  XXXX XXXX XXXX XXXX mastercard after being highly pressured by XXXX XXXX   customer service at the time I was signing up for club membership. I refused the card several times but after continued pressure and being advised that I would have better club benefits and a {$5000.00} immediate credit limit I accepted the card against my better judgement. The entire transaction took less than 10 minutes, I was given an instant approval and sent a card in the mail. 

I used this card, made my payments early, as I do with all of my credit cards and after less than 2 months my card was declined. I called customer service who were incredibly unhelpful and was told that they had decided to close my account and could do so at any time. I was deceptively offered a credit account, used sone of it, then had it taken away almost immediately when I did nothing wrong causing my family and I hardship. This will negatively impact my credit score and I believe this practice to be deceptive, unethical, and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Recovery Services, Inc.
State: OH

Complaint narrative:
They are threatening me for a debt with from A company called XXXX XXXX. If I do not settle this will be sent to a law firm in my area.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Filed a dispute with TransUnion on XX/XX/2018. As of XX/XX/2018, dispute still under investigation. Contacted TransUnion on XX/XX/2018 regarding matter at phone XXXX. The rep. ( name unknown ) indicated that he would initiate a new dispute. No activity on the TransUnion website to indicate a dispute was initiated. Address for TransUnion is XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. 

I monitor my credit scores through XXXX XXXX & XXXX XXXX. The collection was paid in full to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, SC XXXX on XX/XX/2018. XXXX  has acknowledged the acct. paid in full per XXXX XXXX. 

XXXX XXXX messaged indicating acct. paid in full on XX/XX/2018.  XXXX XXXX XXXX has since reported account delinquent to TransUnion on XX/XX/2018.

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 2018-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX keeps calling me repeatedly and also from unknown numbers to try to contact a person who does not live here. It is my sister-in-law who lives in another state. I have asked repeatedly to stop calling me and they will not. They call multiple times a day. It started the week of XX/XX/2018 and they have called today, XX/XX/2018, 5 times and 3 of the times were within 1 hour of each other. I have called and spoke to XXXX directly and 1 live person who actually called asking for my number to be removed as I am not that person and that person does not live here, never has, never will. They said okay and after called yet again, XX/XX/2018 at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15 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: TX

Complaint narrative:
Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account that does not belong to me. This is my fourth letter to your company informing you that the accounts are a result of identity theft. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. Also, how can you even verify a fraud account? Please remove these items from my report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My Mother gave me {$10000.00} ( via check ) to apply to my student loan. This almost paid it off ; left a balance of approx. {$5000.00}. One day I got a revised statement saying the re-capitalized my interest and my balance went up by {$5000.00}! 
I called and asked what happened. The person on the phone told me that the calculation was correct and there was nothing I could argue about. I told him I dont't think they applied my payment is the most advantageous manner, and that the way the applied it and then kept silent was incorrect. I was told that they system didn't make mistakes. 
I asked for a complete recap of all my payments and to see how all payments were applied to principal and interest. I got the run around and was told they could not furnish me the information without a legal request and a fee. 
I believe I have been defrauded by the way they applied my one big payment, and subsequent monthly payments based on how the big payment was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation
State: CO

Complaint narrative:
We close on our home XX/XX/XXXX, FHA loan, SWBC Mortgage Company. Since our very first payment, SWBC has not kept accurate records of payments they said we missed our XXXX XX/XX/XXXX payment. on XX/XX/XXXX we paid {$4600.00} because they said we missed XX/XX/XXXX payment, so the XX/XX/XXXX payment was for the missed payment for XXXX which brought us current. XX/XX/XXXX we paid {$2300.00} on XX/XX/XXXX we paid another XXXX because they said we was behind again, but we where current because we took out our 401 plains to make those payment to become current. 
Every since then records have not been accurate both double payments kept us behind along with XXXX having to go on workman compensation for a XXXX so we ask for a loan modification.On XXXX XXXX that's when the loan modification was granted along with a trial period we passed the trial period. XXXX XXXX HUD gave SWBC {$95000.00} toward our account it took our payments for {$2300.00} to {$1600.00} per month. After we were granted the loan modification our payments were {$1600.00} our payments went up to {$2100.00} per month. This is not a loan modification. 
We have tried numerous of times to work this out with SWBC to no avail. Now we are right back where we started, XXXX, XXXX we paid {$1600.00} and XXXX we paid {$1900.00} now we are at {$2100.00} per month. This is no loan modification.

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 2018-12-15 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: TN

Complaint narrative:
On XX/XX/2018 I was notified by XXXX  XXXX that there was a " recent '' hard inquiry from a company doing business as XXXX XXXX XXXX that appeared on my Equifax credit report. I immediately XXXX this company to inquire on who they are. I contacted them on XX/XX/2018 to check into this matter because I did not authorize a credit check of any sort from this company or any other company in the past 9 months. XXXX XXXX XXXX apologized and claimed that these unauthorized inquiries happen often. They advised me to contact the credit bureau that shows this inquiry to have it removed. XXXX XXXX claims that they are not a " creditor '' and are not able to get this removed. At that point, on XX/XX/2018 I contacted Equifax about this matter. Equifax told me that they are unable to remove this unauthorized inquiry and that I needed to contact XXXX XXXX XXXX to initiate the request for removal since XXXX is the company that pulled my credit report without my authorization. From that point, which was XX/XX/2018 I have spoken with several people from both companies and neither are willing to fixed this problem. They both continue to tell me that the other needs initiate the process to have that inquiry removed. At this point, I personally feel that Equifax should take the high road and remove this unauthorized inquiry from my credit report. My dispute confirmation number with Equifax is XXXX. I was never given a case or complaint number with XXXX XXXX XXXX as they explained to me that Equifax would have to initiate a case or claim on my behalf prior to their fraud dept investigating my claim of fraud. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and a XXXX survivor ( XXXX ). Based on my prognosis, I decided to take my life 's savings to make a down payment on a condo with me as the applicant and my son the co-applicant. We used Quicken Loans. On XX/XX/XXXX via email I informed the salesman, aka " Executive Purchase Banker '' XXXX XXXX that his colleague told me I did not have to have my home owner 's insurance ( or property tax ) escrowed with Quicken, and I did not want to do this. XXXX called me up. I was tired, and he told me he would have to charge me more money at closing if I did not do this. The issues here are lack of full disclosure and coercion. 
On XX/XX/XXXX Quicken Loans sent me an email saying they had paid my property taxes : {$1500.00}. This was too low, so I called Quicken Loans and the agent told me they were right and I was wrong, and unless I got something in writing from the Tax Collector, Quicken Loans would not do anything. ( If I had taken her word for it, our home would have gone into foreclosure. ) I contacted the XXXX XXXX Tax Collectors office via email and they responded that my taxes were {$1900.00}, and had not been paid. I faxed a copy of the email along with a copy from the page from XXXX to Quicken Loans. Evidently they had sent the money to pay someone's else 's taxes. A XXXX XXXX said they were in the process of getting my money back from XXXX XXXX County, and supposedly also sent the {$1900.00} from my account. ( So here is now no money left in my escrow account. ) I looked on the XXXX   site and my taxes still were not paid and the {$1500.00} is still missing. Another customer service rep named XXXX told me they were " still working '' on getting my money back. She also said Quicken Loans does not pay my taxes, they have another company do it and that company mails a check to the tax collector, which may not cash the check for several weeks. I told XXXX XXXX, I do not want to escrow either insurance or taxes with Quicken Loans anymore, and she told me that I had to for 12 months, but this is not what paragraph 3 of my mortgage contract says. It says the Lender can release me from this obligation anytime. This is fraud. I asked XXXX XXXX the name of their attorney. XXXX XXXX responded that she is busy " researching '' and will get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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:
Since I am a veteran and it involves the FCRA in a very consumer-focused state, the Offices of Senator XXXX, Attorney General XXXX XXXX ( Governor Elect ) and Governor XXXX XXXX of Maine have all shown an interest in this situation, and most advice seems to lead to the FTC. Thank you in advance for any help provided. 

In addition to many other resulting expenses involving high interest rates on low value credit cards, difficulty getting a good job equal to my experience and education, and the inability to purchase or lease a car, XXXX just denied denied me a credit card because Equifax incorrectly reported my FICO score at XXXX instead of about XXXX as  it should be. All 3 bureaus refuse to repair their database models to fix this obvious problem. They dropped my FICO score by XXXX  in  XX/XX/XXXX by error and say they can't or won't fix it. Either way appears to me to violate the law?! I believe there must be tens of thousands if not hundreds of thousands in this same situation. 

An Equifax supervisor I spoke with admitted to me on the telephone they do and can not not adjust scores when it is proven to them and admitted by the billing entity that it made a mistake even when the original 30 / 60 / and 90 day late and collection in my case are removed at their request.

Today XXXX  reports FICO at XXXX, and XXXX  the same. 

The error was for an emergency room visit In XX/XX/XXXX the Veterans Administration should have paid. My FICO decreased due to one ER room visit that the VA owed as follows : 1. XX/XX/XXXX -7 ( collection-related ) 2. XX/XX/XXXX -XXXX  ( collection ) 3. XX/XX/XXXX -2 ( pre-collection ) 4. XX/XX/XXXX -XXXX. ( 60 days ) 5. XX/XX/XXXX -XXXX ( 30 days ) Total : -XXXX  This is a simple fix to a database program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: NY

Complaint narrative:
XXXX XXXX and myself have sent the credit bureaus a letter on XX/XX/2018 stating that this should not have been reported as a Charge Off but as a closed fully paid account, XXXX XXXX has followed up with me that they did send a copy of said letter to the credit bureaus. I however have not been able to get this removed from my credit report. I had stellar credit with 100 % on time payments, a substantial credit line available, and no derogatory remarks on my report. This error, has brought my credit from an A status to a current C status. I need this Charge OFF removed from my credit report since the credit bureaus are not acting accordingly with The Fair Credit Reporting Act, which entitles me to a reasonable investigation whenever a consumer disputes information on their credit report. XXXX XXXX asked the credit bureaus to remove the previously reported charge off status by them and report that my account was paid in full. I have not been successful in getting this removed from my credit 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 2018-12-15 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: NY

Complaint narrative:
XXXX XXXX and myself have sent the credit bureaus a letter on XX/XX/2018 stating that this should not have been reported as a Charge Off but as a closed fully paid account, XXXX XXXX has followed up with me that they did send a copy of said letter to the credit bureaus. I however have not been able to get this removed from my credit report. I had stellar credit with 100 % on time payments, a substantial credit line available, and no derogatory remarks on my report. This error, has brought my credit from an A status to a current C status. I need this Charge OFF removed from my credit report since the credit bureaus are not acting accordingly with The Fair Credit Reporting Act, which entitles me to a reasonable investigation whenever a consumer disputes information on their credit report. XXXX XXXX asked the credit bureaus to remove the previously reported charge off status by them and report that my account was paid in full. I have not been successful in getting this removed from my credit report.

Company response to consumer: Closed with explanation