vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-13 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: NC

Complaint narrative:
To whom it may concern, After checking my credit report. and learning I had a charge off on my credit report from XXXX XXXX I sent them a account validation letter. On XX/XX/XXXX I sent XXXX XXXX in XXXX, MD the debt validation letter concerning the charge off on my credit report. I asked for a validation of this debt. I wanted them to send me a copy of the original signed contract. On XX/XX/XXXX they sent me a letter stating they have reviewed their records and determined the information reported to the credit reporting agency was correct. They did not provide me with a copy of the contract as the law requires. I have attached a copy of the letter they sent me. This is not a validation of a debt. I also disputed the information on my credit report with Experian, XXXX and XXXX but the credit dispute has not removed the information 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 non-monetary relief
Consumer complaint received 2018-05-13 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: CA

Complaint narrative:
XXXX XXXX is showing me as having authorized user status on a XXXX account that isnt mine. I have called them on numerous occasions, the latest being XX/XX/18 and asked them to remove my name from the account. I have not authorized XXXX XXXX to issue me a card on this account nor consented to them to report this accounts status information to my credit file. They refuse to remove me as an authorized user and delete the account from 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 explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Want to access my account online and cabt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My identity was stolen to open a private label Capital One Kohls account at XXXX Sunday XX/XX/XXXX I received email receipts of XXXX watches being purchased in an account in my name I did not open I received an immediate alert from XXXX and XXXX monitoring. 

I tried to call Kohls credit card department and was informed they dont open until XXXX on Sundays!! 

In the meantime I saw more receipts for more fraudulent watch purchases I have a general purpose Capital One card and called them and told them the problem. They told me they have no access to the private label credit card system. My response was the same ultimate bank is granting private label and general purpose unsecured credit and you have no exchange of information between the two businesses. 

He said yes. I have no idea how Much the private label credit line is or whether it is delinquent when I look at that credit in the general purpose card system Therefor Capital One has no idea how much credit they are giving to the same client across their unsecured consumer credit businesses and if a client defaults in one business it does not automatically Impact the other business This is horrible risk management and they should be in the penalty box and not pay any shareholder dividends until fixed XXXX XXXX XXXX Investment Banking and unfortunate Capital One client

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: FL

Complaint narrative:
I have attempted to dispute the incorrect reporting of the XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX accounts on several occasions. The XXXX, XXXX and XXXX XXXX XXXX accounts have been paid and are not reflected as such on my credit report noted on the attached screen shot. They are being reported as " negative '' rather than " paid ''. I am attaching copies of proof of payment of these three accounts. The XXXX XXXX account is over 7 years old and should be removed. The date opened being  reported is the date the collection agency received the account as was verbally confirmed with XXXX XXXX. I have requested that proof of this debt AND the date of delinquency be provided to me by XXXX XXXX in the same conversation and it has been more than 30 days and they have not provided proof of this to me. In addition to this account being over 7 years old, I do not believe that I owe this debt. The incorrect reporting of these items are affecting my ability to obtain a mortgage.

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 2018-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have been receiving unwanted credit card applications at my work address from Capitol One since XX/XX/XXXX. I have contacted Capitol One on at least 12 occasions in the past 2 years to get this to stop. In XX/XX/XXXX, I signed up for the PERMANENT OPT OUT list with all credit reporting agencies and still I am receiving these offers. 

In the past 2 years, I contacted Capitol One on the following dates each after I received a unwanted credit card application. On each of these occasions I have been assured my name would be removed from the mailing list. 
I called in XX/XX/XXXX ; I called in XX/XX/XXXX ; In XX/XX/XXXX I spoke with XXXX ; XX/XX/XXXX I spoke with XXXX ; XX/XX/XXXX I spoke with XXXX, a supervisor ; XX/XX/XXXX I spoke with XXXX, a supervisor who said I would be removed from their list permanently ; XX/XX/XXXX I spoke with XXXX who provided a case number XXXX ; I called on XX/XX/XXXX ; in XX/XX/XXXX I spoke the XXXX, a manager to get this ti stop and with her supervisor XXXX ; on XX/XX/XXXX I received a letter from XXXX XXXX with Case number XXXX stating I would be removed from the list for 3 years. She suggested the op out registration. 
I received another solicitation in XXXX and called on XX/XX/XXXX and spoke with XXXX ; I registered for the Permanent opt out in XX/XX/XXXX. 
I called again on XX/XX/XXXX and spoke with XXXX ; After receiving another solicitation in the mail on XX/XX/XXXX I decided to file this complaint. I left a voice message for XXXX XXXX informing her I would be filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 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: FL

