vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: KS

Complaint narrative:
Nelnet has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank Credit Card Collections Department charged my US checking account without authorization on XX/XX/XXXX. The amount is {$790.00} which they claim is for the US credit card payment due. The US credit card with US Bank I have is in disputed status due to excessive fees and interests charged. 

US Bank Credit Card Collections department sent notice that arrived on XX/XX/XXXX XXXX ( mailed oXX/XX/XXXX ) to state they are going to charge my checking account, not allowing time to dispute. 

I called US Bank today and notified that this transaction was not authorized, disputed it, and requested return. The US Bank stated no intent to return the funds.

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 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Our mortgage for XXXX XXXX is not being reported on our credit report and is adversely affecting our credit scores and causing us to receive higher interest rates on credit cards and car loans. We have previously reported the issue with CFPB complaint number XXXX and this problem needs to be fixed. According to XXXX XXXX customer service they are reporting to the following credit reporting agencies : XXXX, XXXX, XXXX and Trans Union but our mortgage is not on the 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 2018-04-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax on XX/XX/2018 to submit disputes on line. They said they would advise me of up dates and never did. Then when I tried to check the results it would not let me download. Then I tried to chat and call someone and can not get any help. They did not advise me of results within 30 days so these items should be taken off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Statement balance of {$5000.00} was due on XX/XX/2018. On XX/XX/XXXX, I paid the the statement balance off in full, well before the due date. On XX/XX/XXXX, I received a statement indicating I owed {$39.00} in interest charges. There was no cash balance on my account therefore should not have been charged finance charges on the account. I contacted Capital One via chat and was not they did not have the option to waive the charges. The first CSR stated " The amount in question is interest that is owed on unpaid balance from the time between when Capital One calculates the balance due and sends a statement, to the time the balance is paid and we process the payment '' I was then transferred to a " Supervisor '' when I was not willing to accept their response. 
The supervisor stated he also did not have an " option '' to waive the charges. 
Adding insult to injury the statement indicated to avoid finance charges on my next statement on new purchases I should pay {$4800.00} as an Interest Saver payment. 
The information is conflicting and not clearly outlined. If I was to pay more than those two amounts quoted on their statement, it should be included. I am requesting the charges removed from my account, in addition to any other credits they are able to provide for their lack of consistency.As such a largely recognized company they should be a bit more clear and willing to do more for their customers in good standings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Our mortgage for XXXX XXXX is not being reported on our credit report and is adversely affecting our credit scores and causing us to receive higher interest rates on credit cards and car loans. We have previously reported the issue with CFPB complaint number XXXX and this problem needs to be fixed. According to XXXX XXXX customer service they are reporting to the following credit reporting agencies : XXXX, XXXX, Experian and XXXX XXXX but our mortgage is not on the 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 non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Innovis
State: IN

Complaint narrative:
Our mortgage for XXXX XXXX is not being reported on our credit report and is adversely affecting our credit scores and causing us to receive higher interest rates on credit cards and car loans. We have previously reported the issue with CFPB complaint number XXXX and this problem needs to be fixed. According to XXXX XXXX customer service they are reporting to the following credit reporting agencies : XXXX, Innovis, XXXX and XXXX XXXX but our mortgage is not on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar ( mr.cooper has been marking me late from XX/XX/XXXX thru XX/XX/XXXX.The error occurred when they allowed me to defer one payment they did approve. They have refused to correct the errors they made do my account. The Attorney General Office has asked me to make XXXX XXXX, XXXX aware of what is happening to my credit score. Nationstar has marked me late over 8 months over the past year. I have enclosed all my payment records and correspondence with Nationstar ( mr.cooper ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
On NCC Business services called my place of work irrately for a debt that isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Home Depot has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This is the second complaint filed against citibank today The previous reference complaint number is XXXX This complaint is for another refund not credited to our bank debit card account On XX/XX/XXXX XXXX   XXXX credited our account in the amount of XXXX According to XXXX XXXX the credit was issued on XX/XX/XXXX at XXXX XXXX XXXX XXXX  said that we should have been issued the credit already I still have not received the credit and called Citibank but they again have said they have not received anything from XXXX XXXX Something is definitely going on with our account This is 2 refunds not being credited by citibank Please check into as soon as possible This is money that needs to be put back into our account and used for our bills

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 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
Debt was filed with insurance company

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 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a letter from my bank Wells Fargo on XX/XX/XXXX stating that XXXX $ was taken from my checking account. The letter stated that they received a legal order to deduct money from my account. 

