vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-02 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:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/18 ; XX/XX/18 ; XX/XX/18 ; XX/XX/18 ; XX/XX/18 ; and XX/XX/18 to XXXX XXXX and all the credit bureaus. It is now XX/XX/2018. I sent the XXXX XXXX and all the credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

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 2018-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Dear CFPB, There was a late payment reported from the following account in XX/XX/2015.

XXXX XXXX Late payment : XX/XX/2015 This account has since been paid in full and closed. The reason for this late payment was because the XXXX XXXX payment site had malfunctioned and I was unable to make the payment before the due date. I contacted XXXX XXXX to explain this but was unable to resolve the situation. This is the only late payment that is on my credit report and I would like to do everything I can to get it removed. I would greatly appreciate any help you can give me to get this removed from my credit profile.

My email address is XXXX.

Thank you very much, 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 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I called XXXX to cancel my XXXX XXXX rewards credit card before the first anniversary, to avoid an annual fee and was told that they would not cancel the card and worse that they would still be charging me an annual fee ( even if they let me cancel ). I politely asked if the {$59.00} fee would be refunded as I was not using the card past the first year and I was told they would not do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-02 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:
In 2018, disputes letters were sent to XXXX, Transunion, and XXXX requesting they correct and validate the information on my credit report in accordance with Section 609 of the Fair Credit Reporting Act. If the information could not be validated by producing an original signed contract in accordance with the law, I requested the account be deleted. Each response, they failed to produce a signed contract. Transunion failed to date a response within 30 days of receiving the request. 

XXXX Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XXXX XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX  Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX XXXX   Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated Transunion Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XXXX No response -- -- -- -- -- - XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated

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 2018-10-02 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:
In 2018, disputes letters were sent to XXXX, XXXX, and Equifax requesting they correct and validate the information on my credit report in accordance with Section 609 of the Fair Credit Reporting Act. If the information could not be validated by producing an original signed contract in accordance with the law, I requested the account be deleted. Each response, they failed to produce a signed contract. XXXX failed to date a response within 30 days of receiving the request. 

XXXX Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XXXX  XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate Equifax Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX XXXX   Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX  Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XXXX  No response -- -- -- -- -- - XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/2018, I was notified that XXXX XXXX XXXX bought a debt from XXXX XXXX. I had made payment to this debt on XX/XX/2018. They have appeared on my credit report and this is, in turn, affecting my ability to build credit due to their fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, They continued aggressive collections even though they were alerted of a active Bankruptcy # XXXX. This debt was paid for {$35.00} on XX/XX/2018 under duress. The G.M. at the store refused to waive a {$30.00} surcharge. The total paid by Bank Cashiers check was {$65.00}. Due to XXXX XXXX corporate office notified of BK # XXXX we are asking for a full refund of surcharge of {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a checking account with Wells Fargo on XX/XX/XXXX. A transfer of {$25.00} for the opening deposit was initiated from my XXXX XXXX account. I closed the Wells Fargo account the same day. The {$25.00} were debited from my XXXX XXXX account, but according to Wells Fargo the funds were never deposited to my account there. Both banks refuse to help. I want my funds returned to 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 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Victim of inquiry issue by TransUnion Credit Bureau, section 611 of the Fair Credit act failed to inform me re-recording credit breach negative inquiry.. TransUnion customer service would not help and take care of negative inquires reporting to my credit report. File no. 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 2018-10-02 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: GA

Complaint narrative:
I have been working with the reporting agencies for months now trying to have public record information deleted from my personal credit reports but with no luck. However, based on the information that I have found per the NCAP it states two things required : The public record data must have your name, address, and either your Social Security number or your date of birth. 
The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. After reviewing my 3 CRA records this information is not listed on the public record that is attached to my file. I am requesting that this public record..ie : bankruptcy information be deleted from all 3 CRA accounts ASAP per my right based on the NCAP law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITALONE with no successful resolution. XXXX is the only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: GA

Complaint narrative:
I have been working with the reporting agencies for months now trying to have public record information deleted from my personal credit reports but with no luck. However, based on the information that I have found per the NCAP it states two things required : The public record data must have your name, address, and either your Social Security number or your date of birth. 
The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. After reviewing my 3 CRA records this information is not listed on the public record that is attached to my file. I am requesting that this public record..ie : bankruptcy information be deleted from all 3 CRA accounts ASAP per my right based on the NCAP law.

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 2018-10-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been working with the reporting agencies for months now trying to have public record information deleted from my personal credit reports but with no luck. However, based on the information that I have found per the NCAP it states

two things required : The public record data must have your name, address, and either your Social Security number or your date of birth. The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. After reviewing my 3 CRA records this information is not listed on the public record that is attached to my file. I am requesting that this public record..ie : bankruptcy information be deleted from all 3 CRA accounts ASAP per my right based on the NCAP law.

