vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Credit reports from the three predominant credit report institutions have been systematically and consistently reporting that I have have serious delinquencies affecting substantially my credit record and my ability to find low interest rates on credit cards, student loans, car loans mortgages. 
I have been continuously paying my debts since XX/XX/XXXX and this has not been reflected on my credit record/history because of this. 
Last year I found out I had a {$37.00} apparent unpaid medical bill since XXXX which I not only did not know it existed and once I found out ( because It was reflected on my credit report ), I decided to pay it even though I thought It was a fraudulent bill. 
The question to ask these three cold heart credit report institutions is that if they feel {$37.00} is a serious delinquency? 
And worst of all is that these cold heart institutions will keep reporting for seven years this {$37.00} as a serious delinquency even though is has been paid off. 
I believe, a law should be passed to ban these credit report institutions from reporting as serious or even plain delinquencies amounts below {$100.00} or a sum considered irrelevant. I will write today a letter to my district congresswoman to start a campaign against these and other harmful policies and practices and have the US Congress review these credit report institutions to obligated them to have fair and reasonable practices and policies. It seems to me, no government institutions supervise and controls these institutions, if the can be called institutions. 
Nobody is a delinquent for having a {$37.00} record or {$100.00} or {$1000.00} on their report, is not a crime, a delinquent is a person that has transgressed the law, its illegal to call somebody a delinquent for an unpaid bill. This is unacceptable. 
These institutions have to do their home work to establish once received a report specially from collection agencies if the report is fraudulent or not, it seems these institutions only collect information and sell it as is, they have not adopted controls over the information received or at least, get in contact with the affected consumer to check if its a fraudulent record. These institutions could well be just a computer since they do nothing but collect information and sell if, they don't care about the consumers. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a mens suit at XXXX XXXX XXXX. I paid for it in full and left it there for alterations. The bill I have shows an additional charge for alterations and it was to be shipped to me.I never received it so I called American Express on XX/XX/XXXX to dispute the charge since I paid for it in full with my AMEX card. They credited my account. They gave me a reference # XXXX and then sent me a letter saying they reversed their decision. Since there was not an explanation why I called them again and also sent letter explaining it once again they credited it again and then reversed it again. Today XX/XX/XXXX I have spent 5 hours so far trying to resolve this. I have asked AMEX repeatedly to tell me who they are communicating with and what documents they have and if they have been provided any proof that I received the suit. I have not been able to contact the Vendor because the have closed and have declared Bankruptcy. Which raises the question who did AMEX pay and why did they pay it.Clearly I can not hold XXXX  responsible and the Judge for the XXXX District of XXXX XXXX is not going to be interested in hearing from me. The XXXX  can not offer any help so I need to enlist your help in resolving this situation since AMEX has not been helpful at all. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX did a hard credit pull on my credit report without my permission. I have not done business with them in years and my account has been closed for years. They were not authorized.

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 2020-04-13 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$1100.00} XXXX  XXXX {$680.00} XXXX  XXXX {$10000.00}

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 2020-04-13 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$1100.00} XXXX  XXXX {$680.00} XXXX  XXXX {$10000.00}

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 2020-04-13 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: CA

Complaint narrative:
I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation

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 2020-04-13 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: CA

Complaint narrative:
I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation

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 2020-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
When I received my XXXX 1098 tax form from Flagstar Bank I observed 7 late fees of XXXX on the statement and called in XXXX and spoke with XXXX who opened a case. Today I called to check status and see if a refund could be issued as I went with another company with lower interest rates. I made my payments on time using bi monthly payments, however ; a previous payment was misapplied in which a full payment was made instead of going into a pending status so subsequent payments were then behind. In trying to resolve the late fees I was provided the accurate dates from XXXX at Flagstart Bank stating that the fees started on XX/XX/XXXX to XX/XX/XXXX in which a total of XXXX is the overage I was assessed due to a computer error from Flagstar Bank. Not sure why the late fees stopped as I made NO changes to how my payments were made from my bank to Flagstar Bank.

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 2020-04-13 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: CT

Complaint narrative:
XXXX  reporting a account i dont own

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$130000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XX/XX/XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS.

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 2020-04-13 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: CT

Complaint narrative:
Transunion reporting a account i dont own

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 2020-04-13 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: Garcadia Financial LLC
State: UT

Complaint narrative:
Foursight capital - XXXX - They recently did a new update XX/XX/XXXX to reflect my account being closed, which this significantly dropped my credit scores. This account was already paid and CLOSED XX/XX/XXXX ... Why they did a new update XX/XX/XXXX like it was a recently closed account is beyond me. But it has affected my financing now. 
Closing a good account is the most damaging thing you can do! NOw I am going to be homeless due to Covid and you are the reason for my scores dropping. 
I need you to put the dates back to XX/XX/XXXX and fix the account or delete it from my credit because you are absolutely reporting accuratley!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I payed off the XXXX dollars I had owed to Wells Fargo from a previous account that ended up in fees and later closed but the balance remained and the reason for the fees was due to financial hardship and my daughter needed diapers at the time which led me to overdraft my account. Also on XX/XX/XXXX I attempted to open a new account after paying my debt and Im unable to open and its very frustrating because Im being denied and not a reason why I need a bank account I have my own business and income coming in and no secure bank account to put money in Im very disappointed I was a Wells Fargo customer since XXXX to XXXX and they have always been the bank I talked highly about its disappointing to know they cant help there loyal customers.

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 2020-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Received a mail from Debt Collector ( Portfolio Recovery Associates, LLC ) stating I owe a debt of {$370.00}. I do not own this debt. Requested that debt collector provided signed agreement that I owed and agreed to pay this debt. Debt collector has refuses to provide signed agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a {$95.00} annual fee post for a Capital One Savor credit card on XX/XX/2020 that I hadn't been using. I called Capital One and explained that I wasn't using the credit card and wanted to know what my options were. I was advised that I could change the card to a no fee card and that the annual fee would be refunded. I did this and on XX/XX/XXXX the change happened the day after the annual fee was billed. 

I assumed that the information that I had received was correct and thus did not revisit the card as I wasn't using it. To my displeasure I discovered a month later that nothing had happened to the fee and I was no being charged with a late fee and interest ( totaling {$26.00} ) as well as perhaps being reported as delinquent to the credit bureaus ( at least my final conversation with a representative made it sound that this was the case ). 

I called Capital One on XX/XX/XXXX to ask about this and after getting passed around I ultimately was told that they would research my case and call me back within a week. I called back one week later on XX/XX/XXXX to follow up. I first talked to a representative by the name of XXXX with ID # XXXX and he passed me along to XXXX # XXXX who apparently was the highest level of person one can talk to on the phone. She informed me that the company ( someone other than her ) had made a decision that it wasn't going to do anything. 

Apparently, contrary to the advice I received fees are only refunded for cards that are cancelled and not " upgraded '' although the " upgrade '' in this case was to a card with no annual fees and without the special benefits that I was paying a fee for. Asking who else I could talk to she said she could give me the corporate address, but when I inquired there was nothing special about said address. It was their public address. I also asked for a number that was attached to my internal request and she said she could not provide one. 

I then asked that since I was having to pay the fee for the card that I at least be given the card back so that I could get the benefits of said fee. She said this could not be done. In the end I was left no choice but to pay the {$95.00} annual fee for a card that I did not possess and could not benefit from. She waived the late fee and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Due to the coronavirus lockdown in XXXX, Texas, I lost 100 % of my income as of XX/XX/2020 when my governor declared a state of emergency and my city/area went on lockdown. 

I contacted Capital One Auto Finance on XX/XX/XXXX and spoke to the customer service representative and told her the situation, and that I lost my income and would not be able to make payments until this was lifted. My two biggest concerns were delinquency reported on my credit report and repossession of my vehicle during this crisis. 

I stated that I would not be able to make a payment until the lockdown was lifted and I was able to make an income - and what was Capital One doing to help people through this without destroying their credit. At that time, it was not an option for self-employed people to receive unemployment nor receive the SBA small business loans - both of which were signed into law on XX/XX/XXXX, after I made this call. 

At this time, the customer service rep stated that my loan was not far enough into delinquency to take any additional action and that I was not currently eligible for my current payment to be moved to the end of my loan term ( added on payments ), that I would need to wait until the loan was past the 30-day delinquency and call again sometime after my next loan payment was due to see what was available at that time. I " may '' qualify for two payments to be added to the end of my loan agreement. 

Today I received a notification that Capital One reported a delinquency on my credit report as of XX/XX/XXXX! This will now remain on my credit report for 7 YEARS! And all due to the coronavirus lockdown. I am now on week five of brining in zero income and still awaiting unemployment and SBA small business disaster relief, like millions of other self-employed individuals. 

I was told on the XXXX when I called that Capital One based on what I was told, my understanding was that delinquencies would not be reported delinquencies nor would any repossessions initiated during the lockdown. 

On XX/XX/XXXX, I contacted Captila One again. I spoke with Agents XXXX, XXXX and then XXXX  with the office of the president. XXXX informed me that she would be escilating my case higher up to see what could be done about the report to my credit. She stated that it is the LAW, even during the coronavirus, to report deliquencies. 

Those of us who are self-employed - or have lost their income through this virus and lockdown - and are 30 days late on payments are being punished for the next seven years due to something completely out of our control! It is unconscionable that during such a crisis that we have to fight with lenders when literally millions of Americans are without an income for the foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy 's did a hard credit pull on my credit report without my permission. I have not done business with them in years and my account has been closed for years. They were not authorized.

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 2020-04-13 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: DE

Complaint narrative:
today, XX/XX/20 I tried to get pre-approved for a mortgage through my credit union. I was told I was unable to get aproved and that my Equifax credit report was much less that I anticipated. I called Equifax, after placing a dispute and waited on hold for nearly an hour before getting hung up. I called back, waitied another 70 minutes and finally got through to soneone who had no clue how to help me. I asked to speak to a supervisor, who i was placed on the phone with. Agian, after asking some questions he hung up on me as well. It's crazy to believe these representives, who barely speak english and have limited ways to help are the solution to trying to get help and ultimately a mortgage.

Company response to consumer: Closed with explanation