vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After placing a security freeze with each of the 3 credit reporting companies ( XXXX, XXXX & Experian ), I attempted to access how I would remove the freeze from each company. After successfully determining the steps with XXXX  & XXXX, I found Experian to be extremely difficult to remove the freeze using their website and 800 phone line. Both options were unresponsive or accommodating. It was impossible to interact with an agent to get information or lift the freeze. I would be greatly appreciative if you could work with their organization to make them provide a more user friendly means of removing a freeze once its been put in place so the general public can be protected and easily restore their credit reporting accessibility when necessary. 

Your assistance in addressing this difficulty is greatly appreciated. Regards

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 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX  partial account number XXXX. ( Please see pages23 and 24 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX, however XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed 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 explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have a credit card from Capital One. Up until recently I have had a good experience. That is because on XX/XX/XXXX when my monthly statement usually generates they sent me an email saying my due date was being changed from the XXXX of each month to the XXXX of each month. I did not and would not request this. They arbitrarily decided this due to " system upgrades ''. I have read where Capital One was recently attacked by an online hacker. However, when I called their customer service the agent I talked to didn't say what those system upgrades were for and really didn't act like he knew much of anything. In addition, each XXXX I am charged a {$60.00} annual fee. So, now with this due date change which makes my next due date as XX/XX/XXXX I will probably have double interest charges plus the {$60.00} annual fee which will all come to close to a {$200.00} payment due which is unreasonable. If Capital One has to institute system upgrades because of a hacker I shouldn't have to pay for it. They said in their email I can request another due date but it will take 1-2 billing cycles to take effect. I have done that but they do not offer the XXXX of each month as I have had. I have had to request the XXXX of each month instead. I feel this is totally unfair to me and even unlawful. How can they just arbitrarily do this causing me financial difficulty? And, if I don't pay right on time I will get hit with a {$36.00} late fee. I get monthly SSA on the third Wednesday of each month and have been able to make timely payments. Now this throws everything off and, frankly, I feel they know this. Also, I have had this card and these annual fees since around 2011 and have requested at least twice to have that fee waived and they keep telling me I am not eligible. Yet, they have increased my available credit two years in a row.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX acct number XXXX states that I owe them {$790.00}. I do not owe this company any money please validate that I have personally signed for any credit with them if not have them remove it

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 2019-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hi I applied for a credit card application through Macy and it was turn down due to not being verified through my cell phone which I dont have and I ask if I can send in my ID and my social by fax and mail and the supervisor said no and I have to reapply in 30 days and it was a waste of credit inquire and the rep was rude to me and didnt offer any alternative and this company is so cheap and I feel like I wasted my time and this is wrong and I dont have no fraud alert or any holds on my application at all my application number is # 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 2019-07-31 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: FL

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Type : Chapter XXXX Bankruptcy Status : XXXX XXXX Date Filed/Reported : XX/XX/2011 Reference No. : XXXX Court : Us bkpt ct fl XXXX XXXX Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed.

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 2019-07-31 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: FL

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Type : Chapter XXXX Bankruptcy Status : D ischarged Date Filed/Reported : XX/XX/2011 Reference No. : XXXX Court : Us bkpt ct fl XXXX XXXX Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-31 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have filed 4 disputes ( XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX ) with both XXXX credit reporting agency and Bank of America ( the creditor ) to correct an error on my report that showed up on XX/XX/XXXX. I have NOT had an active account with Bank of America since XX/XX/XXXX of XXXX when my mortgage was transferred to another servicer ( XXXX XXXX ). Each of the disputes I have filed with both Bank of America AND XXXX has resulted in NOT changing the error on my report. This is adversely affecting my attempt to re-finance my loan at his time by showing that I have two months in a row where I was 30 days late XXXX XXXX & XXXX of XXXX ). As of XX/XX/XXXX and every prior credit report back to XXXX of XXXX, the reporting was accurate because my account was closed and transferred from Bank of America to XXXX XXXX   on XX/XX/XXXX. Each of those reports showed 30 days late from XX/XX/XXXX and no late payments or XXXX. I have the online credit reports from XXXX dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ( and can submit others going further back ) showing the XXXX payment to Bank of America as not late. 

The simple fact that Bank of America transferred my mortgage loan to XXXX XXXX on XX/XX/XXXX shows that it is IMPOSSIBLE to have my XX/XX/XXXX payment be 30 days late. I was only a customer of Bank of America for THREE full days in XXXX of XXXX. I am confused as to how this change was made on XX/XX/XXXX and also why the change was made. But this erroneous change has negatively affected my opportunity to refinance my current loan to a lower loan percentage, a shorter term and also take money out of my refinance for home repairs. This needs to be corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Despite me calling them back and requesting my number be removed, they have not. THIS ISN'T EVEN FOR ME. It's for some XXXX lady. I even told them that there's no way they'd be calling for me- I HAVE NO DEBT. 
They call every single day, sometimes repeatedly. If the number is blocked by XXXX they use a different number! 

