vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have called the corporate number as well as the regular customer service number on numerous occasions from XX/XX/XXXX up until now XX/XX/XXXX as the reporting to the credit bureaus are incorrect. 

The company has over 20 late payments on my account reporting showing me late when the have 1 ) applied all of payment of {$350.00} towards INTEREST ONLY 2 ) add a non-requested extension on the account without authorization showing no payment.

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 2018-05-24 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: NM

Complaint narrative:
On XX/XX/XXXX, I disputed information on the Experian report showing a derogatory by XXXX XXXX indicating they not been paid {$500.00} and that the account was charged off in XXXX and XX/XX/XXXX. 

I provided proof of payment provided by my bank XXXX XXXX and asked that the information be corrected. XXXX XXXX denied my request and furthermore updated the report to indicate the account was written off as of XX/XX/XXXX. In disbelief I disputed it again. Again I got the same result and XXXX XXXX charged the account off again, effective XX/XX/XXXX. So now the account which was originally charged off in XX/XX/XXXX was again charged off 2 more times in XXXX and XX/XX/XXXX and was now a negative on my report. In other words the account that was erroneously charged off in XX/XX/XXXXwas now maliciouly made to look like if was 2 recent charge offs. I called and wrote XXXX XXXX again and they refused to do anything about it and warned me that they would list it as a recent charge off everytime I disputed it. WOW. I called Experian and they told me they just report what they are told by the Financial institution and they couldn't do anthing about it. 

Please Help ... These guys are horrible!!!

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 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VIRTUOSO SOURCING GROUP, LLC.
State: MN

Complaint narrative:
I had a no contract service plan from XXXX  in XX/XX/XXXX. I cancelled service inXX/XX/XXXX and followed the steps outlined by XXXX  to return their equipment ( cable box ). I had XXXX XXXX   on XX/XX/XXXX. Throughout XX/XX/XXXX they ( either XXXX  or the debt collection agency they hired - I don't remember ) continued to call me almost daily before XXXX XXXX. They did not leave a voicemail. I was not capable of handling this at that time because I was in recovery. That's why I took care of all my business before the XXXX. In XX/XX/XXXX I finally called the number back that had been calling repeatedly and was told that they are attempting to collect a debt for the equipment. I let them know that I had already sent it in and provided proof ( shipping information ). I also called XXXX to verify this information and to make sure this was settled.

I did not hear from them again until XX/XX/XXXX of this year ( XX/XX/XXXX). They ( collection agency - I'm assuming Virtuoso but I'm not sure ) called several days in a row but did not answer when I picked up or leave a message if I let it go to voicemail, so when I had time I called the number back. They told me they were trying to collect a debt for equipment for XXXX. I informed them that I had never owed that debt and that it had been taken care of with a collection agency and with XXXX. They told me to file an appeal on their website, which I did right away. I don't remember the website. The calls stopped at that time.

Now ( XX/XX/XXXX ) I am getting daily calls from XXXX. I answer, the line is blank. I call back immediately and it says the line will be connected to an agent. It rings then puts hold music on, then says that I've reached them outside of their business hours ( I just called at XXXX XXXX CST on a Thursday ) then says stay on the line to use their automated system to pay the debt, then hangs up on me. Before that it gives a website to pay the debt that they're trying to collect ( XXXX ). The options there are to log in, create an account, or " XXXX XXXX. '' I am not going to set up an account and give them more of my personal information - I can't even reach a person to find out who it is, why they're calling, or if they even have the right person. Since XXXX is the only company that would be feasibly trying to collect a debt from me, I am assuming that they hired Virtuoso to collect this debt that they keep claiming I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Two weeks ago, family members began telling me that they were receiving odd messages on their home answering machines concerning me. Some of them were threatening legal action and demanding a return call and many answered calls continued even though this company was told that I could not be reached at their numbers. These are the first of many collection violations under the FDCPA, FCRA, and Texas Finance Code. There are even FTC violations occurring as well. My family members have saved and given me every single voicemail that was left by this agency and one particularly resourceful person was able to record a threatening telephone conversation between themselves and an agent of this company. This company made claims of a civil case being processed against me, however, a good friend works in the city office and assured me this is not the case. This is a common harassment technique used by unethical debt collectors. Yet again, another violation of numerous debt collection governing agency laws. 

I looked up the contact information for this company and sent them a cease and desist notice and a debt validation request, as I was unaware of what this company wanted me with. These letters were sent by certified mail and delivered on XX/XX/2018. This company has persisted with collections and has now even reported to XXXX and XXXX credit bureaus without validating the debt, which is now yet another violation to add to a long list of actions that are for liable for damages under numerous governing agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received a pre-approved auto loan from Capital One Auto Finance in mid-XX/XX/XXXX to be used only with XXXX XXXX. I contacted XXXX XXXX and selected a vehicle I was interested in. They proceeded to solicit financing without my consent from 9 financial institutions. All 9 made hard inquiries on my credit reports on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to disregard the FCR rules regarding reporting accurate and correct information. They continue to report a Bankruptcy that is not mines or have my name as it appears on my credit profile. The name they continue to list to a Bankruptcy filing in XX/XX/2017 is not linked to the name and social security matching Social Security Adm. I've provided police reports, FTC report and reports from XXXX XXXX all have investigate including the other credit reporting agency and determined the account does not belong to me. 
Experian is purposely reporting false information without providing proof and only stating according to public records, which if they properly investigate the complaint, they courts would tell them the case is not mines. I'm requesting any legal action that could be taken by the CFPB to begin charges against Experian for not complying with FCR rules and policy. 

I'm again submitting my FTC report along with the third party report XXXX XXXX since there previous response was they have not received any information regarding identity theft. 

I'm also requesting all response from Experian to proceed legal actions from my end for reporting information regarding a fraud name being used on my credit report. 

Their reporting source has removed it along with the other reporting agencies who has conducted an investigation and see that the account doesn't belong me but Experian still will not provide any documentation confirming their information.

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I received a pre-approved auto loan from XXXX XXXX XXXX XXXX in mid-XX/XX/XXXX to be used only with XXXX XXXX. I contacted XXXX XXXX and selected a vehicle I was interested in. They proceeded to solicit financing without my consent from 9 financial institutions. All 9 made hard inquiries on my credit reports on 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 explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I received a pre-approved auto loan from XXXX XXXX XXXX XXXX in mid-XX/XX/XXXX to be used only with XXXX XXXX. I contacted XXXX XXXX and selected a vehicle I was interested in. They proceeded to solicit financing without my consent from 9 financial institutions. All 9 made hard inquiries on my credit reports on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I received a pre-approved auto loan from XXXX XXXX XXXX XXXX in mid-XX/XX/XXXX to be used only with XXXX XXXX. I contacted XXXX XXXX and selected a vehicle I was interested in. They proceeded to solicit financing without my consent from 9 financial institutions. All 9 made hard inquiries on my credit reports on 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 explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The last transaction on this card is greater than 7 years old. It is 7 years 9 months however it is still being reported on my credit which is, against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My loan was held by Sallie Mae and I was able to make payments online using XXXX. This was useful because I lived overseas and did not have a US bank account. Navient then got rid of the online payment option and would not allow me to pay with a credit card. I had multiple conversations with Navient employees where I tried to explain my situation. They were never helpful. I asked if I could make one yearly payment ( to save on bank fees ) or when I needed a deferment to explain that I couldn't prove unemployment using their forms but had equivalent documentation which I sent. On each ocassion, the Navient employees, while polite, were unable, or unwilling to help. Eventually the loan was referred to a collections agency which has only been slightly better. I had the distinct impression that Navient were not interested in my particular circumstances or even in getting payment. Their inflexibility and lack of customer service made it very difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: BTH Management
State: CA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX, {$3500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Delta American Express called me saying that a card I had never activated had a questionable charge. They asked me if I wanted a replacement card. I said " Yes ''. They sent me another card which I did not activate. A month later I received a bill for a {$90.00} membership charge.

I called the number on the statement and complained that I had not activated the card. The person I spoke to put me on hold and I waited for another person who I explained my request to remove the charge and cancel my account. They then put me on hold and I waited for a third person who I explained my wish to have the {$90.00} fee removed and to cancel my account.

The third person said I had 30 days to cancel and that the deadline to cancel had passed and that if I did not pay the fee that a punishment interest rate would be applied to my account. I asked to speak to a supervisor and was told that all the supervisors were in a meeting until after XXXX. I was given a complaint number and was told someone would contact me, but noone has contacted me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
While booking a flight on XX/XX/XXXX on XXXX XXXX a popup offered a {$200.00}. discount off the ticket price if I applied and was approved for the Citibank AAadvantage Plantinum Select Card. I  applied for the card and was approved the same day but in trying to use the card to pay for the ticket, which payment had to be made within 24 hours the payment was denied for lack of a cvv number. Citibank gave me the card number of the approved card but said they could not give me the cvv number or a temporary number. They advised me to call XXXX to try to get the payment approved. XXXX   said they could only approve the card with a cvv number and referred me back to Citibank. Citibank again said they would not give me any sort of temporary authorization, thereby making it impossible to use this card to obtain the promotion on this ticked even though it sent me email saying the card was open. I can not use the card until I get the actual card with cvv in about a week, thereby making this promotion false advertising.

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 2018-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANCORP

Complaint narrative:
Good afternoon I have my mortgage with XXXX XXXX XXXX in XXXX XXXX XXXX XXXX. Since last year I been asking the for my Billing Statement and they refuse to send me the document instead the continue send me a regular payment book, This is not providing me with the information require by Billing statement Act. Today I call again and spoke with the servicing manager XXXX XXXX and she told me that they are not obligate to send this document they are sending this document only to the clients with direct payments. they have more than 2,500 loan on servicing and refuse to comply with the Billing Statement establish on XX/XX/2014. My Loan number is XXXX and my full name is XXXX XXXX. My phone number is XXXX I appreciates your help on this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I originally had a credit card through XXXX. At the time of that opened account, I was experiencing difficulties with receiving income due to XXXX XXXX and not being able to work. I was homeless at the time and couldn't pay my bills. This account went into collections with XXXX XXXX. After XXXX XXXX placed derogatory marks on my credit report through XXXX and Trans Union, they sold this account to XXXX XXXX XXXX XXXX. 

In XX/XX/2015 I was awarded XXXX XXXX with backpay for the years I was unable to work. I then called the creditors that I had debt collections with and paid all of my debts in full. I also requested to have these accounts deleted, which was agreed upon. Neither the account through XXXX XXXX or XXXX XXXX  were ever removed. This year i've checked my credit reports, because my score has still been low, even after paying these debts. I've contacted XXXX XXXX and XXXX XXXX to ensure that they remove the derogatory accounts from my credit reports, because they have been having a negative impact on my credit score. XXXX XXXX has removed this account from all 3 credit reporting agencies while XXXX XXXX  has not. I have also written letters to both Trans Union and XXXX requesting that they be removed with no response to my disputes. I am taking it a step further by contacting the CFPB for assistance. 

In this correspondence, I will include the letters I have sent to XXXX and Trans Union ( both  notarized ), I will include the letter from XXXX XXXX stating they are not responsible for the account anymore, and I will include the letter from XXXX XXXX XXXX XXXX stating that the account has been paid and they have removed it from my credit reports. The account numbers for XXXX XXXX and XXXX XXXX are the same.

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.

Complaint narrative:
Good Day, I received the attached letter from the XXXX XXXX XXXX, informing me of a credit score. I am not aware of any credit issues, and I would like to receive a copy of the Credit Report. 

I have tried on line, as well as via telephone, however, i am unable to process my request, as I do not live in the US, and therefore do not have a Social Security #. 

Is there another method for me to obtain the Credit Report, without having a Social Security #? 

Thank you. 

XXXX XXXX XXXX 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 2018-05-24 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: PA

Complaint narrative:
Not showing how they verified any standing deputes. Never receive a letter on whom they spoke with or how they conducted there investigation. Only stating it was verified but not how. Never received credit report with credit scores. And this from Equifax and XXXX. For a bankruptcy. That should have been removed. It has been removed from my XXXX  credit reporting. Because they have not done there job properly nor fairly I would like all items that I disputed be removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX, {$3500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.

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