vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX won't let me gain access to my XXXX report. it says that i can not accurately identify myself though the questionnaire after several attempts. i am assuming there is some form of credit fraudulence on my report which i don't know about and can't confirm my own identity ... 

XXXX doesn't have an easy way to review my credit report like XXXX and XXXX do.

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 2018-04-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion Failed to Respond to my dispute after 2 requests have been made. 

On XX/XX/XXXX- I made an online dispute of 2 items on my credit report -which are really hindering my credit hence my future. I received no response. 

Secondly on XX/XX/XXXX - I wrote transUnion via certified mail return receipt- regarding their failure to respond within the required 37 days as stipulated under section 15 U.S.C.

1681i ( a ) ( 1 ) ( A ) & ( 3 ) ( B ) of the FCRA. Yet again I received no response. 

TransUnion-has been unresponsive to both attempts, it has now been over 3 months from the original dispute. 
Attached please find copies of the corresponding documentation.

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 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I have a checking account with USAA Savings Bank. There were a number of fraudulent charges on my checking account. All of which were done at various gas stations. once I discovered the charges I disputed them and receive a credit on my account for the charges, the amounts were {$91.00}, {$87.00}, {$74.00}, {$72.00}, {$69.00}, {$62.00}, {$60.00}, {$57.00}, {$32.00} and a {$29.00} NSF fee. All of those charges were made at gas stations. The credit for those charges was received on XX/XX/XXXX. The take back occurred on XX/XX/XXXX in the amount of {$360.00}. I received no explanation of why this occurred nor did I receive any information on where the amount came from. and as of today XX/XX/XXXX I still have no explanation of this debit take back. I explained to the representative that my vehicle only holds 12 gallons of gas and I do not use premium fuel, there is no way that my car will hold that much fuel. My issue with the bank is that no one can explain to my why this money was taken and they just keep telling me to allow two days. I have called them 5 times at this point and there is no resolution yet. They also have not given any valid reason for them to be taking money from my account either.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX-I believe this is a XXXX Capital One credit card originally.

XX/XX/XXXX Capital One CFO sent Certified Mail return receipt requested sent to dispute debt, no response.

XX/XX/XXXX sent second certified mail return receipt requested sent to CFO Capital One, no response.

XX/XX/XXXX, 3rd certified mail return receipt requested letter sent to CFO Capital One, disputing debt, no response.

Then, I filed a complaint with cfpb # XXXX, no response from your company.

I have sent XXXX 2 letters of dispute with no resolution. NO ONE from XXXX NOR XXXX  has validated the debt since XX/XX/XXXX.

I quoted the FDPC they were in receipt of notice to validate the debt, they refused legally 3 times with no response as to the validity of the alleged debt.

I am sure this is in the records that XX/XX/XXXX has when they bought the debt second hand from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I try reaching out to Discover credit let them know that I did not receive services company called XXXX XXXX.There was a charge like {$360.00} that I disputed twice and so Discover is saying they are not going to dispute.The company sent Discover credit card some fraudulent paper stating that all sales are final but no services were ever performed.I submitted a dispute with CFPB about this issues with XXXX  XXXX how they are making racial slurs and cursing at me over the phone.They pretty much took my money keep changing the phone numbers somewhere in the XXXX .I spoke to some name XXXX in the dispute department and she is giving me runarounds after I explained what going but keep insisting they are not going dispute the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: TX

Complaint narrative:
Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an inquiry had been made on XX/XX/XXXX. I contacted XXXX and asked them to remove their credit inquiry from my credit profile. According to XXXX they could not verify that the information was being reported. I request that you initiate a REINVESTIGATION into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was Not Permissable. If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: OR

Complaint narrative:
I have reported to all 3 credit bureaus multiple times that XXXX is wrongly reporting my private loan status/information. The account was opened in XX/XX/XXXX for {$10000.00} and started repayment in XX/XX/XXXX. My credit report states that the account was closed ( and charged off ) in XX/XX/XXXX. It is still on my credit as an open account and reports that I am 90 days late every month and also reports that my account is charged off every single month. 
How can both be true? If the account is closed/charged off then no payments are due. 
Or if the account is open then it hasn't been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: OR

Complaint narrative:
I have reported to all 3 credit bureaus multiple times that XXXX is wrongly reporting my private loan status/information. The account was opened in XX/XX/XXXX for {$10000.00} and started repayment in XX/XX/XXXX. My credit report states that the account was closed ( and charged off ) in XX/XX/XXXX. It is still on my credit as an open account and reports that I am 90 days late every month and also reports that my account is charged off every single month. 
How can both be true? If the account is closed/charged off then no payments are due. 
Or if the account is open then it hasn't been charged off.

