vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 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:
XXXX or Experian totally XXXX up 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 non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The debit card Capital One make me several calls day and nigth specifically saturday and sounday robot calls I owe them twso times money and as sun as I take money I paid two times more than {$600.00} dollars with all the interest I explain to them now I have health and financial problems and request some time to I can comply with my obligation of payments I have XXXX years old Senior XXXX old man, recently XXXX I have XXXX  XXXX  and XXXX  the last call was today XX/XX/2020 at XXXX XXXX  I can not sleep more today I request stop that harasing phone calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 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:
Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$630.00} on the XXXX XXXX  XXXX original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX is claiming I ordered a sofa and that I confirmed delivery. I have attached a copy of the receipt they sent me alleging the signature on the delivery receipt is mine. The signature on the receipt does NOT belong to me and I never authorized and/or accepted this item. Nothing from XXXX was delivered to my address. This collection/charge-off is being reported in error and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Refinanced home through XXXX XXXX, XXXX XXXX XXXX sent us a check to payoff the HomeDepot account. The check was mailed XX/XX/2020. We just got a bill from Home Depot (  CitiBank ) that we were behind in our payments. XXXX XXXX from XXXX XXXX discovered that the check had been cashed on XX/XX/2020 by CitiBank. We made numerous attempts to contact CitiBank without success.When we did get them. they still said they did not receive payment. Today ( XXXX XXXX ) they finally put us through to the complaint department. The check was found after some checking by the department. According to them it had not been credited to our account due to no account number on the check. My husband had put the account number at the bottom of the check and made a copy of it before he mailed it. They said it should be credited to our account in about 10 to 15 days.

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 2020-03-17 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: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized PUBLIC FILINGS UI.S. BKPT CT XXXX not mine

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 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$630.00} on the XXXX XXXX XXXX original creditor XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) XXXX is claiming I ordered a sofa and that I confirmed delivery. I have attached a copy of the receipt they sent me alleging the signature on the delivery receipt is mine. The signature on the receipt does NOT belong to me and I never authorized and/or accepted this item. Nothing from XXXX was delivered to my address. This collection/charge-off is being reported in error and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-17 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: TX

Complaint narrative:
XXXX or XXXX  totally XXXX  up 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 2020-03-17 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:
XXXX or XXXX  totally XXXX  up my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I purchased a car that was financed through Bridgecrest. The autodraft amount was {$280.00} per month. On the final payment, only {$160.00} was the balance of the loan. However, they still withdrew {$280.00}. When I contacted the company, they refused to refund the overdrawn amount in a timely manner. This is despite the fact that the last two statements I received from the company, indicated the correct amount on the invoice was to be withdrawn. Also, the automated text message I received indicated the correct amount. In addition, my account can no longer be accessed through their online portal. 

The " customer service '' manager XXXX # XXXX ( refused to give her actual name ) was very condescending in her " explanation ''. There was NEVER an apology issued, nor a definitive resolution to the problem. In addition, their 1.2/5 star online review average leaves little confidence that the funds will be refunded at all, much less in a timely manner. 

The company policies are obviously intentionally flawed as they are giving themselves interest free loans on paid out accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On the date listed below, I submitted the following statement in the form of a letter listed below and XXXX failed to Verify-in 30 days the inaccurate information on my credit report. My life has Ben Ruined for  years because of this incorrect information cant get a job or receive funding for a business start-up. NO VERIFIABLE PROOF WAS SHOWN XX/XX/2020 Equifax Consumer Dispute Center According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 

Also Please remove all accounts that are not METRO 2 COMPLIANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: AL

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I don't understand what is going on, but these items are not mine and the all need to be deleted from my credit report. 

XXXX XXXX XXXX {$51.00} XXXX   XXXX {$360.00} XXXX  XXXX {$360.00} XXXX  XXXX {$260.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$1300.00}

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 2020-03-17 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: AL

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I don't understand what is going on, but these items are not mine and the all need to be deleted from my credit report. 

XXXX XXXX XXXX {$51.00} XXXX   XXXX {$360.00} XXXX XXXX {$360.00} XXXX  XXXX {$260.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$1300.00}

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 non-monetary relief
Consumer complaint received 2020-03-17 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: NY

Complaint narrative:
On XX/XX/XXXX i sent transunion a dispute letter regarding unverified and inaccurate information on my credit profile via XXXX mail service. Based on my rights as a consumer I wanted to know how did transunion conduct and investigation of this manner and who conducted it. Ive waited 30 days for them to conduct an investigation. I am now recieving a letter on XX/XX/XXXX stating my results of the dispute.

