vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 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: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 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: FL

Complaint narrative:
This complaint is regarding the account XXXX   XXXX..After sending  dispute letters to Equifax and XXXX, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: FL

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: FL

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: FL

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: MS

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: MS

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: TX

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: TX

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, for months. Equifax and XXXX refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: TX

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, for months. XXXX and Transunion refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am an American Exlress Centurion Card holder, their highest level card. I have been an Amex member for 30 years. For some reason Amex has frozen my membership rewards account, which contains over 275,000 points. This occurred on XX/XX/2018. I have spoken to numerous supervisors and no one can explain why this account was frozen it when it will be resolved. It is the most ridiculous process I have experienced. We have lost the ability to buy a ticket for our XXXX trip next summer. I am considering canceling all my Amex cards and have let them know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-20 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
According to section609 of the Fair Credit Reporting Act ALL information this is reported to credit reporting agencies should bee 100 % ACCURATE. 
An incomplete account number was reported. 
There are missing fields of data from XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX of the balance, scheduled payments, past due and remarks. 
Inaccurate date account was closed, the summary on credit report states XX/XX/XXXX and the remarks on the same credit report states XXXX XX/XX/XXXX. 
Late payments fees applied to the account after the account was closed. 

I sent my first letter to XXXX/WALMART disputing the inaccurate information stated above on XX/XX/XXXX via certified mail, WALMART signed that they received letter on XX/XX/XXXX. They violated federal and state laws by NOT responding in a timely manner ( 31 days ), not providing viable evidence bearing my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, My younger brother XXXX XXXX did steal a life insurance check for the amount of {$12000.00} made payable to myself from XXXX XXXX XXXX XXXX due to the death of my mother that occurred on XX/XX/XXXX. As I just mentioned, my mother passed away XX/XX/XXXX in her home in XXXX, XXXX At the time of her death I was XXXX and so I paid XXXX to to be XXXX to come home and deal with the loss of my mother. Subsequently, my mother had life insurance and therefor a claim needed to be initiated in order to receive payment. 
My brother and filed our claims to receive payment, however on XX/XX/XXXX I was XXXX to 18 months of XXXX time in XXXX County, XXXX for the unresolved matter that I was home on XXXX for when my mother passed away. My brother took full advantage of my situation and went to my home address, stole my check from my mailbox and EXTRAORDINARILY somehow did deposit MY check made payable to myself into his Capitol One Account with HIS name attached to HIS account that I have no association with whatsoever and of-course it was illegally done. I've brought this matter to the attention of Capitol One on XX/XX/XXXX when I was released from XXXX my XXXX and learned of what my brother did. Included in my supporting documentation is a copy of the check both front and back with my brother 's social security number, phone number, his Capitol One account number, the date of deposit and my forged signature. I have an affidavit of forgery that I signed stating and reiterating the fact that the signed signature is not my own, I've included a copy of my license and my passport that all reveal my signature along with the affidavit of forgery. I've been dealing with this issue for about 4 months to no avail. Furthermore, I received a response to this issue from a woman named XXXX XXXX that gave me her phone number and work hours as a person of contact on XX/XX/XXXX. As of today XX/XX/XXXX I still have not heard from XXXX XXXX nor Capital One, Ive called XXXX XXXX nmerous times at the number and extension provided and have left messages again to no avail. It seems as though Capital One just sent any old response to have this case closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I am not able to withdraw my funds and close the account. I get error message and XXXX   refuses to address the issue. I have too many emails to the executives of the company to attach as well as to the help desk.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
They call me from several different phone numbers but it is the same company. They call about every two hours during XXXX-XXXX. As soon as I put a block on one they call me from another phone number. I have asked for them to stop calling me as I work XXXX and every time they call they wake me up. On the calls that I disregard there is no message left on the voicemail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have submitted complaints regarding CapitalOne and Master Card. My credit score was up until today XXXX now without notice or fault of my own my credit score decreased XXXX points as of today XX/XX/2018. XXXX  and XXXX   report this decrease I feel this is in retaliation for filing a complaint. I can find no reason for the significant decrease in credit score which is in my opinion highly unusual and irregular decrease.I have reviewed the credit reports and note no significant changes with the exception of one account not considered new and a small increase in amount of credit available. XXXX and XXXXare responsible for collecting and maintaining consumer credit reports in the U.S. These reports are then provided to subscribers, such as landlords, mortgage lenders and credit card companies. Lenders use these reports and credit scores to decide whether or not to extend me credit, it leaves a lot of room for interpretation. This recent credit score decrease, negatively impacts my  opportunities viewed by lenders who are deciding whether or not to extend me credit. The instant decrease would be a RED FLAG, even though I pay on time and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: MA

Complaint narrative:
XXXX XXXX was notified by registered mail, please see attached, that I was disputing charges, XXXX XXXX reported that I paid late when I was disputing the charges

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: AR

Complaint narrative:
XXXX AND XXXX XXXX ARE REPORTING INVALID ACCOUNTS AND INQUIRIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 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: First Data Corporation
State: AR

Complaint narrative:
XXXX AND XXXX XXXX  ARE REPORTING INVALID ACCOUNTS AND INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: CORELOGIC INC
State: AR

Complaint narrative:
XXXX AND XXXX XXXX  ARE REPORTING INVALID ACCOUNTS AND INQUIRIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: IL

Complaint narrative:
I have been attempting to QUICKLY resolve this matter for months. I have been sending certified letters requesting validation of this account to XXXX XXXX and XXXX. To which I have only received billing statements and not proof of any contractual obligation binding me to this debt. Despite not providing me with competent evidence that I have a legal obligation to this debt the have continued to report inaccurate information and damage my credit. I have even sent them proof of the SIGNED contract I had with them that ended XX/XX/2015. I do not owe them this XXXX bill they keep sending me as I paid everything owed when the contract ended in XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I always check my account before I use my ATM card and anything I use my ATM card Bank of America takes the money instantly from my account. but they will charge me for sufficient fee even though they have already taken the money from my account The outrageous part is, I take money from my ATM and they charge me insufficient funds even when I had money in my account. I recently wrote a check for {$1000.00}, my account balance showed I had money in my account but they charge me a fee for inefficient funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: Credit Karma, LLC
State: FL

Complaint narrative:
My credit karma account has been fraudulently accessed by identity thief. There is no way for me to restore my access to credit karma despite numerous attempts due to hacker changing profile. Credit Karma has no phone number. I have filed emails to customer service everyday for 20 days and the hacker is still in my account. This all has occurred during XX/XX/XXXX This is critical to my financial well being due to the fact that the hacker is seeing all my accounts, and has hacked into ALL MY ACCOUNTS over and over I have had to close several accounts and I have had to change my bank account 5 times in 20 days. I can no longer transact anything online. STILL the hacker finds my accounts because they are in my Credit Karma. Credit Karma should not be allowed to operate since there is NO PHONE NUMBER and they do not call back when you follow the correct channels. Hacker hacked that email I was using with Credit Karma so the hacker is probably receiving EVEN MORE INFORMATION by getting any responses by Credit Karma. It is vital Credit Karma is shut down since there is no way to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: TX

Complaint narrative:
An account I had with XXXX XXXX was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have been making over payments to my student loans. When submitting the over payment I direct Navient to apply the over payment to my unsubsdised portion of my consolidated loan. Dispite my clear direction and having called twice to address the issue all over payment continue to ignore my direction and split the payment between both the subsidized and unsubidized loans. I plan on attendeding grad school and when the subsidized portion will stop accruing interest so this behavior is actively increasing the cost of borrowing. 

During my most recent payment I took screen shots of my payment during the process and it shows until it is applied it is only payin one loan once revived they split it.

Company response to consumer: Closed with explanation