I have no idea what this is about. I was never contacted about any debt that I owed. 
The attorney that I have been trying to reach that was provided by Wells Fargo is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Case NO : 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 2018-04-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have an investigaton with CFPB involing XXXX XXXX XXXX on my equifax I have paid aall payments ontime except when I was hit by two natural Disasters Equifax says they need more time to investigate this I feel Equifax should change XXXX XXXX XXXX to Current never Late on my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Once again I am writing you because of Equifax and their online dispute keeps telling me that The information provided does not match their work now I just sent a complaint over about this same matter and once they responded I was able to log in with the same information I was providing prior but I wasnt until I sent a complaint to the CFPB that I was able to log in. So once I logged into my account and got past the security questions it timed out. I typed in the same information and it wouldnt let me get pass the personal information like name, bday, address now I just logged in 10 mins prior With the same information that I tried again and now all of a sudden he say the information provided does not match. Then the second set of security questions are not accurate I provide the answer to the questions and it say it doesnt match now all of a sudden. I would like this issue resolved Due to inaccurate information on my credit report thats damaging my credit. I should be able to submit my dispute online. This is the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I submitted a request for a credit line increase online with my XXXX XXXX XXXX card through XXXX bank. When I requested there was an option that had a check box which allowed XXXX  to access your credit report. Below that it had a statement which reads " Please note that we can still review and consider your request for credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox ''. In order to prevent a hard inquiry on my credit report I did not select the checkbox, however a hard inquiry was still made on my XXXX credit report. I called in XX/XX/XXXX to XXXX bank and was told by the customer service rep there that I would have to dispute through the credit bureau. XXXX the credit bureau stated the only way it would come off is if it was a result of fraud, otherwise I would have to contact XXXX bank to have it removed. This morning I called again and spoke with a customer service representative who transferred me to XXXX ( ID XXXX ), She told me she was a supervisor and that although the option to not have your credit report accessed is there, it is still done anyway. She also informed me that the hard inquiry would stay on my report. I informed her at the time that this is misleading to the consumer and I would have understood a soft inquiry but would have never requested the increase if I knew it would negatively affect my score with an unwanted hard inquiry I have included copies of the actual statement that is on the website informing the consumer that they can still review and consider a request for the credit limit increase without accessing your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2018, I received a letter from the Credit Bureau concerning incorrect information on my account with XXXX 's. I supplied documentation with my submission of my complaint and was told that they never received any documents with the complaint through Consumer Financial Affairs website but they were able to correct my dispute with the account of XXXX XXXX which the documents for this dispute was attached to the complaint with XXXX 's. I am submitting documents from a complaint I filed against XXXX XXXX XXXX who XXXX 's contracted which states that they no longer have this account as of XX/XX/2018, also a copy of a account statement from XXXX 's stating that this account is {$0.00} balance along with a statement where the XXXX I returned was returned to this company and they were still charging my account which led to incorrect information in my file. It's sad that you can not get anyone to do their job and actually investigate the problem and the only thing a company has to do is to submit electronically without any evidence stating ACCOUNT IS VERIFIED AND ACCURATE. The credit reporting agency do not ask for any documentation but take their word and I have submitted several complaints and uploaded documents and I am still fighting to get rid of inaccurate 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 explanation
Consumer complaint received 2018-04-24 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: MARINER FINANCE, LLC
State: VA

Complaint narrative:
XXXX of Mariner finance has been reporting incorrect information to my credit report since his company acquired my loan back in XX/XX/XXXX. I have spoken with him and other employees within his company and nothing has been correct. Back in XX/XX/XXXX XXXX has requested a garnishment of my wages. The court case was in XX/XX/XXXX of XX/XX/XXXX and one check came the day after the court date and he refused to go to the court to pickup the funds. So they were sent back to my employer and then back to me. Just recently he took me back to court again to garnish my wages for the same amount that he refused to pickup after the clerk of court reached out to him to make him aware that the payment came in right after the court hearing and was dated within the garnishment dates.

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 2018-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
ALLY bank does not include outstanding loan balance on their monthly billing on my new car loan with seems rather suspicious. They also use a third party vendor in XXXX, XXXX to handle accounts, thereby giving American personal credit and social security information to parties in third world countries not bound by US law or criminal enforcement.

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 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Please be advised that this is my THIRD WRITTEN REQUEST asking you to remove the unverified accounts listed below that remains with your company as owed, in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed owed to your company. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Before account was handed over from asset acceptance Ive requested for account XXXX to provide accurate documentation of validation of debt that Ive failed to receive, as well as this information was requested with your collection representative XXXX XXXX along with account XXXX. I was informed that this information doesnt need to be provided because a judgement was already in place. As a consumer it is my right to receive validation of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have an investigaton with CFPB involing XXXX on my equifax I have paid aall payments ontime except when I was hit by two natural Disastersh hit Equifax says they need more time to investigate this I feel Equifax should change XXXX to Current never Late on my Equifax credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Im a victim of The Transunion hard inquiry scandal. All inquiries were manually removed from my account via financial consultant ( paid service ) then later added a few days later causing my credit score to drop tremendously. Even lower than previously. It was if all the inquiries were all inquired at once. I spoke to a Transunion representative to see if they could clear my inquiries but they claim that I was not effected by their scandal when it was obvious that I was. Transunion has not been any help. The following inquiries were previously removed from my account before re-added by Transunion : XXXX XXXX  Delaware. 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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 explanation