vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-05 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: TX

Complaint narrative:
XXXX XXXX has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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 XXXX has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years  after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.

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 2018-01-05 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: TX

Complaint narrative:
XXXX XXXX has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.

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 2018-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.

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 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX subject used my personal information to contact XXXX XXXX XXXX XXXX XXXX to have replacement card shipped to an address other than mine - XXXX XXXX XXXX, XXXX, OH XXXX. The subject than made ( 3 ) seperate purchases of {$1000.00} each totalling {$3000.00} at XXXX  XXXX XXXX in XXXX, OH. These transactions took place on XX/XX/XXXX at the hours of XXXX, XXXX & XXXX. On XX/XX/XXXX at XXXX XXXX I was notified by text message that Wells Fargo had received these charges. I immediately telephoned Wells Fargo and stated that these charges were not mine, request an investigation into the fraudulent charges and requested that the account be closed. It was n't until XX/XX/XXXX that I received a message on my online bank account notifying me that on Wells Fargo had shipped a replacement card to an alternate address in XXXX, OH. I do not recognize this address and have never been to XXXX, OH. On XX/XX/XXXX I filled a police report with my home town XXXX XXXX Police - Case number XXXX reporting the identity fraud. On XX/XX/XXXX I  received a letter from XXXX XXXX XXXX that they rejected my claim that these credit card charges were fraudulent and that I was responsible for their repayment.

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 2018-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is an credit card I had back in XX/XX/XXXX, I had a fight over the phone with customer service for lying to me about taking ( 2 ) late charges off at that time, which they refused to and added 2 more instead when i had a agreement with one of the worker who represented Capital one of XXXX, so I told them to just close the account which was for a total credit limit of {$350.00}, I felt they were trying to scam me since I had the card for many years, and at that time I was on unemployment, its was the beginning of the recession. They sent me and a friend of mine who is my attorney at the time, paperwork, which I disputed this hole affair and explained it to a judge, I believe my lawyer sent an order to show cause?? Not sure, I believe the judge sided with us, anyway I never heard from capital one again, that was 13 years ago. 

Until XX/XX/XXXX on XXXX XXXX I recived a sheriff notice to garnish my salary. 
Now at the same time I have a ( one ) credit card I just opened to rebuild my credit in XX/XX/XXXX and its from Capital one who just increased my credit line to {$220000.00} and I am in good standing with them? Now I spoke to the law firm that is garnishing me and they said ; they would send me all the paperwork that shows the dates, the judgement and when I was served, which I was n't ever notified of a judgement or a court date other then the court date my attorney went to, but he is now out on medical comp due to his XXXX XXXX XXXX and unable to reach?? Is this legal after all this time? Never any attempt to collect or settle or contacting me before garnishment in 13 years now that the amount has all this interest built up they garnish??? I only owed ( {$350.00} )???? If that??? Plus is n't there some kind of statued of Limitation on Judgments also??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Russell Collection Agency, Inc
State: MI

Complaint narrative:
I was not notified of the attempt to collect on the debt. I recently found out about it when I looked into my credit report. I called the agency & they stated that they did not have my apt number & that the letters were returned back to them. They obtained my cc # from me. Also this was a car accident had I known about the bills I would have submitted them to my car insurance to cover them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA - Master Card, several years ago CHANGED from a XXXX to a MASTERCARD. I never used it ( MASTERCARD ) and never wanted it. NOW, years later, their collections department is trying to collect a membership fee of {$45.00} by calling me once a day. 

I have explained this to many of the folks that call. BUT they keep calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 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: WAKEFIELD & ASSOCIATES, INC.
State: UT

Complaint narrative:
Last Reported XX/XX/XXXX Collection Agency WAKEFIELD Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$890.00} High Balance {$630.00} Remarks Account information disputed by consumer, meets FCRA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: NY

Complaint narrative:
On XX/XX/XXXX, a company called XXXX XXXX Showed up as an Inquiries on my credit report. I was not looking for any credit or loan for the last 6 months so no one should be pulling my credit. I immediately called Experian and ask them about it and why do n't the inquiries have a telephone number on it so I can call and see who pulled my credit and why. I also put a lock on my credit to make sure this does n't happen again. It is a very comfortable and scary when company pull your credit without your permission because it could be someone trying to get a credit card or a loan in your name without you knowing. Whoever company did this pull my credit did it without my consent and I want the inquiries to be removed from my report and a notice sent to them that this inquiry was fraudulent because I was not looking for credit from anyone during this time. I did a dispute with Experian and ask them to remove this inquiry. No company should pull anyone credit without your consent no only it violates someone credit report, it takes down your score up to 7 points and also can look at as if you were looking for funding and most lender look at recent inquiries as a negative thing that can stop you from getting funding. No good lender want to give you funding if they think you just got funding, they are basing your debt on what you have at that time. The second pull from XXXX XXXX is on XX/XX/XXXX I am not sure where that came from because it is 7 months ago. Be I am 100 % the first one on XX/XX/XXXX was not done by me or my consent.

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 2018-01-05 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: NC

Complaint narrative:
A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: IL

Complaint narrative:
I sent in letters to all three credit bureaus to have the bankruptcy taken off my report because its causing me a world of trouble. As of today XXXX took the bankruptcy off my report but XXXX  and Experian will not follow suit. This should not be reporting my my credit report because they cant verify the information. I want this deleted!

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 2018-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
I was approved a loan in the amount of {$600.00}. I chose the 1 yr option. I was led to beleive the outrageous interest rate was on the annual interest rate. However, i recently contacted them to find out how much I needed to pay the loan off. And I was told I owe XXXX to pay this loan off. What??? I have already paid almost 2k for a XXXX loan. This is highway robbery at it 's finest. I told them that the amount of interest is illegal in the state I applied and received the loan in. 
They said they are a tribal lender, therefore immune to state and federal law. This is so wrong. They should be held accountable just like any other business that operates within the US. Or keep it inside their reservation. Also they need to be upfront and clear about the interest rates. I was led to neleive the interest rate was annual. But to my surprise, it 's on a daily. How is that legal. I checked and the first 6 payments was entirely interest. This was not what I signed up for. They are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I made a purchase to XXXX XXXX via XXXX XXXX XXXX. Retail Card with deferred interest. I paid the account in full before the 6-month term expired. TD added a late charge of {$37.00} towards the end of the term leaving a {$37.00} balance. I complained several times and they claimed to remove it. They did not, and instead added the compiled deferred interest and now claims that I owe {$370.00} and continue to add late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-05 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: OH

Complaint narrative:
I previously attempted to resolve the matter of a public record unlawfully reporting on my credit report. The courts nor the state no any government body, FURNISHES DATA to any of the 4 major credit bureaus.

That is due to a 3rd party who I DID NOT AUTHORIZE to pull any public record with my name to sell that information to any organization nor share it with any organization. 

Anyone or Company who wishes to see a public record bearing my name needs to travel to the courthouse to view it in PERSON THEMSELVES if the matter is that important!!! 

Furthermore I opted out of XXXX XXXX and suppressed my personal information from being shared on the web or sold for profit. 

This is my last and final attempt and next I will file a lawsuit against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: IL

Complaint narrative:
I sent in letters to all three credit bureaus to have the bankruptcy taken off my report because its causing me a world of trouble. As of today XXXX took the bankruptcy off my report but equifax and XXXX will not follow suit. This should not be reporting my my credit report because they cant verify the information. I want this deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I 've done business with CapitalOne360 since XX/XX/XXXX, but I closed all of my deposit accounts except a single joint checking account in XX/XX/XXXX. I requested my XXXX XXXX report in the fall of XX/XX/XXXXand to my dismay I saw 33 inquiries from CapitalOne going back to XX/XX/XXXX! 

I have n't requested any new banking products from CapitalOne in this time frame. I also closed my only remaining deposit account with them on XX/XX/XXXX. I disputed these inquiries with XXXX XXXX, who said they can only request information on the items one at a time with CapitalOne. This must be a rather slow process, because I initially sent the dispute to XXXX on XX/XX/XXXX It is now XX/XX/XXXX and the representative from XXXX told me so far that a single item is scheduled for removal. 

I initially tried contacting CapitalOne themselves about this, but everyone I spoke to ( via phone and XXXX ) could only tell me they did n't know why these inquiries were added. There was n't even a rote answer prepared, just 'I do n't know '.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: Continental Credit, LLC
State: PA

Complaint narrative:
I had 1 late payment with XXXX XXXX Bank XXXX years ago. My credit score is now a XXXX+. I have not had a late payment since with any institution and my credit score has done nothing but go up since this incident. They WILL NOT remove this derogatory mark on my credit score. This is the only thing holding me back from having perfect credit! I haven done nothing but prove to them that I have been in good credit standing with all institutions, yet they REFUSE to make a change on this. 

I worked with a company ( XXXX XXXX ) and paid them thousands of dollars to have this removed. Yet the company did a lot of good work for me, they were unsuccessful at accomplishing this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief