vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I purchased a trip with XXXX XXXX on XX/XX/XXXX for {$3500.00}. Due to weather conditions, the trip was cancelled. I submitted a dispute to the credit card company onXX/XX/XXXX At that point the credit card company issued me a conditional credit for the dispute. On XX/XX/XXXX, I received an email from XXXX XXXX, the vendor, saying that they were going to refund my money. On that same day, I cancelled the dispute request. On XX/XX/XXXX the credit card company said the dispute was resolved in my favor. For a short time, I had a double credit on my credit card due to the conditional credit as well as the refund from the vendor. However, the conditional credit was removed, under transaction number XXXX. The remaining credit for {$3500.00} was from the vendor, transaction number XXXX. I have called the credit card company at least 5 times to try to get a refund check instead of having a credit on my credit card. Each time I have called, I have spoken to a different agent. After the initial call, I was sent a letter saying that they couldn't issue the refund as it was the result of a conditional credit. I called them on XX/XX/XXXX and spoke Id # XXXX who agreed with my that the credit was not due to the conditional credit and said that I would have a refund direct deposited into my checking account. I called back on XXXX and spoke to XXXX ( an account manager ) who guaranteed that the. money would be in my account byXX/XX/XXXX. In the meantime, I was awarded a refund of {$15.00} which happens to be the same 4 digits as the proper amount to be refunded. on XX/XX/XXXX when the proper refund amount did not appear in my account, I spoke to another agent, XXXX who told me that she would make sure that the refund was processed. She also said that the XXXX was an agent mistake. She told me that I could expect a refund in 5-7 business days. OnXX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX saying that they couldn't process the refund as it appears the credit balance was the result of a conditional credit dispute. I called the company on XX/XX/XXXXand spoke the first of 2 agents ( ID XXXX ) who also promised me to have it processed. Then I received a call back from a supervisor, ( ID # XXXX ) who has now told me that they have to investigate first. This is the first I have heard of an investigation and all previous agents have told me that they would process the refund. As seen in attached documentation, for a short time, there was the double credit of over {$7000.00}. However as stated above the conditional credit was removed and I am only left with a credit of {$3500.00} from the vendor. I would like my refund!

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 2019-05-16 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The purpose of this letter is to inform you that my identity has been compromised and that the following items do not belong to me. I have file necessary paperwork and ask that you please remove the following accounts from my credit file. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX- XXXX XXXX- XXXX XXXX- XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX XXXXt- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-05-16 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:
XXXX XXXX I dispute this Collections account with Equifax fours Times over past 6 months, I reported this account a to the credit bureaus this account was deleted from XXXX and XXXX   however it remained on my Equifax credit report. I have attached all four disputes and I have attached Letter from XXXX saying that they sent a request to the credit bureaus deleting this account. I have exhausted all my options to dispute this file with Equifax but they refuse to delete this account from my credit report. This account was some how deleted on XX/XX/2019 then added back again to my account XX/XX/2019 and every time I call and talk to Equifax Costumer Service they have no knowledge that this was ever done which is an understatement to me because it is reporting on my credit report which is attached for those dates and secondly reporting on a third party website XXXX XXXX. Next I sent in this dispute by mail and Equifax responded that they where unable to find my account which is also attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ENHANCED RECOVERY COMPANY # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ENHANCED RECOVERY  COMPANY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ENHANCED RECOVERY COMPANY has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: MD

Complaint narrative:
I submitted a complaint regarding Equifax 's inaccurate reporting of a bankruptcy to no avail. Equifax states it receives it's public record information from XXXX Consumer Center however Equifax 's bankruptcy reporting on my credit file is not consistent with XXXX. The attached XXXX Consumer Report has " No Records Found '' listed in my Bankruptcy portion of my report. Please refer to page 11 of my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P.S.C., Inc
State: WA

Complaint narrative:
On XX/XX/2019 I discovered a wage garnishment, from P.S.C. Inc. located in XXXX Washington, on my pay stub, and asked the accountant at my work about it. They said yes there is a currant wage garnishment, for the amount of XXXX dollars, he asked if I was notified and I said no. I do know that I am supposed to get notice of this type of legal information before my employer so I can have time either to dispute or come to an agreement with said company. I have not received any phone calls or proper written information on this matter to get to the bottom of this.

