vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-03 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: CA

Complaint narrative:
XXXXXXXX XXXX is illegally reporting the following accounts on my credit report : Account # XXXX ... XXXX Account # XXXX ... XXXX Account # XXXX ... XXXX I have disputed these accounts several times requesting XXXXXXXX XXXX to provide physical verification in XXXX, XXXX, & XX/XX/2018. Per my rights, I requested a copy of the original contract with my signature that says I agreed to pay for this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original  signed consumer contract for any and all accounts you post on a credit report within 30 days. XXXXXXXX XXXX refuses to provide me a copy of a legal agreement/contract with my signature ; therefore, they must REMOVE all 3 accounts from my credit report. 

XXXXXXXX XXXX has responded by sending me generic system-generated letters from their computer system with the codes XXXX & XXXX. They refuse to do a proper investigation and continue to ignore my request of providing me with a copy of the original contract with my signature. The generic pre-written letters are not sufficient in verifying debt. I have attached copies of the system-generated letters I received from XXXX XXXX. The law states you must provide a copy of the legal contract with my signature. XXXXXXXX XXXX   continues to violate my rights according to the FCRA. 

XXXXXXXX XXXX sent me letters stating to contact the debt collection agencies instead. Listed below are the actions I have taken regarding the referenced accounts : Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX and asked for verification. They could not provide me with verification and responded by letter they will be deleting the collection from my report. I have attached the letter from XXXX XXXX for your review. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX XXXX. 
I disputed XXXX XXXX XXXX and requested verification. The collection was deleted from my credit report because they were not able to provide verification of debt. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX, XXXX. I contacted XXXX XXXX and requested verification of debt. They have not provided me with a copy of the original contract with my signature. 

XXXXXXXX XXXX is the original creditor. They continue to report derogatory account information on my credit report illegally without providing me verification of debt according to my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: CA

Complaint narrative:
XXXXXXXX XXXX is illegally reporting the following accounts on my credit report : Account # XXXX ... XXXX Account # XXXX ... XXXX Account # XXXX ... XXXX I have disputed these accounts several times requesting XXXXXXXX XXXX to provide physical verification in XXXX, XXXX, & XX/XX/2018. Per my rights, I requested a copy of the original contract with my signature that says I agreed to pay for this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. XXXXXXXX XXXX refuses to provide me a copy of a legal agreement/contract with my signature ; therefore, they must REMOVE all 3 accounts from my credit report. 

XXXXXXXX XXXX has responded by sending me generic system-generated letters from their computer system with the codes XXXX & XXXX. They refuse to do a proper investigation and continue to ignore my request of providing me with a copy of the original contract with my signature. The generic pre-written letters are not sufficient in verifying debt. I have attached copies of the system-generated letters I received from XXXX XXXX. The law states you must provide a copy of the legal contract with my signature. XXXX XXXX   continues to violate my rights according to the FCRA. 

XXXX XXXX sent me letters stating to contact the debt collection agencies instead. Listed below are the actions I have taken regarding the referenced accounts : Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX and asked for verification. They could not provide me with verification and responded by letter they will be deleting the collection from my report. I have attached the letter from XXXX XXXX for your review. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX XXXX. 
I disputed XXXX XXXX XXXX and requested verification. The collection was deleted from my credit report because they were not able to provide verification of debt. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX, XXXX. I contacted XXXX XXXX and requested verification of debt. They have not provided me with a copy of the original contract with my signature. 

XXXX XXXX is the original creditor. They continue to report derogatory account information on my credit report illegally without providing me verification of debt according to my rights under the FCRA.

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 2018-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
NAVY FEDERAL CU account with debt amount of {$750.00} is not mine, identity theft. dispute has been sent to the company 4 times without any solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Credit Control
State: CA

Complaint narrative:
On XXXX XXXX I checked my credit with XXXX, XXXX and XXXX and collection company placed a collection on Medical Billing in which my XXXX XXXX covers my health insurance. 

I am Retired, XXXX Lifetime and XXXX XXXX Honorable Military Veteran. 
I am on a fixed XXXX Retirement income and can not be paying debts that I don't owed. 
My Health insurance should pay the {$450.00} debt on Medical billing. 