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 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I quit trying to work or contact this company. I co-signed for my daughter an automobile which she wrecked. At the time of purchase I paid for gap insurance and was assured that I would not have to pay anything in case of total/damage of the vehicle. 
Company started calling me about a balance. I called the dealership where I had purchased to insurance only to find out that they ( without contacting me ) has refunded to my  account any monies they had collected for premium since daughter had wrecked car. 
Every time Santander would call me I would ask for documentation regarding the {$1200.00} they were showing owed, regarding the wreck/settlement etc. They did all, did not contact me OR provide any documentation showing that I owed anything or the details of the wreck/settlement/insurance information that I had repeatedly asked for. 
When I told them to stop calling me, all further communication must be in writing, no notice from them ... ... .bam, on my credit and still being reported as of today even though they show it as a write off. 
Had I ever gotten the documentation request not only could I confirm the amount in question, if owed, it would have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: GA

Complaint narrative:
Selene Finance is not giving us credit for mortgage payments that we made by putting the payments in suspense accounts and not crediting our account. As of XX/XX/XXXX our statement showed that we are {$0.00} past due. Selene accepted this payment on XX/XX/XXXX. About two weeks later we get a " Notice of Default and Intent to Accelerate.

This company appears to be using unethical, possibly illegal practices and trying to push a intent to accelerate to take customer home. This type of behavior should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: West Central Texas Collection Bureau
State: TX

Complaint narrative:
West central Texas collection insists on reporting to XXXX that I have an open account with them that is on a chapter XXXX wage earner plan. This is not true. I filed chapter XXXX and the account should show closed with a XXXX  balance. I contacted them and they refused to correct the information on my XXXX   report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

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 2018-10-02 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and come to an agreement to have the authorized charge to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
XXXX XXXX XXXX appears to be engaging in unsolicited advertising, resulting in multiple violations of the Do Not Call registry. I did not contact them, have no business relationship with them and do not desire their calls. Despite this they keep calling my prepaid cell phone twice daily from a number not listed on their website and unverifiable as them leaving voicemails each time, with contact numbers also not verifiable as being them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
On XX/XX/2018 I was sent a letter from FBCS , Inc stating I had an outstanding balance of {$240.00} to XXXX XXXX XXXX XXXX and FBCS , Inc was requesting payment from me. 

I replied to them with my own letter disputing this charge on XX/XX/2018 because I've never had any account with XXXX XXXX XXXX XXXX, ever. I don't have a XXXX cable box. I've never signed up for their service. The debt is not mine. 

Then today ( XX/XX/2018 ) I received another letter stating I needed to provide additional information detailing my dispute and send documentation supporting my dispute. I've never had an account with this company! How can I provide documentation? What paper work do they want me to provide? 

These guys use language in their letter to try and intimidate and scare people into paying them. This is super unprofessional and insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC
State: CA

Complaint narrative:
I recieved a collection notice dated XX/XX/2018 from Finex Group LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX This is the address and phone # on the notice. Regarding a {$1200.00} debt owed to a towing company. XXXX XXXX XXXX, inc. 
I have had no dealings with said company and no vehicles towed. Tried to call the number given, it was invalid, recording said I need to " unblock my phone ''. I have no block so I XXXX searched. Says company permanently closed. Had a different # XXXX XXXX XXXX. Same recording. May be a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: CO

Complaint narrative:
I have already contacted you guys about this and its not resovled and the business is with holding court sealed documents that i provied them with showing i was incarcerated during the time of this account i was incarcerated on 2 separate cases and i served 2 separate sentences for both cases and i provide the business with both documents of this and you guys just let them close the account well its not mine i want it removed off my credit report its not mine so i dont want it closed so its a negative report on my credit yes i may make mistakes but i pay my bills when i have them but this is just not right ive never in my life been to a speedy cash my wife works at money tree here in Colorado if i wanted a pay day loan thats were i would have went so there not removing it and its not mine. My wife works for a pay day loan place and she said by law when a person gets a loan they should have finger printed documents from the person receving the loan well they need to provide these documents because those finger prints will have the proof that its not me ive been a victim of theft someone has stole my identity and i want this removed not closed i want it removed off my credit or i will have to hire a lawer to handle both of these companies that are letting people use my name in theft which is also a crime in it self and i will not let thus go on this is not my account please contact this company and have it removed from my credit not closed because closed is stating its still mine and it shows up on my credit this is not my account its some stealing my identity and it should be removed all the way off my credit report i have court sealed documentes that i will provide you with that shows i was incarcerated during the time this account was opened and ask the companys which are envoled in this act of crime against me and have them remove this completely off my credit report not just close it because its not mine i should not have a debt on my credit if it is not mine i want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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:
On XX/XX/2018 I filed a complaint with CFPB because Equifax was not reporting my payment history from-XXXX XXXX And XXXX XXXX Now that the case has been closed my score was decreased by 71 points and Equifax is not showing payment history on both of my XXXX XXXX account and, correct Credit limit from XXXX XXXX and XXXX XXXX balance is incorrect and no payment history is showing ..

Now because I am An XXXX XXXX female and I report an error to CFPB I am being discrimimated suddenly. Now I am seeking an attorney because Equifax not being fair and they are not reporting my information correctly.

Company response to consumer: Closed with explanation