vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-29 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: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : AMERICAN HONDA FINANCE, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : ONLY XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX, AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  , XXXX AND XXXX  . 
ACCOUNT NAME : XXXX. XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  , XXXX  , AND XXXX  . 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, REPORTING ON : ONLY XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ORIGINAL CREDITOR : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING DATE : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: MT

Complaint narrative:
I previously stated a compliant, But in my investigagting I realize that this is more the inaccuracy clerical error of Experian. Experian is reporting XXXX/XXXX XXXX XXXX  as OPEN DELIQUENT. XXXX ( closed it XX/XX/2016 ) and XXXX ( closed it XXXX.16 ) are reporting correctly that it is Closed- Sold, Transferred. Because of this inaccuracy my credit score is very low. My bank tells me if I would have good  credit otherwise. I called XXXX XXXX to make sure that I did not have a loan left unattended, but they do no have record of any open accounts with them no do the 8 other phone numbers they referred me to to see if I had an open student loan in default per XXXX or XXXX XXXX XXXX. All of my loans are now serviced through XXXX. I would like Experian to correct this as soon as possible so I can have the credit score that I am worthy of. To be noted- this loan is double reported. This is the same loan as reported XXXX- which is paid.

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 2019-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
After dealing with 2 dr offices, he owns both, i had authorized payments to be taken from my debit card monthly until paid in full. Not knowing there were 2 billing offices, i ever received a bill for a service tat ended up being written off. After several months of back and forth with the dr office, it was clear they sold the debt to Capital Accounts in the amount of {$2900.00}. I never received this info as they had a pob that i had not had for years. I saw the credit bureau where it was listed. I contacted this collection agency to inquire what this debt was for and was told for the services from XXXX XXXX XXXX, which is my heart dr . I  see him 1-2 a year and was never told there was an outstanding balance. I was not given opportunity to deal with this debt until they posted it on my credit. Working with XXXX with the billing office at the dr , she is trying to pull back the account, telling me that the Capital Accounts refuse to send back the file for them to collect. I will not deal with a creditor that handles business as such. I do not dispute the debt as I will gladly work a payment plan with the dr office but not with the unprofessional people who do nothing but tell me to pay my bills and not be a dead beat.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX and XXXX is supporting Capital One on leaving a business account on my personal credit report. I disputed so many times with them and unfortunately they refuse to take it off by allowing Capital One to say for them to keep it there. Please help me, my business name was XXXX XXXX XXXX XXXX and unfortunately it is not in business anymore because it didn't bring enough revenue. Thank you!!! XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To whom it may concern, My friends and I feel it's important to take off derogatory accounts when they're expired, to make credit scores easier to understand and update personal info in a timely manner.It seems when i talk to them they don't want to help me rectify things like what happened in XX/XX/2017 when I tried to reconcile issues with you, unfortunately my instructor who helped me is no longer available to discuss this with you. Also I had a XXXX XXXX account that wasn't removed that should have come off my record and some fraud alerts that was not taken seriously. Thanks.Sincerely yours, 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 2019-03-29 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: WA

Complaint narrative:
To whom it may concern, My friends and I feel it's important to take off derogatory accounts when they're expired, to make credit scores easier to understand and update personal info in a timely manner.It seems when i talk to them they don't want to help me rectify things like what happened in summer of XX/XX/2017 when I tried to reconcile issues with you, unfortunately my instructor who helped me is no longer available to discuss this with you. Also I had a XXXX XXXX account that wasn't removed that should have come off my record and some fraud alerts that was not taken seriously. Thanks.Sincerely yours, 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 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I noticed my Chase credit card account is closed when trying to use the card today. I was just able to use my card yesterday. 
I didn't receive any format of communication on the account closure prior to account being closed and caused me incredibly amount of inconvenience. 
I called to ask the reason why they closed my account and learned that they believe do not have enough credit information for me. But they approved me a card three years ago with even less information than today. So the reason doesnt make sense! 
I have a good credit score and 10 years credit history. Never late for any chase credit card payment. I found this incident very unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: CA

Complaint narrative:
I receive Experian credit Report of XX/XX/XXXX with many errors and Derogatory Remarks on my credit Report. 
XXXX XXXX XXXX Auto Loan # XXXX Derogatory Remarks of 30-59-60-90 days late of XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX and many other errors are not been deleted. 
I have marked all the errors and derogatory remarks. 
XXXX  already removed the Derogatory Remarks, of XXXX auto loan, but Experian and XXXX  hasn't remove it yet.Why? 
Also Experian has removed Bankruptcy from my credit report, but XXXX and XXXX hasn't remove it yet.Why? 

