vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NY

Complaint narrative:
Good Morning. Last week I took advantage of requesting a copy of my free annual credit report. Everything was in order except the inquiry section. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DE XXXX inquired in my credit 82 times between the dates of XX/XX/XXXX and XX/XX/XXXX. I do not have an account with Discover. I tried to contact them by phone on XX/XX/XXXX, and because I do not have an account, the representative could not " help '' me find answers, and they referred me to a credit reporting agency. I tried to call XXXX, but none of the phone prompts would bring me to someone I could speak to. This week I received another mailing from Discover, and because of what I have learned about their inquiry methods, I opened the offer of credit and logged onto a site they referred to in their mailing called XXXX. I am furious that Discover " hit '' my credit report this often and most likely affected my credit score and thus increased interest rates I am paying on legitimate trade lines I have applied for and use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Attempted to transfer funds, using XXXX, from a Sun Trust account to a XXXX XXXX account. 

The recipient is affiliated with two accounts. " A '' a joint account and " B '' a personal account. The transfer was completed but did NOT go to the account I stipulated, account " B ''. 

On XX/XX/XXXX {$300.00}, on the XX/XX/XXXX {$1000.00}, the XX/XX/XXXX {$1000.00}, the XX/XX/XXXX {$1000.00} and the XX/XX/XXXX {$500.00} was transferred. 

I went to my local branch and spoke with XXXX, I was told that I must have input the wrong account number. That process was checked and rechecked and NOT correct. I was told that Sun Trust was unable to tell where the funds went. She then called Sun Trust, somewhere, and spoke with XXXX. she said that account " A '' must be my son 's primary account and that is why the funds went to it and not to account " B ''. I asked, " Of the two accounts I have with Sun Trust which is my primary '' she had no answer. 

I can find no credence or validity to XXXX 's explanation.

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 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I recently filed a complaint on the collection tactics utilized by XXXX XXXX on behalf of XXXX and they are now retailiating against me because I filed with CFPB. On Friday, XX/XX/XXXX, I returned a call to their office from a voicemail received from - Sr. Specialist XXXX - - XXXX Ext XXXXand threatened to take legal action! 

I just spoke to XXXX XXXX on Friday at XXXX Ext. XXXX and paid {$200.00} per our Special Hardship Agreement due to our extenuating Financial circumstances, since my daughter was hospitialized in XXXX for over 34 days and I am currently unemployed and seeking full-time employment. XXXX XXXX is in the Hardship Department and has me set up for the {$100.00} per month as agreed and would be paying another {$100.00} on XX/XX/XXXX. We have gone through a lot with our daughter which has affected us financially ad emotionally and we are also U.S. Veterans who have served our Country during XXXX and this type of unethical tactics has to stop. 

I am tired of being harassed by XXXX XXXX and I am requesting them to cease in their maneuvers against me through your retailiatory, demeaning and undermining tactics because I reported you to CFBP. Stop Retailiating!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: PA

Complaint narrative:
I recently modified my mortgage. All payments have been paid on time. Selene finance is holding XX/XX/XXXX and XX/XX/XXXX payments in a suspense account and will not apply them to the mortgage. This is now showing as being two months past due and Im receiving calls and letters. The mortgage is not past due. Ive called many times and been told it would be corrected in 24-48 hours. Never happened. Ive also been told there is nothing we can do about it. Customer service is quite rude and changes their version of events every time you speak with them. My account is not past due, Ive paid every month on time yet they are refusing to apply the payment for no valid reason. Its as if they are trying to force me back into default when I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: NY

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had be file with the FTC and a police report. 
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # 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 2018-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RELIANCE FIRST CAPITAL LLC
State: CT

Complaint narrative:
On XX/XX/18 I called Reliance First Capital to learn more about financing options for a condo that I own. They took down my information and ran a hard inquiry on my credit without my approval. My call was strictly to learn about potential options for financing the condo as I was shopping around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: IL

Complaint narrative:
I have been disputing with Transunion since about XX/XX/XXXX. They started responding to my request after they have sent me numerous letters from the months of XX/XX/XXXX-XX/XX/XXXX. Stating that my debt is accurate and verified but they have yet to provide me with any proof of the accuracy and the method of verification a list of accounts I need verified are below. 

XXXXXXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXX XXXX account # XXXX Please provide original instrument of indebtedness bearing my signature. 

XXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXXXXXX XXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXX  account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXX XXXX XXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

My most recent dispute attached below please review

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: LD Holdings Group, LLC
State: MD

Complaint narrative:
Spoke to Loan Depot after making an inquiry on XXXX XXXX. Told them I did not want to go forward with an application and I don't consent a hard pull. They have this recorded and they confirmed it. 

They pulled my XXXX  Credit Report. 

I contacted them to correct and they said they didn't know how. I contacted XXXX, but you can't dispute an inquiry online. I called, but their phone tree isn't working. Tried several times with several different phones. It makes you say or input your SSN, but doesn't recognize it when you input it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Spoke to XXXX XXXX after making an inquiry on XXXX XXXX. Told them I did not want to go forward with an application and I don't consent a hard pull. They have this recorded and they confirmed it. 

