vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-16 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: GA

Complaint narrative:
Transunion, XXXX, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX  which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and 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 2018-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On or around XX/XX/XXXX I discovered multiple inaccuracies on my credit report, including but not limited to, two capital one credit cards, with charge-off balances of {$510.00} and {$300.00}. On or around XX/XX/XXXX, i sent correspondence to Capital one in an attempt to dispute the fraudulent accounts and all charges associated therein. Capital one failed to respond. In XX/XX/XXXX I filed an Identity Theft Report with the FTC and sent a copy of same along with correspondence to each credit bureau identifying all fraudulent accounts and further requesting that all unauthorized charges be blocked from my credit report pursuant to FCR.605 ( B ). On XX/XX/XXXX I advised that I did not open or authorize this account, and I requested that it be closed immediately. I requested that the company send me written confirmation that I am not responsible for charges on this account, and to take appropriate steps to remove information about this account from my credit files. Because the information the company reported is the result of identity theft, and inaccurate, I requested that they stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). To date, the company continues to report two fraudulent capital one credit card accounts which continue to negatively effect my credit. Capital one has not and can not provide any credible evidence to establish that the credit card accounts were opened by me and I continue to maintain that I did not authorize the accounts and/or receive any benefits as a result therefrom.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
Hello, a little over a Week ago I applied for XXXX XXXX and was approved for {$32000.00} credit limit. I was trying to purchase a device for $ XXXXand all went though just. A day later I was checking my order to find out it was declined. I called the bank and was notified everything Was OK on their end and nothing is wrong with my account, and they haven't seen any activity from XXXX. I called XXXX and was advised to cancel the order and re order again. I did has was advised to get the same results again. This been going on for 10 days and was asked to do it over and over again with the sane results and no one is willing to fix the problem. I feel that now, I've used my good credit to apply to a service I can't even use, and in result, it might effect my credit. 

I ask of you to help us fix the problem. I see that it is an on going problem for several months now and lots of people are complaining about the same issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 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: WA

Complaint narrative:
I filed for chapter XXXX bankruptcy in XX/XX/XXXX and my auto loan was included in my bankruptcy. During this time XXXX XXXX is reporting late payments which I believe is a violation of the automatic stay and should not be reporting late payments and should be reported as current. My bankruptcy was discharged 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 non-monetary relief
Consumer complaint received 2018-03-16 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: GA

Complaint narrative:
XXXX, Equifax, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 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: GA

Complaint narrative:
XXXX, XXXX, and Experian refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and 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 non-monetary relief
Consumer complaint received 2018-03-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a timely online banking payment to my XXXX XXXX Citi Visa card ( Citi ) in the amount of {$1000.00}. On XX/XX/XXXX I noticed late fees for non-payment on my statement and I started to investigate. I checked my bank, XXXX, online banking records and verified my payment was made and sent before the deadline. I called Citi and explained that the payment was made and that I would provide confirmation. I printed my confirmation and mailed it to Citi and thought it would be resolved ; however, Citi sent me a letter several weeks later and said they never received the proof. They advised me then to fax the proof to them, My bank, XXXX, faxed them the proof. After my bank faxed the proof, two weeks later, Citi sent me a letter stating they never received the proof ; however, in the meantime, I received a letter in the mail from Citi stating they received the payment but it had an incorrect account number on it so they sent it back to my bank. Citi did not provide their " return '' of fund tracking information and the funds never showed up in my bank account. I called Citi and asked for their tracking information, return of my payment, and they could not provide. I then went to my XXXX XXXX branch and met with the branch manager who called Citibank. The Citi representative advised him to, again, fax the proof, which he did. Five days later my bank branch manager followed up with Citi and they again said they did not receive proof. Branch manager faxed again. I then receive a letter from Citi stating that they are unable to locate the money ( even though they previously admitted they received it but returned it to my XXXX banking account.

