vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have filled a dispute with cfpd on this several months ago. After all this time the items in question were still not removed. I finally got through to speak to a human at XXXX  and finally they removed 99 plus items not belonging to me. All if which I have been disputing for a very long time and were terribly overlooked on their part. 
My report showed a second SSI number a wife that I never had, that didn't even have the same last name that had a delinquent XXXX  account on my report that prevented me from obtaining a loan from them myself 3 years ago. Also on this phone call i found out that another collection account of almost {$500.00} was her actual husbands account not mine. Boat loads of names addresses phone numbers a wife multiple SSI numbers have been removed from XXXX. still a few remain. but even after all of this I only received a slight increase in my fico. This is ridiculous and I need this fixed. Also I should be rewarded with compensation for heavy damage to my credit embarrassing rejections the perception of having a wife when I was never married. I am retired and lving on a small pension and ssdi. I need credit to survive. Also after removed several delinquent and negative items since my initial complaint with CFPD my scores with XXXX  and transunion have dropped ridiculously and I feel this is a direct and intentional retaliation for filing that initial complaint And thet should be held accountable.

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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have filled a dispute with cfpd on this several months ago. After all this time the items in question were still not removed. I finally got through to speak to a human at XXXX  and finally they removed 99 plus items not belonging to me. All if which I have been disputing for a very long time and were terribly overlooked on their part. 
My report showed a second SSI number a wife that I never had, that didn't even have the same last name that had a delinquent XXXX  account on my report that prevented me from obtaining a loan from them myself 3 years ago. Also on this phone call i found out that another collection account of almost {$500.00} was her actual husbands account not mine. Boat loads of names addresses phone numbers a wife multiple SSI numbers have been removed from XXXX. still a few remain. but even after all of this I only received a slight increase in my fico. This is ridiculous and I need this fixed. Also I should be rewarded with compensation for heavy damage to my credit embarrassing rejections the perception of having a wife when I was never married. I am retired and lving on a small pension and ssdi. I need credit to survive. Also after removed several delinquent and negative items since my initial complaint with CFPD my scores with Equifax and XXXX   have dropped ridiculously and I feel this is a direct and intentional retaliation for filing that initial complaint And thet should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Collection Bureau of Fort Walton Beach, Inc
State: AR

Complaint narrative:
Collection Bureau of Ft. Walton Beach XXXX FL XXXX Inc. continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX XXXX XXXX XXXX. 
The entry on my reports reflect that Credit Bureau of Ft. Walton Beach reported this entry in XXXX and XX/XX/XXXX on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. 

The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate. Why does XXXX   reflect payment history in XXXX and XXXX, yet on XXXX, they do not report any payment history. Too, the Affordable Care Act provides that companies must allow six months to past prior to reporting any alleged medical entry to consumers ' credit report. This company violated this as well. Their reporting again began in XX/XX/XXXX and the date opened reflects XXXX and XXXX XXXX this is only a mere 2-3 months. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. 

My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Collection Bureau of Ft. Walton Beach, FL. To that end, in XX/XX/XXXX ( see attached letter ), I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute ( see attached ). 
To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had 60 days to respond to me, yet they have not. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that Collection Bureau of Ft. Walton Beach, Fl has no intent to honor nor respond to my previous dispute ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt, this entry must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: NY

Complaint narrative:
IVE SENT SEVERAL RESPONSES FOR YOU TO HELP ME. YOU KEEP UPDATING AS DUPLICATE THIS IS UNFAIR. I CANT GET HELP XXXX IS NOT REPONDING TO ANY REPONSES FROM ME. THIS IS NOT MY CAR IM REALLY STRESSED I NEED THISFROM MY CREDIT I FILED FTC AND NO ONE IS HELPING ME I NEED TO DISPUTE THIS CAR

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 2020-03-06 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: NY

Complaint narrative:
IVE SENT SEVERAL RESPONSES FOR YOU TO HELP ME. YOU KEEP UPDATING AS DUPLICATE THIS IS UNFAIR. I CANT GET HELP XXXX IS NOT REPONDING TO ANY REPONSES FROM ME. THIS IS NOT MY CAR IM REALLY STRESSED I NEED THISFROM MY CREDIT I FILED FTC AND NO ONE IS HELPING ME I NEED TO DISPUTE THIS CAR

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: NY

Complaint narrative:
IVE SENT SEVERAL RESPONSES FOR YOU TO HELP ME. YOU KEEP UPDATING AS DUPLICATE THIS IS UNFAIR. I CANT GET HELP XXXX IS NOT REPONDING TO ANY REPONSES FROM ME. THIS IS NOT MY CAR IM REALLY STRESSED I NEED THISFROM MY CREDIT I FILED FTC AND NO ONE IS HELPING ME I NEED TO DISPUTE THIS CAR

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 2020-03-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a pair of CDs issued by XXXX XXXX XXXX, XXXX. - Pennsylvania in XXXX and both reach maturity in XXXX with a combined value of {$6400.00}. 

https : XXXX shows the acquisition of XXXX XXXX XXXX  XXXX XXXX. ending with Well Fargo Bank. 

Wells Fargo had me speak to at least six representatives in succession resulting in a case ID & case manager to find these CDs in their database. It took asking for a manager in all conversations that led up to a case being assigned. 

The Wells Fargo contact that handled the case only communicates by phone or by fax. No Email! 

After providing an image of the CDs and speaking with the rep at Wells Fargo I was told they reached a dead end. 

Worth noting, these CDs were purchased by my father and have been in an envelope from XXXX XXXX XXXX, XXXX. since the day they were purcahsed. This envelope is bank stationary from XXXX XXXX XXXX, XXXX. - Pennsylvania at XXXX XXXX XXXX XXXX, XXXX, PA - - - and Wells Fargo Currently operates a branch at this same address. 

My brother and I a equal co-executors for my parents estate and can provide death certificates as well as a State/County " short form '' proving their in no dispute of our parents will. We can provide additional documentation as required.

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 2020-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was contacted by a company that would not give their name and threatened me with being served and gave an attorney in Texas whom I contacted and had no record of any of it. I reached back out to the number provided and spoke with an individual who would not give me his name who claimed I had an unpaid credit card for XXXX that was now XXXX from 2012. I had reported the credit card in question lost in around that time frame. I was followed up by a XXXX XXXX XXXX   claiming the same thing. The individual was XXXX XXXX at XXXX ext XXXX ref # XXXX who claimed the same at which point I again repeated that I do not recognize or acknowledge this responsibility. It all leads back to a Orchard bank. I have not received any debt validation letter nor have been given any way to contest this responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: DISCOVER BANK
State: GA

Complaint narrative:
Discover is reporting on a debt I do not know. I did not know this debt was on my credit report. I didn't receive any letters or any communication from Discover. However, as soon as I found out i immediately paid the debt. I believe this is a violation of my 30 day right to dispute. I did not get a chance to be able to dispute this debt or settle with them before it was put on my credit report for lack of communication from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
As shown by the attached most recent statements, the loan servicer XXXX Quicken loans ) indicates that my account was discharged of personal liability. However, I entered into a reaffirmation agreement with Quicken loans through my attorney in XX/XX/2019. 

The information being provided to the credit bureau does not reflect my payment history and states that my account was discharged in bankruptcy. This information is erroneous and has caused me server distress. 

When communicating with Quicken loans, after verifying the reaffirmation disposition with my attorney, Quicken loans as told me via phone the following : 1. My payments will be reported once they have the reaffirmation agreement processed in their system.

2. My reaffirmation was withdrawn by my attorney.

3. My account was discharged in bankruptcy and NO payment will be reported.

4. Talk to your attorney because they show it withdrawn.

5. They made a mistake and they now see the reaffirmation and have reported the correct information and payment history to the credit agencies. 

To date, I have gotten different responses from Quicken loans, have had erroneous data provided about the history of the account, and have not seen any attempt at resolving the matter in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A dispute was filled with credit card company ( Chase Freedom credit card ) on a purchase which was cancelled just after purchase of plants from nursery of XXXX XXXX - NJ, as the merchant was NOT able to provide the types and number of plants on XX/XX/XXXX rather asked to come and collect after TWO days that was XX/XX/XXXX, I said then and there that I was unable to come later on XX/XX/XXXX therefore the purchase must be cancelled. I also filed a dispute for the transaction with credit card company as well on XX/XX/XXXX. Now credit card company thinks it's a valid charge rather than telling the merchant based on the fact s ( already provided to them ) that no sale was made and no product was taken out of his farm and hence it's NOT a valid transaction. Credit card company be advised to take off entry for {$1000.00} from my CC statement being an invalid charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: GA

Complaint narrative:
XXXX is reporting on a debt I do not know. I did not know this debt was on my credit report. I didn't receive any letters or any communication from XXXX. However, as soon as I found out i immediately paid the debt. I believe this is a violation of my 30 day right to dispute. I did not get a chance to be able to dispute this debt or settle with them before it was put on my credit report for lack of communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: GA

Complaint narrative:
XXXX  is reporting on a debt I do not know. I did not know this debt was on my credit report. I didn't receive any letters or any communication from XXXX. However, as soon as I found out i immediately paid the debt. I believe this is a violation of my 30 day right to dispute. I did not get a chance to be able to dispute this debt or settle with them before it was put on my credit report for lack of communication from them.

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 2020-03-06 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: GA

Complaint narrative:
XXXX  is reporting on a debt I do not know. I did not know this debt was on my credit report. I didn't receive any letters or any communication from XXXX. However, as soon as I found out i immediately paid the debt. I believe this is a violation of my 30 day right to dispute. I did not get a chance to be able to dispute this debt or settle with them before it was put on my credit report for lack of communication from them.

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 2020-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a purchase through Kohls.com on XX/XX/XXXX for {$88.00}. I made purchases in the store on XX/XX/XXXX and XX/XX/XXXX for {$34.00} and {$11.00}. Apparently my due date was XX/XX/XXXX but I never received a statement notifying me I had a balance. I also did not receive an email, phone call or any other correspondence that my payment had not been made. On XX/XX/XXXX I was charged a {$27.00} late fee and on XX/XX/XXXX I was changed a $ {$38.00} late fee. It wasn't until XX/XX/XXXX that I received a notice by mail that they had not received the amount due so I called and discovered I had a balance due on XX/XX/XXXX. I explained I have several credit cards and rely on a statement to know when I have a balance and when it is due. I was told I should know it's due the 7th of each month. The representative agreed to credit the late fees and I paid the balance immediately while on the phone but the late payment information was submitted to the credit agencies. My credit record shows I always pay my bills on time when I'm aware I have a bill. My credit score went from XXXX to XXXX. I have since cancelled my Kohls credit card that I obtained in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Calling Equifax to try to dispute a transaction on XX/XX/2020 and after asking me for proof on my identity they were not able to authenticate my information. They were asking me to send copy of my Social Security and copy of my Driver Licenses by mail to the legal division of Equifax. 

I told them that no PII ( Personally identifiable information ) should be send my regular mail to provide my identity. I informed them that the mail could be intersect with my information. They insisted to send that way, I told them I will not comply and that is against any policy concerning PII. 

They well not able to help after all. 

They should not request to customer to send copy of my SS and Driver license by regular mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
As part of a promotional plan through Comenity Bank and XXXX XXXX in exchange for a low APR I was charged extra fees of which I was aware. I routinely made extra payments above and beyond my normal monthly payment and asked them to pay off different promotional balances with those payments. The company refused to allocate the payments as directed. Instead they kept the promotional accounts open as long as possible to charge more fees. They would keep a {$2.00} balance on a promotional plan and change {$2.00} in fees month after month. I paid over {$500.00} a month every month when the minimum payment was much much less and additionally I made separate individual payments to pay off these balances. I utilized their own " secure message center '' and phone calls to dictate how payments were applied, as they requested I do. The directions were ignored. I called repeatedly to rectify this problem. After one of the phone calls the messages on their " secure message center '' that I had sent with my payment directions all vanished. Luckily I have copies. When they refused I asked for a payoff amount. I promptly paid that amount the same day and closed the account. Again I received a bill for {$15.00} more dollars in fees. I am being threatened with credit bureaus reporting for this amount in their last communication. The account was paid off 2 weeks ago and has never once been late. I have great credit, a long history of credit accounts and am a conscious consumer. I will NEVER utilize any comenity product again. I will also not be shopping at XXXX XXXX any more for their support of these predatory lenders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-06 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: GA

Complaint narrative:
I when to apply for a store card and was denied for too many delinquencies to my surprise then, checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit. 
In the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to  obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
I sold our car last year on XX/XX/19 and immediately attempted to cancel the Vehicle Service Agreement by contacting the dealer we bought the car from. every time i was directed to contact the finance department where i left countless voice mail messages. i have never heard back from them once to help me. There has been complete silence from the dealership

Company response to consumer: Closed with explanation