STOP CALLING ME! I'M NOT XXXX!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: AES/PHEAA
State: CA

Complaint narrative:
From XXXX to XXXX of XXXX and the months of XXXX and XXXX of XXXX it shows on my credit report I have missing payments as well as the whole year or XXXX nothing is being shown throughout that whole time I was on a forbearance program with federal student loans during that time I was unemployed and I explained that to the representative thats why I went on a special program so I didnt have to make any payments I just want those late payments to be changed because I was never never on any payment with fed loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I obtained a copy of my credit files from all 3 credit bureaus after finding out someone used my identity. I noticed several mistakes. I contacted Credit collection Services asking for validation of the 3 debts that they are reporting or remove it within 30 days. I sent them a certified letter that they received XX/XX/2019 which a XXXX signed for. i never received any validation of debt for the 3 accounts and they are still listed on my credit reports

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
This was a service provided by 01 XXXX XXXX XXXX XXXX., in an apartment that I used to live in XXXX XXXX, Florida. I was a renter in that apartment. ( Not the Owner ). They serviced the air condition unit. Thats an owner responsibility. So this is not my debts. The service was provided between XXXX and XXXX, I believe. I personally didnt sign the document of service. They said, I did. I would like to dispute this debt, because is unfair. The amount is {$330.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello, This is XXXX XXXX. I would like to file a complaint against Wells Fargo. I submitted a check for {$5000.00} as a deposit for a service into a group of scammers account on Friday XX/XX/19 Transaction # XXXX XXXX. Shortly after I realized it was a scam email account I was talking back and forth with to book a band for an event I had XX/XX/19. I placed a stop check a few hours later on that same Friday. I went into the branch Saturday morning to make sure it would not go through and to inform them of the scam. I was assured from what they see it was stopped and wouldnt go through. However, I was advised to take my money out of my account by the banker so if it did try to come out it would bounce. Monday comes and my account is in the negative by $ XXXX. So I contact Wells Fargo fraud department. It takes a little time but they end up finding out who the scammer is behind all of it and many more scams. Problem is Wells Fargo is hounding me for the money and about to put it in collections although they know for a fact I was scammed. They are saying only thing I can do is file a police report and go after the scammers. I do not feel that is fair when I did a stop check 3 days before they put it in their account. 


XXXX XXXX was over my fraud case and will vouch for this whole situation. 


XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX My account number before account was close was XXXX I can forward you guys the email messages of me and the scammer going back and forth. I can also provide the fake contract they sent. I have text messages of the scammer getting scared saying he will get the money returned. My check memo even shows I was booking a artist which I didnt receive that service because it was a a scam all the way around. I can also get document proof of time I stopped check and date they still let the check come out when I told them it was a scam many of times. 


Fake email booking they were using XXXX XXXX XXXX email is XXXX They add S after booking Account Scammers used BANK : WELLS FARGO ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : 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 2019-07-31 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: NJ

Complaint narrative:
THE PUBLIC RECORD IS A DISMISSED ACCOUNT, I AM NOT LIABLE TO THIS ACCOUNT. PLEASE INVESTIGATE THIS MATTER AND HAVE THE DEROGATORY ITEM OFF MY CREDILT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I have a loan with Santander USA for an RV. I have made some additional payments which I wanted to go toward principal reductions. Those additional payments and dates were : XX/XX/XXXX {$80.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$2000.00} My regular scheduled payment is {$1900.00} I have been sending {$2000.00} wanting the additional amount of {$22.00} to be applied to principal. I am not sure if that is being done or not. Those payments were on the following dates : XX/XX/XXXX XX/XX/XXXX I contacted Santander on XX/XX/XXXX after I received a statement and viewed my transaction history. I was told the XX/XX/XXXX & XXXX was credited to interest, because that is the way they do things. I further explained to them that the additional payments on XX/XX/XXXX & XXXX should be for principal reduction. I was told they would look into it. I have been signing into my account expecting to see a correction, but to date that has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote to Equifax on more than one occasion Re : Account numbers : XXXX reported 4 times on my credit report XXXX reported 2 times XXXX reported once These accounts are reporting on my credit report all these times without even a name or a Creditor and reporting as Collections on my credit report. I have been sending letters to Equifax to remove these incomplete and illegal negatives from my credit report since XX/XX/2019 and I have not received a favorable response from them or seen any improvement on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
We still do not have a resolution from the lender and they reordered the appraisal because they made a mistake on the previous one. Also, to add, it is very hard to get a representative on the line, usually the call drops, the Point of Contact does not respond to my emails, and most of the time the Point of Contact is unavailable when I try to reach him via phone call. We are about to lose the buyer and we need to close this 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 2019-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
In XXXX of 2019, I received a computerized voice mail to contact TD Auto Finance asap. I made the call since I had a prior automobile loan for which I co-signed for my son. Both my son and I thought the loan had been paid in full, as TD Auto Finance stopped taking their automatic deductions from my son 's bank account. When I called TD 's customer service department, I learned that they had not withdrawn the final payment, as it was a few pennies more than the payments they had been withdrawing. Apparently they do not auto debit the final payment as a result, but had failed to notify us with their 30 days ' prior notice letter. I received a notice from another creditor alerting me of a change on my credit score. When I looked at the alert, I discovered that TD Auto Finance had marked my and my son with 30, 60, 90 and 120 days late payments. 

Once TD recognized their internal error, they agreed to notify the credit bureau of the mistake. I waited 30 days but saw no change on my credit report. I contacted XXXX XXXX to dispute the late payments. I have since been advised by XXXX XXXX, that TD Auto Finance did not agree with my dispute.

Company response to consumer: Closed with non-monetary relief