I wasn't notified of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
WELLS FARGO BANK CAR with high balance of {$2200.00} is not mine. Identity theft. Issue was brought up with the company 4 times already without a solution.

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 2018-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a phone call from a debt collector claiming to be from Sears looking for my son at XXXX XXXX Saturday morning XX/XX/XXXX. I have nothing to do with this debt and don't know why they're calling me. I wish to file a complaint. It is unfair that a family member should have to bear this burden for someone who knows nothing of a debt that they claim on my adult son. The number they called me from is : XXXX ( XXXX XXXX, Texas ), as identified by the caller ID on my phone. The caller sounded to be a young female. I had appointments today that required my utmost attention and by disturbing my sleep, ruined my capacity to perform at my best. I wish compensation for their frivolous actions as well as a formal apology.

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 2018-11-03 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2018 I had a hard inquiry enter onto my credit report. I noticed it was through a bank, I havent applied for anything to obtain this inquiry, so I contacted the company from the phone number provided in the inquiry, they were unable to find any account for my social, however found plenty with my name. Was wanting to file a complaint to have this remove from my account.

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 2018-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
On XX/XX/18 to a MoneyGram location to send {$300.00} to a recipient in XXXX. I provided all identification for verification required and paid any required fees in addition to the {$300.00} in cash. According to the service advertised and selected, the money was going to be available in 10 minutes the same day ( XX/XX/18 ). 

When the recipient went to pick-up the money the next day ( XX/XX/18 ), he was told he does not have the correct reference number. surprised, I then sent him a picture of the receipt which bared the same reference number. The recipient went back on XX/XX/18 to pick-up the money and was told that in fact the reference number was correct ; however, MoneyGram has blocked the disbursement. I called MoneyGram customer service the same day to inquire on why the money was not available as promised, and was taken through a lengthy ( and abusive ) verification on the phone without providing me an answer on the were about of my money. 

I ultimately ended the phone call, went to the store, and cancelled the transaction for a refund on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Bought XXXX XXXX XXXX in XXXX and finance through Capital one finance, reporting all my payments late which is untrue ... also repossessed my car after 3 days being late XX/XX/XXXX after me calling them that family member is ill.Car was taken at XXXX XXXX and they wrote on report it was taken at XXXXXXXX XXXX  so they could get extra day storage. next day paid all fee. at storage yard .paid cash .I want to get my license from parents car they had automatic lock on door and wouldn't let me out for 15 minutes. 
I just was looking at credit report, have look at for over 6 years and saw this Neg, marks that I was late on all payment which is untrue, I was give a refund check which the put stop payment and effect my bank account, I over paid just to get my car out and want these neg off credit reporting companies. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AR

Complaint narrative:
In XXXX we were sent a escrow overpayment check from our mortgage company Amerihome Mortgage. In XXXX we received a statement and our payment had gone up. We called the mortgage company and they explained to use that the payment had gone up due to a shortage in our escrow because of a forced gap insurance on our policy. We asked then why there was a shortage when we had only had the house a year and it was enough to receive the mortgage. We made the payment to cover the " gap insurance '' and our mortgage went back down. Then in XXXX there was another credit for over payment. In XXXX we received a mortgage statement and our payment had gone up again. The first customer service rep told us that it was extra insurance added due to earthquake insurance. ( which is covered under our home owners and we are not on a fault line ) The next day we received another call saying it was not earthquake insurance but more flood insurance. ( which would now make twice on top of our original flood insurance we already pay ) The customer service rep stated that we pay {$2400.00} a year in insurance and we need to maybe look around for other insurance. We contacted our insurance company which states that we only owe {$1600.00} a year. When we contacted the mortgage company again the customer service rep just kept arguing and hung up on me. They are telling me that it is extra insurance but our insurance says otherwise and frankly we are at a breaking point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: LEXISNEXIS
State: CA

