vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 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: MD

Complaint narrative:
Back in 2015, we cancelled our XXXX cable service and sent the XXXX back in the prepaid box they sent us. A month later, we got something in the mail saying that we hadn't returned it. I called XXXX and verified that it had been returned, but that just hadn't registered in their system yet. She said that took a couple of months, which made no sense, but I couldn't do anything about it. A few months later, we were told that this was turned over to collections and we started getting calls from the collection company. I called XXXX again, and they confirmed that the equipment had been returned, but didn't know what to do about the fact that the false debt had already been turned over to collections. I informed the collection company of this, and figured they would work it out with XXXX. But here we are 3 years later, and it is still on my credit. I filed a complaint with Experian, who said they verified the debt with XXXX XXXX XXXX. The debt is fake. XXXX shouldn't never have recorded it as a debt.

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 2018-09-18 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
In XXXX, 2018, I agreed for Wells Fargo Bank to close my debit visa card due to a fradulent transaction. I was issued a new debt visa card 1 week later. I did not give any companies my new debit visa card information. On XX/XX/2018, XXXX charged the old card for a reoccuring payment and the charge went through on my account although I did not supply the new card information. When I went to the XXXX account as well as the Wells Fargo account, they both reflected the number of the old debt visa card that was closed. When I called Wells Fargo, they said it was a XXXX issue due to it being an agreement with XXXX and the XXXX. When I called XXXX, they said that I needed to contact Wells Fargo because they were the ones who allowed the old card number to be charged to prevent an interruption in my XXXX service. In the past, if a debt visa card was cancelled/closed, the merchant would be unable to charge my account and I would have to update and give the new card information if I wanted to continue the service. I am gravely concerned about my protection against fraud if merchants can still receive payment on my checking account with use of a closed/cancelled debt XXXX card. Wells Fargo nor XXXX would give me an option to prevent this from happening. I have therefore cancelled my new debit XXXX card out of concern.

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 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I did not receive a statement for the month of XXXX and XXXX of 2018 from my Kohl 's acct. XXXX submitted to the credit bureau that I missed 60 days of payment. 

This is not acceptable. I should have been notified that my acct was late or behind!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: NC

Complaint narrative:
I have sent a total of 5 dispute letters to Experian ; I have attached 4 of the 5 certified mail receipts for support. Each time, they respond back stating that the accounts are verified. My issue is that my certified mail receipt shows that my most recent letter was delivered to Experian on XX/XX/XXXX at XXXX pm. I received a response dated XXXX to my dispute letter verifying all 11 accounts in question. There is absolutely no way that Experian did their due diligence on investigating these accounts in just 6 days. My disputes are justified and valid and they are obviously auto-verifying my information instead of doing an investigation on the accounts in question. Here is a list of the items in my letter delivered on XX/XX/XXXX : XXXX XXXX XXXX - # XXXX Reason : This account has a charged off status but XXXX XXXX XXXX XXXX still reporting a balance of {$7900.00} every single month. If the account is charged off, the balance reporting should be XXXX. Please delete this erroneous account from my report ASAP. 

XXXX XXXX XXXX - # XXXX Reason : XXXX is reporting that the date of first delinquency was XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX reports XX/XX/XXXX. Dont creditors send all 3 bureaus the same information? Please delete this inconsistent, inaccurately reporting account from my report. 

XXXX XXXX - # XXXX Reason : Account is reporting as a charge off but was settled. There is nothing more owed. Also, date of last payment is reporting differently between 3 bureaus ; Experian reports XX/XX/XXXX, XXXX and XXXX   report XX/XX/XXXX. This information is inconsistent and should therefore be removed from my report. 

XXXX # XXXX Reason : Account has been transferred to a collector who reports a balance which means this account should not be reporting. Please delete. 

XXXX - # XXXX Reason : Date of last payment varies across 3 bureaus which is inconsistent since creditors should report same info. This account should not be reporting. Please delete. 

XXXX XXXX - # XXXX Reason : Date opened shows XX/XX/XXXX but first reported shows XX/XX/XXXX. This makes no sense. How can an account report before it was opened?? Please delete erroneous account. 

XXXX XXXX XXXX - # XXXX, # XXXX Reason : These accounts are unknown. Please provide signed contract and/or application with my information on it or delete. 

XXXX XXXX # XXXX, # XXXX, # XXXX Reason : These accounts are unknown. The address provided by the company for when accounts were opened is also incorrect. Please provide signed contracts and/or applications with my information on it or delete.

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 2018-09-18 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: Trident Asset Management, L.L.C.
State: MD

Complaint narrative:
Back in 2015, we cancelled our XXXX cable service and sent the DVR back in the prepaid box they sent us. A month later, we got something in the mail saying that we hadn't returned it. I called XXXX and verified that it had been returned, but that just hadn't registered in their system yet. She said that took a couple of months, which made no sense, but I couldn't do anything about it. A few months later, we were told that this was turned over to collections and we started getting calls from the collection company. I called XXXX again, and they confirmed that the equipment had been returned, but didn't know what to do about the fact that the false debt had already been turned over to collections. I informed the collection company of this, and figured they would work it out with XXXX. But here we are 3 years later, and it is still on my credit. I filed a complaint with XXXX, who said they verified the debt with TRIDENT ASSET MANAGEMENT.  The debt is fake. XXXX shouldn't never have recorded it as a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to get my free credit report from Experian and am unable. Their website directed me to a phone number. The automated phone number led me through a series of menus, but none of the options were related to getting a copy of my credit 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 non-monetary relief
Consumer complaint received 2018-09-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
In XX/XX/XXXX we received a response from Bank of America ( " BoA '' ) concerning the length of time the company reported a negative item on our credit reports. I have attached a copy of the company 's response. We submitted a complaint to your agency on XX/XX/XXXX and BoA responded that this is a duplicate inquiry. However, this is a new complaint. BoA confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/XXXX. 

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported. We are now past the 7 year period and BoA continues to report the negative item on our credit reports. When we filed our initial complaint in XX/XX/XXXX, the 7 years had not fully lapsed. We are now over the 7 year mark and the negative item remains on our credit 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 explanation
Consumer complaint received 2018-09-18 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I made a payment on XXXX, and was told it failed due to non-sufficient funds. So I made another payment on XXXX, and was under the impression everything was fine. 

On XX/XX/XXXX, received an alert that my payment had failed. After discussing with my bank ( XXXX ) and XXXX ( credit card company ), I eventually learned that XXXX had collected my payment on XXXX, but did not update my payment history to show a successful payment. The status still shows both the XXXX and XXXX payments as returned. 

Even though XXXX had already collected the money, they tried 3 more times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to collect the money. They explained that they attempt to collect a payment 3 times after a failure, and that they consider both the XXXX and XXXX payments as being separate. Even though they had been paid, they tried to collect my XXXX XXXX more times afterwards, and caused an NSF with my bank each time. I also was hit with 2 different late fees from XXXX. 

XXXX has been great and offered to refund 2 of the 3 overdrafts, even though they weren't at fault. However, XXXX has refused to cover the cost of the third overdraft they caused, and they also would only refund one of the late payments. I would be satisfied with both of the late payments being refunded, because the net result would be no money out of pocket for me from their behavior or unknown practice of NSFing a customers account 3 times trying to get a payment ... ..with no prior notification or direct authorization. 

In the end, they never told me they had collected the funds. Even now, my payment history shows 2 failed attempts, and no successful attempts. If they had at least updated that portion of my account, I wouldn't have made another payment under the understanding that I owed them money. Because I did, I got hit with a number of fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I had initially called in to my auto loan company ( Ally ) to find out if I could decrease my interest rate, not because I wanted to decrease my monthly payment but wanted to pay off my loan sooner. The person I spoke with told me that this was not possible. There had been no communication since. On XX/XX/2018 at XXXX I received an email stating that my automatic payment had been cancelled. I tried logging into the company 's web portal and it informed me that my account had been closed. These were not authorized changes to my account and at no time did I verbally or in writing agree to any changes. When I contacted the company they told me that they had cancelled the automatic payments because I requested to have the loan rewritten to reduce my monthly payment by spreading my payments at the same interest rate over a longer period of time. The company insisted that no other changes were made to my account other than suspending automatic payments. I have the screenshots showing that my account was completely closed proving their lies about what was and what was not changed. Over the weekend the company was operating with an overseas call center and refused to put me in contact with someone who could have had the issue corrected. I have made 100 % of my payments on time. Now, because of the unauthorized changes to my account the company did not take the scheduled payment on time and my account is now past due, through no fault of my own. The way they had closed my account I couldn't even make a payment to my account. I was able to ultimately get escalated to XXXX XXXX at XXXX who guaranteed me that my account was corrected. I have screen shots showing that my account was in a past-due state. i asked her about this and she assured me that I would see the automatic payments start again over night, my payment would be processed and that my account was indeed in good standing. Today, I am now getting collections calls from Ally telling me that I am past due and that they want their money. My account still shows that it is in a past due state. I have literally been trying to pay them and they aren't taking the money. This is putting my account status and my credit score in jeopardy. I am looking for someone to investigate Ally the way they did XXXX XXXX. If this happened to me, it has happened to others. These types of unauthorized changes can not be legal and only benefit Ally. If I didn't read my email I would have been reporting my car was stolen three months from now and then finding out that they repossessed it after making illegal, unauthorized, changes to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I accidentally incurred an overdraft on my checking account due to an error with a XXXX transaction. I was under the assumption that not being enrolled in overdraft protection would cause the payment to fail as it would with a debit card transaction. 

on XX/XX/XXXX the transaction completed and my account was left with a balance of XXXX. 
on XX/XX/XXXX a {$35.00} overdraft fee was applied to bring the balance to XXXX. 

On XX/XX/XXXX I became aware that my account had been overdrafted. I went to the local branch and stated that i would like to cover the overdraft amount and asked if there was anyway the overdraft fee could be waived. 

I was provided a customer service number ( XXXX ). I was told to call the number and they would waive the overdraft fee. 

When you call the customer service number there is an automated menu. At no time does this menu give you an option to speak to a live person. After a week of calling this number and trying EVERY menu option I found that pressing '0 ' TWICE would transfer you to a live person. If you press '0 ' once it reverts to the main menu, if you press '0 ' twice it connects to a representative. There is NO mention of '0 ' being a menu option at all. 

on XX/XX/XXXX I was finally able to talk to a representative. He said he could waive the original overdraft fee, but i would still be responsible for the two {$30.00} fees that occured in the time period that I was trying diligently to rectify the first fee. I told him this was not acceptable and I would like to close my account. In order to close the account I would have to bring the balance to zero. 

My balance is currently XXXX due to {$60.00} in fees incurred by the original overdraft fee which was waived. 

I then went back the the local branch and was told that I would be stuck with those fees. 

I think that it is ridiculous that the customer service number 's automated menu is intentionally obfuscated to the point that it does not have a straight forward way to talk to an actual person. It took me a week to figure out to press '0 ' twice, and in that week they want to charge me an additional {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. A previous dispute of this was mailed To Capital One Fraud department however Capital One mishandled this as a durable POA and it is NOT. This is a dispute of identity theft. He was notified by Capital One of a fraudulent application submitted with his information without his consent. An account was established related to this fraudulent activity and is being reported to each of the credit bureaus ( account ending XXXX ). Capital One has failed to correctly address this issue and as such are in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Fay servicing held my mortgage for only 7 months then sold it another servicer and .still shows as an open acct on my credit report called them and they said they purged all info off their computers and have no info on me? 
XXXX is the exact representative assigned to my account her name is XXXX XXXX need thim to report account is transferred not with them anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have been completely ignored by these companies when it pertains to my rights as a consumer so concerning my credit so I decided to file ANOTHER COMPLAINT to provide that my rights are being violated. I am no longer able to file disputes on their websites so I have to send all of my disputes in to XXXX, XXXX and TransUnion. This account as been disputed mulitple times for inaccuracies and ALL 3 BUREAUS HAVE MULTIPLE -INFORMATION THAT IS INACCURATE AND UNVERIFIED. Yet they have all said that in previous disputes where I have certified reciepts that this was verified as accurate. Did they all contact different companies? 
-DOFD IS NOT CORRECT. 
NO HIGH BALANCE OR INACCURATE AMOUNT XXXX EVEN HAS A MONTHLY PAYMENT REPORTING ON AN ACCOUNT THEY ARE REPORTING IS SOLD TO ANOTHER PARTY. 
LAST PAYMENT RECEIVED IS ALSO 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 2018-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I closed my mortgage on XX/XX/18 with Freedom Mortgage. The loan funded on XX/XX/18. Freedom was to mail me an escrow balance from my previous loan in the amount of $ XXXX.The check was never received. I have contacted Freedom 12 times and have been lied to each phone call. Freedom has to me the check was mailed twice. They have told me they didn't have my address. They have told me a supervisor will contact me. To date, a supervisor has not contacted me and I have not received my escrow check from the XX/XX/XXXX closing. my current loan # XXXX. However, the escrow check is due from my previous account. that account number is # XXXX On my latest calls, XX/XX/18, I was told that Freedom did not have my address. On XX/XX/18, I was told by AL, # XXXX, that he could not find any record of an escrow check due 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 2018-09-18 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: ME

Complaint narrative:
In XX/XX/XXXX we received a response from XXXX XXXX XXXX ( " XXXX '' ) concerning the length of time the company reported a negative item on our credit reports. I have attached a copy of the company 's response. We submitted a complaint to your agency on XX/XX/XXXX and XXXX responded that this is a duplicate inquiry. However, this is a new complaint. XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/XXXX. 

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported. We are now past the 7 year period and XXXX continues to report the negative item on our credit reports. When we filed our initial complaint in XX/XX/XXXX, the 7 years had not fully lapsed. We are now over the 7 year mark and the negative item remains on our credit 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 explanation