vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 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: MA

Complaint narrative:
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, equifax, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: SC

Complaint narrative:
My home was foreclosed on in XX/XX/2011 with XXXX XXXX XXXX having first mortgage and they also had a second. 
The foreclosure was a non judgement and the second was sold off to Real Time Resolutions, amount owed XXXX. I have verbally warned them for years do not contact me pursuit to section 805 of the FTC collection act via telephone however I will correspond via mail. However, they continue to call. Everytime I get a new number, or at mothers land line, they call. And I tell them again.or sign up for the DNC registry. Today they called three times in a row after I warned them. They have threatened me with garnishments, all types of ways to scare me into paying this debt. I am on XXXX  XXXX with zero assets. I have had enough of their calls and flagrant disregard for my FTC warning. XXXX XXXX is the other that also calls without regard to my FTC warning. They are from overseas and call without care or regard. I want this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: ME

Complaint narrative:
I HAVE A LETTER STATING THEY WILL REMOVE ANY PAST DUE AMOUNTS AND HISTORY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: FL

Complaint narrative:
XXXX was contacted through the CFPB to show this account as closed. According to their response, they have notified Transunion, XXXX, and XXXX  that this account has been paid in full and should be reported as closed no longer showing a derogatory account on my credit report. Please correct this and show as a closed account and no longer a derogatory 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 explanation
Consumer complaint received 2018-06-07 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: IL

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS!

Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 118 ) days and no response yet.

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 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX Portfolio signed a certified letter with return of my dispute that I sent to them. I checked my credit profile on XX/XX/XXXX and Portfolio FAILED to mark my account " DISPUTED ' which is REQUIRED by the Fair Credit Reporting Act and the Fair Debt Collection Reporting Act. Nor have they sent me any proof that I owe this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This account was previously disputed and removed from my XXXX Credit Report in XX/XX/2016 under XXXX XXXX. Now it has been put back on my Report by XXXX XXXX. 
As I have explained to them this is not my account. I know nothing about it, and it should not be on my Credit Reports.

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 2018-06-08 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: DC

Complaint narrative:
Transunion, XXXX and XXXX has failed to updated my credit report and hold creditors responsible for false information. I did not give them permission to sell my information to a collection agency. They did not contact on any of the delinquency.

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 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX Security credit services continue to call and threaten me and my family about account that was opened on XX/XX/XXXX. The company states that I own {$1000.00} I have no idea what this for and I didn't have an account with them are the company that they are representing. This has been placed on my credit report and I have disputed it multiple times asking for the original signed copy of our contract. But Security credit services refuse to provide and it continues to get verify on my credit report as accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Hello. I purchased an item from a merchant using an AMEX Serve prepaid card. The item arrives faulty merchant declined to accept return. I startes a dispute, while dispute was pending i called AMEX to check status at which a representative told me claim was approved and merchant would refund. I asked what i could do with item she said anything i want since merchant agreed to refund i gave item away. Next week i get email saying dispute was closed in merchant 's favor. So im stuck with no refund and no item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One admits error in stopping payment on a close out check sent to myself on XX/XX/XXXX, they reissued check which was intercepted by someone else while I was away and cashed. However, they refuse to reimburse me for lost funds which they still owe me. The check amount is XXXX plus overdraft fees incurred as a result of stop payment error, documentation of these fees was previously emailed to an address provided by Capital One manager ( s ), no response received. A copy of the cashed check in question was received by myself, I had requested a copy from a manager ... The signature on it is not mine and Capital One knows this, they have a signature on file form I believe, they still refuse to do anything. They refer me to security intake team whom does not return calls, the same for a XXXX XXXX, she leaves her number in previous replies to CFPB but has not returned one message out of seven ( 7 ) left so far. She refers to a previous check deposited via mobile app from a XXXX XXXX whom I do not know, this is the same person who signed check in my name, cashed it. The check she refers to I have no knowledge of and has nothing at all to do with forged check, this appears to be a lame attempt to avoid reimbursement of lost funds which again, is in their error. She requests additional copies of documentation showing overdraft and return check fees, refers me back to security intake team whom does not return calls/messages, the same for herself. As anyone can plainly see, this is a mere run around which is a shame as this matter wont go away. Suit will be filed unless Capital One will reimburse for lost funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-08 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: DC

Complaint narrative:
XXXX, XXXX and Equifax has failed to updated my credit report and hold creditors responsible for false information. I did not give them permission to sell my information to a collection agency. They did not contact on any of the delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: DC

Complaint narrative:
XXXX, Experian and XXXX has failed to updated my credit report and hold creditors responsible for false information. I did not give them permission to sell my information to a collection agency. They did not contact on any of the delinquency.

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 2018-06-08 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: IL

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime.

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 2018-06-08 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: FL

Complaint narrative:
After going through a divorce i order my credit report and i notice a inquiry from XXXX XXXX. I did not authorized this inquiry and I want it removed as soon as possible.I notice it appear two timesvXX/XX/2017 and XX/XX/2017 I notice that XXXX XXXX   give anyone a credit. I also have a credit card from XXXX XXXX XXXX XXXX that I want removed from my credit because i did not open that account. I don't want it closed i want it removed.I did not open this account and i didnt benefit from this account being open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK
State: PA

Complaint narrative:
Opened savings account on XX/XX/XXXX with XXXX XXXX and was not given any indication that access to my money would be limited to no access at all within 60 days of account opening. Set up a transfer to transfer money on XX/XX/XXXX from my Popular account to my external bank ( same account that funded account at Popular ). Transfer failed. Called XXXX XXXX and they said they limit access to all accounts during first 60 days and only way to access would be to send them a bank statement to prove account ownership. Otherwise there is no way to access my money. Spoke to a supervisor XXXX who said that's how they do things. Transfer to external account from my Popular account on Popular 's online banking is also locked. How can a financial institution lock access to account holders for 60 days unilaterally and across the board as a policy? Absolutely ridiculous ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, I received a decline from a an apartment in DC. The reason given was Guarantor required. As per my XXXX XXXX report all of my accounts are open and paid on time and my score was a lot higher on XXXX XXXX then on Transunion. I received a copy of the rejection from the leasing agent indicating my scote to be approximately 7oints lower .Also, I have yet to receive a copy from Transunion explaining the specific reason I would require a guarantor. I have attempted to contact Transunion via telephone and have not been able to get through.

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 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a mobile deposit on Monday XX/XX/XXXX. One hour after deposit I did some research and notified the bank and my bank of possible fraud. I repeated and plead for the check to be removed out of my account as the person who paid me was fraudulent. I was promised over and over it would be removed. I have spent day after day to try and resolve this matter. Now my account is froze and showing a negative balance. BBVA compass gave me the run around and would not remove fraud check off my account when I am the one who notified them of the problem and now it is stopping a direct deposit from coming in positive and now funds are showing negative in my account. I have spoke to many people and supervisors regarding this incident and now I have no money for my children. The check was for {$1900.00},. It was a bad check and I have emails and conversations with the scam artist. I also notified XXXX XXXXXXXX XXXX in Florida and I also spoke with XXXX and the bank is now known as XXXX XXXX in XXXX XXXX Florida. A direct deposit will be coming in On XX/XX/XXXX for my co owners account for {$1200.00} and my account is showing a hold of a negative balance. I am trying to resolve this issue and have provided both banks with a copy of the fraudulent check. I have been contacting for 4 days to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: MO

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX continue to call and threaten me and my family about account that was opened on XX/XX/XXXX. The company states that I own {$1000.00} I have no idea what this for and I didn't have an account with them are the company that they are representing. This has been placed on my credit report and I have disputed it multiple times asking for the original signed copy of our contract. But XXXXXXXX XXXX XXXX refuse to provide and it continues to get verify on my credit report as accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery has placed an account on my credit history for {$450.00} as of XX/XX/2018. I have asked for some form of signed documentation showing were I have an unpaid account with them but they refuse to provide it. This account has been disputed and it continues to report falsely to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I lost my card on theXX/XX/XXXX, reported it stolen on theXX/XX/XXXX after checking my online statement and seeing someone was using it. When I went to the bank to close the account, I filed a dispute for the claims that I didn't make and the banker told me the account would be frozen and closed after the investigation was completed. About a week later a total amount of {$1600.00} was reversed on to my old account and I was told by three different bankers that a check for that amount was being sent to my home. As I patiently waited for the reimbursement check, I opened a new checking account with the financial institution. I received an insurance check in the amount of {$3700.00} on about XX/XX/XXXX for a car accident I was involved in on XX/XX/XXXX to repair my car. A few days before my car was scheduled to be released from the shop, I noticed that {$1100.00} was withdrawn from my new checking account due to rejection of my claim and I still hadn't received the reimbursement check of {$1600.00} that I was told about on multiple occasions. I went to multiple branches of the bank, spoke to many bankers, and people in their claims department over the phone and nobody could give me a definite answer to what happened to my money. When I spoke to a supervisor I was told there was nothing that could be done at that point unless I toke actions into my own hands by hiring a lawyer and notifying my local police department. So I had to take my car out the shop ( without it even getting worked on and on top of that I had to pay a {$500.00} storage fee just for having them keep there with no work done ). I feel like the lost of all this income could've easily been resolved had the bank investigated my claim correctly the first time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
there are few things going on with my credit .well known companies are damaging my credit one month to another month ,1 yr to another year.XXXX even forgive a mistake but not these XXXX XXXX companies ,1 late payment in last 8 years still reporting to credit bureu , lost house lost my cars after my husband sudden death threw me off with everything, after husband died had XXXX XXXX could not work, i had to raise XXXX children on my own, it was tough but i made it, things are much better financially but these companies continue to kill me and wont forgive me for late payments, they took my house for XXXX dollar debt left to pay off mortgage XXXX XXXX XXXXXXXX sold my house for late payment, did not regard my 20 yrs of payment i made XXXX dollar down payment we made to buy house,XXXX dollar house they sold for XXXX debt late payments and turned out sold for XXXX XXXX dollar, investor who baught my house selling for XXXX dollar, XXXX XXXX XXXX contnue to report late payment on my XXXX cont to do negative reporting XXXX wont forgive me either, honda finance took both vehicle we had my husband made XXXX dollar down payments to buy those cars.he also traded my XXXX at that time but for late payments they took away my car sold it after we made three years of payments.recovered their money got their vehicle but put XXXX dollar for me to pay them. 
i am a biggest looser in this life lost everything except hope.with hope only i want to stand again and start life, but these XXXX XXXX companies wont let me do any thing i am tired of sending them letter to explain why payments were late? asking for forgivness but they are deaf they dont care i wish if i would have died too along with my husband becouse these companies are killing me any ways, i cant buy house i cant buy any vehicle.i am exhousted fighting with them, please help me if u can or i will believe no one is out there to see my tears and hear my cry XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation