vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My File number is XXXX To whom this may concern, Trying to read all my credit reports and scores from the credit reports. XXXX, XXXX And Equitax. The page kept saying inactive status and needs to close. Not the word for word on how error was given. Time out. I didn't even get a chance to go over everything in all 3 Reporters plus the Annual credit report. 
Not given the chance to dispute all the Incorrect information I did see. Many investigations on existing very old problems nurmgouse dates already done. Imporoper use of my reports shared without my consent. Credit inquiries from unknown sources more than once without my permission. Many unknown collectors I haven't a clue what they are. Wrong addresses and phone numbers in my credit reports as well as places of employment I have never worked for. Many Consumer reporting agencies reported outdated negative information as well. 
It's a wonderful anyone would give me credit! Very disappointed and extremely upset my credit reports of what I did see was a complete mess! 
I do have a right to read all of it and try and fix it as much as possible and get it more presentable for when my report is looked at that perhaps I got a better chance without someone else 's stuff on it. 
Inaccurate information put on my credit report as done has cost me a lot more than realized. These reporting agencies are crazy mad it seems Please if someone could possibly get back to me ASAP it  would be so appreciated. 
Thanks so much! 
I will be writing/calling XXXX Consumer Relations regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have submitted copies of Lien Release on my 2nd mortgage via. usps mail, fax and website uploads. There is no justification for such a low credit score at this time. Transunion continues to re-open or open another dispute before they solve the original dispute. Each time they open a new dispute, they take several weeks to review, then automatically disprove the request, even though I have provided the lien release via. usps mail, fax and uploads. 
I am aware that short sales may stay on your credit from 7 to 10 years. However, I have learned that the impact of short sale on your credit should be much less after 4 years. Since I received a lien release on my 2nd mortgage inXX/XX/XXXX, that released any connection to my first mortgage. 
Regardless of when I sold my home, there is no connection between the 1st and 2nd mortgage after I received the lien release on my 2nd mortgage. XXXX XXXX XXXX should not drag my credit down to less than XXXX. In addition, XXXX XXXX XXXX account was closed in XX/XX/XXXX and should not be reported 30 days late since the account is closed with no derogatory late payments. 
I have submitted formal complaints to XXXX XXXX XXXX and XXXX XXXX servicing. They confirmed the issue with incorrect credit reporting is with TransUnion and XXXX. My credit score should be well above the XXXX mark at this time.

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 2018-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX, 2 separate charges of {$10000.00} each for a deposit on a {>= $1,000,000} mentorship program were put on my Capital One Credit Card. Due to the policies of Capital One the deposit of {$20000.00} were broken up in 2 payments of {$10000.00} each. The original mentorship program was designed for a 2 week training with the owner of the company. After committing to the program the owner changed the contract to a 5 day training program for a total of 6 session with a 3 month period in between each session. This would put the program an 18 month schedule and out to XX/XX/XXXX with an option of one additional session if I had to miss a scheduled session. XX/XX/XXXX, the FTC shut down the company and froze all bank accounts. As a result, not only was I  able to finish the program but not able to get a refund on my investment. In XX/XX/XXXX, I began working with Capital One to get reimbursed for the charges on my cc. I was given a credit along with the interest that had accrued. On XX/XX/XXXX I filled out and returned the papers Capital One sent me including the front page of the Receiver 's Report. ( I was told it was not necessary to send the 58 page document ). On XX/XX/XXXX, I received a letter from Capital One stating they were recharging my cc. I have not been able to speak with XXXX who is handling my case as she has not returned my calls. The case # is XXXX. In my last correspondence with Capital One I included Regulation Z Federal Law of the Truth in Lending Act. I feel Capital One and XXXX are ignoring me and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: NJ

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/XXXX My complaint : Navy Federal Credit Union drafted my checking account for {$540.00} on XX/XX/XXXX for a debt in my sons charged off checking account. My son and I have a joint savings account with Navy Federal. My sons checking and savings account was charged off on XX/XX/XXXX. I called Navy Federal today to ask for my money to be returned to my checking account and why would my checking account be effected because of a debt that has nothing to do with me and the Navy federal customer service rep as well as the supervisor in the Charge Off Department repeatedly told me because I was a joint owner on the savings account which has a balance of {$0.00}, and the money was then transferred to the checking account owned by my son only, his previous balance was {$5000.00} after my checking account from drafted his balance now is XXXX. I took my son to the police station back in XXXX to file a police report about the his checking account being defrauded by someone else because he lost his ATM card, and a check was deposited into his checking account. I called them back for a second time today ( XX/XX/XXXX ) at about XXXX and they let me know we were on a recorded line and talked with the customer service rep and supervisor but this time I was told a whole different story that the debt was now in his savings accounts which I am a joint owner on, but the debt owed had been in his checking account from XX/XX/XXXX until today according to the supervisor in the Charge Off Department. All the correspondence about XXXX XXXX XXXX Navy Federal checking account came to XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX was only addressed to him not me. His savings account had and still has a balance of {$0.00} according to the customer service reps that I talked with on Saturday, XX/XX/XXXX and today at XXXX XXXX XX/XX/XXXX. The information didnt change until I started to asked them repeatedly how am I legally responsible for debt in an account that is not in my name. I didnt know this was legal for them to draft my checking account to pay a debt that is not in my name. I just want my {$540.00} put back into my checking account. If you need more information please see my contact information below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 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: CITIBANK, N.A.
State: VA

Complaint narrative:
My XXXX account was past due at the end of XX/XX/XXXX. I was able to make a payment to satisfy the debt after making an agreement with the company to remove the tradeline once the payment was made. I made the payment, but they never removed my tradeline ( bait and switch ). Also, they last reported me as late as of XX/XX/XXXX, and charged-off on XX/XX/XXXX. At that point in time, I already made my payment to satisfy the debt. XXXX needs to honor what they said they'd do.

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 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit bureaus ... XXXX, Transunion, XXXX have not updated my report to Chapter XXXX bankruptcy discharge from XX/XX/XXXX. 
I'm trying to rebuild my credit after fallen on hard times. I've been XXXX since XX/XX/XXXX from an accident and would like them to acknowledge my recent closure.

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 2018-10-22 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: IN

Complaint narrative:
I have reached out to the XXXX, XXXX, and Experian in regards to the 2 accounts showing on my report XXXX XXXX and XXXX, I have contacted them several times advising them they were fraudulently opened and unauthorized by me, I have been dealing with this issue since XX/XX/2018, I do not have a XXXX account or a XXXX account and never have, I want this issue to be resolved, I have done all the proper procedure they have asked of me and still nothing has changed. I want this to be resolved please.

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 2018-10-22 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
NFCU told me they would remove my tradeline if i made my auto loan payment in full. I was late on 2 separate occasions at the end of XX/XX/XXXX and beginning of XX/XX/XXXX. In early XX/XX/XXXX,  I payed the entire loan off. The tradeline was never removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received an alert from my Credit Monitoring Service that said I had a change. When I looked it up it was XXXX XXXX. I went online and looked at my account at XXXX XXXX credit account ( which is a credit card for XXXXXXXX XXXX XXXXXXXX Warehouses and good at Walmart also ). It showed my credit account was closed due to inactivity. I have had this account since XX/XX/2002. I called XXXX XXXX and went up the chain of command on this and I got the same response each time from 3 different people. I was told it was closed due to inactivity. ( I probably have not used it to charge anything in a year or so. ) However, I received NO notice that it would be closed. They acknowledged that they do not send out such a notice!! I find that ridiculous! I had no balance on this account and I always paid off my balance every month. My credit is very good. I am angry that I received no notice that they would do this. Their response was that it was in the terms of agreement when I opened the account ( XX/XX/2002 ). This is very poor business practice and unfair to the consumer. Closing my credit account hurts my credit score unfairly! Their response was that I could reapply for the credit account ( which would again hurt my credit score to open another account ) ... so double hit to my credit! They stated they could not reopen the account they closed.

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 2018-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I do not recognize this company which has negatively affected my credit. I want for them to show any document that I have signed and agreed to which I am responsible for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I did one transfer of {$150.00} through XXXX from my Citibank checking account to my XXXX XXXX checking account. The money left my Citibank account right away but until now I didn't receive my money on my XXXX XXXX account. I've been calling Citibank since than and they've told me twice that they would credit the money in my account but until now nothing. Simply, they disappear with my money and don't want to pay be back, it's been 3 weeks already.

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 2018-10-22 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: IN

Complaint narrative:
I have reached out to the XXXX, Equifax, and XXXX in regards to the 2 accounts showing on my report XXXX XXXX and XXXX, I have contacted them several times advising them they were fraudulently opened and unauthorized by me, I have been dealing with this issue since XX/XX/2018, I do not have a XXXX account or a XXXX account and never have, I want this issue to be resolved, I have done all the proper procedure they have asked of me and still nothing has changed. I want this to be resolved please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alpha Recovery Corp
State: FL

Complaint narrative:
I have an outstanding balance of approximately {$1000.00} XXXX. I committed to pay for it. I am currently jobless and it's hard to pay the smallest amount. I call this company to let them know and they are bashing my process. They tell me getting a debt consolidation is a bad idea. They also say I have funds that I'm not releasing. They said I didn't intent on paying the account off. They also involved my wife saying her being in the military in debt is a bad look. There's much more. The line was recorded on both ends. I felt very harrassed and so did my wife as she was there listening with me. I have never been been this disrespected by a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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:
A collection company, XXXX XXXX is showing opened account date of XX/XX/2018. This is not correct as that is the date the debt was purchased from XXXX XXXX XXXX  XXXX XXXX. Additionally the amount is incorrect. I have requested this be corrected but it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
After reviewing my credit report, this company has reported to all credit bureaus that this account has been charged off as bad debt. Before any erroneous reporting was done, I had a payment plan established ; pay balance in full before XX/XX/2018, and everything will remain in good status. I paid this account in full, and also verified with the company. They never added my payments towards balance owed, and this was paid in full way before XX/XX/2018. I sent multiple letters to the credit bureaus requesting that the credit agency send me information on how this account was verified ( which they said was ). Nothing was sent to me and this is still on my credit report. They have not complied with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have submitted copies of Lien Release on my 2nd mortgage via. usps mail, fax and website uploads. There is no justification for such a low credit score at this time. XXXX  continues to re-open or open another dispute before they solve the original dispute. Each time they open a new dispute, they take several weeks to review, then automatically disprove the request, even though I have provided the lien release via. usps mail, fax and uploads. 
I am aware that short sales may stay on your credit from 7 to 10 years. However, I have learned that the impact of short sale on your credit should be much less after 4 years. Since I received a lien release on my 2nd mortgage in XX/XX/XXXX, that released any connection to my first mortgage. 
Regardless of when I sold my home, there is no connection between the 1st and 2nd mortgage after I received the lien release on my 2nd mortgage. XXXX XXXX XXXX should not drag my credit down to less than XXXX. In addition, XXXXXXXX XXXX XXXX account was closed in XX/XX/XXXX and should not be reported 30 days late since the account is closed with no derogatory late payments. 
I have submitted formal complaints to XXXX XXXX XXXX and XXXX XXXX XXXX. They confirmed the issue with incorrect credit reporting is with XXXX   and Experian. My credit score should be well above the XXXX mark at this time.

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 2018-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY FINANCE CORP
State: NV

Complaint narrative:
This company has repeatedly called and harassed my phone for almost a year for a debt that I do not owe I have asked them several times to not contact me and to send any information they have to the address they have on file and I have yet to receive any information or any notification of debt to verify this is correctly mine. They have threatened me over the phone and repeatedly posted hard inquiry month after month for a year on my credit report eventually I had to contact my cell phone provider and block all four of the numbers they were calling me from.

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 2018-10-22 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: MO

Complaint narrative:
After disputing account # XXXX, Equifax stated the account was verified as belongs to me. I have requested validation of debt from Equifax and I have yet to receive the documents. Ive contacted the collection agency responsible for reporting the debt and they sent me a generic printout of an account activity. There is a collection that is reporting to my Equifax report that has not been properly investigated. I have not received sufficient validation of debt from both parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: Ocwen Financial Corporation
State: NE

Complaint narrative:
I filed a complaint with the CFPB, in XX/XX/XXXX when I discovered an error in reporting by Ocwen Loan Servicing. Ocwen responded with a letter stating they would correct the reporting with all 4 major credit report companies, ( see attached ). I've been getting turned down for credit cards, so I requested a copy of my credit report from XXXX. 
The first item on the report is the payment history from Ocwen. It still shows late payments for XXXX - XX/XX/XXXX and a 150 day late payment in XX/XX/XXXX. I just reviewed my complaints to the CFPB, and it shows that I did file a complaint and that Ocwen responded with a letter dated XX/XX/XXXX. Letter states that they would get it corrected. 
Obviously, Ocwen is a disaster! Please penalize them, and require them to get this corrected on all credit reporting sites.

Company response to consumer: Closed with explanation