vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-28 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: TX

Complaint narrative:
In XXXX of 2018, I traded in a vehicle to a dealership that I am currently involved in litigation with. At this time, my credit account with the credit union in question was current. I found out weeks later that the dealership had not paid the vehicle off. I made the credit union aware of this dilemma numerous times and yet, the account was still reported late to Experian, XXXX, and XXXX. 

After the dealership finally paid off the vehicle, ( after having it in possession for almost 2 months ), the credit union updated my credit reports to show the account closed and showed it to be paid in full, yet the " payment status '' on all three reports shows as currently late. I have disputed this account with all three bureaus, ( Experian twice! ) and the credit union has verified inaccurate data. Unfortunately, this now makes them liable for damages to be pursued under the FCRA, FDCPA, and the TFC. This false reporting has placed a tremendous stress on my finances, ( as I was in the middle of a mortgage loan when this hit ), and has taken a severe toll on my health and well-being. 

These complaints are also being reviewed by my attorney who is handling the case with the dealership in question as well.

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 2018-06-28 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
greetings, I have followed all the rules and regulations and i have submitted all the required documents that trans union have asked of me and they are still saying that they can not verify my identity and that i did not send in the info that was requested from me, which is a lie and they are doing that not just to me but a lot of other individuals.

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 2018-06-28 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: EQUIFAX, INC.
State: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-06-28 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: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I NOTIFIED EXPERIAN THAT THERE IS A ACCOUNT ON MY REPORT BACK IN XXXX, ( XXXX XXXX/XXXX ) THAT I DONT OWN OR OWE I REQUESTED IT BE BLOCKED FROM MY ACCOUNT SENT THE EXPERIAN CREDIT BUREAU ALL REPORTS AND POLICE REPORT FOR IDENTITY THEFT, THEY TOOK IT OFF OR BLOCKED IT AND NOW THIS MONTH IT WAS PUT BACK ON MY REPORT, I CALLED THEM UP AND SAID WHY IS IT BACK AND THEY CLAIM THE COMPANY CALLED IN TO UN-BLOCK IT. SO THEY DID. THIS ACCOUNT IS NOT MINE AND DEMAND IT BE REMOVED FROM MY FILE IMMEDIATELY, AS I AM NOT PAYING IT OR RECEIVING INVOICES AND IT IS NOW SHOWING LATE AND HURTING MY CREDIT, WHEN IT ISNT EVEN MY ACCOUNT. SO I WANT THIS ACCOUNT IMMEDIATELY BLOCKED FROM MY CREDIT FILE.

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 2018-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Spoke with XXXX XXXX at XXXX XXXX to resolve credit card debt in XXXX. Payment arrangement of {$450.00} was set to start XX/XX/2018 and final payment was made on XX/XX/2018. I've spoke with XXXX at this company multiple times since the final payment requesting that they remove paid debt from my account and no action has been taken. I've tried to dispute the debt and the company has denied to remove the bill from my collections. I also have a letter stating that this bill is resolved and paid in full from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Worldwide Processing Group, LLC
State: OH

Complaint narrative:
Forward Movement has made numerous calls to myself and family members who were never listed on file with my original creditor. This is in violation of the FDCPA.. Forward Movement refuses to send any documentation or verification letters to me as requested. This is in violation of the FDCPA.. Representatives have been abusive and have harassed me. This is in violation of the FDCPA. 

Forward Movement also uses ghost numbers and a robocaller to make contact, which is illegal as I have never consented to receiving robo-calls from Forward Movement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: MS

Complaint narrative:
Transunion has failed to correct the problems with multiple disputes Concerning XXXX Bank in error reporting of {$8.00} refund made to me instead of me making it to them despite photocopies of refund check both sides made to me. This information should have never been reported to all three ( 3 ) major credit bureaus. Transunion allowed XXXX Bank to change {$110.00} refund made to me from XXXX Bank to a balance due of {$110.00} where I disputed to {$120.00} where It is currently being disputed as of XX/XX/2018. I did, as well, provide photocopies of {$110.00} both sides in multiple dispute. I have no reason anything would be much different from Transunion.

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 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo and its co-branding agent, XXXX XXXX, represent to their prospective customers that the in-home window sale purchases being solicited are for a " loan '' ( closed end ) to be provided by Wells Fargo bank. However, it turns out that the " loan '' is a credit card product with the windows purchase-price already placed on this open-ended credit card account. This account is fraudulently reported as an open-ended, revolving credit card account on our credit histories, which harms out credit scores.

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 2018-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: CA

Complaint narrative:
On XX/XX/XXXX, my mortgage servicer, Selene Finance, placed a notice of default on my property while i was one month late on my payment ( due for XXXX ). When i called the company, they said because my current payment ( XXXX ) " technically '' is due on the first of XXXX and i had not paid that payment either, therefore, I qualified for the Notice of Default on my property. 