Complaint narrative:
I have repeatedly disputed this account with the collection agency, XXXX XXXX XXXX, XXXX and Experian. However, this account remains on my report as being accurate. However no one can provide proof of this debt, EOBs from insurance companies, bills, etc. I have been insured on a constant basis and I should not EVER have a medical bill with a balance this large. I get ZERO cooperation from the credit reporting agency. I do not believe I owe this collection account of {$860.00}.

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 2018-05-13 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: FL

Complaint narrative:
I have repeatedly disputed this account with the collection agency, XXXX XXXX XXXX, Equifax and XXXX. However, this account remains on my report as being accurate. However no one can provide proof of this debt, EOBs from insurance companies, bills, etc. I have been insured on a constant basis and I should not EVER have a medical bill with a balance this large. I get ZERO cooperation from the credit reporting agency. I do not believe I owe this collection account of {$860.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
My wife and I applied for a mortgage refinance with Quicken loans. They made two hard inquires on XX/XX/XXXX and one inquire on XX/XX/XXXX. I talked to Quicken and ask why they made three hard request in two days they could not explain. I ask them to please remove all but one and they said they could not. This affecting my credit score and I would like to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: NV

Complaint narrative:
Account was oppened without my knowledge. Ive disputed it multiple times with the credit beuroes. Keeps coming back as " Account was in dispute-now resolved-reported by subscriber ''. Inncorrect reporting for multiple reasons. It's shows on time payments since XXXX ( 6months ) I've only made 1 payment ever last month ( XXXX ). " XXXX XXXX XXXX XXXX has flagged your account as Card Over Limit ''. I made the first payment ever last month to bring the balance down when I called and asked if I should make another payment I was advised not to because it was in dispute. So I didnt, and the following month they charged me interest or something on a closed account that I was told not to pay now the balance is higher than the limit it had. This company has no intention on resolving this they make me jump through hoops and keep me in a negative standing meanwhile. They have never kept me updated but continue to make up stuff on my credit report. Definitely a violation of the FDCPA 807, and the FCRA. Could you please look into this and get it resolved

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 2018-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
In XX/XX/XXXX, I applied for an equity loan against my primary residence and was denied citing two missed mortgage payments ( XX/XX/XXXX & XX/XX/XXXX ) on a secondary property. I provided the reason I missed the payments as follows : In XX/XX/XXXX, while on vacation, my sister suddenly had XXXX XXXX. She was rushed to the ER and admitted with a diagnosis of XXXX XXXX XXXX. We were out of state and she could not be stabilized to travel back home.The expenses for treatments and consultations mounted and I had to help bear the costs. I notified my mortgage company of the dire situation and informed them the payment would be missed for the two months. This was a very difficult time for me financially and I needed help. In XX/XX/XXXX, I reapplied for the same equity loan as I had been told to wait one year due to the two missed mortgage payments, however I was denied again. I initiated an appeals process in order to address the concerns raised by the Equity Processor. I was thorough with my explanations and documentation, however, when I received their formal letter of denial it stated the information I provided was not sufficient to alter the original decision. I was disturbed by their response because one of the areas of concern dealt with my debt to income ratio. I provided them with a lease agreement from my tenant who has an account with their bank. I also provided the tenant 's account information showing each monthly payment. I fail to understand why this additional information was not helpful since the mortgage payment is {$1600.00}. Additionally, I provided a full explanation as to why I missed the two mortgage payments as well as a disputed charge-off by XXXX XXXX. Another area of concern was a {$15000.00} loan I took out in desperation when the equity loan was denied. The interest rate on this loan is 24.57 % ; term of the loan is 36 months and the monthly payment is {$550.00}. My credit report will document I have had no late payments on any account ever, except the mortgage situation I explained above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have never done business with Navient. Further, Navient can not provide original documentation proving that I ever did business with them ; therefore, their claims are invalid. They continue reporting to the credit reporting agencies monthly that I have missed payments ; however, I have NEVER done business with them. 