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 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, XXXX, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX, and Experian refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
AFTER RECEIVING A COURT ORDER TO REMOVE A CHAPTER XXXX FILING CASE NOXXXX THE XXXX XXXX XXXX ORDERED A NOTICE OF WITHDRAWAL FORTHWITH FROM ALL PUBLIC RECORDS. THE THREE MAJOR CREDIT REPORTING BUREAUS HAVE NOT REMOVED THIS PUBLIC RECORD EVEN AFTER THIS HAS BEEN ORDER BY THE FEDERAL BANKRUPTCY COURT CENTRAL DISTRICT.ALL 3 MAJOR BUREAUS GO THRU THIRD PARTY VENDORS AND ACCORDING TO THE FCRA ANY THIRD PARTY VENTOR VERIFYING A CONSUMERS PERSONAL INFORMATION MUST BE IDENTIFIED .AND NONE OF THE BUREAUS FOLLOW THE GUIDE LINES SET BY THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I graduated in XX/XX/2007. I still have over 60k in student loan debt with Navient not including the private loan that they will not allow my co-signer to be released from. 
After multiple suggestion of deferment or forbearance they finally began to offer an income based repayment plan but the interest on the two federal loans had accumulated so much I still can not afford the payment. I was never able to get the help I needed and to this day I get conflicting information. My paperwork has been misplaced multiple times over the life of this loan. I hear so many negative things about this company and I am truly afraid that I will forever be haunted by this debt that could have been avoided had it not been for their unfair and deceptive practices. Ive had an inumerable amount of hardships and at no point did I find someone with to help. Most recently the govt. declared my county a disaster area but Navient still has no solutions. They have caused unnecessary hardship to my family and impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
SOMEONE tried to open a credit card at XXXX XXXXXXXX, a store I havent been in to in over 10 YEARS, on TWO different occasions!! THIS IS NOT ME!!! Im getting two hard inquiries on my credit report from this store!! One on XX/XX/XXXX and the other on XX/XX/XXXX - THIS IS FRAUD!! I also DID NOT make any kind of inquiry with XXXX bank on XX/XX/XXXX OR with XXXX on XX/XX/XXXX!! This is absolutely insane. PLEASE HELP ME!!! These need to be removed AS SOON AS POSSOBLE!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have multiple cards with capital one either that I signed up for with them or a company that they acquired. XX/XX/2018 I called customer service because I was charged membership fees XX/XX/2018. The representative told me that for the one that was XXXX she could make a rewards card and the one that was XXXX she could make a rewards card because I was paying the fees but not getting anything. I call almost every year about these fees because thats what I was told to do they dont remove them but they look to see if anything can be done or if they can go away permanently. This rep. told me that the 2 cards I pay XXXX on already are their original cards one is a XXXX so its good but the other cards Im paying for can be upgraded to XXXX as well. I asked would the fees be lowered to the standard amount of XXXX and she said no. I asked if the rewards would be back dated to when CapOne acquired the accounts since Id called multiple times she said no. I asked if I could have the prior fees refunded and she said no. 
That makes absolutely no sense. I appreciate her offering me the upgrade but you cant charge me XXXX dollars for an XXXX from XXXX and XXXX for an XXXX from XXXX and expect me to be ok with that. 
I declined because I needed a better resolution. I wasnt transferred to a supervisor. I told her I felt that I was mislead by several representatives and that I was deceived and that the treatment was very unfair but she was not empathetic at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-16 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
SOMEONE tried to open a credit card at XXXX XXXX a store I havent been in to in over 10 YEARS, on TWO different occasions!! THIS IS NOT ME!!! Im getting two hard inquiries on my credit report from this store!! One on XX/XX/XXXX and the other on XX/XX/XXXX - THIS IS FRAUD!! I also DID NOT make any kind of inquiry with Suntrust bank on XX/XX/XXXX OR with XXXX on XX/XX/XXXX!! This is absolutely insane. PLEASE HELP ME!!! These need to be removed AS SOON AS POSSOBLE!!

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 2018-03-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
SOMEONE tried to open a credit card at XXXX  XXXX, a store I havent been in to in over 10 YEARS, on TWO different occasions!! THIS IS NOT ME!!! Im getting two hard inquiries on my credit report from this store!! One on XX/XX/XXXX and the other on XX/XX/XXXX - THIS IS FRAUD!! I also DID NOT make any kind of inquiry with XXXX XXXX on XX/XX/XXXX OR with CHASE on XX/XX/XXXX!! This is absolutely insane. PLEASE HELP ME!!! These need to be removed AS SOON AS POSSOBLE!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For some reason when I pull history of my credit I get a name of XXXX XXXX that's not my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My situation is unique because its been caused by my employer state government closed my work the sudden loss of income had a bad impact on my health to the point that I was forced to apply for my social security benefit unfortunately government dont care about people they are slow behind I send my situation to the office of senator XXXX XXXX and California governor XXXX XXXX and they are aware of my situation I the other hand SLS never worked or try to assist me And from the beginning everything they done is only in a path to take my home SLS is under a lawsuites for not comply and doing the same thing they done to me to other homeowner and this is how they operate by playing game toying with home owners so they could take their home I have hundreds of complaints of other homeowners that how SLS took their home On the same date that SLS is selling g my home I have XXXX My son is in. XXXX XXXX SLS is a fruad company and they need to be fined and put away for what they done and doing to home owners Cfpb not doing their job by not investigate SLS

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 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc.
State: AZ

Complaint narrative:
I was never contacted by collection agency, XXXX XXXX XXXX XXXX, or original creditor, XXXX XXXX, about this false debt - {$8000.00}. Original creditor had received a judgment against me on XX/XX/XXXX for {$640.00}. I attempted to get the judgment set aside 3 years later when I discovered original creditor had been paid in full by my housing agency but was sent to mediator instead. In XXXX, I had submitted an application for a new apartment and was shocked when declined due to an outstanding rental debt. 

The original creditor had my current address due to the court case I filed in XXXX. The collection agency would have validated my address as well. I was NEVER contacted by either party about this $ XXXX debt because I do not owe it. XXXX XXXX submitted this false debt simply as a way to retaliate against me because I disputed the original judgment. In meditation I let slip that my husband and I were trying to buy a house. XXXX XXXX was forced to report the original judgment as satisfied, thus removing it from my credit file in XX/XX/XXXX. 

XXXX XXXX was never awarded a judgment against for {$8000.00}. Arizona Courts will only award landlords actual delinquent rent amounts + damages + attorney/filing fees. Arizona legal statues prohibit landlords from being awarded " future rent for rentals that may be rented again. '' When I disputed this debt as " not owed, '' " never notified, '' & " illegal '' the credit reporting agencies claimed this debt fell within FCRA criteria and has maintained it on my credit reports thus preventing me being able to rent a place to live, resulting in my homelessness for 1.6 years!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation