vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX needs to be removed from my credit report. I don't owe anything to this company or to XXXX XXXX XXXX All of my rent have been paid in full. If this is not removed within 30 days, I intend to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Business Bureau
State: TX

Complaint narrative:
I received an initial demand letter from the agency in XX/XX/XXXX at which point I contacted their office and was notified it was for a bill from XX/XX/XXXX. I explained that I had visited the medical office over 20 times in XX/XX/XXXX and asked how come I never received notification of any debt owed? The representative stated that she would contact the creditor and would provide docs as they were having the same issues with the hospital from many debtors they were speaking with. Two weeks later I received another letter stating they had verified with the hospital that the debt was valid and that I owed the amount. I called their office and spoke with a Collection Manager named XXXX and asked why I was receiving calls and letters since I requested validation of the debt. He stated it was never notated on the file that I wanted validation of debt and that the request would have to be made in writing and that now I had a second account in their office and both would be reported on my credit bureau on XX/XX/XXXX. This is a contradiction to the letter as it had stated that the client has notified their office the debt was valid. I sent a certified cease and desist with a request for validation that their office signed for on XX/XX/XXXX and on XX/XX/XXXX the collection agent called and left a message on my cell phone. I called them back and requested to speak with their CEO or Compliance Officer but no one has called. I received another letter in XX/XX/XXXXstating the same that they have checked with their client and both debts are valid. The collection agency has falied to provide docs or return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have file number of dispute that the account from SYNCB/XXXX XXXX I did not open this account this was open by my ex wife or someone else ... Yet again, thay have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. please note : As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am seeking ( {$3000.00} ) in damages for : ( choose which laws toinclude depending on whether or not they provided you with evidence or failed to mark as disputed ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) Violation of ( insert corresponding state laws here if desired )

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 2018-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
XXXX  XXXX receives automatic monthly payments from XXXX for a mortgage. Ditech changed payment amount without proper notice. After receiving a monthly payment of {$3700.00} on XX/XX/2018, they still assessed a late payment of {$61.00} despite of the due date being XX/XX/2018. 

Ditech received and cashed the payment 2 days early and assessed a late fee. 

Ditech is to adjust the bill and remove the late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'M WRITING IN REGARDS TO REOPENING MY CAPITAL ONE SECURED CREDIT CARD. I WOULD LIKE TO OPEN MY ACCOUNT.. IM NOT ASKING FOR AN INCREASE BUT IM ASKING TO HELP BUILD MY CREDIT.. THIS CARD HELPED OUT AND IM NT HAPPY ABOUT BEING CLOSED WITHOUT MY CONSENT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have repeatedly requested validation of a debt that is being reported on my credit report by XXXX XXXX XXXX. They have only sent print outs of statements that dont even have my full name or signature on them. They state XXXX is the creditor but they dont provide copies of ANY contracts : a contract with my signature on it with either party, and no contract that shows XXXX XXXX owns this debt and they have authority to collect anything. They stated they have fulfilled my verification request. Per the FTC, print outs of statements are not validation of a debt and do not stand up in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: TX

Complaint narrative:
I received an initial demand letter from State Collection Service dated XX/XX/2018. My husband contacted their agency the following week and spoke with a XXXX XXXX ( legal supervisor ). He asked if their agency was aware that the debt was disputed in the last 20 days with the previous agency she stated no and they were not made aware by either the previous collection agency or their client ( XXXX XXXX ). After discussing the account with XXXX XXXX for over 10 minutes my husband asked if she knew who she was speaking with and she stated XXXX. My husband explained to her that he was not XXXX and she continued to address my husband as XXXX four other instances. When asked if she was aware that she had violated third party disclosure laws by not verifying who she was speaking with, XXXX XXXX responded by saying she did and then stated that the agent who transferred the call told her that she had done it. My husband explained that no one asked who they were speaking with at any point and that she had released personal information relating to the debt and asked to be transferred to her manager. XXXX XXXX stated that would be XXXX XXXX but he would not take or return the call as we claimed there was an FDCPA violation. We requested that she go back to the call and review it for quality control to verify that she did violate third party laws but she stated their agency does not record any conversations. This is the second agency we have requested validation of debt from only to have no one return our calls or provide any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Calling via robocall, which I never approved or authorized and calling during hours they aren't allowed to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08 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: TN

Complaint narrative:
Transunion has refused to remove a deletion or derogatory information requested from a creditor on my behalf. This issue is with an account related to XXXX  XXXX. I contacted XXXX  XXXX and they explained to me that this item was sent for deletion earlier this year back in XXXX. They collection agency also explained to me that it was reported to all three credit bureaus. Transunion denies ever receiving a notice of deletion from XXXX. I went and check my report with the other two credit bureaus and this account was deleted from the others. I requested a letter from XXXX  XXXX to send Transunion and this letter has been faxed to Transunion on 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 2018-07-08 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: AZ

Complaint narrative:
On XX/XX/2018, my credit score with XXXX and Experian was XXXX, I am not sure what XXXX was, but it was running close. During that time period, XXXX XXXX offered me a credit card for a $ XXXX limit and I thought that would be a good card to have and I was approved. Shortly after I started getting calls for a mortgage loan which I was planning to do anyway because I have been working on buying a home for the past year. 

Maybe I misunderstood, but I was under the impression while looking for a mortgage loan it wouldn't affect my score. I guess I was wrong because my score is now down to XXXX and only went down after 3 attempts of talking to loan companies and giving them the right to check my credit. I have good credit and I have worked very hard getting it but it seems like all three credit bureaus refuse to allow me to keep it. There are inquiries I don't recognize as well and all are considered hard inquiries. I lost XXXX points for inquiries? Why? When I am trying to make my life easier and better, it makes no sense at all and I am very upset with this dictatorship of my personal life.

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 2018-07-08 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: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was involved in an Inquiry Issue with XXXX and the Inquiries don't belong 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 2018-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion is again refusing to update my XXXX XXXX XXXX Credit card statement account monthly as it it is reported by the creditor. Transunion has not updated this account since 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 2018-07-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Institution Information XXXX XXXX, FL XXXX ( XXXX ) XXXX Hard inquiry shows on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian allowed a paid charged off creditor to add derogatory information to my credit file that was incorrect. When Experian added this incorrect derogatory information to my file my FICO score to drop 21 points. XXXX XXXXXXXX XXXX. Instead of updated my account with a XXXX   balance XXXX put the same derogatory back on my file. Once I made a dispute to remove personal consumer comments from my Experian credit file this decreased my credit Fico score.

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 2018-07-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Nothing they. never wrote back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: CA

Complaint narrative:
This CFPB complaint is regarding XXXX, XXXX XXXX XXXX XXXX account no.XXXX that appears on my Experian and XXXX   XXXX files. VERY RECENTLY, EXPERIAN VERIFIED the account on XX/XX/XXXX AND XXXX VERIFIED on XX/XX/XXXX.I have included with the evidence attached here a 3rd party report showing those dates OF STATUS UPDATE.I have included XXXX XXXX XXXX CFPB RESPONSE OF XXXX XXXX where they admit to 40 previous verifications of disputes with Experian and XXXX  ( XXXX ) .XXXX  DELETED THIS ACCOUNT LONG AGO WITH THE SAME EVIDENCE PRESENTED HERE. 
THE DISPUTE IS SIMPLE ... .THE FCRA DOES NOT ALLOW RE-AGED ACCOUNTS. 
XXXX XXXX VERIFIES XX/XX/XXXX AS DOFD.ACCORDING TO FCRA DEFINITION OF DOFD, THE DOFD WAS XXXX XXXXTHE EVIDENCE HERE INCLUDING A 3 DAY NOTICE, A CERTIFIED COURT DOCKET, THE JUDGMENT OF XX/XX/XXXX, THE PREPONDERANCE OF EVIDENCE SHOW COLLECTION EFFORTS ON THE DEBT ( RENT ) AS EARLY AS XX/XX/XXXX. 
THIS EVIDENCE IS SUFFICIENT TO WIN A SUIT AGAINST THE CREDIT BUREAUS AND XXXX XXXX FOR THE " 40 VERIFICATIONS '' THAT WERE INACCURATE WRONGFUL AND CARRY STATUTORY DAMAGES. 
THE CFPB HAS AMPLE EVIDENCE HERE TO PROSECUTE EXPERIAN AND XXXX  FOR ALLOWING THEIR PAYING SUBSCRIBER TO VIOLATE THE FCRA WITH IMPUNITY TO THIS POINT.

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 2018-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I called the company to do an investigation regarding ( Late Payments ) that were made. They were sent proof in the form of bank Statements and Letters from the bank. 


XXXX XXXX XXXX and XXXX XXXX are Inquiries that were not authorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I WAS RECENTLY INFORMED VIA A BACKGROUND CHECK THAT THERE WERE MULTIPLE COLLECTION ACCOUNTS AND INQUIRES THAT WERE FILED WITH CHEXSYSTEMS IN MY NAME. I DID NOT AUTHORIZE ANYONE TO OPEN UP ANY ACCOUNTS IN MY NAME NOR DID I AUTHORIZE ANYONE TO WRITE CHECKS IN MY NAME. I HAVE BEEN THE VICTIM OF IDENTITY THEFT FRAUD SINCE 1986. I HAVE DISPUTED THIS WITH CHEXSYSTEMS ON THREE SEPARATE OCCASIONS, BUT THE FRAUDULENT INFORMATION IS STILL BEING REPORTED BY THEM. 

THERE ARE MULTIPLE ERRONEOUS NAMES, ADDRESSES AND DATE OF BIRTHS THAT ARE CURRENTLY BEING ASSOSICATED WITH MY REAL NAME AND SOCIAL. THERE ARE ALSO MULTIPLE INQUIRES THAT WERE NOT INITIATED BY ME NOR I AUTHORIZE ANYONE TO DO SO. 

***FRAUD NAMES : XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXXXXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX ***FRAUD ADDRESSES : XXXX XXXX XXXX XXXX IL , XXXX XXXX XXXX XXXXXXXX IL , XXXX XXXX XXXX XXXX IL , XXXX XXXX XXXX XXXX GA , XXXX XXXX XXXX XXXX GA , XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL , XXXX XXXX XXXX XXXX IL

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 2018-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was trying to link my Capital One account to my Chime account in order to transfer money and received this message : Capital One is blocking you from enabling external applications File a complaint with the CFPB The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly. 
You can alert Capital One that you need access to your financial data by filing a complaint with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: Mortgage Research Center, LLC
State: LA

Complaint narrative:
I called the company to do an investigation regarding ( Late Payments ) that were made. They were sent proof in the form of bank Statements and Letters from the bank. 


XXXX XXXX XXXX and XXXX XXXX are Inquiries that 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 2018-07-09 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: AES/PHEAA
State: LA

Complaint narrative:
I spoke to a representative that informed me on how to have my account put into deferment status. She walked me through the steps and told me that it was completed. Months later I received an email stating that my account was pass due, I then called into to the company again and spoke with another representative that reviewed all of the notes and informed me that all of the late payments would be removed due to their mistake but its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have a PayPal Cashback MasterCard credit card issued by XXXX XXXX. 
On XX/XX/2018, I tried to use my card for an online purchase costing {$0.00}. 
During checkout, MasterCard SecureCode failed to send the One-Time Passcode ( OTP ) to the email address I provided for the  transaction. 
Since it failed to send the OTP thrice, I had to cancel the transaction and use another credit card for the purchase. 

When I called XXXX XXXX Customer Service, they said I should call MasterCard Customer Service since MasterCard ( not XXXX XXXX ) failed to send the OTP. 
When I called MasterCard Customer Service, they said XXXX XXXX does not participate in the MasterCard SecureCode program.

In other words, they said I could not use the XXXX XXXX credit card for online purchases which required an OTP from MasterCard
SecureCode. 

So, I called XXXX XXXX Customer Service a second time for help with the issue. 
During the second call, the Customer Service representative : 1. first successfully verified the details I provided to prove my identity ( first & last name, last 4 digits of SSN, phone # on file, mother 's maiden  name, etc. ). 
2. then : a. refused to send a verification code by text message to the phone # on file. 
b. refused to send a verification code by text message to the phone # I was calling from. 
c. refused to send a verification code by email to the email address on file. 
d. mentioned he could send a verification code by postal mail but did not confirm if he sent it. 
3. transferred my call to a woman who said my account was blocked and would remain blocked until I proved my identity by : a. uploading a 5-second video of my face and the front and back photo of my Driver 's License at a verification web site. 

When I explained to her I had called to seek help with a failed transaction, she curtly said since I was talking to her over the phone there was no proof I was the account holder of the credit card! 
All this for a transaction involving {$0.00}!

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