vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reported all of these inquiries to the following Credit Reporting Agencies, XXXX Experian and submitted info related to fraud on my account with the illegal use of my Social Security No., and asked that all of the hard inquiries be removed from my credit report, as these are impacting my credit score, and are being illegally reported on my credit report. 

However these Credit reporting bureaus have refused, and completely refused to remove these erroneous inquiries from my report. 

The following inquiries are on my report and these reporting agencies refuse to take them off. 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX / XXXX  - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2019-08-25 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: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
Based on my CD application, XXXX XXXX declined my deposits on XX/XX/19. 

Their decision was based in whole or in part on information obtained in a report from the consumer reporting agency XXXX XXXX , XXXX., Attn : Consumer Relations, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Immediately, I requested a copy of their report, electronically, on their own website. According to them I should have received it within 5 business days. However, until XX/XX/19, I did not receive any report. 

I send tried to call them WITHOUT ANY SUCCESS as well as a fax to them ( at ( XXXX ) XXXX ) on XX/XX/19. I did mention in the fax that I would approach govt. authority if I don't receive a report in a day or so. 

Thus, I am left with no choice but to complain about them, their IRRESPONSIBLE behavior towards Customers. 

Hopefully, your department will sort this out and I hope to recover my credibility that might have been affected by this FRAUDULENT reporting authority.

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 2019-08-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has reinserted 3 accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) that were previously deleted and didn't notify me after years that the accounts were being placed back on my credit report.The XXXX XXXX XXXX XXXX XXXX accounts were reinserted earlier in the year and the XXXX XXXX XXXX account was reinserted in XX/XX/2019. Equifax was required to advise me that the accounts were being reinserted but never did. Equifax has repeatedly done this over the years and I have submitted several requests to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
PROGRESSIVE MGMT SYSTE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3100.00} {$3100.00} XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I am a XXXX veteran who receives 100 percent medical by and through the VA.. The VA will refer out into the community medical services from time to time .... I had XXXX XXXX XXXX throughout most ofXX/XX/XXXX, that were done through XXXX XXXX. 

In order to receive these services, XXXX received preauthorizations through the VA, prior to, and before doing any medical care. 

Somehow, or some way, XXXX decided to start harassing me for what little of my medical bills they feel they didn't get paid for. I have talked to them numerous times, and they tell me they will take care of the problem, but instead have forwarded collections to this Progressive Medical ( above ) In spirit XXXX agrees that I was not in the authorization chain, and that procedures were authorized through XXXX and the VA ... .. But yet, they are harassing me, and reporting bad credit. As a last resort I am reporting this matter to you, as nothing seems to deter these characters ... 

XXXX is a fine organizati0n, but once something gets going through their system, seems no human can stop or override it. As far as Progressive, they are obnoxious, as most of those type companies are but are only doing their job as XXXX gave them these balances to collect. 

Help! XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: MI

Complaint narrative:
I opened an account with US Bank on XX/XX/XXXX to get a car lease. Account number is : XXXX The billing statement is due on the XX/XX/XXXX of every month and i have been making payments on time upon the receipt of the statement ( paperless billing ). 
What had happened is that i somehow did not get the XX/XX/XXXX statement or went to my junk emails which resulted in not paying on time. 

US bank on the other hand did not reach out to me nor given me a courtesy call to notify me of a pass due situation. Instead, the only thing i received in the " Mail '' was a billing statement with double the monthly amount on XX/XX/XXXX and a side not saying " i am pass due on my account '' as in the attached Statement letter. 

The letter also stated that if i take care of the payment immediately, that can resolve the delinquency situation. I did pay it on the spot as in the attached transaction history ( date highlighted in yellow ). 

I have tried to reach out to US bank many times, spoken with a dispute department manager. However, they keep saying it was my fault. 

I am very careful with paying my bills and my credit history speaks for itself, and from my experience with credit card companies, they do care about customer satisfaction and credit integrity. Unfortunately, US bank just decided to ruin what i have been working on for so long just because they wanted to do so. 

I have almost 30000 $ credit limit combining my credit cards, i also am an XXXX  XXXX at XXXX XXXX XXXX. My point is i do make money and under no circumstances i did not want to pay my bill for US bank. 

I am being very honest and transparent in my complaint and my only hope is for the CFPB to look at it and try to resolve the issue with US bank. 

I have lost more than 73 points from my credit score for an unlawful mistake, i just want to fix the situation because i am trying to get a mortgage and with that late payment to stay on my report, it would be nearly impossible. 

