vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a balance on my XXXX credit card of {$21.00} that I was unaware. I received a credit alert in mid XX/XX/XXXX that my account was over 30 days past due. I immediately called the Capital One about the issue. My address that they had on file was invalid and I  gave them the correct address information. They reversed the late fees and finance charges and I paid the balance immediately. Although, my other contact information was correct, I never received any phone calls or other communication from Capital One that there was an issue with my account. I asked them could they correct the 30 days past due on the credit bureau reporting because I didn't want to be penalized for the bill that I was unaware and for them not having my correct address. They said no that I would have to contact the credit bureau. Of course, I contacted the credit bureau and they said that Capital One would have to correct it. I disputed it at all 3 credit bureaus. To date, the negative reporting was reversed at XXXX. In XX/XX/XXXX, the negative reporting was reversed with XXXX   but they have since put it back on in XX/XX/XXXX. I have been given the runaround because of this issue and it has become very stressful. My credit bureau score dropped 87 points because of this negative reporting of {$21.00}. XXXX keeps saying that the company needs to correct it and then they close my dispute with no notification or disclosure of results. Capital One keeps telling me to contact the credit bureau. I'm at a lost here of what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for the XXXX XXXX XXXX American Express card. My credit is over XXXX and my income is substantial. The reason they denied my approval was back in 1999 I filed for bankruptcy and one of the credit cards I had at the time was an American Express card. 
The BK was difficult and stayed on my credit for 7 years and thankfully got back on my feet and have been very successful and have many credit cards in my name. I was not aware that it was legal to deny me credit over a debt that was legally dealt with 20 years ago? I have not been denied any credit of any kind the last 10 years. Mortgage, cars, credit cards etc. If this is not discrimination then I do not know what is. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a complaint a few months ago and did not get a response from this company, neither did the problem get fully resolve. When I reported it last, it was against XXXX XXXX XXXX, and later looked into my card account on XXXX to see when they report to Experian , and it showed each month on the XXXX but EXPERIAN are not updating the score to and updated credit score in a timely manner. This is a continuation of Experian and who knows how many other persons this kind of practice this is effecting.

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 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE LATE PAYMENT ENTRIES. THOSE LATE PAYMENT ENTRIES ARE INACCURATELY PLACED ON MY REPORT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE LATE ENTRIES PURGED OFF MY CREDIT FILE. THOSE LATE HAS BEEN CAUSING HARM TO MY FILE WHICH I WAS UNAWARE OF.

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE LATE PAYMENT ENTRIES. THOSE LATE PAYMENT ENTRIES ARE INACCURATELY PLACED ON MY REPORT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE LATE ENTRIES PURGED OFF MY CREDIT FILE. THOSE LATE HAS BEEN CAUSING HARM TO MY FILE WHICH I WAS UNAWARE OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Usaa internet fraud dept. Some one hacking my account. Tracking my account. An every time i talk with them.i get Colorado XXXX XXXX. Money is coming up missing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I HAVE TRIED TO CONTACT SANTANDER, I'VE WRITTEN ALL THREE BUREAU 'S WITH NO HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had a balance on my XXXX credit card of {$21.00} that I was unaware. I received a credit alert in mid XXXX that my account was over 30 days past due. I immediately called the XXXX XXXX about the issue. My address that they had on file was invalid and I gave them the correct address information. They reversed the late fees and finance charges and I paid the balance immediately. Although, my other contact information was correct, I never received any phone calls or other communication from XXXX XXXX that there was an issue with my account. I asked them could they correct the 30 days past due on the credit bureau reporting because I didn't want to be penalized for the bill that I was unaware and for them not having my correct address. They said no that I would have to contact the credit bureau. Of course, I contacted the credit bureau and they said that XXXX XXXX would have to correct it. I disputed it at all 3 credit bureaus. To date, the negative reporting was reversed at XXXX. In XXXX, the negative reporting was reversed with TransUnion but they have since put it back on in XXXX. I have been given the runaround because of this issue and it has become very stressful. My credit bureau score dropped XXXX points because of this negative reporting of {$21.00}. TranUnion keeps saying that the company needs to correct it and then they close my dispute with no notification or disclosure of results. XXXX XXXX keeps telling me to contact the credit bureau. I'm at a lost here of what to do next.

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 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I did. not authorize this account, Nor did I benefit from it. Please block it and remove it from my credit report. Failure to do so is a violation FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 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: North State Acceptance, LLC
State: NC

Complaint narrative:
Northstate acceptance took this account off of my report. Months later the account was put back onto my account after they voluntarily removed it. Filed a complaint with the cfpb and they stated it would be removed in XXXX. The account is still listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: TX

Complaint narrative:
I HAVE TRIED TO CONTACT XXXX, I'VE WRITTEN ALL THREE BUREAU 'S WITH NO HELP

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 2019-10-30 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: TX

Complaint narrative:
I HAVE TRIED TO CONTACT XXXX, I'VE WRITTEN ALL THREE BUREAU 'S WITH NO HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE TRIED TO CONTACT XXXX, I'VE WRITTEN ALL THREE BUREAU 'S WITH NO HELP

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Special loan service company, will not let us pay mortgage payments on line since we are on bankruptcy, only on phone and wants to charge us {$10.00} for making the payment. My understanding is that they cant charge people in bankruptcy fees.

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any  discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
On XX/XX/2019, a call was received from an employee at Western Finance operating under Western Shamrock, and the call was answered on speakerphone due to the person at work. Information regarding my account was given to another person without my consent and since the call was answered on speakerphone, 2 other people in the room heard my personal information. The employee demanded that we go into the office the next day saying we HAD to go in. After the other person was given information, he then told the person calling from the company that it was not his account and should not be giving out information. The manager then got on the phone and told him that it was a federal law to release personal information. She stated that she would talk to her employee regarding that issue. They then called him back and asked him to have me go in and have me sign a form allowing them to release information AFTER they released the information to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
In XX/XX/2019, Citizens Bank was notified by me that I desired no charges to be approved via the debit card if funds are not available. On XX/XX/2019, I discovered that not only did Citizens approve a charge that would cause an overdraft, but they also then charged an overdraft fee even knowing they were well informed not to approve charges that would cause overdrafts. Upon requesting them to rectify their error and refund the overdraft fee, Citizens Bank has refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
It appears that Mr. Cooper is in violation of California 's XXXX XXXX of Rights. A Request for Mortgage Assistance ( modification application ) was submitted XX/XX/XXXX. A " Single Point of Contact '' was assigned on XX/XX/XXXX. We followed up with Mr. Cooper on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX for an update on the request. The assigned SPOC was never available. We always spoke to a " SPOC department representative ''. The SPOC department representatives ALWAYS provided conflicting information on the status of the application, on multiple occasions asking for the same documents that were faxed multiple times, clearly violating the sole purpose of the regulation to assign a Single Point of Contact. One of the SPOC department representatives advised us that their " processing department '' evaluates everything submitted to determine if it's complete, not their SPOC department. That SPOC department representative took the time to review everything submitted and confirmed that the requests to re-submit documents ( that were already submitted ) was not valid, and proceeded to submit a dispute to that department. Thank God that the loan is current, otherwise, wrongful foreclosure is imminent in this pattern of practice of negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX ; I live at XXXX XXXX XXXX, XXXX ca XXXX I currently have a mortgage loan with Mr Cooper DBA Nation star. The purpose of my complaint today is to ask for your  help, I have been making payments on my mortgage, I fell behind one month only in XXXX, I called and advised the agent that I had payments scheduled, for that Friday, I dont recall the date, the agent advised me that yes he saw the payment, he then asked me if I wanted a payment plan, I asked what it was he explained it, he placed me on hold and I hung the phone up. The following day, there was a 4 month payment plan on my account mind you I was only 1 month behind. The plan didnt allow me to edit change it, it basically set in stone and I didnt sign anything or agree to increase my payment by XXXX for a 4 month payment plan. I was forced to pay 1st payment although I couldnt afford it, I called back and told them I cant do this pay plan they them blocked my account to a read only status. I started paying my regular payment which is XXXX ; this company placed them in an unapplied status meaning now they wont apply it to my account. I asked why they were doing this I was told I asked for a forbearance I advised them I didnt ask for a forebearance and I do not know what this was, they explained its when you cant pay the account and they suspend payments. I advised them I didnt ask for this. They refused to take me off this and refused to apply my payments, I then XXXX XXXX the payment so they would hit my account, those payments were applied, and I was then told the following : On XX/XX/19 I was told I owed XXXX On XX/XX/19- I was told I owed XXXX On XX/XX/19- I was told I owed XXXX When I called no one could explain why I owed this money this was on XX/XX/XXXX, on XX/XX/XXXX, I was told my payments were reversed I asked why when they were XXXX XXXX I was told the following from multiple people : 1. You didnt pay it 2. The XXXX XXXX  was reversed back to XXXX XXXX, I asked when they said they didnt know 3. I was told I didnt pay XXXX although they it says XXXX was paid 4. I was told this billing is confusing I cant explain why it says this 5. I was told I need to talk to someone else 6. I was told that my payments were returned 7. I was told the money is sitting in unapplied At the end of the day I paid this account, I wasnt behind this far until the agent deleted my scheduled payment blocked me out of my account and now are not applying my money to make me fall behind. I do not know what else to do seeing their agents dont know what to do or say. I really need help this has to be illegal. 

They are also double billing me for inspection fees, they never advised me of this they are also billing for XXXX saying its inspecting fees, calls paper work and atty, again never advised me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
An account was opened unbeknown to me with XXXX XXXX and it was sent to collections. My father who had all of my personal information used it to create several credit card accounts and I have been trying to remove them. I have disputed the record with XXXX but have not seen any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FILED WITH FTC, SENT INFO TO AL 3 BUREAUS,,, AND CONNS

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 2019-10-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FILED WITH FTC, SENT INFO TO AL 3 BUREAUS,,, AND CONNS

Company response to consumer: Closed with explanation