I also I was employed for XXXX XXXX XXXX XXXX XXXX XXXX, Ca.for 27 years and I retired on XXXX XXXX on XX/XX/XXXX.This error needs to be corrected as Experian has XXXX XXXX   XXXX. 

I respectfully need a expedited removal of derogatory of XXXX   account because I am going through a VA Loan and purchase process with XXXX XXXX and XXXX XXXX and derogatory Remarks and unauthorize hard inquiries are not allowing me to obtain a VA Loan as a XXXX XXXX XXXX Military Veteran. 
I am XXXX XXXX and Retired. 
I appreciate Experian, XXXX, XXXX support for our Military Veterans. 
With Respect and Honor Always!

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 2019-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Offices Howard Lee Schiff, P.C.
State: CT

Complaint narrative:
On XX/XX/2019 they went into a bank account owned by me and took out money that my separated spouse owed in the amount of {$1600.00}. I have proved that the bank account was mine and he had no money going into the account and they are not willing to help me. I have spoke with them three times and told them he was on my bank account for our children.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: NJ

Complaint narrative:
This is my second written request to verified accounts that appear on my credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts.This time an FTC complaint could be filed and is attached to this complaint. 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 2019-03-29 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: NJ

Complaint narrative:
This is my second written request to verified accounts that appear on my credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts.This time an FTC complaint could be filed and is attached to this complaint. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Last year on XX/XX/XXXX I mailed certified a follow up letter for not receiving my credit dispute results for the previous credit report dispute. Experian received it on XXXX XXXX. I have not received and results on my follow up letter. On XX/XX/XXXX I mailed certified credit disputes to Experian. They received the letter on XX/XX/XXXX. I still have not received any dispute results and it has been over 30 days. Every time I called I am transferred to the special service department. When I ask why am I always being transferred to this department, they tell me its confidential and they cant discuss that with me. This is ridiculous. I should not have to consistently call to get update and be turned down because the special service worker on my case wont return my call back. Just send me my dispute results and we wont have a problem.

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 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Case # XXXX & XXXX RE : Claim # XXXX I am filing this complaint on behalf of myself and the three million individuals who were victims of Wells Fargo Unauthorized Accounts Fraud. By this I hope to receive a fair judgment in my favor and to bring back some needed attention to this impertinent issue for the millions of people that suffered silently through those wicked hands in which they invested their trust. Not forgetting the vastly unsuspecting public citizens and nationals, whose docile suffering apparently passes by daily noticed. Noticed by those who are placed in their charge and under whose Institutions and corporations they are made to succumb. 
We all are aware of the fact that Wells Fargo Is found Liable for committing fraud. A class action suit was brought against Wells Fargo Bank and its subsidiaries for committing these unlawful acts. More than three million of its customers were afflicted. A crime, for which, if I was found liable, would have cost me fines and imprisonment by exacting conveniently against me the full weight of the law. 
Because the liable party in my opinion is still at large I would like to ask these questions of the CFPB, in order to begin an investigation. 
1. Who give Wells Fargo a free pass to recreate its image as a trustworthy bank? 
2. Wells Fargo is in haste, spending millions in advertisement dollars to erase from the publics memory her recent untrustworthy pass. Is this ethical despite having not fully compensated all fraud victims adequately? 
3. I further humbly ask the CFPB why Wells Fargo and subsidiaries are not suffering adequately for their crimes. Is it fare for Wells Fargo to go about business as usual without proper accountability? 
4. Should Wells Fargo Bank be allowed to erase from my memory it's much recent notorious pass before first compensating me? 

Because of the above unanswered questions I fear bias and injustice from the settlement administrator and thus called for the CFPB to conduct an inquiry into their conduct of affairs. Wells Fargo institution has proven to be untrustworthy and a grave danger to the public and should never be allowed to function without proper impunity and accountability after what they have shamefully done to customers. I fear a lack of protection for those who are injured and are concerned that the settlement administrator may not be handling victims cases ethically. First of all there is poor administration for lack of correspondence with the injured. That is enough red flag for any suspecting person.

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 2019-03-29 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: NJ

Complaint narrative:
EquifaxandXXXXissupportingXXXXXXXXonleavingabusinessaccountonmypersonalcreditreport.IdisputedsomanytimeswiththemandunfortunatelytheyrefusetotakeitoffbyallowingXXXXXXXXtosayforthemtokeepitthere.Pleasehelpme,mybusinessnamewasXXXXXXXXXXXXXXXXandunfortunatelyitisnotinbusinessanymorebecauseitdidn'tbringenoughrevenue.Thankyou!!!XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 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: NJ

Complaint narrative:
XXXX  and Experian is supporting XXXX XXXX on leaving a business account on my personal credit report. I disputed so many times with them and unfortunately they refuse to take it off by allowing XXXX XXXX to say for them to keep it there. Please help me, my business name was XXXX XXXX XXXX XXXX and unfortunately it is not in business anymore because it didn't bring enough revenue. Thank you!!! 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 2019-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I selected a Capital One Spark Business card because of their rewards program, and in particular, a {$500.00} cash bonus for spending {$4500.00} within the 1st 3-months. I carefully tracked my spending during those first 3-months to ensure that I would reach the {$4500.00} limit. I assumed that 3-months means the 1st 3-months you are using your card, or the first 3 statements. Capital One, however defines the first 3-months as starting on the date your account is opened, although you do not receive your card for about 7 days after that date. 
Due to this definition of the first 3-months, which is not clearly stated anywhere, including in their fine print, Capital One determined that I was not eligible for the {$500.00} cash bonus, despite the fact that I exceeded the {$4500.00} limit and spent {$5000.00} in my first 3 statements, or the first 3 months after having received my card. 
I made 5 separate phone calls ( and spent several hours of my time ) to Capital One Spark Business Customer Service, and was not able to have this issue resolved. I was told by one customer service representative, that Capital One may change the way they count the 3-month period, to count 3-months from when the card is received, as many customers have had the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST NATIONAL BANK OF OMAHA
State: AL

Complaint narrative:
I was contacted by XXXX XXXX XXXX ( XXXX XXXX and XXXX XXXX ) XXXX for a debt owed to XXXX XXXX. They threatened to sue me, but would not confirm the last four of the account number, the amount owed, or provide a debt validation letter. They said they are absolutely unable to send me anything regarding this debt. The issue is that I have paid this debt, and was attempting to verify it was the same one. I only ever had one XXXX XXXX Card. I have contacted the original attorney that had the collection. I received a paid in full letter with the last four of  the account number on it. XXXX XXXX XXXX  would not confirm the account number. They would not provide a debt validation letter. They would in no way attempt to verify the amount paid. They would not give me anyone else to speak to.

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 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was charged {$500.00} by someone using a XXXX account my bank never notified me I dont know this person, I filed a dispute before the funds left my account in hopes to stop the bank from paying the money out to a charge I never authorized. The bank has been taking days to refund me my money but has charged me {$70.00} in over draft fees I feel like Im being robbed again first by the thieves who stole my money and second by the bank who is charging me fees still and I call each day and still no one in the fraud or disputes department has viewed my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-29 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: LA

Complaint narrative:
Equifax ; XXXX  and XXXX are showing the XXXX  partial account number XXXX in Charge-off status for the balance amount of {$2400.00}. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I never opened it and am not sure why this account is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was told that no interest was payable to a living trust by banking personnel - I later found that to be untrue. Bank failure to place funds in an appropriate account or follow up on status of account.

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