vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was reviewing my credit report and I noticed negatives on my report that shown as reporting old debts as new, update credit paid account not processed. So, I started a dispute online only to get no where with this! I called the dispute department and spoke to XXXX  told him the situation that the creditors are not reporting accurate information and not update paid account. In front of me I was logged on to Experian viewing what they had place on my report. After talking he said he could not help me this was a membership dispute! I told him this is not correct to speak to membership on dispute when I had followed the online directions to the dispute department with Experian. I said all right I will speak to them so, I did. In membership I spoke to XXXX and we went over the problem and he said this was a dispute problem not membership. I told him that I did mention this to the dispute department. Then XXXX transferred me to dispute once again. The minute I spoke to XXXX I requested a Supervisor to handle from here on she said maybe I could help you with this! I told here that I was tired of having to be toyed with this that she will be given same result not get anywhere with this. She decided to further the problem by not transferring me to a Supervisor she started to investigate the problem and the result came the same could not help me. Then I was frustrated with them stealing my time and my health in trying to correct a simple corrections that they could resolved over the phone. I was on there website viewing there posted information on the report I did mention to them that how could they not see what Im seeing!

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 2018-08-28 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: FL

Complaint narrative:
XXXX Please reopen this case. XXXX closed it before they even received my documents/ proof. 
Please see the attachment. 
The dates do not match, I did not sign this or have it notarized ... The entire thing paints a clear picture of forgery and fraud. 

This is not my signiture, I sent your company proof that it COULD NOT be my signature ( as I was out of the country on federal government work ). 
Also, you have not addressed why my credit report now shows Im on a New 40 YEAR mortgage with my ex-wife. 
I need any and all paperwork regarding this.

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 2018-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Original complaint was case # XXXX and was handled by XXXX XXXX to my complete satisfaction - the problem is my payment date was changed when the card was re-instated - never noticed - When I started at XXXX we were paid once a month - since the XXXX 's all payments dates were the XXXX of each month - so somewhere in the XXXX or XXXX month my payment ended being late - honestly I have no intention in paying a late fee or interest charges due the mix up - first my payment date needs to be moved back to the XXXX of each month - I believe my account is current without fees and charges added - would like to keep account active - Thanks 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 monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: WI

Complaint narrative:
I believe that I have been a targeted by your employees to discredit and discrimination. 
Since I open this account I have received over XXXX by 6 unauthorized debits, and believes there may be a conspiracy to steal my money with the government to cause negative default upon accounts with the U.S. Department of Education. 
My concerns were not address in XX/XX/2018 and I am being charged for checks fees that arrangements were made and should have not taken place, however, instead of honoring my requests I am being hit with boomerang checks that I specifically made arrangement therefor. 
It clear that on XX/XX/2018, when I first experience this problem with this account, I made arrangement with the Department of Education and US Bank to discontinue the boomerang check as I were hit with unauthorized checks and fees, instead of honoring my arrangement to prevent this reoccurrences with US Bank as XXXX have long history with banking discrimination, however, it seems, that here in Wisconsin, US Bank team up with corruption and help discrimination and hacks the internet to continue discrimination activity.

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 monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
COLLECTOR ONCE AGAIN VIOLATED THE F.C.R.A. FDCPA AND TCPA FOR 11 CLASS ACTION MEMBERS. DELETE ALL FROM XXXX XXXX AND XXXX CREDIT REPORTA.

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 2018-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has called me at XXXX XXXX on XX/XX/18, XXXX XXXX  on XX/XX/18 and this morning at XXXX XXXX. They have my address in XXXX California correct, and I have repeatedly told them that I am on the West Coast ( as per the address on record ) and yet the calls are still outside permitted contact times. This is 3 times over the past month, and are not the only times they have called outside proper business hours. 
Each time I advise them I am in California.

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 2018-08-28 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I received a letter from Equifax regarding a new address on my credit file which differs from the information they have. I called the phone number provided to inquire and provided name, address, SSN, DOB, and was asked to provide additional information. I then provided credit card information such as issuing bank, last statement balance. Then I was asked to provide previous addresses, employer and previous employers and was still told that I could not receive my free credit report, even though I asked that it be mailed to my home address. The issue here is that Equifax sent me the letter about an address change. I have lived at the same address for 40 years. The address they had on file is my work address. How did they get that information and why do they have incorrect information in my file. I can not even get a copy so I can dispute the information. I filled out the information in their online credit report request site, but received the message that the report could not be downloaded at this time. Equifax refused to give me my free annual credit report as required by law. They would not mail it to my home and it was not available for download.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
An unknown company with an unknown date reported some payday loan or something that is not mine to XXXX  and XXXX on XX/XX/XXXX. I filed a complaint with both credit reporting agencies with supporting documentation and XXXX removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) Midwest recovery has ZERO documentation 3 ) they harassed my parents back in XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by this time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: MO

Complaint narrative:
Since XX/XX/2018, Citibank has locked my card ending in XXXX " for my protection ''. After waiting a week for the letter that was repeatedly referenced through Citibank 's secure messages and phone calls with me, I faxed it to Citibank. Over the next several days, I was told repeatedly I still needed to call in even though the requested information had been received by them ( faxed letter request from Citi as well as SSN verification form ). I called Citibank several times in response to their secure messages stating that the matter could not be resolved through secure message, and only by phone. I was told every time I called that my card would still not be unlocked with no reason given except to 'wait a little longer '. If Citi only had to speak to me, why is the card not unlocked? Well as of 2 days ago, I was informed via secure message that Citi wanted me to resend the fax as it was not readable. This is over a week after the original fax was sent and confirmed received. Why was it confirmed as received if it was " unreadable ''?

