vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has always done this crooked act, they ask u questions to " verify '' your identity, who's going to know more about u than u? EVERY time I've EVER tried to access their site they always say : Sorry, we were unable to verify your identity because of one of the following reasons : You didn't answer the questions correctly You didn't answer the questions in time We are having technical difficulties This is a scam!! Then u tried via phone, they have a system set up where u can NEVER get a human!! This type of scam company should NOT be allowed access to people 's personal information when they have this type of crooked behavior! I'm sick of this!! I got an alert about my credit, so I went to their site to find out about it, and they do this to me?! 
I see they've been fined before for being crooked con-artist 's! PLEASE PLEASE protect the people of America and put a stop to this crookedness! I just want to see whats going on with my credit and this bill! 
U should try your own login attempt & u will see! I mean, it asked me 3 questions " a company i worked for '' i picked the company i OWNED for 20 years " what my astrological sign is '' OBVIOUS I KNOW THIS " it looks like you opened in XX/XX/2014, with who '' WELL I'VE NEVER HAD A MTG IN MY NAME, I PICKED THE ANSWER THAT SAID " NONE '' There is NO WAY I got any of these wrong!!!! 
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 non-monetary relief
Consumer complaint received 2019-03-14 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
To my knowledge, I was never late on my Chase credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount. I am on XXXX XXXX in the XXXX XXXX and this late payment is really hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My wife contacted Equifax yesterday regarding some fraudulent hard inquiries and inaccuracies on her credit report. The agent was very helpful and took the hard inquiry disputes without a problem. Today, less than 24 hours later, I am attempting to dispute the SAME hard inquiries listed on my account. I have spoken to 3 different representatives, supposedly 1 was a supervisor, and NONE of them will accept my dispute. All 3 agents claimed they were unable to dispute the information. I asked them if the policy has changed within the last 24 hours and I was told no. Each agent claims that hard inquiries are not disputable. I asked the agent to pull the dispute number provided to my wife so that they could verify that the information is the exact same accounts and can in fact be disputed. She pulled the file and still said these accounts are not disputable. I asked her for the name of the agent who handled my wife 's file. I was told they could not give me that information, even though the information has nothing to do with my wife 's file and is just the agent 's name. I then informed her that I would be filing a complaint with the Consumer Financial Protection Bureau and the Better Business Bureau. I asked the agent to please connect me to the same agent that handled my wife 's case. The agent told me she was transferring my call but not to that agent. About 5 minutes later an agent named XXXX got on the phone. XXXX was very helpful and promptly disputed the hard inquiries. I believe he was the same agent that handled my wife 's dispute 's the day before. I highly recommend XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
CAPITAL ONE FINANCIAL CORPORATION et al continues to violate and threaten and or infringe upon my rights with the continued harassment after using a misleading statement to further injure my access to the account to manage the discharge of debts before the final date next week to divert the threat of a civil action and notice of lien on my property and including the accruing additional charges incurred by a creditor against me so this avoidance to comply with the American Disabilities Act Title III public accommodations non-compliance necessary for the online access to the available transaction service features.

The first letter with an explanation was a lie not an error.

Doe admits he used mail fraud, a deceptive practice and has perjured himself by submitting false and misleading information via federal telecommunications and directly to a government website as demonstrated in the Capital One letterhead attachment to his online responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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:
Two years ago I went through this same issues and got it resolved. I had to sue one of the credit reporting companies to get the to remove what was not mine. I have been out of the country for 18 months and I come back to not 1 but 2 bankruptcies  on my credit report. I contacted the courts and they told me the same thing they did 18 months ago which was they DO NOT report bankruptcies  to the credit reporting companies. I don't now why these 2 bankruptcies are on my report or who filed them but for the 2nd time I need them to remove it. The removed it before not there are 2 new ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
CitiMortgage is in direct violation of the Fair Credit Reporting Act because they are reporting inaccurate information after I disputed it and had them verify the information that I knew was incorrect. 

I consulted with an FCRA attorney who said that I could possibly be entitled to compensation as a result of this verified inaccuracy. 

1. XXXX is reporting a monthly payment of {$400.00} which is impossible. How can I have a monthly payment when the account has a XXXX balance? 

2. XXXX has terms as 396 months where XXXX & XXXX have XXXX. 

3. XXXX list the status as derogatory, XXXX as paid, and XXXX as closed. How can the same account have 3 different statuses? 

4. The date last active and the date of late payment are different on each credit report as well. 

How can this information be verified and meet FCRA requirements when there is a clear violation going on here.

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 2019-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Two years ago I went through this same issues and got it resolved. I had to sue one of the credit reporting companies to get the to remove what was not mine. I have been out of the country for 18 months and I come back to not 1 but 2 bankruptcies on my credit report. I contacted the courts and they told me the same thing they did 18 months ago which was they DO NOT report bankruptcies to the credit reporting companies. I don't now why these 2 bankruptcies are on my report or who filed them but for the 2nd time I need them to remove it. The removed it before not there are 2 new ones.

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 2019-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I noticed a debt on my credit file for a XXXX XXXX XXXX, and listed with this collections agency CONVERGENT OUTSOURCING , INC . I have never had any services with XXXX XXXX, I work for XXXX XXXX XXXX and I get FREE XXXX and Cellular service so I have no need to pay for either of the services they discussed. I attempted to ask for verification and they never sent me any proof of this debt. After some digging I see they are licensed in the State of New York only the City of XXXX XXXX  and I do not even live in the City of XXXX XXXX. I want them to remove this erroneous collection from my credit history it looks like they added this on XX/XX/2019 to all 3 credit agencies.

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 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a XXXX XXXX XXXX XXXX credit card that I manage via XXXX XXXX website : XXXX. Approximately two years ago I updated my contact info ( Home address and E-mail address ). Apparently this info was only updated for my XXXX XXXX store account, and not my credit card account. This was not made clear to me, nothing in XXXX XXXX website suggests that contact info is to be updated via a separate website. In this case, Macy 's credit card website. A site that I never dealt with. All my transactions and payments are made via XXXX XXXX " XXXX '' website. 

On XX/XX/XXXX I made a XXXX gift purchase of {$54.00}. A purchase that I forgot about. Past due and fee collection attempt notices were never sent to my current home address and/or e-mail address. Instead, only e-mail notifications were sent to an e-mail address I no longer use. 
I ended up accruing late fees without my knowledge. Late fees that were more than twice the sum of my initial balance. A total balance of {$120.00} which I paid ( on XX/XX/XXXX ) once I learned of the past due balance. I learned of the balance when the past due notices showed up on my credit report. 

I contacted XXXX XXXX and spoke to at least two escalation managers from their credit division explaining my situation. I explained that in it's currant format, their XXXX website can lead to communication issues such as mine. The managers refused to reimburse the late fees, much less remove the past due notices sent to the three major credit bureaus. 
I feel victimized. I believe this is borderline credit fraud. 
I was lead to believe that my contact information was updated, with both XXXX XXXX online store and their credit card division. 
I have included screenshots of my XXXX profile, which shows credit card management accessibility. Also is a screenshot of the XX/XX/XXXX order that shows my current home address and e-mail address, indicating that XXXX XXXX had my latest contact info at the time. 
I have also included bank statements to prove that I had ample money to pay the balance of the XXXX XXXX XXXX XXXX account. 

Side note, I checked my XXXX XXXX XXXX XXXX account via the direct website and found that Macy 's was still using my old home address and e-mail address. 
I checked this when Macy 's explained their case. However within a few days of reaching out to them, they went ahead and updated my contact info without having asked me. In my mind, they did this in an attempt to cover their tracks. 

Thank you for your time, and I apologize for the length of 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 monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
IhaveacreditcardwithCitibank.MybalancewasXXXXuntilapparentlyXX/XX/13.Iloggedintomakeapayment,andmybalancewaslower.IcalledandtheytoldmetheygotanoticefromXXXXtolowermybalance.Shesaidshecouldntdoanythingaboutit.Iwasnotnotifiedofthischangebuthadtofindoutformyself.

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 2019-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have two student loans that continue to show up through Navient. These loans should never have existed as i dropped out of this school and they never refunded the money back to the government. The disbursement date shows XX/XX/2008 XXXX it is now XXXX the other was XXXX and now XXXX disbursed XX/XX/2008 I have contacted the Dept of Ed each year when i would apply for federal aid and they stated the loans should not be there. 

This has been stated for years and years.11 to be exact. I have went on to complete my BS. 

Im asking someone intervene and remove these loans. 

Thank you for your help. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
To my knowledge, I was never late on my XXXX XXXX credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount. I am on XXXX XXXX in the XXXX XXXX and this late payment is really hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am at wits end with the credit bureaus- especially experian. Last year I had some issues through my bank. I was advised to put a temporary fraud alert. I have been trying for over 5 months to remove the fraud alerts. I have lost out trading in my car for something else because no one, not even car dealership could contact experian. I have called, sent letters, filed complaints with cfpb, filed complaints with XXXX. I just tried to pay a bill online and had an alert not letting me make payment because it seems one or all of the credit bureaus have mysteriously deleted my phone number from their records. I have to contact them to re-add my phone number but the numbers I was given only let you request credit report or add fraud alert. I lost gettin car refinanced because my credit couldnt find way to access experian. I had a new credit card get cancelled by experian without contacting me first. Experian assumed it was fraud. Caused a huge problem and 3 months to clear up. The numbers I was told to call are Experian XXXX, XXXX  XXXX then 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 2019-03-14 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: IN

Complaint narrative:
I have tried on multiple occasions to get Equifax to follow FCRA and in turn respect my rights in this matter. I have asked Equifax to on at least 4 occasion to validate this account, as well as on multiple occasions as Equifax to present me a description of the procedures used each of these disputes. Equifax refuses to and even lied in one CFPB complaint stating that they would send it in the mail. No such information has come and even then they failed to follow FCRA and just opened up a dispute. What part of " FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY '' is confusing you? nothing in this says open a dispute, in fact everything states do not open one and tells you exactly what is requested. The letter clearly states in bold red letters to not open a dispute and that this was a procedure request : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This letter is being sent via certified mail / return receipt requested and notarized, for pending lawsuit : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY : FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY Equifax email pertaining to this issue attached you will see that stated the reinvestigation will take up to 30 days. Under FCRA listed above they have 15 days from the date they received the letter from me. Tracking number and such will be in attachments. Futhermore this was a procedural request.. as stated under FCRA 611 ( 15 U.S.C. 1681I ) and which was clearly notated in the letter i sent equifax, as well, being that this is at least the 3rd time Ive had this issue with equifax pertaining to this i asked for this to be expedited

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am at wits end with the credit bureaus- especially XXXX. Last year I had some issues through my bank. I was advised to put a temporary fraud alert. I have been trying for over 5 months to remove the fraud alerts. I have lost out trading in my car for something else because no one, not even car dealership could contact XXXX. I have called, sent letters, filed complaints with cfpb, filed complaints with XXXX. I just tried to pay a bill online and had an alert not letting me make payment because it seems one or all of the credit bureaus have mysteriously deleted my phone number from their records. I have to contact them to re-add my phone number but the numbers I was given only let you request credit report or add fraud alert. I lost gettin car refinanced because my credit couldnt find way to access XXXX. I had a new credit card get cancelled by XXXX  without contacting me first. XXXX  assumed it was fraud. Caused a huge problem and 3 months to clear up. The numbers I was told to call are XXXX XXXX, transunion XXXX then 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 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am at wits end with the credit bureaus- especially XXXX. Last year I had some issues through my bank. I was advised to put a temporary fraud alert. I have been trying for over 5 months to remove the fraud alerts. I have lost out trading in my car for something else because no one, not even car dealership could contact XXXX. I have called, sent letters, filed complaints with cfpb, filed complaints with BBB. I just tried to pay a bill online and had an alert not letting me make payment because it seems one or all of the credit bureaus have mysteriously deleted my phone number from their records. I have to contact them to re-add my phone number but the numbers I was given only let you request credit report or add fraud alert. I lost gettin car refinanced because my credit couldnt find way to access XXXX. I had a new credit card get cancelled by experian without contacting me first. XXXX  assumed it was fraud. Caused a huge problem and 3 months to clear up. The numbers I was told to call are XXXX  XXXX-XXXX-XXXX,   transunion XXXX-XXXX-XXXX then XXXX-XXXX-XXXX, equifax XXXX-XXXX-XXXX.

Company response to consumer: Closed with explanation