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 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
PLEASE SEE ATTACHED IT IS A IDENTITY THEFT REPORT FROM THE FTC XX/XX/2018 XXXX M XXXX : XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: TX

Complaint narrative:
The loan originator shared my confidential data, including the value of my investment accounts, to my realtor who is an external party that referred me to this loan originator. Consent was not provided to share my financial information outside the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Both my wife and I signed up for the Chase XXXX XXXX XXXX card in XX/XX/XXXX. At that time when you completed one year with the card ( and paid the {$49.00} annual fee per card ) you would receive a certificate good for any XXXX property in the world. Therefore, this year ( XXXX ) in XXXX we were set to receive this certificate after paying the {$49.00} fee. In early XXXX of this year we each received a letter stating that any certificate issued after XX/XX/XXXX would only be good at XXXX hotels valued at 40K points or less. This was pretty annoying because we had signed up with a different understanding. However, we know that companies reserve the right to change programs at will. 

However, we later discovered in a written communication with a Chase representative that " If a customer 's account was opened between XX/XX/XXXX and XX/XX/XXXX the this change doesn't apply to their account for the first year ''. See attached picture. Thus, someone who signed up AFTER we did would receive at least one unrestricted certificate. It defies logic that the company would reward people who signed up later than us to receive a reward from which we were being denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 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: KS

Complaint narrative:
I check my credit report once in a while and I was surprised to find out that I have 4 hard inquiries that I have no knowledge of and that I did not authorize. Inquiry # 1 XXXX XXXX XXXX XX/XX/XXXX, Inquiry # 2 XXXX XXXX BANK XX/XX/XXXX, Inquiry # 3 XXXX XX/XX/XXXX, Inquiry # 4 XXXX XX/XX/XXXX, Inquiry # 5 XXXX XX/XX/XXXX, Inquiry # 6 XXXX XX/XX/XXXX, Inquiry # 7 XXXX XX/XX/XXXX, Inquiry # 8 XXXX XX/XX/XXXX, Inquiry # 9 XXXX XXXX XXXX XXXX XX/XX/XXXX, Inquiry # 10 XXXX XXXX XXXX XX/XX/XXXX. I immediately contacted each one of them by mail asking them to send me any kind of authorization made by myself, or if they made an error to have the inquiry removed from my Experian credit file. I also sent a dispute to Experian about the ten inquiries that I mentioned on my credit report. I asked Experian to open an investigation and some of them responded by mail stating that they will not remove the hard inquiries because at the time that the information was provided at the time matched the credit bureau files and that the inquiries will be removed after 25 months, and some of them did not respond and I find that very concerning because I did not ask them when the hard inquiries will be removed or when the information that was provided at the time did match or did not match the credit bureau files. When I sent the companies a letter it stated that I have no knowledge authorized of that inquiry and I demand any kind of document which they did not send. Then I contacted the companies by phone demanding them to have that removed because it was not me. I asked them to send me a signed document by me or a recorded phone call authorizing them to pull my credit report then the representative said that they need to order the signed document from the archive. In all the attempts I made by phone or mail I did not get any appropriate response from the ten companies that I mentioned. Experian did not respond to my letter more than 35 business days and by law a credit bureau must respond within 30 business days when opening a dispute and an investigation, and if they do not respond, by law it has to be removed from the credit files. I did contact Experian by phone after 35 business days to follow-up and they told me that they can not remove hard inquiries from a credit report only if the financial federal bureau will order them to have it removed. Therefore, I ask the CFPB to open an investigation and order Experian and the ten companies that I mentioned to have the ten inquiries that I mentioned deleted and removed from my credit file or send me any document that authorized the ten companies that I mentioned to pull 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 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Barclayscard to discuss my account ending in XXXX. 
I was advise by agent Barclays offered a payback plan of XXXX per month to save my credit and to attempt to pay back what was owed. However I would need to pay the past due balance in XXXX payments of XXXX in XXXX and XXXX to bring current. They would wave the late fees and I could change my due date and set up auto payments. 

I made XXXX payments in XX/XX/XXXX for XXXX dollars and new for XXXX dollars. 
i also made the payment XXXX dollar payment in XXXX and started to make the auto XXXX dollar payments When I checked in XXXX my balance in only XXXX dollars less than i started over 4 months ago and they are charging illegal late fees and refusing to change my due date unless i come up with hundreds of dollars more. 

They made a commitment and an agreement with me to pay back certain debt. now they are attempting to revolve on the agreement and charge me additional monies or report me to credit bureau

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 2018-04-18 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX/EQUIFAX/TRANSUNION XXXX : XXXX BANK XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 
1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CR 2 ) I AM IN A SETTLEMENT AGREEMENT AND HAVE BEEN MAKING MY PAYMENTS AND THEY ARE NOT REPORTING THIS FACT AS THEY ARE LAWFULLY REQUIRED TO DO PER THE NEW LAW STATED HERE FOR YOU " : Under the settlement, credit reporting agencies must require collection agencies that report data to " regularly reconcile '' information about accounts that haven't been paid in full. If they don't? The agreement says, " This regular reconciliation will be accomplished, in part, by periodic removal or suppression of all collection accounts that have not been updated by the Collection Furnisher within the last six months. '' In other words, if a consumer has been making payments but the collection agency fails to update the account for at least six months, the account will either have to be removed or "  suppressed, '' which means it won't be shown to companies that order the report, and won't be used to calculate a credit score. '' I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

I respectfully request to be provided proof of this DISPUTE. item THE ITEM must be deleted from the report as soon as possible : CREDITOR AGENCY, acct. XXXX The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/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 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
My mortgage used to be with XXXX. They sold it to Rushmore Loan Management Services last XXXX. I received a letter from Rushmore in XXXX or XXXX saying they needed proof of current hazard insurance. I received another letter from them in XXXX saying they needed the proof or they were going to buy insurance and charge me for it. I got the proof from my home owners association and submitted it online. I received an email saying it had been accepted. Two days ago, XX/XX/XXXX, I got a final notice letter from them saying they've already bought the insurance and I have to pay them for it. How is it a final notice if they've already bought the insurance? I called them yesterday and was told that what I submitted online was not sufficient. They want my unit number on the master policy. I tried to explain to the woman I spoke to that it's a master policy, it covers every unit in the complex. That didn't work. So I'm having to jump through hoops with my associations insurance broker to get this taken care of. I think their request is ridiculous and unreasonable. And I think it's a way for them to charge me for insurance I don't need. I feel like I should get an attorney because I can almost guarantee you they're going to want me to pay for their insurance. What a scam. They also wanted my personal homeowners policy. Why do they need that? 

Please read the reviews on XXXX for this company. Clearly there is something very wrong going on there. I shouldn't have to refinance my mortgage loan because of a crooked mortgage company. And I will not pay for their stupid insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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:
MY NAME IS XXXX XXXX XXXX XXXX MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX MY SOCIAL XXXX, MY COMPLAINT IS I DID A DISPUTED WITH EQUIFAX AND TOLD THEM THAT THE XXXX CREDIT CARD ACCOUNTS XXXX XXXX XXXX XXXX AND OTHER XXXX CARD XXXX XXXX XXXX XXXX ARE ALSO FRAUD ACCOUNTS, THESE ACCOUNTS SUPPOSED TO BEEN REMOVE OFF MY CREDIT FILE. AND ALSO THE XXXX XXXX XXXX XXXX ACCOUNT THAT HAS A BALANCE OF XXXX DOLLARS. BUT ITS STILL SHOWING PLEASE HAVE REMOVE EQUIFAX REMOVE THESE ACCOUNTS THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I financed a car through Credit Acceptance Corp. A small car deaIership XXXX XXXX XXXX but all the paperwork has XXXX XXXX XXXX. I was told the cash price was XXXX then I was told the price of this car was XXXX, but if I financed it. The finance company makes the amount based on the XXXX XXXX value. I was charged XXXX as well as they included GAP insurance which I didn't agree on for XXXX. One XX/XX/XXXX the check engine light came on as well as the passenger airbag disabled. I texted the salesmen a picture and told him I was not satisfied with this car. He said call the service department. On XX/XX/XXXX the car lost power on the beltway about 50 miles from my home. I had the car towed to the nearest repair shop for diagnostic {$170.00}. The repair shop called the car has water damage to one of the main computer modules and the 02 sensor needs repairing the total cost is XXXX. Not to mention the passenger and exterior light problem light. The servicemanager/owner has requested that I have this car towed back to him at my expense which is XXXX. He will look at it and honor his 50/50 limited warranty. which I would have to pay half as well. CAC said I'm still obligated to pay for this car.

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