vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-21 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: MI

Complaint narrative:
I have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then submitted a police report about my identity theft, dating back to XX/XX/XXXX of when the police report was filed. 
Since then XXXX, Transunion, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX. 

Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ). Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still unaddressed concerning this and it has been since XXXX XXXX, XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my XXXX, Transunion, and XXXX Credit Report.. 
Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : XXXX XXXX XXXX : XXXX Original creditor : XXXX XXXX  XXXX with account number : XXXX XXXX account Number : XXXX Current Owner : XXXX XXXX XXXX If any of these are reported on XXXX, Transunion, and/or XXXX  can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).

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 2019-07-21 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2019 my credit card was charged {$99.00} for an annual subscription of XXXX XXXX XXXX magazine. This was an unauthorized charge and I attempted to call the XXXX but was directed to a website where I entered in my desire to cancel. I got no result. I performed this action again and received the same non result, nor any correspondence. 
Meantime, I sent an email to Barclays as soon as I received my statement with the charge. They were barely helpful, repeating the 800 #, and asking me to call their dispute department. The problem is each time I called, it took 30 minutes or more to explain the issue and at the last attempt, the representative actually laid the phone on the desk, and I had to start the process again! 
I have tried to enlist Barclay 's help with the disputed charge, via email and voice calls, but, given the time elapsed, I have now seen my credit score lowered by 50 points as the account has been declared delinquent. 
That is unfair and detrimental to the well being of myself and my family and might have an impact on my ability to find work in the future.

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 2019-07-21 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: NC

Complaint narrative:
I submitted to Equifax two disputes involving XXXX XXXX. XXXX XXXX Auto Finance is incorrectly reporting an account with Equifax and I provided documentation and full credit reports to display the inaccuracies and request deletion. I also disputed a XXXX XXXX credit card that was incorrectly reporting late payments which I requested to be changed to paid as agreed. I also included payment verification from my bank proving I was on time. Equifax says they did an investigation of my claims in both cases but they did not address and of the errors of delete and fix the accounts in question as I asked for. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: NC

Complaint narrative:
I submitted to Equifax a dispute involving XXXX XXXX. The account is incorrectly reporting with Equifax and I provided documentation and full credit reports to display the inaccuracies and request deletion Equifax says they did an investigation of my claims but they did not address any of the errors or delete the account in question as I asked for. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: MI

Complaint narrative:
I have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then submitted a police report about my identity theft, dating back to  XX/XX/XXXX of when the police report was filed. 
Since then Equifax, XXXX, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX. 

Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ). Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still  unaddressed concerning this and it has been since XXXX XXXX, XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my Equifax, XXXX, and XXXX  Credit Report.. 
Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : XXXX XXXX XXXX : XXXX Original creditor : XXXX XXXX XXXX with account number : XXXX XXXX account Number : XXXX Current Owner : XXXX XXXX XXXX If any of these are reported on Equifax, XXXX, and/or XXXX  can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-07-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: USCB Corporation
State: IN

Complaint narrative:
Called my phone 6 times a day saying they where going to garnish my wages said thing would only get worse for me from here an wasnt ever going to Amount to 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 2019-07-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted to Experian two disputes involving XXXX XXXX. XXXX  XXXX Auto Finance is incorrectly reporting an account with Experian and I provided documentation and full credit reports to display the inaccuracies and request deletion. I also disputed a XXXX XXXX credit card that was incorrectly reporting late payments which I requested to be changed to paid as agreed. I also included payment verification from my bank proving I was on time. I pulled my credit report today after learning they completed their investigation. Experian says they did an investigation of my claims in both cases but they did not address any of the errors or delete and fix the accounts in question as I asked for. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. Thanks 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 2019-07-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted to Experian a dispute involving XXXX XXXX. The account is incorrectly reporting with Experian and I provided documentation and full credit reports to display the inaccuracies and request deletion. I received notification the dispute had been completed so I pulled my Experian report today. Experian says they did an investigation of my claims but they did not address any of the errors or delete the account in question as I asked for. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. 