Thank you XXXX 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 explanation
Consumer complaint received 2019-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX has reinserted 3 accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) that were previously deleted and didn't notify me after years that the accounts were being placed back on my credit report.The XXXX XXXX XXXX XXXX XXXX accounts were reinserted earlier in the year and the XXXX XXXX XXXX account was reinserted in XX/XX/2019. XXXX  was required to advise me that the accounts were being reinserted but never did. XXXX has repeatedly done this over the years and I have submitted several requests to remedy this situation.

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 2019-08-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA
State: WA

Complaint narrative:
Was told by American Education Services that I could write to XXXX bank to reduce my monthly payments to a more affordable payment amount. I submitted a letter then was told by another representative that XXXX doesnt not work with people to lower payments. They want to charge me XXXX per month for my student loans of XXXX. The amount they want to charge me inhibit my ability to pay off other debt too. I am also a single mother-divorced and left to pay all divorce debt. Need them to work with me on more reasonable payments ... even reducing by XXXX or XXXX would help. XXXX lowered my payments from XXXX a month to XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
NAVY FEDERAL Bank is prohibited from loaning ( risking ) its assets under Title 12, it therefore routinely does illegal conversions of the notes ( Credit applications ) of its customers, thereby converting promises to pay into drafts, or, orders to pay, then writes said securities to its books as assets of NAVY FEDERAL Bank that, as part of its routine business practice, NAVY FEDERAL Bank did such a conversion of the note/application of XXXX XXXX, the property of XXXX : XXXX, by converting said note into a draft or order to pay and then did write that security to its books as an asset of the bank. 
This is illegal conversion was not only a failure to safeguard the property of XXXX : XXXX, under the Privacy Act, but was also theft of XXXX : XXXX property by deception.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: GA

Complaint narrative:
I am a victim of identity theft. I have submitted the proper documents to Equifax credit reporting agency to have fraudulent items block as required by Fair Credit Reporting Act section 605B. I submitted identity theft report on XX/XX/2019. However the following accounts have not been blocked from my credit file.Section 605B of the Fair Credit Reporting Act gives consumers the right to have information block from there credit file as it pertains to Fraud if identity theft report is provided to credit reporting agencies within 4 day after receiving the identity theft report. Equifax has not blocked the following accounts from my credit file. It has been over two months since I sent Equifax identity theft report requesting to have the following items blocked from my credit file. I have attached a copy of identity theft report submitted to Equifax on  XX/XX/2019, along with a copy of Fair Credit Reporting Act section 605B. I am reaching out to CFPB to assist me in getting this matter resolve. Equifax has violated my legal right to have information removed from my credit file pertaining to Fraud under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Dispute report # XXXX for XX/XX/19 Capital One Credit Card page 3 of 10 ND showing for the month of XXXX and payment was made on time. XXXX shows ( ND ) No Data as payment made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I have a Wells Fargo " Cash Wise '' credit card with 4 promotional balances ( 0 % interest ) right now expiring in different dates : On  XXXX 's statement the balances were as follow : - Balance of {$1000.00} expires on XX/XX/XXXX - Balance of {$720.00} expires on XX/XX/XXXX - Balance of {$900.00} expires on XX/XX/XXXX - Balance of {$4300.00} expires on XX/XX/XXXX The due date for this account is on the XXXX of each month and I have never missed a payment on the account. I made a payment of {$500.00} on XX/XX/XXXX. I am making payments above the minimum focused on paying off the balances that expire the soonest which would be XX/XX/XXXX and XX/XX/XXXX XXXX. 

I received the next statement on XX/XX/XXXX and these are the balances after the {$500.00} payment was applied : - Balance of {$1000.00} expires on XX/XX/XXXX - Balance of {$670.00} expires on XX/XX/XXXX - Balance of {$840.00} expires on XX/XX/XXXX - Balance of {$4000.00} expires on XX/XX/XXXX So if you notice, the two balances that expire in XX/XX/XXXX received only {$77.00} and {$51.00} respectively and the largest percentage of the payment was applied to the balance that expires on XX/XX/XXXX. 

I called customer service on XX/XX/XXXX and I asked them : How am I supposed to pay off those balances that expire in XX/XX/XXXX, when most of my payment is being applied to the balance that expires in XXXX? 
The guy couldn't give me an answer. He just told me that they split the payments among all the balances. 
He then passed me to a " supervisor '' that couldn't give me an answer either, she repeated what the first person told me, and she told me that someone from the corporate office will contact me soon. 
I asked her if their expectation was for the customer to pay interest even though the customer is making over payments to try to avoid paying interest and her answer was that it wasn't intentional. 
I have other credit cards that offer promotional balances and the great portion of the payments if not all it's applied to the balances that expire the soonest. But with this company the customer would never win, the way they apply the payments is designed to affect the customer even though the customer is responsibly making payments. 

