vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I XXXX XXXX XXXX was given a Hardship deferment in XX/XX/XXXX due to having a small series of XXXX and was considered XXXX XXXX by three doctors. After the information was sent to the XXXX. XXXX  XXXX and also XXXX - both infromed me that I would not have any problems due to health related issues that were not in my control. I was given one complete FULL YEAR of hardship deferment and i was sent notice that my payment would not start back up till XX/XX/XXXX. Now on my credit report it has the following after I have written several notices to XXXX and XXXX. XXXX   XXXX in Washington, DC. 

XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The information that has been report and posted to my credit, file by the credit bureaus, is not valid and not in compliance, per the Federal Fair Credit Reporting Act. 


YOUR COMPLAINT XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally. XXXX ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service. XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX   XXXX  and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.

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 2018-04-08 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: NY

Complaint narrative:
XXXX XXXX and myself have been disputing and notifying Equifax of FRAUDULENT activity regarding a hard inquiry by XXXX XXXX on my Equifax credit report via US Ceritifed Mail and electronically to no avail. I am continually receiving generic responses in both electronic and US Mail essentially refusing to remove the hard inquiry or recognize the fact that I'm stating it as fraudulent activity. 

The following are the dates I submitted complaints concerning this matter via US Certified Mail ; XX/XX/XXXX and XX/XX/XXXX. In these communications I have also included responses from XXXX XXXX recognizing the fraud and their diligent efforts to have the hard inquiry removed from my Equifax credit file. The responses from XXXX XXXX were sent via US Mail on XX/XX/XXXX and XX/XX/XXXX and transmitted to Equifax by XXXX XXXX  in addition to the copies I mailed to them. 

The following are the dates I submitted complaints concerning this matter via electronically on Equifax 's website : XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. Again, I am receiving the EXACT identical generic responses to my concerns. 

It should be noted that XXXX and XXXX immediately removed this hard inquiry once XXXX XXXX  notified them of the fraud. 

( Please Note that I am including all of the aforementioned communications in this complaint with the CFPB )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I am writing this letter because I noticed that my most recent credit report contains one late payment, reported in XX/XX/XXXX for my XXXX XXXX XXXX XXXX account. 



I want you to know that I understand my financial obligations. I was out of town for the Holidays during this period, and I did not realize that I missed a payment on this account. I have never had a late payment since opening this account in XX/XX/XXXX. I made a mistake in falling behind, and up until now, I've had a spotless record of on-time payments with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have been making over payments on my loan and realize that Navient has been continuously increasing the interest rate. When I started repaying my loan the interested rate was 9.75 % and remain at that rate for a entire year. When I started to make over payments the rate increased to 10 %. I called their customer service and was told that I have a private loan and the company has no control over the interest rate, so they are unable to help me. The rate have been steadily increasing as follows : XX/XX/XXXX - 10.25 % XX/XX/XXXX - 10.5 % XX/XX/XXXX - 10.75 % XX/XX/XXXX - 11 % XX/XX/XXXX - 11.25 %

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC
State: CT

Complaint narrative:
I called them To settled to pay a lower amount with the collection agency & they agreed to remove & mark my account paid in full. They lied its still shown on my credit reports in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The information that has been report and posted to my credit, file by the credit bureaus, is not valid and not in compliance, per the Federal Fair Credit Reporting Act. 


YOUR COMPLAINT XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally. XXXX ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service. XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX  and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by XXXX XXXX in XX/XX/2016 that I do not recall authorizing. 


This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The information that has been report and posted to my credit, file by the credit bureaus, is not valid and not in compliance, per the Federal Fair Credit Reporting Act. YOUR COMPLAINT XXXX XXXX XXXX ( collection agency ) XXXX creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally. XXXX ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service. XXXX   XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.

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 2018-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANS UNION, is reporting in-accurate and in-consistent information on my credit file. 

1. Date Account opened is in-accurate 2. Account number being published is in-correct 3. Last payment made has different dates ( XX/XX/2012 & XX/XX/2012 ) 4. Account is being Re-aged 5. XX/XX/2012 Published that account was charged off 6. XX/XX/2012 Published that account was 120 days late 7. XX/XX/2012 Published that account was Charged off Please see CREDIT REPORTS with in-accurate and in-consistent information, Also, see letter of evidence from XXXX XXXX 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 2018-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I called them To settled to pay a lower amount with the collection agency & they agreed to remove & mark my account paid in full. They lied its still shown on my credit reports in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Card used for one fraudulent purchase. Citibank chose to text me at XXXX XXXX (! ) and call multiple times beginning at XXXX XXXX, which was XXXX XXXX  because I was traveling in XXXX. 

Why did they not simply send an email or letter about that fraud? Asked me about two or three other  charges and those were legit. 

Upon statement review, I have found other fraudulent charges and it's been a HUGE pain to get them to do anything about the other fraudulent charges. Including a 1-way ticket from XXXX to XXXX on XXXX XXXX for a passenger who's name does NOT match my name as cardholder. 