Thanks 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 2019-07-21 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: Nelnet, Inc.
State: NY

Complaint narrative:
I received phone calls from student loans representative after graduating in XXXX claiming that I did not need to make payments till I found employment. I could therefore apply for forbearance and deferment of payments. I did so and after a few months, reapplied. However in XXXX of XXXX, I received missed payment and delinquency remarks on all ( 12 ) of my student loan accounts on my credit report. I called to inquire of the incorrect reporting and I was told it had already been reported to the bureau 's. Till date the remarks are on my report. I applied for deferment twice in XXXX but still received missed payments on all accounts. There is lack of transparency and accountability in this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX XXXX/XXXX  promised to remove the negative item off of my credit report if I paid the collection/bad debt off. They sent me letters and an agreement was made with them and the collection company that once it was paid and cleared all negative items will be removed from my report. They removed it from XXXXx, and XXXX and the collection company removed their tradeline from all 3 bureaus. But for some reason they will not remove it from XXXX. I have called and even sent them the letters they sent me and I would like to keep their word about removing the item from 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 2019-07-21 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: OH

Complaint narrative:
I have repeatedly requested documentation verifying said account XXXX XXXX. Your company has repeatedly denied my requests for verification of the thorough investigation completed by your company. In doing so, your company is violating my consumer rights, damging my credit and defaming me under section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). During verbal and written communication with you company 's representatives, they stated accounts were verified and investigated electronically by a particular system publicly known as XXXX. Any Automated Consumer Dispute Verification is not fair or a thorough investigation of disputed inaccuracies. This will be my final request and warning to thoroughly investigate, correct, and provide legal documentation of investigation results within 30 days.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified without XXXX or any Automated Consumer Dispute Verification software and deleted immediately XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Rushmore is refusing to open my loan modification review because they state the " investor which is XXXX XXXX XXXX XXXX. 

We had a 2nd loan modification review which left out a great portion of our income and now Rushmore is stating there is a hard stop on the file which wont allow for another review. We never got approved for a loan modification in the past and the 2 reviews we had were done so without the full income as Rushmore ignored some of what we earn. 
The last review should not count towards my second review or at the very least the second review should be re-opened and the correct income should be looked at. 

We are prepared to make payments starting today and we can even put down {$15000.00} as a good faith deposit. I called the investor and they said they have no such rule. XXXX XXXX XXXX still continues to block my loan modification review which is a violation of federal guidelines and is doing an unjust harm to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I opened a bank account with Wells Fargo online. They had a promotion at the time offering {$400.00} for opening a new account with them. I had to start the account online with {$25.00} and make direct deposits that cumalatively equaled {$3000.00} a month for 3 consecutive months. One time while on a chat with customer service I inquired about my meeting the criteria and when I would see the bonus. I was told I had met the criteria and I would receive it in 45 days. When I woke up the following morning the record of that chat was erased. I was suspicious and called customer service. I was placed on hold for an extremely long time, transferred again and again and the finally given to a supervisor. The supervisor listened for a second then began to berate me and speak so rudely and condescendingly to me. He said in no way was the word cumulative used in any sort of official offer. I told him it was used and I had the paper to prove it. He then promptly hung up on me. I called back and got a new supervisor on the line who reviewed my previous call, helped me file a formal complaint and then told me I had met the criteria and would receive my bonus in 45 days. I then received a letter in the mail saying I didn't meet the criteria because I didn't have enough direct deposits that qualified even though I had almost 10,000 in 3 months. I have been hung up on numerous times, laughed at and spoken so rudely to it really bothered me. I hope you can help me. Thank you

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 2019-07-21 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: NC

Complaint narrative:
I submitted to TransUnion two disputes involving XXXX XXXX. XXXX XXXX XXXX XXXX is incorrectly reporting an account with TransUnion and I provided documentation and full credit reports to display the inaccuracies and request deletion. I also disputed a XXXX XXXX credit card that was incorrectly reporting late payments which I requested to be changed to paid as agreed. I also included payment verification from my bank proving I was on time. I pulled my credit report today after learning they completed their investigation. TransUnion says they did an investigation of my claims in both cases. In the case of XXXX XXXX XXXX XXXX they suppressed the information in the dispute but did not delete the file as requested so the balance reflected as the high balance is still wrong. In the case of the XXXX XXXX Bank account they did not fix the late payments. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. Thanks 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 2019-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HOVG, LLC
State: TX

Complaint narrative:
Bay Area credit services account # XXXX creditor pens XXXX XXXX XXXX XXXX just Recently Started sending me a bill for XXXX and Ive called and told them I dont have a bill and I dont know that place and they it was from a doctor visit back in XX/XX/2018 my kids and I have Medicaid and have had Medicaid for over a year. And the only doctor or hospital we have been to we dont owe anything Ive called and this place cant tell me what doctor and they were getting mad when I wouldnt pay and said they would freeze my ssn Ive never heard of that before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/19, I disputed the " Remark '' information because it stated " Account closed by credit grantor ''. This was partially correct but should have said " Payment managed by financial counseling program ''. The Wells Fargo credit card was closed in XXXX because I put it in a debt management plan called XXXX and they are still sending Wells Fargo monthly payments. 


This is what is listed on my credit report currently : Remarks : Consumer disputes this account information " Account paid for less than full balance ''

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