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 2020-03-17 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: AR

Complaint narrative:
I recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I am unsure of how this happened. I need these items deleted from my credit report. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$200.00} XXXX AR XXXX {$200.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$1200.00} XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$75.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXXT XXXX {$67.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I only took out 6 loans total with Sallie Mae of whom is now Navient. 
XX/XX/XXXX for {$1800.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$2000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$4000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$3500.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX ***NONE OF MY LOANS WERE EVER LATE OR DEFAULTED AS THEY WERE PAID OF BY XXXX XXXX IN XXXX OF XXXX I HAVE ENCLOSED DOCUMENTATION OF PROOF OF STATEMENT THAT I HAVE AND THEY ARE TRUE AND ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: MS

Complaint narrative:
I have been constantly emailing this company since XXXX or XX/XX/2019 ... ... .each time I contact them I am given the run around. Its been 6 months already and I have provided them with every document they requested from me. This company is awful and is not doing the proper investigation in a timely matter. I have filed a police report and the bank account that was used has been closed. I went back to the police department because this company claimed they couldnt verify the police report was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
We feel we were not treated fairly by Comenity Bank on our Arhause Archarge Credit Card. We had mad a large purchase and took advantage of a 0 % offer. We knew we had to make pay off by the end of XXXX consequently on XX/XX/2020 we made a payment of {$4200.00} on our account. I was traveling at the time, unfortunately the amount I needed to pay was {$4000.00}. As a result of this human error of not paying {$72.00} we were charged {$830.00} in interest charges. When we were made aware of this we immediately contacted Comenity to get it resolved. Although they appeared to feel sorry for us they claimed there was nothing they could do stating if they reduced the fees for us they would have to do it for others. We escalated the matter to several mangers but no resolution. We spent over two hours on phone/hold trying for a fair resolution. We were told by Arhaus management  to keep trying because they knew for a fact they had made concessions in the past for other customers even with amounts significantly greater than {$72.00}. We continued to resolve with Comenity with out success, as a result we are pleading with you to help us in this situation where we feel we have no control but the bank is charging us excessively,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Account Resolution Services. {$1000.00}. Open date XX/XX/2018. My credit has been severely affected by this and I have No knowledge of this collection account or No Contract with this company.

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 2020-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: MI

Complaint narrative:
XXXX XXXX

turned a bill over to LJ Ross Collection Agency. I never received any written communic ation via email or USPS. They have the bill at {$510.00}. They could not tell me the time frame that this money covered. I am not paying the Landlords bill if the coverage period is after we moved. I want this collection removed from my report and the opportunity to research resolve and pay the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
President Trump has DECLARED A STATE OF EMERGENCY AND THERE HAS BEEN SEVERAL STATES THAT HAVE BEEN DECLARED AS AN EMERGENCY AS WELL INLCLUDING MY STATE. I keep getting calls from Navient that I have to repay my student loans despite the Coronavirus Outbreak. The news has been saying that there have been people who have died from this virus and the number of people increase in our nation have been getting this virus. With people dying and losing their jobs along with containing the spread, Navient still insists that I pay these loans otherwise they will take me to court. This is not only unprofessional, but it is highly unethical as my family and I try to survive while not getting this virus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: FL

Complaint narrative:
These are not mine I have a fraudulent alert on my account the only thing I applied for is XXXX XXXX I wish I would be contacted before Credit is applied for I'm very upset about this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I mailed a dispute letter to company and requested validation for accounts and didnt get completed documents in timely matter yet credit agency has updated as accurate also. I requested proof of my signature didnt receive such these accounts isnt valid. 
The account XXXX Has my name listed XXXX XXXX and it shows it bill Also other account XXXX List my name incorrect also these accounts must be removed for several reasons I will enclose to you only my Id or correct spelling on I.d

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FREEDOM FINANCIAL NETWORK
State: VA

Complaint narrative:
Ive been with Freedom Debt Relief for 38 months and have deposited XXXX into the program with an enrolled debt of about 52000. To this date Freedom Debt Relief is telling me I still owe XXXX. Im asking where did the XXXX go and they just tell me I missed payments but if I gave XXXX I should have more debt resolved than just basically XXXX. I just need answers and I finally stop service but I want my debt resolve or a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
Notified of foreclosue sell to be held on XX/XX/XXXX XXXX County Borrower was about to default with only {$39000.00} balance causing them to be homeless I provided the past due payments along with attorney 's fees to reinstate loan Borrower povided Selene with my name to have authority over loan and requested assumption forms on XX/XX/XXXX. 
Borrower provided Selen Finance Third Party Authorization on XX/XX/XXXX submitted online I called today XX/XX/XXXX to inquire about assumption but was told they could not speak with me. 
I called again on XX/XX/XXXX at XXXX XXXX  to speak to supervisor of phone calls XXXX and had to leave a message XXXX Audit determined Selene was deficient with communication and I concur in XXXX they are deficient since the phone service can't remedy problems Barriers are placed on Borrower by Selene Finance who establishes the company as providing creative loan resolution strategies to preserve ownership No electronic mortgage forms to apply for assumption No electronic forms to view the terms of the loan No mortgage calculator to determine extra payments and how to reduce interest My experience is that this company is not reducing home loss.Due to my intervention, the loan was reinstated and foreclousre ceased. But I need a remedy to continue payments at a lower interest rate so the principal can be paid faster. 
Selene is not transparent and to date on web site interst paid on loan is not shared. The balance is XXXX. I believe they have profitted enough on the marginalized.

Company response to consumer: Closed with explanation