Complaint narrative:
I have contacted the 3 major credit bureaus XXXX, XXXX, and XXXX that the account on my credit report regarding a bankruptcy is inaccurate. They have informed me they received the info from you Lexis Nexis. After asking you to verify the info you said you " verified '' the info as being accurate. Really? When I contacted the court and the clerk verified that they dont verify records with the credit reporting agencies. So where are you pulling this information from? You are required to have firsthand knowledge, which means you need to furnish the actual petition. The Court should be the furnisher of information, not a third party source. I know for a fact that your company receives information on bankruptcies from a third party known as Pacer. The pacer system is inaccurate and incomplete since the pacer system does not provide complete social security numbers as that would be against the FCRA and privacy laws. Furthermore, the Fair Credit Reporting Act is inapplicable to the Court because the Court is not a consumer reporting agency. I'm pretty certain what your company is doing is illegal but you keep violating my rights. You must obtain firsthand knowledge. How can one obtain firsthand knowledge from a 3rd party? 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. Secondly, the item is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: FL

Complaint narrative:
On XX/XX/2018 I was notified about a hard inquiry open on my report, while checking my credit report I noticed this inquiry from a bank, knowing I havent signed up for anything to have this inquiry I contacted the company listed on the inquiry, while speaking with the company they were unable to find an account for my social as well as my address but did see several accounts with my same names as mine. Needing to have this removed from my account. This is not accurate.

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 2018-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
On XX/XX/2018 I applied for the American Express Green card. On the we page from American Express which I applied on it stated " Special Offer for you! Earn 25,000 Membership Rewards points after you spend {$1000.00} dollars on purchases on your new card within the first three months! '' I proceeded to apply and was subsequently approved. After meeting the terms within the first month I waited for my bonus to post to my Membership Rewards account but nothing came for 3 months, and that is when I made my first inquiry to American Express. I was told an investigation would be opened but never heard anything back. A few months later, after repeatedly attempting to get information regarding my inquiry, I inquired again and they said " We have reviewed you account and do not have a record of the 25,000 points offer being extended to you. Therefore we are unable to award these points to you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I am very concerned that this bank engages in deceptive practices by using certain language and not using other language In order to get customers to both open and keep open the account so that they may incur uneccesary fees. This bank claims that in its terms and agreements it outlines that if you make a Single late payment not including it a recurring credit bureau audits it can and will decrease your credit limit. This action adversely affects the customer. The company claims its in its terms and agreements, how convenient. How can a company charge a late fee 1 day after the due date when they dont offer any alternatives to the customer to avoid making a late a payment. Such as, automatic debit payments, 1,2 or 3 day curtousey text, email reminder or grace periods for payments. Instead this bank and its representatives have said that I should use the features MY BANK offers me in which to pay my bill on time. I feel The burden should not be on the consumer to avoid late fees if the banking institution hasnt fully developed options for its customers to make a payment ON TIME. You have to physically log on every time just to make a payment and or schedule one every 30 days. This is not okay considering XXXX hasnt met its burden of providing payment options only to turn around and make money off of customers for their inadequesies.. These bogus terms and agreements, then gives them the legal authority to charge an account {$27.00} for a late payment without providing ANY GRACE PERIOD. This company turns around and punish the customer for not using a feature of THIER bank to make payments. I have many CC companies and Ive NEVER had my credit limit decreased. I am closing my account and cutting my losses. If they can close my account at its own discretion which will then have a negative impact on my credit, I should cut my losses early. This option is NOT favorable to consumers. But these practices leave consumers no choice but to stop doing business with this kind of company. One with no ethics and is predatory. This predatory banking/lending institution should be closed down for its deceptive and unfair practices against consumers. This bank is equvilanent to XXXX XXXX. A shady company to say the least. A XXXX Card is BEST A CLOSED CARD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, XXXX  and XXXX are given my priivate information to companies and Collection companies. 

There is a Collection of {$440.00} that I am not aware and didn't receive any notice by US Postal Office Mail. 
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, California XXXX XXXX has placed a collection and knowing that I am XXXX XXXX and Retired. 
Collection was placed on around XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, Transunion and XXXX are given my priivate information to companies and Collection companies. 

There is a Collection of {$440.00} that I am not aware and didn't receive any notice by US Postal Office Mail. 
XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX, California XXXX XXXX has placed a collection and knowing that I am XXXX XXXX and Retired. 
Collection was placed on around XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX and Equifax are given my priivate information to companies and Collection companies. 

There is a Collection of {$440.00} that I am not aware and didn't receive any notice by US Postal Office Mail. 
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, California XXXX XXXX has placed a collection and knowing that I am XXXX XXXX and Retired. 
Collection was placed on around XX/XX/2018.

Company response to consumer: Closed with explanation