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 2018-08-28 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
My ex husband forged my name on a vehicle loan while we were still married. Its still on my credit report. It needs to be removed ASAP. 
Ally financial will not remove it. It was paid off in settlement for {$26000.00} Date opened was XX/XX/2010. I disputed it but they still will not remove.

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 2018-08-28 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: HI

Complaint narrative:
TransUnion has the following information on my credit report and it is not correct : States I am know as XXXX  have never spelled my name this way Shows an address of XXXX XXXX XXXX XXXX TX XXXX have never lived in TX Shows a collection account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

Shows an inquiry from XXXX. I did not authorize this.

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 2018-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have two capital one accounts reporting with a late payment on my report. I was kind of surprised so I sent in a request for statements of the months I was late since according to my knowledge i've always been on time. Every response they sent me seemed to try to avoid giving me an answer always requesting more information. I provided them with my social security number they have all the information they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I engaged a lender to start the refinance process of my home and gave that lender the right to pull credit reports for my wife and myself. On XX/XX/XXXX, I received an email from Ditech, my current servicer, indicating they received a notification when customers have a credit inquiry from another mortgage lender. Within that email was an incentive from XXXX XXXX with Ditech indicating that if we chose Ditech to refinance a {$250.00} Visa gift card would be sent to me. 

Such an incentive is an unethical way to obtain business as is any system set up to trigger an alert if a customer has a credit inquiry from another mortgage lender. It is an unfair and deceptive technique to use to obtain business and any incentive given for using a lender is unethical.

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 2018-08-28 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: HW Holding, Inc
State: HI

Complaint narrative:
XXXX  has the following information on my credit report and it is not correct : States I am know as XXXX have never spelled my name this way Shows an address of XXXX XXXX XXXX XXXX TX XXXX have never lived in TX Shows a collection account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

Shows an inquiry from XXXX. I did not authorize this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My ex husband forged my name on a vehicle loan while we were still married. Its still on my credit report. It needs to be removed ASAP. 
XXXX XXXX will not remove it. It was paid off in settlement for {$26000.00} Date opened was XX/XX/2010. I disputed it but they still will not remove.

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 2018-08-28 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: HI

Complaint narrative:
Equifax has the following information on my credit report and it is not correct : Shows a collection accounts from : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXXXXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXXXXXX XXXX. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I've been attempting to link my debit card as a funding source to my Bluebird account, I'm receiving an error message stating to check the CID number ( security code ) and or billing address, which are both correct and match billing statement. Prior to this, a block or restriction was placed on account preventing the card from being linked. Supposedly, this block was removed as per a XXXX XXXX. It does not appear it was removed and customer service reps only offer varying reasons for error, none of which make sense. Reasons include ... .. I need a dollar on my account as a one time transaction or processing fee, that part of the system is down for maintenance, my bank does not allow my card to be added which it was prior under a different card number. Previously, card ending in XXXX was in fact on file as a funding source, the card was removed as it was reported lost/stolen. I am attempting to add card ending in XXXX, it is saying I need to verify billing and or CID number which both match ... It appears there is still a block preventing me from linking any card as a funding source

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
I have a mortgage whereas I and my ex-husband are on the mortgage and the note, however I received a Quit claim deed and am the only one on the title. My ex filed Bankruptcy in XX/XX/XXXX. I did not know until I contacted SLS to ask why I stopped getting statements. I have been paying the mortgage since then voluntarily even though they refused to send me any statements or notices. I recently found out that as of XX/XX/XXXX, I have rights as the Successor in Interest and have notified them of this. I have yet to receive anything. I mailed my mortgage payment to the addresses I have been sending it to for over a year on XX/XX/XXXX, and the payment was not cashed as of XX/XX/XXXX. I called SLS and asked if they received it and they said no, but provided no more information. I stop paid that check and mailed another on XX/XX/XXXX. I called today XX/XX/XXXX and asked why they had yet to cash this one, and after getting the run around was informed that the address in which I am to mail payments had changed 3 months prior and they were no longer forwarding any mail or payments! I had never been notified of this, which they could have told me on XX/XX/XXXX when I called the first time. Now I am late on my payment, of no fault of my own and have 2 checks floating out there. They also said the mailed me notification of next payment on XX/XX/XXXX and I have not received it either. I cost me {$60.00} to stop pay 2 checks and I do not feel like a business can stop forwarding their mail after only 2 months. What if I'd have been on vacation, or in the hospital. Is there not a law as to how long a financial institution must have their mail forwarded. And should they not have had to send me notification of the change since I am on the mortgage?

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 2018-08-28 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: AL

Complaint narrative:
I have contacted both TransUnion and XXXX to try and resolve the issue with the following inquiries that I either do not recognize, were not authorized by me, or were obtained deceitfully, to no end. 
/ ( TransUnion ) - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX   XXXX ( via XXXX XXXX ) requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX ( I DID however, authorize the pull from XX/XX/XXXX ) - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXXXXXX requested XX/XX/XXXX ( I DID authorize a pull on XX/XX/XXXX ) ( XXXX ) - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX   requested on XX/XX/XXXX - XXXX  XXXX requested XX/XX/XXXX - XXXX   requested on XX/XX/XXXX - XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX  requested on XX/XX/XXXX - XXXX  XXXX requested on XX/XX/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 2018-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was questioning some information reporting on my credit report from XXXX so on XX/XX/18 I sent them a letter requesting more information this account for example statements etc. They responsded that what they are reporting is accurate. I'm sure they feel that way but I'm doubtful of all the data which is why i'm requesting the information.

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