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 2019-05-16 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: NY

Complaint narrative:
There was a recent dispute over fraud activity made on XX/XX/2019 about a hard pull. Capital One and I have had few conversations about it. Recently I went to consumer Financial Protection Bureau and capital one called me back on XX/XX/19 to remove the hard inquiry since it was fraud and not authorized by me. The problem was they said my date of birth did not match what I put on cfpb so I had to resubmit. I wanted to get this all straightened out with them as soon as possible with capital one and the credit companies so everything is accurate. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: CA

Complaint narrative:
Dear agent I sent you a letter requesting you to remove inaccurate information from my credit report. But, I find after reviewing my report with your bureau, that the disputed item is still listed. I request that you describe the procedure adopted to verify this claim, along with the names of the businesses, addresses, and phone numbers of those who have been contacted during this process. This is my right under the Fair Credit Reporting Act. 

It is disappointing to find a credit bureau does not following the proper procedures and does not maintaining the accuracy norms. I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days. In addition, I would like to resubmit my request to have these items verified ( State the reasons for disputing this negative mark ) balance shown 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 2019-05-17 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: FL

Complaint narrative:
A couple years ago I was involved in a medical data breach and my personal information was exposed. I never checked my credit because I didn't have a reason until recently. My wife and I are planning to buy a house and I was informed I have accounts on my credit that I did not open. I contacted the companies directly but received no response.

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 2019-05-17 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: FL

Complaint narrative:
A couple years ago I was involved in a medical data breach and my personal information was exposed. I never checked my credit because I didn't have a reason until recently. My wife and I are planning to buy a house and I was informed I have accounts on my credit that I did not open. I contacted the companies directly but received no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The purpose of this letter is to inform you that my identity has been compromised and that the following inquiries do not belong to me. I have filed the necessary paperwork and ask that you please remove the following accounts from my credit file. 

XXXX 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 non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On or about XX/XX/XXXX, I, XXXX XXXX XXXX contact my bank to confirm that the Treasurer of Virginia on behalf of Virginia Department of Health Professions was certified funds in the amount of {$300.00} for the reinstatement of my XXXX XXXX license and receipt of such confirms that Wells Fargo Bank, N.A. is also the the banking institution for the Virginia Department of Health Professions ; like most Commonwealth of Virginia agencies. The Commonwealth of Virginia/Department of Health Professions/Board of XXXX has been taking up action against XXXX XXXX XXXX on behalf of Wells Fargo Bank, N.A. with the most recent evidence being this check and secondary evidence being an unlawful detainment of XXXX XXXX XXXX in XXXX facilities and taking action against XXXX XXXX XXXX as it relates to the unlawful detainment and/or involuntary detentions ; dating back t XX/XX/XXXX to the present. A third of the fees utilized to pay these fees to the Virginia Department of Health Professions was from a portion of the misappropriated fees in a property inspection case by Wells Fargo. The only requirement was that the check or money order be made out to the Treasurer of Virginia.

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 2019-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your  reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. 
I am currently SELF Employed please remove XXXXXXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX I never work for these companies. 
XXXX XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2019-05-17 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: MD

Complaint narrative:
I've submitted several disputes to Experian regarding the inaccurate reporting of a bankruptcy to no avail. Experian states it receives it's public record information from XXXX XXXX XXXX however Experian 's bankruptcy reporting on my credit file is not consistent with XXXX. The attached XXXX XXXX Report has " No Records Found '' listed in my Bankruptcy   portion of my report. Please refer to page 11 of my XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CA

Complaint narrative:
The company Checkr and the company XXXX XXXX are reporting information that is older the 7 years. Its complicating my ability to obtain work. I reach out to both companies and they wont correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I found this unrecognized account CHOICE RECOVERY INC # XXXX*Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: American Credit Acceptance, LLC
State: IL

Complaint narrative:
I have been trying to get this company to report each month to the credit agency 's our monthly payments and correct balance for almost a year now. I have been monitoring my husband and I credit report every month and to no avail American Credit Acceptance will not report every month like they should. Which is causing every month for my debt to income with my car loan not to decrease every month. I received my credit report from XXXX  today and the last time this company reported was XX/XX/19. Today is XX/XX/19, and they have not reported my XXXX payment. I was told three months ago when I spoke with a rep that they knew of the problem and would fix it, but the problem still exist on my husbands and I credit reports. My husband and I could not be the only consumers having this problem. I pay them every month, they need to report to the credit agency 's every month. If they didn't get their payment I bet they would report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. 
I am currently XXXX XXXX please remove XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I never work for these companies. 
XXXX, XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove :XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2019-05-17 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: Innovis
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. 
I am currently XXXX XXXX please remove XXXX   XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX I never work for these companies. 
XXXX, XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove :XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX   ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with explanation