I think that this is another example of the cultural rot inside 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 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All the following credit bureaus are reporting erroneous information in regard to my credit report : Transunion XXXX  XXXX XXXX XXXX I, XXXX, is showing up on all the major credit reporting agencies as a judgment, when this debt has been paid in full, please see attached documents submitted. 

XXXX XXXX - is still on my report as a collection, when this was submitted to the bureaus as fraud. I disputed this on every major credit reporting agency, however they refuse to take this off the report. 

To my understanding it is being reported as closed, so this should not be reporting on my report. 

XXXX XXXX - is still on my report as a collection, as a Payday loan, I reported this as fraud also with all of the major reporting bureaus however they refuse to remove this item.

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 2019-08-25 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: PA

Complaint narrative:
Dispute report # XXXX for XX/XX/19 XXXX XXXX Credit Card page 3 of 10 ND showing for the month of XX/XX/XXXX and payment was made on time. Experian shows ( ND ) No Data as payment made.

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 2019-08-25 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: PA

Complaint narrative:
XXXX XXXX Credit Card Report # XXXX for XX/XX/19 both cards ending on Experian report account last XXXX XXXX & XXXX page 3 of  10 show ( ND ) in which the payment was made on time> Experian has error after error in reporting the correct information. Also Experian wants to blame the reporting company it goes on and on with Experian reporting info correctly.

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 2019-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Credit Card Report # XXXX for XX/XX/19 both cards ending on XXXX  report account last XXXX XXXX & XXXX page 3 of 10 show ( ND ) in which the payment was made on XXXX XXXX   has error after error in reporting the correct information. Also XXXX   wants to blame the reporting company it goes on and on with XXXX   reporting info correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I got a loan through XXXX XXXX XXXX ( XXXX ) for the purchase of my home. On XX/XX/XXXX I got an email from XXXX stating that my loan would be transferred to Nationstar Mortgage LLC d/b/a Mr Cooper effective XX/XX/XXXX. The letter also indicated that if I was set up for auto pay everything would roll over and the terms of my loan wouldnt change. On XX/XX/XXXX Mr Cooper took out XXXX to cover my principle, interest, taxes, and insurance. On XX/XX/XXXX they then took out XXXX which wasnt the usual {$1400.00}. I called them on XX/XX/XXXX and they told me that my insurance wasnt escrowed. I gave the girl XXXX phone number so she could get what she needed from them. Almost a month later I have still not heard from Mr Cooper to confirm that my payments are not back to XXXX and what difference I need to pay to bring my escrow balance up so its not short. I also made a follow up call on XX/XX/XXXX only to be transferred several times and for another girl in the escrow department to tell me that my payments still do not indicate the correct amount. I want Mr Cooper to work with XXXX and get whatever they need from them. The second girl I spoke with on XX/XX/XXXX also informed me that they did receive the documents from XXXX so I dont understand the issue and why this hasnt been corrected so that my XXXX payment isnt short as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All the following credit bureaus are reporting erroneous information in regard to my credit report : XXXX XXXX  Equifax XXXX XXXX XXXX, XXXX, is showing up on all the major credit reporting agencies as a judgment, when this debt has been paid in full, please see attached documents submitted. 

XXXX XXXX - is still on my report as a collection, when this was submitted to the bureaus as fraud. I disputed this on every major credit reporting agency, however they refuse to take this off the report. 

To my understanding it is being reported as closed, so this should not be reporting on my report. 

XXXX XXXX - is still on my report as a collection, as a Payday loan, I reported this as fraud also with all of the major reporting bureaus however they refuse to remove this item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All the following credit bureaus are reporting erroneous information in regard to my credit report : XXXX Experian XXXX XXXX XXXX XXXX, XXXX, is showing up on all the major credit reporting agencies as a judgment, when this debt has been paid in full, please see attached documents submitted. 

XXXX  XXXX  - is still on my report as a collection, when this was submitted to the bureaus as fraud. I disputed this on every major credit reporting agency, however they refuse to take this off the report. 

To my understanding it is being reported as closed, so this should not be reporting on my report. 

XXXX XXXX - is still on my report as a collection, as a Payday loan, I reported this as fraud also with all of the major reporting bureaus however they refuse to remove this item.

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