vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-30 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: OK

Complaint narrative:
In XX/XX/XXXX there was a bankruptcy filed. Once the bankruptcy discharged there was a huge amount of issues on my credit report. There were accounts that were included that should not have been. The bankruptcy court contact information was inaccurate, the amounts, phone numbers and case numbers. I sent letters to the credit bureaus in XX/XX/XXXX andXX/XX/XXXX to correct or update the information. None of the three credit bureaus updated the information nor removed the bankruptcy. I sent credit report dispute letters certified mail to both XXXX and Transunion on the XX/XX/XXXX. They were both received on XX/XX/XXXX. I followed up with both of them and XXXX  also completed a phone dispute as well. I received an alert response onXX/XX/XXXX. I called XXXX  in regards to the bankruptcy dispute. The agent notified me that it was confirmed and updated. I asked whom did they contact to confirm the bankruptcy information? The agent advised me that they used a third party system and did not want to provide me with the system. I advised them that I have access to systems as an XXXX and that I did not see any documentation either. I also explained the agent that according to the FCRA Act that the credit bureaus would need to update the correct information or remove the bankruptcy. I have also disputed accounts that were inaccurate along with huge amount of inquiries that were not authorized. I have reached out to all three credit bureaus and this issue still has not been resolved. I am a military service member and I should not have to constantly deal with these issues.

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 2018-03-30 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: OK

Complaint narrative:
In XX/XX/XXXXthere was a bankruptcy filed. Once the bankruptcy discharged there was a huge amount of issues on my credit report. There were accounts that were included that should not have been. The bankruptcy court contact information was inaccurate, the amounts, phone numbers and case numbers. I sent letters to the credit bureaus in XX/XX/XXXX and XX/XX/XXXX to correct or update the information. None of the three credit bureaus updated the information nor removed the bankruptcy. I sent credit report dispute letters certified mail to both XXXX  and XXXX  on the XX/XX/XXXX. They were both received onXX/XX/XXXX. I followed up with both of them and XXXX also completed a phone dispute as well. I received an alert response onXX/XX/XXXX. I called XXXX in regards to the bankruptcy dispute. The agent notified me that it was confirmed and updated. I asked whom did they contact to confirm the bankruptcy information? The agent advised me that they used a third party system and did not want to provide me with the system. I advised them that I have access to systems as an XXXX and that I did not see any documentation either. I also explained the agent that according to the FCRA Act that the credit bureaus would need to update the correct information or remove the bankruptcy. I have also disputed accounts that were inaccurate along with huge amount of inquiries that were not authorized. I have reached out to all three credit bureaus and this issue still has not been resolved. I am a military service member and I should not have to constantly deal with these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off.

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to myfedloans to change or remove this information and yet it still remains.

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: AZ

Complaint narrative:
The account is listed as delinquent and claims that I owe them {$290.00} I had a secured card that I submitted {$250.00} as a security. I am a XXXX veteran and had to relocate for health reasons. I went to close out the account and was told that I had to pay them to close my account. I had to pay to open the account, I financed the account, and now they say I have to pay to close the account. I wrote and told them that I would pay them if they would show me anywhere they loaned or gave me monies or credit. I provided ALL the credit and now they lie and say I am the debtor. They never responded to me yet they keep this negative report on my credit record and it is causing me great anguish as it overly interferes with my life, liberty, and the pursuit of my happiness.

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 2018-03-30 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: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
Improper use of Personal information : New American Funding ran my Credit report ( Hard inquiry ) on XX/XX/2018 without my consent.

I have not applied for any mortgage loan with this company, neither as Borrower or Co-borrower. I didn't sign any document or consent them to run my credit score at any time.

They improperly obtained my Social security number from a Joint tax return when my husband had inquired about a Pre-approval based on his name as Borrower solely ( my name was not on any application ).

The persons who are responsible for this incident include : XXXX XXXX XXXX XXXX XXXX XXXX  This action has damaged my credit score and made it harder for me to apply for Mortgage loan in the near future.

I've contacted the company regarding to this incident and haven't heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off. 

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to XXXX  to change or remove this information and yet it still remains. 

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. Thank You!

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 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off. 

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to XXXX to change or remove this information and yet it still remains. 

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. Thank You!

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 2018-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Even though I have fallen prey to credit card interest rates and learned my lesson and paid all off, Capital One is continually seeking to loan me money by reaching out through the U.S Post Office. The last letter I received has my personal information and targeted marketing to me personally claiming this- " We recently reviewed your credit information and designed an offer that we believe is the right one for you-right now ''. I never gave them permission to review my credit information or design an offer. This appears to be a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: EQUIFAX, INC.
State: NE

Complaint narrative:
the following items I have been disputing has not been removed from by credit report on Equifax as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX company the reason why I am disputing these items do not who they are and can not get in contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
On about XX/XX/18 I received a letter in the mail posted from ; Cavalry SPV I LLC, claiming they have a contract and that I owe them XXXX. This is false, illegal and unlawful. 
I have never come in to agreement with or produce a verbal or signature contract with Cavalry SPV I LLC,. This corp, Cavalry SPV I LLC, has inflicted harm on my estate, my interest, lively-hood ( job ) and XXXX, XXXX  which have received defaming correspondence as well and under false pretense levy illegal fines and present false claims to XXXX Superior court. This corporation is acting in bad faith and unlawful, as last I checked thru the credit agency 's this debt does not exist, further more this corp can not ever produce an original contract between parties, with this statement I would want a immediate cease and desist action, compensation for damages as follow ; 1. {$10000.00} per page in all correspondence, This is harassment. 
2. {$10000.00} per every {$1.00} seized from wages 3. {$120000.00} per instance ( 2 ) for pain, suffering and defamation., ( 2 ) -work-place defam/ Personal damages )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: NE

Complaint narrative:
the following items I have been disputing has not been removed from by credit report on XXXX as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX and XXXX XXXX XXXX company the reason why I am disputing these items do not who they are and can not get in contact.

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 2018-03-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo credit card services closed my account on XX/XX/XXXX, because of late payment on one of my other credit cards. I spoke to them on XX/XX/XXXX and they refused to give me my rewards that I earned through there credit card. It was about {$1200.00} dollars worth of rewards that they owe, and the person who I spoke too refused to give those rewards. They said the only way to get those rewards was to reopen that account. I spoke to someone in customer service about reopening my account and they said that the account is permanently shut down and would and be reopened and the rewards are therefore forfeited.

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 2018-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NE

Complaint narrative:
disputed to get of my credit report due to it is not mine

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I disputed a XX/XX/XXXX charge for {$140.00} from XXXX XXXX XXXX ( which billed me for verifying my XXXX llisting ) after I learned that my XXXX llisting had already been verified, so XXXX XXXX never performed any service. Bank of America issued a credit. I was told in letters from Bank of America on XX/XX/XXXX and XX/XX/XXXX, " There's nothing you need to do at this time '' and in a letter of XX/XX/XXXX, " No additional action or information is needed from you at this time. '' On XX/XX/XXXX, I received a letter from Bank of America dated XX/XX/XXXX saying that the charge for {$140.00} had been rebilled to my XXXX credit card. I phoned and was told for the very first time to supply documentation to support my dispute of the charge. The representative said that the dispute would be reopened on the basis that no services had ever been provided by XXXX XXXX. As requested, I faxed the documentation that same day, XX/XX/XXXX. Bank of America wrote me that the deadline for supplying information to support my claim had fallen on XX/XX/XXXX, five days before I was first asked to document my claim and that therefore, the dispute was closed and I had to pay the amount in dispute. I had a lawyer write a letter on my behalf, which I resent on XX/XX/XXXX via certified mail ; that letter indicated that I had initiated the dispute in a timely manner and that Federal law did not allow financial institutions to arbitrarily terminate a dispute that had been initiated in at timely manner, in this case noting that I was not asked to document my claim until after the supposed arbitrary deadline ( of which I had not been notified in advance ) had passed. Bank of America wrote on XX/XX/XXXX, " we were unable to determine that a billing error occurred '' and " the notification of your dispute fell outside the timeframes '' and " we're required to work within certain dispute processing rules, which include specific timeframes. '' In short : my dispute is being terminated in an arbitrary manner because Bank of America waited to ask for documentation from me until after the timeframe it later told me ( after the fact ) governs such disputes. This is Bank of America 's fault, not mine ; I would happily have provided the documentation in XX/XX/XXXX but was not asked until XX/XX/XXXX to provide the documentation in question.

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 2018-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I am a XXXX year old female who has been XXXX since XX/XX/2017. 

I have been unable to get the medical care needed because my phone and emails have been hacked and re routed to XXXX XXXX, a collections company that has nothing to do with health care. 

They access private medical records and apply fictitious charges to billing accounts to generate cash flow revenue for facilities and for their unjust enrichment. They work with Navient to collect student loan debt. I do not owe student loans anymore, they are attempting to collect on legally unenforceable debts. 

They are committing fraudulent, misleading acts that are UDAAPs in violation of the CFPA. 

They are under a legal obligation to comply with the FFELP and the FDCPA, and willfully choose to conduct deceptive acts to steal money without consumers knowledge ... i do not owe them anything, never signed a legally binding contract with them, and they are jeopardizing my health and well-being and finances. 

They are essentially commtting attempted murder in this instant case. 

They have no authority or right to impersonate a health care facility and interrupt my healthcare. 

I will be naming them in a lawsuit filed in the district court. I want them to remove my name from their records and leave my life and affairs alone. 

This is not legal. It is a severe infringement and they are criminals as well as civil violators.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: NE

Complaint narrative:
XXXX  and Experian reporting as a balance is owed for The 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 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: KY

Complaint narrative:
I have request validation of this alleged debt, account number XXXX, from Receivables Performance Management numerous of times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX I sent a demanding letter certified mail requesting once again, validation and proof of claim. Each time I have disputed this alleged debt Receivables Performance Management updated and verify the account with all three credit bureau, but as YET to send me anything validating this collection account that they are reporting I paid! I uploaded one of the letters that I sent certified, requesting Full validation.

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 2018-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, made purchase at restaurant. During this time, used XXXX voucher for {$80.00}, and presented to merchant at time of payment. Merchant failed to apply voucher and charged total amount to card. Shortly thereafter, I filed dispute with card company, which advised I should provide voucher, which I did. They then credited my account. However, in early XX/XX/XXXX, I received notice that disputed amount was reversed, and I provided a rebuttal. Rebuttal again included a copy of said voucher and suggested that I did not agree to amount because the receipt for purchase was not signed. I have not received any notice from card company of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
I had a doctor 's appointment on XX/XX/XXXX. A copay was not collected at the time of service. On XX/XX/XXXX, I received a collection 's notice from XXXX XXXX for {$35.00}. Prior to the notice, I did not receive any notice/statement/bill of an outstanding balance from the doctor 's office, XXXX XXXX XXXX, or their billing company, XXXX XXXX XXXX. 

Upon calling XXXX XXXX XXXX, they stated that no statements or bills had been sent to me since XXXX, and my address on file was current. They admitted fault, and that my bill should not have gone to formal collections since no statements or bills had been sent. I am concerned about this information being reported in my credit history since the billing company has admitted they never billed 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 explanation
Consumer complaint received 2018-03-30 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: NE

Complaint narrative:
Transunion and XXXX  reporting as a balance is owed for The 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