vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX  today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a 30 day late payment on XXXX and XX/XX/2018 on XXXX XXXX ACCOUNT # XXXX .The information is incorrect .I have the account in autopayment .Iwas never late on my payments.

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 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting me as 60 days past due on the XXXX XXXX partial account numbers XXXX and XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: DE

Complaint narrative:
I disputed an item on my Equifax file " XXXX XXXX XXXX XXXX '' because it was outside federal obsolescence. The status was " current '' and it was " Paid after foreclosure started ''. I have attached two images ( XXXX and XXXX ) showing this status as ofXX/XX/XXXX ( Account number listed XXXX ) After disputing the item, Equifax changed the status to " charged off ''. I have included the images ( XXXX and XXXX ). An item can not be paid after foreclosure and current in XXXX and then become a " charge off '' in XXXX. This is an example of willful negligence ( as provided in the Fair Credit Reporting Act ) on the part of either Equifax or on XXXX XXXX XXXX. 

I want this item removed from my file or I will seek punitive damages as provided in the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: AC AutoPay LLC, Denver, CO Branch
State: IL

Complaint narrative:
ac autopay account was closed XX/XX/XXXX and now its seems as ac auto pay place another account on file for XX/XX/XXXX ... I have never step back in that office since XXXX of XXXX they place a. Delinquents on my account for the same balance that was owed back in XX/XX/XXXXto XX/XX/XXXX.. they made it seem like I refinance another vehicle in XX/XX/XXXXbut didnt make payments so and now their coming after me again ... .THEY HAVE NO RIGHTS TO DO THAT ..I never applied for another vehicle or finance with them please help me understand whats going with this company AC AUTO PAY

Company response to consumer: Untimely response
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Nordstrom fails to list a payment address on its retail credit card statement, with effect, if not the purpose, of causing customers to miss timely payments and thereby incur late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am on a repayment plan income driven and my payments are {$0.00}. On my credit report my score keeps dropping because Navient keeps reporting my balance increase. I contacted Navient and they keep telling me they are not reporting and there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and identity fraud. After looking through my credit reports I found the hard inquiries that I do not recognize. 
XXXX XXXX, FL XXXX Inquiry date : XX/XX/2018 Inquiry date : XX/XX/2018

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 2019-03-07 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: TX

Complaint narrative:
As a consumer I have requested the description of the procedure used to determine the accuracy and completeness of the information, including the business name, address, person that was contacted from the original creditor, phone number and all from the XXXX XXXX XXXX XXXX XXXX. 


On XX/XX/2019, XXXX XXXX XXXX responded to the complaint from Federal Consumer Protection Bureau and stated, that they have mailed proper Validation and have spoken to the original creditor and the original creditor confirmed the debt was valid. As of XX/XX/2019, NO CORRESPONDENCE has been received from XXXX XXXX XXXX or the original Creditor. 
Two certified letters were sent to XXXX XXXX XXXX requesting Method of Verification ( attached are the certified mail receipts ). Also, certified letter was sent to the original creditor asking and requesting information about the accused debt. No response from the XXXX XXXX XXXX or the Original Creditor. Therefore, this accused debt should not be listed on my credit reports. 
XXXX XXXX XXXX has violated my rights underneath the Debt collection act. They are aware that this is an investigation and they are still reporting this account and has not provided the proper valid validation or verification which is considered to be UNFAIR PRACTICES according to 808. Unfair practices of the FAIR DEBT COLLECTION PRACTICES ACT. 
XXXX XXXX XXXX has also violated 807. False or misleading  representations, 812. Furnishing certain deceptive forms, 809. Validation of debts according to the FDCPA. 

I was never notified by XXXX XXXX XXXX in regards to the investigation. Also, I did not receive a written verification or validation notification from XXXX XXXX XXXX in regards to the dispute. Also, no information was not furnished or provided by the Bureaus stating that this debt belongs to me.

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 2019-03-07 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: FL

Complaint narrative:
I established a membership with Experian. My personal information was incorrect- 4 wrong addresses and an incorrect name. It 20 attempts to reach someone by phone to get this corrected and to cancel my membership. Phone and chat were unavailable. I could reach no one to discuss an incorrect creditor

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 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Total Card, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Name on Credit Report : XXXX/XXXX/XXXX  XXXX/XXXX XXXX XXXX XXXX, SD   XXXX  Inquiry Date : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: Convergent Resources, Inc.
State: KY

Complaint narrative:
This collection that wasn't even supposed to be mine is reporting to two different creditors with the same account number. I just paid it to resolve it on my credit but instead they have it labeled twice on the credit report and it is wrong. It should have never been mine but I just paid it because I thought that would help my credit because I don't have the time to look into it. Instead they reported it as two trade lines with separate companies which is wrong. On top of that, they didn't even put it in a dispute status when I disputed it with 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 2019-03-07 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: TX

Complaint narrative:
XXXX and Transunion are reporting me as 60 days past due on the XXXX XXXX partial account numbers XXXX and XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

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 2019-03-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I disputed an item on my XXXX file " XXXX XXXX XXXX XXXX '' because it was outside federal obsolescence. The status was " current '' and it was " Paid after foreclosure started ''. I have attached two images ( XXXX and XXXX ) showing this status as of XX/XX/XXXX. ( Account number listed XXXX ) After disputing the item, XXXX changed the status to " charged off ''. I have included the images ( XXXX and XXXX ). An item can not be paid after foreclosure and current in XXXX and then become a " charge off '' in XXXX. This is an example of willful negligence ( as provided in the Fair Credit Reporting Act ) on the part of either XXXX or on Wells Fargo Mortgage. 

I AM FILING THIS AGAINST XXXX XXXX XXXX XXXX BECAUSE THE FAIR CREDIT REPORTING ACT ( SECTION 623 ) PROVIDES THE SAME REQUIREMENTS FOR REPORTING ON DATA FURNISHERS AS IT DOES FOR REPOSITORIES. 

It is quite apparent that someone at XXXX XXXX XXXX XXXX is manipulating the status of this account to purposely reflect in a more delinquent status to artificially lower my credit scores. This is clearly WILLFUL NEGLIGENCE. 

I want this item removed from my file or I will seek punitive damages as provided in the federal law.

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 2019-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My complaint is about Capital One opening the Money Market Account and getting the Bonus.

The details are : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX  ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX, XXXX and entering the promotion code " OFFER500 '', then Capital One will deposit the {$500.00} bonus money into my account within 60 days after completing the above conditions. 

At the beginning of XX/XX/XXXX, I contacted the bank for the {$500.00} bonus which should be paid by the end of XXXX and the manager told me I am not qualified for their promotion.

His reason is the total new money deposited into my MMA is less than {$50000.00} and I have a saving account with their bank before. 

My answers to their concern are : 1. According to their requirement, the cumulative deposits should work on the similar bonuses, and my total deposited amounts are more than {$50000.00}. Meanwhile, the cumulative deposits are always working for Capital one other promotions and for their other clients. 

2. The saving account I have was opened in XXXX with XXXX. After 10 years later, it was transferred into Capital One due to the business changes. I do not open any saving accounts with Capital One directly before. 

Based on all the facts I presented, I think I am qualified for their requirements, and they should deposit {$500.00} into my MMA immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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:
Date : XX/XX/2019 Issue : Experian - Customer Services, no live person to discuss a freeze dispute. Need help to resolve a security freeze ; I dont want to remove it but the freeze is not working. Experian does not have a number to resolve this. The website for customer services -- the page is not found. Companies are able to review my credit even though I have a credit freeze.

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 2019-03-07 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: TN

Complaint narrative:
Transunion is incorrectly reporting a collection for the XXXX of XXXX XXXX, partial account number XXXX. I contacted this utility directly and provided them with the necessary information so they could look up the account. They did not show any record of my ever having an account with them, and they verified I did not have any outstanding balance. The information on my credit report is in error.

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 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Name on Credit Report : XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX, SD XXXX Inquiry Date : XX/XX/2018

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 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Creditor : OneMain Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: KY

Complaint narrative:
This collection that wasn't even supposed to be mine is reporting to two different creditors with the same account number. I just paid it to resolve it on my credit but instead they have it labeled twice on the credit report and it is wrong. It should have never been mine but I just paid it because I thought that would help my credit because I don't have the time to look into it. Instead they reported it as two trade lines with separate companies which is wrong. On top of that, they didn't even put it in a dispute status when I disputed it with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Creditor : XXXX Inquiry date : XX/XX/XXXX Inquiry date : 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 non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: TX

Complaint narrative:
I recently applied for the Discover IT Card. After going through the verification process which included answering a series of questions and uploading a copy of my driver 's license ; I was approved for {$9500.00} in credit. My card has only been active a few days, and I've already been met with a series of roadblocks. The only purchase that I've made with the card was a purchase on yesterday XX/XX/XXXX for a dozen of XXXX. I contacted Discover on yesterday XX/XX/XXXX to inquire about on what day of the month Discover reports to the credit bureaus. I also inquired about setting up my pin number, as it is a new card. I verified my identity with the agent. She was unsure about the reporting date which I found strange, but she still offered to put me through the automated system which would allow me to set my pin. Instead she sent me to the Fraud Department. The representative in the Fraud Department stated that it must be a mistake, verified my identity again, and then forwarded me to the automated system by which allowed me to set my pin. I received an email this morning XX/XX/XXXX stated that Discover frequently monitors my account, and that there was information that was unable to be verified. I found this to be strange as well because I went through a verification process in order to get approved for the card. The email directed me to send to Discover a copy of my driver 's license, and to fill out the SSA-89 Form, so that Discover could contact the Social Security Administration to verify my social security number. I did comply. After faxing the documents over I contacted Discover and was told that I was randomly selected to go through this process. After explaining the order of events ; I informed the representative that this was impossible because of the email I received. I whole heartedly that this entire episode is negligence and discriminatory at best.

Company response to consumer: Closed with non-monetary relief