I have reported this to the Consumer Finance Protection Bureau, but the CFPB has done absolutely nothing. 

I have also reported XXXX XXXX XXXX. XXXX is now closed ; I quit attending classes there when I realized that they were a scam. They generated loans without disclosing the amounts to me and lied to me to attempt to keep me as a student. I reported their crimes to the CFPB and the CFPB has done nothing. 

It has been a long time since I reported EVERYTHING to the CFPB IN FULL DETAIL and have yet to hear anything back. 

I have researched the CFPB and have concluded that the CFPB does absolutely nothing and is a waste of taxpayer 's money. 

Until you show me results, I will have to believe that you guys sit around and do absolutely nothing. 

After all - numerous consumers already state that that's what you do. Further, you have done absolutely nothing to help me. 

I want the CFPB to be audited and to also FINALLY take the initiative and time to assign an investigator to my claims against both Navient AND XXXX XXXX XXXX. 

You say that it's your job to enforce rules to keep financial companies operating fairly. When are you going to actually do your job?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I was involved in an auto accident in XX/XX/2013 whereas I had a substantial amount of medical bills that I had to pay. I advised capital one creditor but help was to no avail. I subsequently settled but the late payments are still effecting my credit score on a negative basis. I have asked for a deletion since my balance is XXXX but they refused. It is a fact that these companies are biased against XXXX. If i were a Congress member they would assist me but since I am not I'm being treated with contempt. I received my credit report trio last week. Wherein my credit scores are very low AND YES, I DID WRITE TO THE CEO BESEECHING HIM FOR HELP. ANSWER RETURNED NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
I receive calls from Diversified Consultants five to six times a day almost every day of the week. I have requested that they discontinue all calls as a result on several occasions but they just increased after the conversation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Over the last 6 months, Equifax sends online notification their investigation is complete and to view the results. Every time I try viewing the results using the confirmation given, an error page shows up. I may wait a few days same thing. Equifax does cooperate with assisting with an dispute they are not an unbiased organization created over 50 years ago. Equifax is the only credit bureau giving me a XXXX score ( poor ). Equifax the only credit bureau that plays games on the world wide wide. 

I received several notifications that account information was changed that need my attention updated by Equifax pertaining to XXXX and XXXX XXXX in conclusion of closed CFPB complaint regarding both creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: First Federal Credit Control, Inc.
State: MI

Complaint narrative:
First Federal Credit Control continues to report false and inaccurate information on my credit report that I owe {$240.00}. I have disputed this account multiple times. This is not my account. I never used any services from this company. I am entitleded to a fair and accurate report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received a new credit card from Synchrony Car Care ( Synchrony Bank VISA credit card ) when I made a purchase of {$930.00} from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX.I was promised to receive a {$100.00} prepaid card because I had made that purchase of more than {$590.00} with the new Synchrony Credit Card. That original transaction was done on XX/XX/XXXX. Since that time I have contacted the company 's rebate center many times because I have not received my prepaid card. The first few times they claimed to have made a mistake on my address ( not including my Apt number ) and they would correct the error and resend my prepaid card. To date I have not received the prepaid card. The last time I contacted the rebate center, I asked to speak to a supervisor. I was told that one was not available at the time but I would be contacted by phone in a day or two. That did not happen either! I feel like I am getting the 'run around ' by the company and they have no intention of sending me the {$100.00} prepaid card.

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 2018-05-13 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report false and inaccurate information on my credit report that I owe {$240.00}. I have disputed this account multiple times. This is not my account. I never used any services from this company. I am entitleded to a fair and accurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report false and inaccurate information on my credit report that I owe {$240.00}. I have disputed this account multiple times. This is not my account. I never used any services from this company. I am entitleded to a fair and accurate 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