vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
SECURITY CREDIT SERVICES A COLLECTION COMPANY, ILLEGALLY PLACED A COLLECTION INTO ALL MY 3 CREDIT REPORTING BUREAUS DAMAGING MY CREDIT FILE. THE COLLECTION IS ( XXXX XXXX, AMOUNT {$1500.00}. 

THIS COLLECTION WAS IN MY CREDIT REPORT OVER 7 YEARS AND UNDER FEDERAL LAW WHEN THE NEGATIVE REPORTING REACHED THE 7 YEAR, IT WAS DELETED FROM ALL CREDIT BUREAUS. 

ON XXXX THE ABOVE COLLECTION COMPANY AGAIN REPORTED THIS COLLECTION AS A NEW DEBT. 

ALSO THEY VIOLATED FEDERAL STATUES FOR NOT GIVING ME THE RIGHT TO DISPUTE THE COLLECTION WITHIN 30 DAYS AS REQUIRED BY LAW, THEY JUST WENT AHEAD AND REPORTED THE COLLECTION INSTEAD AGAIN. IF THEY WOULD OF FOLLOWED THE LAW OF GIVING ME THE RIGHT TO DISPUTE THE COLLECTION, IT WOULD OF NOT BEEN REPORTED FOR THE 2ND TIME TO ALL 3 CREDIT BUREAUS DAMAGING MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX A collection notice was just placed on my credit report. 
I immediatley call the agency American Profit Recovery speak to representative XXXX XXXX He informs me that 5 collection notices were sent regular mail to XXXX XXXX XXXX XXXX I asked what the zip code was he did not know, then says '' it's the XXXX so it must be XXXX '' The notices were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX.He claims none of the notices were returned.i quesioned him on the zip code ... ..It did not correspond with the mailing address.Judging from his response I doubt the letters were sent.I did confirm my address he claimed the XXXX XXXX address was provided by the creditor XXXX XXXX XXXX. 
The manager XXXX XXXX intercedes admits there was a mailing error. Promised to remove the Collection from my credit report. I asked to have it removed immediatley because it will affect my credit ... I'm shopping for a mortgage. He says it will removed the next time they report. did not give me a dtae

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Law Office of Edwin B. Parry
State: UT

Complaint narrative:
Tried calling XXXX XXXX 's office to workout a payment arrangement and they were rude and demanded the full amount in judgement and refused to allow payments on it. XX/XX/XXXX they tried to garnish my entire check from a previous employment but we're not successful. On XX/XX/XXXX they had me summoned to court for more than the original amount owed by 3 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Financial, Inc.
State: NC

Complaint narrative:
Just Military Loans referred their debt to a collection agency who listed the debt as a collection on my credit. This date was listed in a Ch XXXX Bankruptcy prior to this. Just Military Loans was named in XXXX NC XXXX XXXX Bankruptcy and they allowed XXXX XXXX XXXX to buy account and list on my credit report. They have not removed the item after multiple attempts to remove it.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-18 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:
This complaint is regarding Violation of verification and reporting of installment account XXXX XXXX XXXX XXXX account # XXXX   date opened XX/XX/XXXX, XXXX XXXX account # XXXX  date opened XX/XX/XXXX, XXXX account # XXXX  date opened XX/XX/XXXX, XXXX XXXX XXXX accoun t # XXXX date opened XX/XX/XXXX, Negative items ( installment, revolving ) on my credit report ( s ), where I personally contacted the creditors and they could not locate any accounts under my name. I was also informed by them that that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible Equifax is reporting negative account information account? Your assistance is greatly appreciated.

Out 3 CRA only Equifax is the one that is reporting these accounts on my consumer credit report, not my account/ never had account with XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX, XXXX XXXX XXXX , incorrect " XXXX '' data and violates FCRA provision 605,607,611 and 623a I have also submitted a complaint with Federal Trade Commission and forwarded this information to my attorney to file a lawsuit against Equifax for reporting wrong information and damaging my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Today, XX/XX/XXXX and several times over the past week, I have tried to get the checking account closed only to be told it cant close until the sender of the wire recall his transfer. The sender, XXXX XXXX has informed me that he called his bank himself to recall the transfer only to be told that he cant as he is out of the States. This bank told me the following several times, have him recall the transfer and then close the account. I was told to leave a voicemail for someone to resolve this account. The sender cant recall his transfer and I cant close my checking account. This has already been going on over a week and nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My complaint is towards Commenity Bank. I have been working with a debt settlement company and I had notified Commenity Bank of this fact when they first began calling about my delinquent account in XX/XX/XXXX. Today, XX/XX/XXXX between XXXX EST and XXXX EST, Commenity Bank has contacted my mother, my sister, a friend and my ex husband all informing them I have a delinquent account and I need to contact them right away. My sister and friend have never ever been involved in my finances, ever. I verified that the number they were all called from was Commenity Bank. I then called Commenity bank to receive a reason why they have contacted people never associated with my accounts, they stated that all previous mentioned people and phone numbers were listed on my account. I know for a 100 % fact that this is not true. They of course would not reveal how or when these people were listed on the account. I feel there has to be skeezy events happening behind the scenes someplace on Commentity Banks end in order for them to get this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/2018 I made a {$87.00} purchase with a Suntrust rewards credit card that was eligible for an activated Suntrust deal for 20 % cash back on a purchase from XXXX XXXX. 
On XX/XX/XXXX I had not received my rewards and I contacted Suntrust to inquire about the status of my rewards. I was told to wait 6-8 weeks for the reward to be deposited. ( I was not told whether the Suntrust deal was earned or not ) On XX/XX/XXXX I contacted Suntrust again with the same issue of not receiving my rewards. I was told an investigation was opening on the issue. I received no further communication from Suntrust. 
On XX/XX/XXXX I contacted Suntrust customer service to inquire about the investigation. After 2 hours speaking with customer service, I was told the results of the investigation were that I had not received the Suntrust deal, despite meeting all the necessary requirements to earn the rewards. I was told that there is a 90 day window to dispute unearned Suntrust deals, starting from the last day of the deal 's eligibility. This information was not readily available when researching Suntrust deals. Multiple customer service representatives were unaware of this 90 window which lead to the 2 hour long call with multiple representative transfers. 
The end result was that I did not receive a Suntrust deal reward that was advertised because the Suntrust deal online banking system did not properly accept my eligibility and the support department failed to properly notify me of the status of my Suntrust deals and the available steps I could take to dispute 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 monetary relief
Consumer complaint received 2019-04-17 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: WI

Complaint narrative:
In XX/XX/2018 we canceled XXXX services. ( Had paid the monthly payment by autopay. ) upon canceling, we were informed that we must return equipment upon receipt of their postage paid box/label or we would get charged for equipment. We promptly and immediately complied and sent all items requested. We verified it was received by XXXX. 

Because we were also building a new home ; beginning XX/XX/2018, we applied for a construction loan from our financial institution and our credit scores were impeccable, as they always have been. My wifes and my own credit scores were, in fact lateral as we have been married 25 years and had the same accounts, etc. 

Because our construction loan is now matured and needs to be converted to a traditional mortgage, our financial institution indicated we could not get a good rate on a mortgage because my credit score took a nose dive! To my utter shock, I reached out to Equifax to inquire as to why the sudden drop. It was indicated I had an unpaid bill reported to them by XXXX  XXXX IN, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( phone XXXX ) in the amount of {$800.00}! 

First, we NEVER received notification of such amount due and second, we had no idea who this company was! After searching their name we learned they were a collection agency for XXXX! 

We immediately filed a complaint with Equifax and spoke to them numerous times to expedite our complaint and resolve the incorrect information so to put my credit score back to where it was prior to the scathing incorrect information. 

Unfortunately, every time we have spoke with them, there was a huge language barrier and after hours and hours on the phone, we asked where we were calling and learned it was the XXXX. We then asked to speak to someone in the USA and was obliged with the request. 

The credit bureau did indicate the item was deleted from the credit file, however it could take as long as 90 days to be reflected on my credit score!!! I begged that this be carried out sooner so I may get a traditional mortgage that should be afforded to me. I have worked all my life, paid all my bills, fought for my country, and have had an impeccable financial and personal reputation. 

I have explained that this is unacceptable and unjust. It was not a valid debt and further, this incorrect ding on my credit score is going to cost me many, many thousands of dollars due to the fact I can not obtain a traditional mortgage!!!! 

XXXX XXXX, XXXX and Equifax needs to compensate us for the grief, anxiety, and moreover the additional costs we will incur due to this total debacle. 

For your information, the Equifax Confirmation number of the completed complaint is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My mortgage lender tried to pull all three credit reports, but Equifax was the only one they had problems with. They were unable to pull a report from Equifax. I attempted to call Equifax multiple times to speak to multiple different agents, all of them not only were difficult to understand but also were unable to provide any useful information about my account to me even after answering name, social security number, address, date of birth, loan histories, credit card accounts about myself. Their only proposal was for me to physically mail in personal identifying documents, quoting that it would take up to 2-3 weeks to finalize my identity and provide any useful information and a copy of my credit report. This is an unacceptable time frame for resolving any problems in the 21st century, and I may not be able to purchase our home because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I submitted my payment to Capital One a month ago for the full balance of the bill, which was around {$2000.00} dollars. I'm accustom to paying large payment dollar amounts on my credit card bills to keep my debt ratio low as possible. I deposited my pay check into XXXX XXXX XXXX two days prier so I could pay my bills on time, XXXX XXXX XXXX, while deposited my check, coded my check incorrectly and the check didn't go into my account on time to pay my bills. n the mine time I received an email from Capital One stating that they received payment, so I started using my card again. I wasn't aware that my check was improperly deposited in the bank by the teller that waited on me that day. I only found out when Capital One placed a thirty day late payment onto my credit file. I've had this account now for about six months with no thirty day late payments on it. I pride myself on having good credit. I work very hard at it. It's not my fault XXXX XXXX XXXX screwed up my payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17 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: MI

Complaint narrative:
Experian, is giving me such a difficult time that I want to take them to court. I want to be heard in court in front of my peers. 

XX/XX/2019 I had spoke to a very nice lady regarding Fraud, Hard Inquiries, Soft Inquires that 99 percent I never initiated. After looking at my file the nice lady says to me that the hard inquiries were being duplicated by mortgage companies and yes they and a lot more needed to be removed. At the time the nice lady could not verify who I was and asked me to use Experian Upload in which I tried very unsuccessfully. At that point I called Experian only to be met by someone in XXXX. I could not for the life of me understand what they were saying so I hung up. 

At that point I knew there was missing credit card information, my hard inquiries were work and my credit file was a mess. Because I was having so much difficulties I decided I would write the resolution department. In my mailing were 2 years of bank statements, a copy of my drivers license, a copy of my electric bill and a copy of insurance papers. I also made a copy of my social security card. I did this will all 3 agencies and only Experian is completely out of there mind. First the wrote me a letter stating the changes were being made to my file. The I got a letter telling me that they Experian needed my bank statement and everything I sent above. My attorney and I review all documents that were sent and it clearly states I'm me. Now Experian will not own up and fix my file. This is driving me mad ... HELP!!!!

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 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX TRANSUNION XXXX XXXX XXXX I have no idea when and how I was enrolled apparently to a program offerd for a charge of XXXX per month. I had no idea how I was put on this program. I called transunion at XXXX XXXX XXXX XXXX that is on my credit card statement. They did credit me for 3 months. And I want credit from XX/XX/XXXX to XX/XX/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 monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit Bureaus are making Temporary Lifts of Credit Freeze difficult. Disabled online process ever since the Law forced them to make available to consumers.

Experian now asking all requests by mail only by providing all information required for someone to steal my identity. such as Name, Address, Social Security Number, Bank Statement, Utility Bills and other physical copies to be mail. They also do not respond to any inquires therefore we do not know when they receive the document or when the request can be processed.

This makes consumer credits hostages unless we pay for their Credit Lock service for a fee.

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 2019-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, Citibank responded to my complaint that I filed with CFPB under complaint # XXXX. The company responded with the following : " A letter will be sent to the customer advising that the inquiries dated XX/XX/XXXX were changed to non-display inquiries. We explained that non-display inquiries are viewable to her but not to other creditors. '' Citibank never sent me a letter and this company never changed the two inquiries from hard to soft inquiries. Creditors can still view these inquiries.

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 2019-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
After filing complaint XXXX, i was contacted by a Capital One representative who was very polite and said " she called to help resolve my concern. '' I explained the reason for the complaint was to change the report to " closed '' and settle the debt in full. I explained my rationale for their reporting the account " closed/charged off '' monthly as punitive only to continue damaging my credit with no valid interest in recovering the money. The complaint was filed after several attempts to resolve this with Capital One unsuccessfully. It was my understanding they had agreed to this when we entered into the payment plan provided by a government sponsored consolidation company. The payments were automatically paid monthly and never late. 

I requested to pay the remaining balances in full if they were willing to change the status to " closed '' and remove the " charged off. '' The representative acknowledged this was a reasonable request and she would get back to me soon. This was two weeks ago and today, i discovered they changed the status from " closed/charged off '' to " In collections/charged off '' and now added a remark of " Charged off as bad debt Canceled by credit grantor '' in an attempt to further damage my credit. This is predatory and beyond punitive. They reported to CFPD still investigating and never contacted me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: FL

Complaint narrative:
XX/XX/XXXX - First contacted Equifax to update phone number and they gave me a reference number saying it was done. 

XX/XX/XXXX - Informed by a major bank of no phone number for them to contact me for an application I had submitted. Held up an application and unnecessarily caused a processing delay. 

XX/XX/XXXX - Confirmed phone number was updated through a different financial institution - however credit score adversely impacted, as yet another " hard pull '' had to be done in order to process this additional consumer application.

Company response to consumer: Closed with explanation