This is ridiculous and contrary to how they and other banks in California have handled delinquencies. Not only is this hurting my chances of refinancing my second trust deed, again after the Great Recession that i seem to be unable to recover from and now this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
About 10 years ago, I had a XXXX credit card through Capitol One Bank. Due to their poor business practices, I closed the account. Last month, I received a statement on this account ( using my old name and including my ex-husband asa user ). This was a shock, since I had closed the account years ago and had not received anything from Capitol One since then. I was very upset and contacted Capitol One, demanding to know why they reactiva ed this closed account. The insisted that I never closed it, but I am sure that I did due to the circumstances at that time. Furthermore, if the account was active I would have received some correspondence from them during the last decade. After a few minutes of arguing with the customer service rep, I insisted that it be closed, again. Again, I received a letter saying the account was closed, yet this month I received another statement from Capitol One. This is outrageous, that they would reactivate this closed account and even after I called to close it again continue to send statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against ERC for ERCs failure to provide requested information for the debt alleged. On XX/XX/2018, Consumer, XXXX, received a demand letter from creditor, ERC, to which consumer ( through legal counsel ) responded on XX/XX/2018 with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s )  of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/2018, ERC responded with only statements from the original account. Another letter was sent on XX/XX/18, again asking for proper documentation to show ownership of the account by ERC, a third party collector. It has now been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt XXXX to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report to the three major credit bureaus that I have an active and open mortgage account with them. This account was closed approximately a year ago. I reached out to XXXX XXXX XXXX at XXXX and was told that my request was sent to the XXXX XXXX department. He could not give me an ETA as to when they would follow-up with me. I spoke with him twice and sent two follow-up emails, again to no avail with an expect ETA or direct phone number for someone who could help me. 

Someone by the name of XXXX called me on XX/XX/28 and told me that I would have to dispute this through the credit bureaus and then he could look into it. He said that he sees that my account is closed but had no interest in seeing proof that this was last reported to the credit bureaus in mid XXXX. 
Why am I supposed to dispute it when XXXX XXXX XXXX XXXX is the one reporting this every month?!

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 2018-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: AZ

Complaint narrative:
I recently set up a payment agreement with XXXX XXXX on XX/XX/2018 for a payment agreement and paid {$1000.00} to start the agreement. I received a letter fom GC Services that they now have my account after I just set up an agreement with XXXX XXXX to pay the reminding settlement amount of {$1300.00} in the next 6 months. I called XXXX XXXX they said my account closed and they do not know why. This happened before where they said my account closed and they didn't have it than a week later someone called me saying they do have it and now again my account is closed. I just do not understand how I set up an agreement with XXXX XXXX two weeks ago and now it is closed and GC services has my account. I need to know what is going on and who I need to pay and why the account got closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: CA

Complaint narrative:
On XX/XX/2018 I mailed out a notarized dispute letters to Equifax and XXXX via XXXX Certified Mail, tracking # XXXX and XXXX  Tracking XXXX. Equifax and XXXX received my dispute letters on XX/XX/2018 at XXXX XXXX ( see screenshots attachment from XXXX. ) I received an email from Equifax on XX/XX/XXXX with the subject titled " Equifax Confirmation Number : XXXX - Dispute Completed '' to review the results online and prompted me to login and answer security questions to access the disputed results. 

XXXX has not mailed me any dispute investigation results or any notices regarding my dispute sent to them and are currently 7 days passed the 30 days they have for instigating my dispute as I submit this complaint with the CFPB. 

I believe Equifax is acting unfair and deceptive since I have never opted in to receiving dispute results by email, I have always received dispute results by mail only. 

After I attempted to login to the link Equifax sent me, I answer the security questions as prompted and was declined access to my credit report results because I appeared to have answered the questions incorrectly. 

The questionnaire Equifax provided to gain access to the " completed results '' DO NOT relate or pertain to me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: DISCOVER BANK
State: WA

Complaint narrative:
Applied for prepaid card. They took XXXX dollars, never sent the card. I became homeless with service animals during this time and they still kept my money for two weeks. I never ultimately got a card. They never explained why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
XXXX XXXX told me as soon as my medical is approved that i would be able to come back to the hospital give them the insurance information that they would be able to remove this bill i also calledbthe hospital on occasions and told them i finally got my health insurance and they told me it would be tooken care of know i later on find out it went too collections i never got a call or bill in the mail regarding this as i thought it was handled by the hospital itself this debt was opened on XX/XX/2014 XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: MS

Complaint narrative:
XXXX has failed to correct the problems with multiple disputes Concerning XXXX Bank in error reporting of {$8.00} refund made to me instead of me making it to them despite photocopies of refund check both sides made to me. This information should have never been reported to all three ( 3 ) major credit bureaus. XXXX  allowed XXXX Bank to change {$110.00} refund made to me from XXXX Bank to a balance due of {$110.00} where I disputed to {$120.00} where It is currently being disputed as of XX/XX/2018. I did, as well, provide photocopies of {$110.00} both sides in multiple dispute. I have no reason anything would be much different from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: MS

Complaint narrative:
XXXX has failed to correct the problems with multiple disputes Concerning XXXX Bank in error reporting of {$8.00} refund made to me instead of me making it to them despite photocopies of refund check both sides made to me. This information should have never been reported to all three ( 3 ) major credit bureaus. XXXX   allowed XXXX Bank to change {$110.00} refund made to me from XXXX Bank to a balance due of {$110.00} where I disputed to {$120.00} where It is currently being disputed as of XX/XX/2018. I did, as well, provide photocopies of {$110.00} both sides in multiple dispute. I have no reason anything would be much different from 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 non-monetary relief
Consumer complaint received 2018-06-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I sent a certified letter to Equifax on XX/XX/XXXX where I asked for proof to be provided that I consented to inquiries on my credit report as well as the accuracy of these inquiries. I also asked that if no proof could be provided that these items be removed immediately from my credit report. No proof has been provided and these items have not been removed as requested. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.  If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation