vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-01 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I contacted the United States Bankruptcy Court in XXXX Connecticut on XXXX XXXX, telephone number XXXX and inquired about 2 Bankruptcys that are on my credit report, one from date XXXX/XXXX/XXXX and one from XXXX/XXXX/XXXX. I spoke with Bankruptcy clerk XXXX XXXX and stated to her this is showing on my credit report with XXXX, Equifax and XXXX, Bankruptcy clerk XXXX XXXX stated to me they didnt report any Bankruptcy of any kind with my name on it, XXXX XXXX along with another clerk by the name of XXXX stated the Bankruptcy court do not report to any of these agencys. They stated to me they dont know where the got this information from or how, but that didnt provide them this information. And that this information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: CT

Complaint narrative:
I contacted the United States Bankruptcy Court in XXXX Connecticut on XXXX XXXX, telephone number XXXX and inquired about XXXX Bankruptcys that are on my credit report, XXXX from date XXXX/XXXX/XXXX and XXXX from XXXX/XXXX/XXXX. I spoke with Bankruptcy clerk XXXX XXXX and stated to her this is showing on my credit report with Experian, XXXX and XXXX, Bankruptcy clerk XXXX XXXX stated to me they didnt report any Bankruptcy of any kind with my name on it, XXXX XXXX along with another clerk by the name of XXXX stated the Bankruptcy court do not report to any of these agencys. They stated to me they dont know where the got this information from or how, but that didnt provide them this information. And that this information is incorrect.

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 2017-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Credit report shows these as unpaid debts. These are not my accounts. I did not authorize. I have no credit cards and have not for over a decade. Citibank for {$6700.00} opened XX/XX/XXXX and for {$660.00} opened XX/XX/XXXX. I believe this to be fraud and need for them to be removed 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 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
I receive 3-4 calls daily and when I answer they hang up. This started in XXXX XXXX,2017. They have changed numbers several times and I 've blocked numerous numbers that belong to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One 's inconsistent billing practices lead to my account falling behind without my knowledge. This only came to my attention when I was attempting to purchase another vehicle and the credit report showed a series of late payments. I immediately called XXXX XXXX that day, XXXX XXXX, paid all monies owed in full via phone ( over {$2000.00} ), and then 2 days later put the account on " auto pay '' to avoid further problems. When I followed up with a representative from Capital One on XXXX XXXX ( estimate ), I was told that my statements had been " suppressed '' in XXXX XXXX. My credit score has incurred significant damage due to this one creditor. Over 20 other creditors show no late payments ever. Because XXXX XXXX did not inform me of the status of the account, it went past due on several occasions with no notification. I own two homes and have a combined income with my husband of over {$340000.00}, and our credit is excellent with the exception of this one account. Given our complex financial portfolio, I rely on receiving statements to pay our bills timely. I never agreed for my statements to be " suppressed '' and was completely unaware of this. I have asked XXXX XXXX to dispute this internally but I do not have confidence that they will reverse these reports with the Credit Agencies, and I ask for your assistance. Please have Capital One remove these late payment reports from my credit score. 
Thank you for your help and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I currently monitor my credit reports and scores across several different websites. I use XXXX, XXXX, XXXX, XXXX, and XXXX. On XXXX XXXX I received notification from several of the sites that my Equifax score had gone down over 100 points. Upon logging in to the sites I saw that Equifax had removed EVERYTHING from my credit file but 2 charge offs from XXXX. I immediately contacted them by phone. The representative could not explain what happened but directed me to fax a letter stating that my credit file was missing and to include copies of my social security card and driver 's license. She gave me confirmation # XXXX for the call. I faxed the letter that same day. The next day my credit file from Equifax was reinstated. Two weeks later the very same issue happened again. Again, my credit file was gone except 2 charge offs from XXXX. ALL of my positive accounts were gone. This tanked my score to XXXX again. I faxed them a letter about the issue again on XXXX XXXX, XXXX to have the issue corrected. This time it took a week for everything to be restored. Now the issue has happened again! Again my Equifax credit file is missing all of my positive accounts. I noticed that as the companies re-reported, each one is added but it is not fair to me to have to keep going through this. Equifax has a responsibility to report 100 % accurately and timely. They are not doing that. They are severely hindering my chances of being approved by a lender because my credit file is not reporting all of my positive accounts. With this complaint I am uploading proof of my contact with Equifax about this issue, proof of how this has severely damaged my credit at no fault of my own, and proof of my positive accounts that they other bureaus are reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: CA

Complaint narrative:
This account has been reporting negatively on my account since XXXX XXXX from a company called off XXXX XXXX in the amount of {$2300.00} I have disputed this account multiple times to no avail. I have not been able to contact the Creditor of this account yet and still Equifax reports it negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
On XXXX XXXX XXXX, I XXXX XXXX was a guarantor for my daughter XXXX XXXX XXXX attending college ) for an apartment at the University XXXX XXXX in XXXX Ms XXXX The rental agreement that we applied for and completed a notarized document was for was for 1 year lease from XXXX XXXX, XXXX XXXX, XXXX. XXXX did not move from XXXX XXXX XXXX XXXX after the first year and she extended the lease for another year immediately after for XXXX XXXX, XXXX thru XXXX. Months later, I noticed a {$2800.00} debt on both our credit reports. I have disputed the debt for several years explaining I did not renew a contract nor did I sign for another lease in my name after the first lease but National Credit System nor the Credit Bureaus removed the debt. On XXXX XXXX, XXXX, I sent a certified letter and requested a letter of authorization for the debt owed by XXXX XXXX XXXX XXXX. The documents I recieved from the National Credit Systems were inaccurate and falsified. I did not relieve the lease that we both sign but instead I was sent a lease contract dated XXXX XXXX, XXXX thru XXXX, XXXX, a period that me nor XXXX never sign for. Here are a list of inaccurate item in the contract. 
1 ) The lease contract was not filled out by XXXX nor myself. It 's in someone else 's handwriting and the Guaranty Information at the top of Guaranty page was not completed by me. 
2 ) The starting date on the new contract do not coincide with the date of the original lease from XXXX XXXX, XXXX to XXXX XXXX, XXXX. 
3 ). The date on page XXXX of the contract was changed to XX/XX/XXXX. Why would anyone sign in XXXX, XXXX to rent an apartment in XXXX XXXX. 
XXXX ). The notary signed by XXXX and myself was signed XXXX XXXX, XXXX for a lease dated XXXX XXXX, XXXX XXXX, XXXX, XXXX. This notary was attached to the new lease dated XXXX XXXX, XXXX thru XXXX, XXXX XXXX. 
5 ). The Residents Transaction inquiry detail show for months outside of the contract date, Also on the transaction page it showed she was a previous tenant. Where is the previous contract? 
6 ). There are no transactions to show charges and amounts paid from the beginning of the original contract ( with XXXX an last months rent deposit ). 
XXXX ). The move in condition form was dated XXXX XXXX, XXXX. Which was the date she first moved into the apartment. 

I did not sign nor did I agree to attaching the original notary with my signature to a new contract nor was I informed that this would be done. After carefully looking at the XXXX XXXX XXXX contract, I recognize that the XXXX XXXX contract was completed by taking pages from the original XXXX XXXX contract and inserting pages with our signature to forge a new contract. 
Please investigate this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ceannate
State: WA

Complaint narrative:
Entered into a rehabilitation loan repayment program about 11 months ago and was told that First, the interest would be at XXXX balance owed when completing the program. I have looked into the law regarding what governs this under 34 CFR 662.405 section 4, Vi, Paragraph B, of which it clearly states that they can not charge more than 16 % total collection costs to be added to the unpaid principal of the loan when the loan is sold to an eligible lender or assigned to the Secretary, which may not exceed 16 % of the unpaid principal and accrued interest on the loan at the time of the sale or assignment. The amounts shown would indicate that this would be more than 16 % and I was not notified within the 45 days of this assignment that it also clearly states in the CFR. I had brought this to the attention of the interest charges were way to much and I am asking that they recast the discrepancy that I had originally requested before transfer to a servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Spoke to company on one occasion and requested validation and all paperwork pertaining to this debt ( XXXX XXXX XXXX ). Nothing was ever received. I disputed the validity of this debt at least 2 times with Equifax.. I did not receive any proof that this debt was valid nor did I receive any written correspondence from the collection agency or the Credit bureaus that this debt was authenticated. I spoke to the Credit agencies and they insist all information was validated. I have requested to have the information they used to validate on my report sent to me or to remove the account from my credit file. I have not received any information from any of the credit bureaus but they maintain the information was validated. This is in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01 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: CA

Complaint narrative:
My misery continues!!! 

I sent cfpb a complaint about Equifax reporting TWO Social Security Numbers for me when I have only ever had ONE SS # in my entire life!!! Complaint # XXXX. 

You reported that Equifax needed more time than the normal 14 days " investigate. '' Up to 60 days! 

I just received a letter from Equifax dated XXXX XXXX, 2017 saying they need {$8.00} and additional documents that authenticate my identity -- including ironically -- a copy of my SS # Card! 

This is outrageous. 

There is no way to report additional events on the original complaint. So I am opening a new complaint here. 

Please help me to regain singularity in my identity! 

One SS # is all I need. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has my account showing date of last payment XX/2017 a balance amount {$2900.00} a charge off amount of {$2900.00} My account was closed out onXX/XX/2017 as inactive and a balance of {$0.00} I was mailed a copy of this account with the account number. 
I have provided by mail to Equifax proof of the account there is no active account no last payment nor a balance on this account as stated on my credit file by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Previous complaint # XXXX I have contacted XXXX to process an dispute about Citibank deb was included in the 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 2017-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Capitol One for {$5100.00} opened XXXX/2015. Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
This formal complaint is against Nordstrom Credit Card. I have never ever been late on this Nordstrom account. 

Between XXXX and XXXX XXXX, I specifically visited and purchased numerous items from Nordstrom XXXX in XXXX, Texas where I reside. I was specifically going out of the country for 3 weeks and specifically asked an Assistant Manager by the name of XXXX, in person at the cashier stop if returning items where sufficient to meet the minimum payment due. Her exact response to my face was " yes, it XXXX take XXXX hours to process the refund. '' The amount of the refund was MUCH GREATER than the minimum payment due for XXXX payment, thus I comfortably left the Nordstrom XXXX store with return receipt in hand knowing a much greater minimum payment in a form of a credit due to returns would be applied to the card. 

Since this date, Nordstrom has violated the Fair Credit Reporting Act XXXX FCRA XXXX for erroneously reporting negative information directly due to their employee telling me facts which were wrong. 

They should see the history of the entire account since inception and see I am an exceptional customer, continuously purchase from Nordstrom and Nordstrom XXXX for years and absolutely ALWAYS pay on time for years. 

I have retained counsel and before we file a lawsuit, my lawyer suggested a complaint be sent to the Consumer Finance Protection Bureau, the Attorney General Office here in Texas and also the FTC. As of XXXX, XXXX XXXX, XXXX, all 3 complaints have been submitted. 

I am giving Nordstrom until XXXX XXXX, XXXX to completely remove the late payment from my Credit Reports due to their employee error and so they immediately stop violating the FCRA and causing willful damage and costing my much higher rates now and in the future with other creditors '. 

Thanks for your time. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2017, I received notice from a credit monitoring service that a collection had been added to my credit reports. I was completely unaware of the alleged debt that they claim was originally owed to XXXX XXXX XXXX XXXX. The amounts they claim I owe are {$59.00}, {$61.00} and {$1400.00} respectively. 

I never received ANY communication from them Commonwealth Financial Systems by phone or in writing stating that I owed this debt. They just " parked '' this debt on my credit reports probably hoping I would respond I thought I had to be given the opportunity to respond BEFORE they report it to the credit bureaus. I have never had ANY CONTACT WHATSOEVER with this company. 

Parking an old debt on my credit reports while being less than truthful regarding how they acquired the debt and not giving me the opportunity to research and respond BEFORE they report it to credit bureaus is at best a bad business practice and at worst a violation of my rights under the FCRA and/or the FDCPA. 

I did send a dispute letter to the credit bureaus ( attached ) disputing that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: MA

Complaint narrative:
XXXX XXXX - Attempted to utilize XXXX XXXX XXXX XXXX to buy an {$200.00} XXXX XXXX Card ( Order # XXXX ). The order was cancelled by XXXX. 
I reviewed the gift card balance to see the return of the {$200.00} to the gift card balance, but was returned to the card. XXXX confirmed that they never accepted any payment as the order was cancelled. XXXX XXXX XXXX, I contact BHN Customer Service to dispute this occurrence and was contacted to say they they need formal request to pursue further. I completed their investigation form and provided on XXXX XXXX. In late XXXX, i received notification that they were unable to resolve my dispute and said the issue is with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
In XXXX XXXX I took out a title loan in XXXX CA. I received {$2500.00} cash and had a XXXX payment on the XXXX and XXXX of each month. I made 4 payments on time and then fell behind. XXXX XXXX XXXX I sent them XXXX. Today, XXXX XXXX, XXXX they came to my house and towed my car way. They want another XXXX plus XXXX for the towing cost. 

I did n't receive anything in writing, and was called with only messages to call them back. I think it 's wrong that I paid the entire loan amount but still owe over 1000.00 in their fees and now they tow my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI

Complaint narrative:
yes i lost over internet scam inhertance fraud XXXX and XXXX XXXX over amount was {$40000.00} keep telling me a relative of my last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
on XXXX/XXXX/XXXX i used Western Union on-line services to send my son, who is in college, some money to eat because his food card did not have any money until the XXXX of XXXX. I wired him {$20.00} at XXXX so he could have dinner. I received a wire transfer number and was told that the transaction was under review and could take up to XXXX hours. It 's XXXX and the money still is not available for my son. He missed dinner because he could n't get the money. 
I 've sent money before and have received the same message but the money has been available no later than XXXX minutes. 
I 'm paying for money in minutes and the past several times it has taken XXXX hours or more. 
When I called western union, I was told it could take up to XXXX hours. UNACCEPTABLE. 
it 's false advertising, bait and switch and taking advantage of customers.

Company response to consumer: Closed with explanation