vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX****, XXXX XXXX   XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

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 2018-10-30 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXXXXXX,  XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX, XXXX XXXX XXXXXXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

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 2018-10-30 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: NV

Complaint narrative:
I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall ever authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. This is the third time that I tried to resolve this issue with your staff and management team.

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 2018-10-30 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX   XXXX XXXX ( Original Creditor :  XXXX XXXX XXXX ) XXXXXXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXXXXXX  and XXXX XXXX XXXX XXXXXXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im  TRYING TO BUY A HOUSE

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 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
About two weeks ago, I recieved a call. The caller didnt identify herself clearly however asked for me repeatedly. She asks for my name and address. I told her Im not sure what this is regarding but to send a dunning letter regarding the debt ; to which she stated she didnt know what that was and hung up. To date, XXXX XXXX XXXX has placed a collections account on my credit report without send a required letter of validation to verify the validity of this collection. I also filed a complaint XX/XX/2018 with the Federal Trade Commision acknowledging my identity had been tampered with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX**** account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-30 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 disputed the collection accounts with Equifax for several attempts, to no avail ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : XXXX XXXX ) XXXX****, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**,. They did not give me evidence or verification as to why they will not remove the  accounts. The error has affected my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have not been able to work through a huge issue I have with paying a credit card that accumulated to almost {$9000.00} with CAPITAL ONE while a college XXXX. Below is an email I sent to the President of CAPITAL ONE last Friday and have not received any answer. I need help or at least communication so I can work through my problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Financial Corp XXXX XXXX   XXXX XXXX XXXX VA XXXX XXXX XXXX, I have recently XXXX from college and have not secured a full time job yet. I have been working part-time for years while going to college. I am XXXX XXXX XXXX. 

I have a Capital One Credit card that started out with a lower limit and then increased to {$9000.00}. My annual income is approximately {$20000.00}. At one time during college, I was working full time and earning approximately {$31000.00}. 

I called Capital One customer service two weeks ago to ask if I could get a lower interest rate ( currently around 25 % ). Each month I pay on this card, {$200.00} goes toward interest and {$100.00} toward the balance. I can not get ahead and simply need help. They told me it was not an option. I explained with college loans and other debts, I owe approximately {$6500.00} in total debts and need to work with Capital One on paying off this credit card. Again, the customer service representative said they had nothing they could do to assist me. I then had my mother speak to them since she is helping me pay the monthly payments. She needed to leave but took her cell phone and continued talking to your company representative. She asked that the card be cancelled and they told her that it could not be cancelled. They said I needed to be on the phone again, although I had given her the authority to speak on my behalf. 

I thought about filing bankruptcy but do not want to list that on applications for employment. I also want to pay off this credit card but simply can't. 

I really need your help. I am a hard working college XXXX. I have paid my debts up until now but this Capital One Card has gotten out of control. Can we get the card cancelled? Can I get the growing interest stopped or lowered? 

It is not possible that I pay off this Capital One Credit Card without help from Capital One in stopping the huge interest charges. 

Can you please help me? 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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 disputed the collection accounts with Equifax for several attempts, to no avail XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX They did not give me evidence or verification as to why they will not remove the accounts. The error has affected my credit score tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 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: HI

Complaint narrative:
I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-30 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: MS

Complaint narrative:
I have disputed the collection accounts with Experian for several attempts, to no avail XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX They did not give me evidence or verification as to why they will not remove the accounts. The error has affected my credit score tremendously.

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 2018-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: NJ

Complaint narrative:
XXXX ( opened ) XX/XX/XXXX {$75.00} Filed disputes with XXXX credit agency.  Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW XXXX XXXX ( opened ) XX/XX/XXXX {$150.00} Filed disputes with XXXX  credit agency. Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW XXXX XXXX ( opened ) XX/XX/XXXX {$150.00} Filed disputes with XXXX  credit agency.  Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. 
DEBT IS A VIOLATION OF HIPPA LAW Debt Recovery Solutions ( opened ) XX/XX/XXXX {$59.00} Filed disputes with XXXX credit agency. Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW Incorrect social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
My home was damaged by a massive tornado and hail in XXXX. I have been very sick and out of work since XX/XX/XXXX. I used my mortgage payments to pay for removal of massive trees that were uprooted and thrown on my home due to safety concerns along with repairs to deck railings. The insurance company sent funds to mortgage company and mortgage company will not pay my arrearages nor will they return my funds to me to pay them. They keep giving me different stories and holding my funds. There are still Thousands of dollars in repairs to be done, but contractors will not even come out for estimates now because they know they will not get paid and they cant afford to wait 6 months for their money either. This is fraud on part of the mortgage and insurance company. 

Caliber loss draft department XXXX XXXX XXXX XXXX, oh. XXXX XXXX The insurance company also sent another check that I refuse to endorse, because my ex husband is no longer on the deed. They already put a stop payment on it. {$1700.00}. They want we to send it back to them????? 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

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 2018-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Hello Digit, LLC
State: MD

Complaint narrative:
A withdrawal of {$2.00} was made today XX/XX/2018 around XXXX est. I already requested my digits account to be closed and refunded all the money they took from me as I no longer wanted their services. They did refund that small balance months ago, but now they are still taking money out my account and have not closed my account and it's been over 90 days. I am worried they are just taking money out my account and I want them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX , XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

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 2018-10-30 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: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received a letter from American Express inviting me to take advantage of a lower interest rate, and when I called to arrange it, they wouldnt give it to me. I find this to be false advertising, and they should not be allowed to market offers to people when they know they will not honor them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe
State: NV

Complaint narrative:
On XX/XX/XXXX I sent a debt validation letter to Conserve. On XX/XX/XXXX Conserve received the letter as evidenced by Certified Mail Returned Receipt. Conserve placed a negative entry prematurely in the amount of {$810.00} on my credit reports and as of today, XX/XX/XXXX have not yet responded to the letter/request for debt validation. The negative entry was later removed from my XXXX  credit file without receiving correspondence from Conserve as evidenced by attached personal credit reports on XX/XX/XXXX while on XX/XX/XXXX, Conserve was reporting the negative entry to all 3 credit reporting agencies-evidenced by attached personal credit reports. On XX/XX/XXXX I received an alert from XXXX that my credit score decreased due to Conserve adding a 2nd negative entry to my XXXX credit file ( with a different account number ) in the same amount of {$810.00}. Previously, Conserve also had the incorrect account name reporting for the negative entry as evidenced by attached credit report XX/XX/XXXX prior to its removal from my XXXX  file. On today, XX/XX/XXXX I received notification that Conserve added the account back onto my XXXX  credit file in the amount of {$810.00} after previously removing it-evidenced by attached personal credit report from XX/XX/XXXX. Conserve is in violation of the Fair Debt Collection Practices Act because : they ( Conserve ) DID NOT provide debt validation within 30 days from receipt of the request ( Conserve received and signed for the letter on XX/XX/XXXX ) ; they ( Conserve ) removed the account from my credit file and have recently re-reported the account making it appear as new ; they ( Conserve ) also added a new 2nd account in the same amount ( {$810.00} ) with a different account number after failing to validate the debt previously and I am also reporting the violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau due to my credit standing/scores being impacted by their ( Conserve ) noncompliance with FDCPA regulations.

Company response to consumer: Closed with explanation