vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 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: CA

Complaint narrative:
I HAVE TWICE DISPUTED WITH XXXX XXXX  AND EQUIFAX ABOUT ERRONEOUS NEGATIVE ACCOUNTS ON MY CREDIT REPORTS. I ASKED THEM TO INVESTIGATE AND REMOVE THESE ACCOUNTS, BUT I HAVE NOT HEARD BACK FROM THE CREDIT BUREAUS AND IT HAS BEEN MORE THAN 60 DAYS. I STARTED BACK IN XX/XX/XXXX DISPUTING AND SENT OUT MORE DISPUTES IN XX/XX/XXXX AND XX/XX/XXXX WITH NO COMMUNICATION OR RESULTS FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Coast to Coast Financial Solutions, Inc.
State: CO

Complaint narrative:
I dispute the validity of this debt and am demanding that Coast to Coast Financial Solutions provide debt validation documents. If unable to provide those documents, I demand this debt be erased as invalid. If I was in a contract with XXXX, I need to see where on those terms that I agreed to only one trash bin being picked up each week. I did not agree to those terms and I am disputing that I owe XXXX any money. If this shows up on my credit, and if this bill continues through collections I will have no choice but to escalate this complaint.

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: IL

Complaint narrative:
MyFedLoan is the servicer of my loan. In XXXX  starting around XXXX I started the process to change my repayment plan. Around the 60 day mark the process was still not complete, so I started calling to inquire about any repercussions since I was not making payments. I was advised to not make any payments, and to wait til they processed my repayment plan request and pay the {$5.00} that switched the plan over. I finally received the request in XXXX and paid my {$5.00} via the website which was also my last payment to this plan. Unbeknownst to me this loan was being reported late each month and eventually reported that I was 150 days late to the credit bureaus. When I found this out I called back and the rep said that a simple dispute would remove the incorrect information. I've done that multiple times and this information remains on my credit report. MyFedLoan then asked me to fill out the credit dispute form which I did, and once again it's now almost a month later and no action has been taken. It is coming up on 3 years since MyFedLoan dropped the ball, and now I'm having to spend hours and years correcting the mistake of MyFedLoan. I have spoken to them over 30 times in the past 3 years and all calls were on recorded lines, all reps claim they made notes to my account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I consumer XXXX, in fact natural person am contact Transunion a second time, demanding the removal of unverified information from my consumer report. The Fair Credit Reporting Act ( FCRA ), requires that credit reporting agencies such as Transunion properly verify the information being reported, and if such information cant be PROPERLY verified, then it must be removed. I sent in a notarized dispute letter to Transunion via certified mail on XXXX XXXX, return receipt requested -- demanding that you remove the disputed fraudulent accounts from my credit file. Transunion has failed to investigate my request or respond to me at all and is in further violation of 15 usc 1681i. Transunion has not removed the items and continues to be willfully in noncompliance with federal law and as a result, has caused harm to my reputation, defamation of character and mental & emotional abuse 15 USC 1692d and is now further criminally liable pursuant to 15 usc 1611..They are neglecting to resolve this matter. also, 15 USC 1681 ( c ) states that any accounts placed in collection as a result of fraud and id theft should be EXCLUDED from a consumer report and Transunion has violated me and has not responded to my request at all. My identity has been stolen and I did not give Transunion consent to score me or furnish authorized credit accounts to my 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 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I received a promotional offer for {$200.00} statement credit if I applied for Barclays MasterCard through Carnival cruise lines. I had trouble on website and called Barclays and Carnival on XX/XX/XXXX. They confirmed that they were having issues with connection. I completed transaction and woman told me shed Rush  card at no charge. I received card on XX/XX/XXXX and contacted Carnival to switch balance as I was instructed by Barclays representative to receive statement credit. I made purchase within 90 days as explained to receive credit. I called Barclays back on XX/XX/XXXX to advise I didnt receive credit. Spoke with supervisor XXXX operator # XXXX which I think she lied. She refused to give statement credit as promised and also refused to play tapes back of my conversation when I asked. She flat out said theyre not going to play the call back. I told her then why record conversations for quality assurance. I told her that I was told Id receive the {$200.00} statement credit as long as I made purchase within 90 days even if purchase was a dollar. I was told Id receive points on XX/XX/XXXX when my statement closes. I explained that this is not what promotion was that its supposed to be statement credit. She again said about points and I ended my call. Dont trust Barclays!!!!!