Complaint 1 ) NO TEXTS OUTSIDE OF BUSINESS HOURS Complaint 2 ) NO CALLS BEFORE XXXX XXXX   EASTERN IN CASE CUSTOMERS ARE TRAVELING IN THE US Complaint 3 ) MAKE IT EASIER TO DISPUTE CHARGES. SHOW THE SAME SENSE OF URGENCY IN FIXING FRAUDULENT CHARGESAS THEY DID TO CUT OFF MY CARD. 

It's clear they care a ton about Citi. Too bad they don't care about their customers nearly as much.

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 2018-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/XXXX I was informed that all my Citi cards had been closed for some mysterious reason. Called and spoke with several representatives, none could give me any information other than to write to the Executive Response Unit. I did, they haven't responded a full month later. In the mean while they stole {$810.00} of my cashback ( the majority of which I was awarded back in XX/XX/XXXX and hadn't cashed out yet ) from my Double Cash card. 

This card earned 2 % cashback in the following manner : 1 % cashback for purchases, and the other 1 % cashback when those purchases were paid in full. Conveniently they aren't giving me access to my statements which shows the cashback amount. I have a statement for the status of the account as of XX/XX/XXXX showing I have a cashback reward balance of {$620.00}, and a charge for {$9000.00} for that cycle ( the {$620.00} amount includes the 1 % cashback for the XXXX charge ). Since I have no late or missed payments on any account on my credit reports- it means I have paid that balance off in full, and it also means that I would have received another 1 % cashback for that payment giving me a cashback balance of {$710.00} ( XXXX + XXXX cashback for paying the balance off ). 

Then in XX/XX/XXXX I made a charge for {$9500.00} which would have earned me {$95.00} ( 1  % cashback for the purchase ), leaving my cashback reward balance at {$810.00} ( XXXX + XXXX ). This is the amount they stole from me- I want a check sent to me for the amount of {$810.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
A close out check was sent and received on XX/XX/XXXX in the amount of XXXX from Capital One. Prior to this, a supervisor whom I spoke with a week before got a rep from Security in take team on the phone with myself, a rep my the name of XXXX ... She informed me she had spoken with the investigator handling my account, she was told to go ahead and close account, get a check sent for balance in the amount of XXXX. The check was received on XX/XX/XXXX, deposited to my XXXX account the same day. Capital One placed a stop payment on it which has caused my account to be come overdrawn the entire amount of check plus numerous overdraft fees, a total of 14 in the amount of XXXX each plus a returned check fee in the amount of XXXX. It appears another check was supposedly sent out on XX/XX/XXXX, which I did not receive. I left for vacation on XX/XX/XXXX, I was in XXXX XXXX until XX/XX/XXXX, itinerary is available from XXXX. When I arrived back home, no check was found in my mail or anywhere for that matter. Messages have been left for a XXXX XXXX whom does not return them, a total of seven ( 7 )  messages left thus far, none returned. Please note, this occurred during my vacation, I was without money and my trip ruined. I am currently seeking legal help for this matter, Capital One owes me a total of XXXX in overdraft/returned check fees plus XXXX which they stopped payment on. The total claim not including distress from loss of funds during vacation is XXXX, please advise Capital One I need a check for this amount ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM FINANCIAL IS SHOWING NUMEROUS LATE PAYMENTS ON ALL 3 OF MY CREDIT REPORTS WHICH IS INCORRECT. UNDER THE FAIR CREDIT REPORTING ACT, they are supposed to NOTIFY ME WHEN THEY ARE INSERTING NEGATIVE INFORMATION INTO MY REPORTS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a Wells Fargo Credit Card, they charged me excess fees, also I set up a payment program, they sent me documents to confirm this agreement. I made several payments into the agreement, then a family member offered to pay the account off, I made arrangements to pay off the account. Wells Fargo accepted the payment on XX/XX/XXXX. on XX/XX/XXXX they sent me a confirmation agreement. on XX/XX/XXXX, Wells Fargo reported to the credit bureaus my account was delinquent, after they had received my payment, and closed the acct.

Also I asked for a Letter of confirmation that the account was paid and there is no balance outstanding, They gave me a line that I will have to phone them to receive a letter stating my account is paid and satisfied.

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 2018-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditor Advocates Inc
State: MN

Complaint narrative:
I pulled a copy of my credit report at the end of XX/XX/2018. On my XXXX credit report was an account listed from Creditor Advocates that they purchased or were attempting to collect for XXXX XXXX XXXX. As I was not aware of any outstanding medical bills I did not believe that it was actually mine. I proceeded to send Creditor Advocates a letter, sent certified mail, requesting more information so I could look into the matter to see if I was correct and it was an error. As per the FDCPA I requested that they validate the debt within 30 days of their receipt of my letter. They updated the account on my credit report to " disputed '' but failed to send me anything to show the debt was mine and therefore denying my right to make sure the information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief