vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 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: GA

Complaint narrative:
Collection Item from XXXX XXXX under XXXX XXXX for {$4200.00} placed on my credit dated XX/XX/2019 that does not belong to me and no correspondence was sent to me to inform me of this prior to damaging my credit with this incorrect information. I have disputed it with the bureau and the collector and the collector has not responded and can not verify the information.

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 2019-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP
State: CA

Complaint narrative:
Re : XXXX Credit card number : XXXX XXXX XXXX XXXX Credit Card Holder : XXXX XXXX Based on the Fair Debt Billing Act ( FCDB ) I disputed unauthorized charges totaling {$9700.00} on my credit card account number referenced above. I requested that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. These credit card charges took place in a period of five days ( XX/XX/XXXX-XX/XX/2018 ). Upon discovering these charges, I immediately reported them to XXXX and my account was closed. These charges were done online and XXXX is not able to provide proof of debt. Instead, they just provide the billing statement as proof of debt. I've written to XXXX twice, regarding my dispute of these charges. The written disputes were sent on XX/XX/2018 and XX/XX/2018 to : XXXX XXXX Customer Service Attention : Fraud Department/disputed chargesXXXX XXXX XXXX XXXX, SD XXXX. To this date, my account has been sent to collections and my credit reporting has been impacted. 
I am in desperate need of your help. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
myself and my lawyer was told a pay off amount on my mortgage. That amount was paid well in the time allowed check was received by them XX/XX/XXXX. But then we was told that there was more fees added to send more money. The lawyer had sent out a second check that was received by them XX/XX/XXXX with in the 3 day they had returned the first check instead of holing it or applying it to the loan. Then returned the second check. Then it took myself and my lawyer over too weeks to get a new pay off number from them. Within this time they had reported to my credit report a 30 day late which greatly affected my score and is stopping the my from buying my next house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX place made me a Loan in XX/XX/XXXX the payments were set up to be deducted automatically with my permission by XXXX. The money was always available but in XXXX the company reported we were delinquent and continue to report 60 to 90 delinquencies we questioned this with the company and in XXXX we learned XXXX was not licensed to do business in Alabama from your Attorney Generals Office. 
This incorrect and negative reporting continues to impact my credit reports During the initial complaint Alabamas Attorney General was not able to contact XXXX all correspondence were returned undeliverable. 
If XXXX was taking out the payments how could they be delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting incorrectly that I am ( 180 ) days late on the ATTORNEY GENERALXXXX account number XXXX. ( Please see page attached from my credit report. ) My XXXX XXXX obligations have been met and I have attached a copy of the Release from the XXXX XXXX XXXX XXXX XXXX dated XX/XX/2018. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX by phone I tried to redeem points to pay {$1000.00} on my Am Ex account. I gave them my credit card no. and 4-digit security code on front of card -- the agent wanted a 3-digit code from the back ; not there. 
He refused my points. I asked if he'd check my b/d, soc. sec. no., mom 's maiden name, my high school, college and XXXX   school dates of grad. He said they have no means of i.d . and refused to accept my points and would not check upon my i.d . Perhaps you can help me. 
Am Ex accepted my points a few years ago when I flew to Europe. They never asked for a second security code no. on the back of the card. my phone XXXX Md XXXX since XXXX -- still active. I'll supply any info you request. Many thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2019-11-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is attempting to collect XXXX for a cable box that I already paid XXXX XXXXXXXX for and I also returned the box. XXXX assured me that they pulled this from XXXX XXXX and no other collection attempts and it would be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is attempting to collect XXXX for a cable box that I already paid XXXX XXXX for and I also returned the box. XXXX  assured me that they pulled this from XXXX XXXX and no other collection attempts and it would be removed from my credit.

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 2019-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I have sent a letter to stop calls and communicate through mail. But everyday I get 2 to 3 calls an hour and if its sent to voicemail they hang up and call right back. They never leave voicemail messages and they alway call from random numbers thats not related to the company or unknown number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: OH

Complaint narrative:
Sallie Mae is constantly calling, multiple times a day. When I tell them Im in a debt modification program and try to provide them with a number to call, they refuse to take the number. Ive asked them to send everything in writting and they refuse telling me that I have to pay and they abuse me verbally over not being able to pay. Im sick and the stres makes the injury worse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: ERC
State: TX

Complaint narrative:
Enhanced Recovery Company is attempting to collect XXXX for a cable box that I already paid XXXX XXXX for and I also returned the box. XXXX assured me that they pulled this from Enhanced Recovery and no other collection attempts and it would be removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
In XX/XX/2010 I received a XXXX XXXX reward to pay for 60 % of my student loan debt in exchange for 2 years working w/ a XXXX XXXX XXXX. I completed my 2 years and applied for the 3rd year amendment which was an additional 25 % of the total debt for a total of 85 % to repay my student loans. XXXX rounded up to a starting balance of {$230000.00}. I received my reward money ( taxed income ) and paid SallieMae/Navient faithfully every month for 36 months to a tune of {$130000.00}. That should have erased my debt by that amount, but to date, the overall balance of both my federal and private loans is a little over {$220000.00} ... so after paying {$130000.00} in 3 years, my balance only reflects a {$9000.00} reduction in the overall debt. I've called to discuss this discrepancy and have not received a satisfactory answer. I feel that the government funds for which I was also taxed on, were misappropriated, thus leaving me w/ still higher payments. Please any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: MD

Complaint narrative:
XX/XX/2019 I was notified by my XXXX XXXX XXXX XXXX, that EQUIFAX was reporting my Credit Score 100 points less ( XXXX ) than the Other Credit Reporting Services XXXX  ( XXXX ) " I have NO Derogatory ... I contacted EQUIFAX via Chat, Individual just kept repeating her self not addressing the issue. Then after a half hour wait spoke with XXXX ( XXXX ) ( Supervisor ) who repeatedly stated that the score from Equifax 's Website was NOT their score ( even though their site provided and my Credit Union had roughly the same score ). This 100 point difference without a valid explanation, cost my family thousands of dollars in Interest being paid on debt. This is unacceptable, AND needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: TX

Complaint narrative:
Transunion is reporting several unauthorized inquires on 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 explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for CityBank master card and was denied. The letter says that my application was denied based on XXXX credit report, which include 3 reasons : 1. filed bankruptcy 2. previous or existing accounts have history of late payments 3. Credit privileges on my existing accounts are restricted. 

According to my XXXX  report none of this information is correct and none of this is on my credit report. No bankruptcy, no accounts in City Bank. 

I called CityBank on XX/XX/XXXX to inquire about this erroneous information and talked to the rep from Application Department. She told me that even though this information is not on my Experian report, the City Bank used its own records from XXXX ( 20 years ago ) when I filed for bankruptcy in addition to my score in decision process. I wonder if The bank has a right to keep this kind of information on clients and if it can use it against clients after 20 years. 

My application ID XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I deposited two checks into my Wells Fargo checking account on XX/XX/2019. It is now 7 days later and the funds are not yet available in my account. One of the checks was certified and drawn from XXXX. I contacted the branch manager at Wells Fargo and spoke with XXXX XXXX XXXX. She told me the funds are available at Wells Fargo however, that she will not be releasing the funds into my account. I then spoke with XXXX XXXX, the district manager. XXXX said he has no idea where the funds are at this time and also, that the funds may be rescinded by the issuer of the checks, despite the fact that one of the checks was certified. I am deeply concerned as I am now confused and terrified by what these managers at Wells Fargo are telling me and would like to know where the funds are, at this time, and when I may expect to receive these funds in 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 explanation
Consumer complaint received 2019-11-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting several unauthorized inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
This complaint is not about my ability to pay. Rather, I believe this credit card, a TCF Bank Visa issued by First Bankcard of Omaha, is intentionally misleading cardholders through the Minimum Payment Due language. 

The stated Minimum Payment Due amount is always higher than the payment shown in the Minimum Payment Warning chart that shows how much time it will take to pay off the balance if paying the minimum payment as opposed to making a payment of another amount. 

So, for example, the Minimum Payment Due amount on my latest statement is {$74.00}. According to the Minimum Payment Warning chart, if I make only the minimum payment ( and make no additional charges, ) I will pay off the balance in " about ... '' 5 years. However, If I make no additional charges and want to pay off the balance in 3 years, the amount I am advised to pay is {$62.00}. 

One can not make a lower payment and pay the balance off in less time, obviously. I believe this misleading and incorrect information has been provided intentionally to manipulate people into making less than the minimum payment. I have spoken to the company about this and never got past " Oh, I see! That IS strange. I'll take this right to my supervisor! '' This practice has gone unchanged since the very first statement I received from the company back in XX/XX/2017.

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 2019-11-20 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: CA

Complaint narrative:
I disputed items on my credit report with Transunion and XXXX  and they sent a response stating that they investigated my dispute however they failed to provide me documentation showing that they did an investigation. they stated that they asked the furnisher of information and they confirm or stated that the debt belong to me.

I then requested that they send me the Method of Verification and i only received another letter stating that they verified what i was disputing. they keep sending these generic letter and not doing what the law requires.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify- though the physical verification of the orginal signed consumer contract - any al all accounts they post on a credit file. otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

Accounts from Transunion that I want method of verification done and written verification in the way of a contract are : 1 ) XXXX  XXXX account # XXXX 2 ) XXXX  XXXX account # XXXX 3 ) XXXX XXXX XXXX account XXXX XXXX Accounts from XXXX  that I want method of verification done and written verification per Section 609 ( a ) ( 1 ) ( A ) and written verification in the way of a contract are : 1 ) XXXX   XXXX account # XXXX 2 ) XXXX XXXX account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Re : Citibank Credit card number : XXXX XXXX XXXX XXXX Credit Card Holder : XXXX XXXX Based on the Fair Debt Billing Act ( FCDB ) I disputed unauthorized charges totaling {$9700.00} on my credit card account number referenced above. I requested that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. These credit card charges took place in a period of five days ( XXXX XXXX XXXX, 2018 ). Upon discovering these charges, I immediately reported them to Citibank and my account was closed. These charges were done online and Citibank is not able to provide proof of debt. Instead, they just provide the billing statement as proof of debt. I've written to Citibank twice, regarding my dispute of these charges. The written disputes were sent on XX/XX/2018 and XX/XX/2018 to : Citibank Citibank Customer Service Attention : Fraud Department/disputed chargesXXXX XXXXXXXX XXXX XXXX, SD XXXX. To this date, my account has been sent to collections and my credit reporting has been impacted. 
I am in desperate need of your help. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting several unauthorized inquires on 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 explanation
Consumer complaint received 2019-11-20 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: TX

Complaint narrative:
I would like the credit bureau to correct my XXXX XXXX XXXX XXXX balance. My correct balance is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Credit Card is Refusing to increase my credit limit they continue to issue denial letters over and over stating that I have too many Inquiries or that the payments are not enough which is a lie. If you view below I have made this year XXXX in payments which averages out to XXXX per month.

Company response to consumer: Closed with explanation