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 2021-03-04 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: FL

Complaint narrative:
TransUnion Credit Bureau refused to conduct proper investigation & have these errors deleted from my credit report. I have called this morning, regarding debt collector the bureaus reporting the amount {$820.00}, no contact information is available & unavailable to call or send mail to debt collector but TransUnion refused to delete this creditor. I have a certified letter, returned back to me via USPS.

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 2021-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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:
police report for XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent a request for a credit limit increase to Capital One Bank which has been denied many times arguing that my credit score is under 600 but it is actually over 650 according to XX/XX/XXXX 
XX/XX/2021 request was denied. Current credit limit is {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There was a fraudulent charge on our account on XX/XX/2021 for {$110.00} at XXXX in XXXX XXXX and we have been disputing this with our bank for weeks and our claim continues to be declined because we " can not prove '' that we didn't make a purchase ... again, declined because we can not prove that we did not make a purchase. We have explained over and over to the bank that the card in question was not used, and the only card used to purchase anything at that XXXX was on the main account holder 's card for about {$55.00}. They are accusing us of fraud for {$110.00} while we're agreeing that all other purchases made that day were approved ... does not make sense and they are not willing to work with us at all on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a with CAPITAL ONE BANK USA N ( Date opened XX/XX/XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 — Was not notified of investigation status or results
Company: ID Analytics, Inc.
State: SD

Complaint narrative:
SageStream , LLC which relates to previous case XXXX, which you closed without a satisfactory resolution. 
Requested credit report on XX/XX/21, and have not received report or any communication from them. 
Requested definition of decline statements made to XXXX, and used by XXXX, to decline credit request in previous complaint. XXXX has also not responded to similar requests made to them on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Bonneville Billing and Collections
State: OR

Complaint narrative:
I obtained my consumer report on XX/XX/21 and I have a collection account reporting that I believe is inaccurate and not fair to my consumer rights. I do not consent for my information to be reported to non affiliated third parties. This inaccurate reporting to the bureaus of my information needs to be stopped immediately according to 15 U.S.C 6802 section ( b ) I have this consumer right according to 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported. My information being reported is not only inaccurate and impacting my life as a consumer but is causing me incredible amounts of emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: PA

Complaint narrative:
My name is XXXX XXXX an I'm submitting this complaint for myself an there is no third party involved. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/21 XXXX XXXX called me while I am high risk and XXXX harassing me about a {$6000.00} debt that my father supposedly owe. I have nothing to do with my fathers expenses nor do I live with him. He was threatening me with bringing both my dad and I to court when Im not even on the debt or have anything to do with it. He was threatening to seize my dads property saying that its illegal as my deceased mom is still on it. He caused me such distress with his antics, threats and harassment that I ended up in the ER due to him causing me a XXXX XXXX and my XXXX racing. He even told me to pay {$4000.00} as a settlement to have this just go away when the debt has nothing to do with me.

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 2021-03-04 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: IL

Complaint narrative:
XXXX is the servicer of my loan. In 2018 starting around XXXX I started the process to change my repayment plan. Around the 60 day mark the process was still not complete, so I started calling to inquire about any repercussions since I was not making payments. I was advised to not make any payments, and to wait til they processed my repayment plan request and pay the {$5.00} that switched the plan over. I finally received the request in XXXX and paid my {$5.00} via the website which was also my last payment to this plan. Unbeknownst to me this loan was being reported late each month and eventually reported that I was 150 days late to the credit bureaus. When I found this out I called back and the rep said that a simple dispute would remove the incorrect information. I've done that multiple times and this information remains on my credit report. XXXX then asked me to fill out the credit dispute form which I did, and once again it's now almost a month later and no action has been taken. It is coming up on 3 years since XXXX dropped the ball, and now I'm having to spend hours and years correcting the mistake of XXXX. I have spoken to them over 30 times in the past 3 years and all calls were on recorded lines, all reps claim they made notes to my account as well.

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 2021-03-04 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: IL

Complaint narrative:
XXXX is the servicer of my loan. In 2018 starting around XXXX I started the process to change my repayment plan. Around the 60 day mark the process was still not complete, so I started calling to inquire about any repercussions since I was not making payments. I was advised to not make any payments, and to wait til they processed my repayment plan request and pay the {$5.00} that switched the plan over. I finally received the request in XXXX and paid my {$5.00} via the website which was also my last payment to this plan. Unbeknownst to me this loan was being reported late each month and eventually reported that I was 150 days late to the credit bureaus. When I found this out I called back and the rep said that a simple dispute would remove the incorrect information. I've done that multiple times and this information remains on my credit report. XXXX then asked me to fill out the credit dispute form which I did, and once again it's now almost a month later and no action has been taken. It is coming up on 3 years since XXXX dropped the ball, and now I'm having to spend hours and years correcting the mistake of XXXX. I have spoken to them over 30 times in the past 3 years and all calls were on recorded lines, all reps claim they made notes to my account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: IL

Complaint narrative:
XXXX is the servicer of my loan. In 2018 starting around XXXX I started the process to change my repayment plan. Around the 60 day mark the process was still not complete, so I started calling to inquire about any repercussions since I was not making payments. I was advised to not make any payments, and to wait til they processed my repayment plan request and pay the {$5.00} that switched the plan over. I finally received the request in XXXX and paid my {$5.00} via the website which was also my last payment to this plan. Unbeknownst to me this loan was being reported late each month and eventually reported that I was 150 days late to the credit bureaus. When I found this out I called back and the rep said that a simple dispute would remove the incorrect information. I've done that multiple times and this information remains on my credit report. XXXX then asked me to fill out the credit dispute form which I did, and once again it's now almost a month later and no action has been taken. It is coming up on 3 years since XXXX dropped the ball, and now I'm having to spend hours and years correcting the mistake of XXXX. I have spoken to them over 30 times in the past 3 years and all calls were on recorded lines, all reps claim they made notes to my account as well.

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 2021-03-04 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting a reposession to my report ... .By law EVERYTING should be reported 100 % accurately or it has to be deleted from my report by law ... .I have contacted them as well as all 3 bureaus 6 times to validate/Verify this account and no one can ... XXXX therefore deleted this account from my report and my understanding is that by law XXXX and equifax should do the same as this cant be validated ... they have yet to do so and i demand they do it now ... .There are multiple errors in the reporting which i have pointed out to them in the past and they have done nothing .... 

Monthly Payment : XXXX reporting {$0.00}, Equifax {$390.00} No. of Months ( terms ) : XXXX  reporting 78, Equifax XXXX Payment Status : XXXX reporting Repossession, Equifax 60 days late Date of Last Payment : XXXX reporting XX/XX/2016, Equifax XX/XX/2016 Date Last Active : XXXX reporting XX/XX/2016, Equifax XX/XX/2016 Look at the 2 year history on the bottom they do not match between bureaus ... .XXXX is actually reporting a late pay after a reposession..smh

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I refinanced my home last year, utilizing the same company XXXX US Bank XXXX that originally held my mortgage. It came to my attention on XX/XX/XXXX that they did not pay my property taxes for the XXXX half of XXXX. I called US Bank immediately to inquire about this. I was told that it was their fault & that they would promptly pay my taxes. I was assured that they had my money in escrow & that there was nothing else that I needed to do & that the taxes would be paid by XX/XX/XXXX. I called on XX/XX/XXXX to be sure my taxes were paid & was told that an investigation had to be done & that they would not be paid for several more weeks, but that US Bank was still planning on paying & they would pay the penalties that had been acquired. As of XX/XX/XXXX, my taxes are still not paid. I am furious! I have ALWAYS payed all of my bills & taxes on time & work hard to keep my credit score in excellent standing. I am afraid of being sent to collections now & ruining my credit score. Not to mention, I feel ashamed that I look like a delinquent who doesn't pay taxes. I have made countless calls to US Bank to inquire about the status & seem to get nowhere! I'm told a check was mailed out via USPS in mid XXXX, but so far, it does not appear to have made it to the City of XXXX Tax Department. This is unacceptable!!!!!!!!!!

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