They pulled my Experian Credit Report. 

I contacted them to correct and they said they didn't know how. I contacted Experian, but you can't dispute an inquiry online. I called, but their phone tree isn't working. Tried several times with several different phones. It makes you say or input your SSN, but doesn't recognize it when you input it.

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 2018-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Paying off an installment since XX/XX/XXXX, I have had some issue paying on time due to lags in employment and low wages. I was able to get my bi weekly payment date changed to coincide with my new job, starting XX/XX/XXXX. I paid on time on XX/XX/XXXX and was notified via email by the company on XX/XX/XXXX that my next payment was due on XX/XX/XXXX. They deducted the amount two days early on XX/XX/XXXX. I did not have the funds to cover the amount and now have a negative checking balance, which is increasing due to over draft fees daily. I have no money to eat, travel, or pay other bills with as this will take up a big chunk of my paycheck on XX/XX/XXXX and will result in me being late on my phone bill, due this month and my rent due next month on the XX/XX/XXXXXXXX. I contacted the company via phone and was told there was no reason as to why the funds were taken out early and that it could take days to sort this out and I was denied a definite yes or no on whether or not they would pay overdraft fees. I was also not given a time frame towards any solution. Just an email to send copies of my bank statements. Please help as soon as you can as I have no money and way to get to work after today. I was also told that my next payment date of XX/XX/XXXX still stands. I mistakenly took out a smaller, payday loan in an attempt to act as a buffer, but it did not come in on time and was too low, now I have that to deal with as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/2018 I entered into an agreement with XXXX XXXXXXXX ( representing NAVIENT ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, Navient only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called Navient directly and they keep saying it will take more and more time. I called XXXX XXXX Navient 's collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: FL

Complaint narrative:
I wrote letters to XXXX, Transunion, XXXX  on the following dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning XXXX XXXX account & XXXX XXXX XXXX on my report that needed to be validated. I asked on all instances to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they had on file for the accounts listed. 



They did not remove the account after the 30 days however they removed XXXX from 1 bureau but then reinserted the account without providing any documentation validating the debt or any notification prior to reinsertion The XXXXXXXX XXXX XXXXXXXX account was updated to non charge off however no information was ever provided to validate. 

I have been XXXX for 10 of the past 15 years of my life and have had my identity used while being 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 2018-06-21 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: OH

Complaint narrative:
I have submitted an identity theft report and the FCRA 605b ( 15 U.S.C. 1681c-2 )  statement to have an account from XXXX removed and the account was not removed. The FCRA 605b ( 15 U.S.C. 1681c-2 ) states that : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. This was not done. They just did they regular dispute process and they did not remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
There are inquiries on my credit reports that does not belong to me. I didn't authorize these inquiries. I have contacted the credit bureaus and I have not received any resolution. I have good credit and I am very careful how I utilize my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX delinquency on my credit account showing as negative the account was open in XXXX and still showing on my credit account profile. XXXX XXXXXXXX sold the debt to XXXXXXXX XXXX in XXXX and they posted in my account as opened in XXXX. This account was original opened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I contacted IC Systems on XX/XX/2018 in regards to a debt they are reporting on my credit report from XXXX XXXX XXXX. I was connected with XXXX XXXX XXXX ( ID # XXXX ). I explained to XXXX XXXX that I had previously contacted the XXXX  regarding this debt as it did not belong to me ( it belonged to my ex-son-in-law ). As a result of my XXXX complaint, XXXX agreed to remove the account from my name and delete the credit notation. XXXX XXXX indicated that he would mark the account as " disputed. '' I then asked what the process would be from there, and XXXX XXXX replied that IC Systems would take no action until they heard from XXXX. I informed him that it was IC Systems that was reporting information to the credit bureau, not XXXX, and that they are responsible for the information they report. As such, I urged that they contact XXXX to verify the validity of the debt they were reporting. His response was that it was not their responsibility to contact XXXX, but rather that it was my responsibility because it was my debt. I told him if they did not research the debt I would contact the XXXX. At that point, he provided his name and ID # and the call ended, with IC Systems continuing to refuse to research the debt they are reporting. I did follow up with a XXXX   complaint which is currently pending.

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 2018-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2018 I entered into an agreement with XXXX XXXX ( representing XXXX ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, XXXX only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called XXXX directly and they keep saying it will take more and more time. I called XXXX XXXX XXXX XXXX collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.

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 2018-06-21 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: CA

Complaint narrative:
On XX/XX/2018 I entered into an agreement with XXXX XXXX ( representing XXXX  ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, XXXX only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called XXXX directly and they keep saying it will take more and more time. I called XXXX XXXX XXXX XXXX collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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:
On XX/XX/2018 I entered into an agreement with XXXX XXXX ( representing XXXX  ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, XXXX only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called XXXX directly and they keep saying it will take more and more time. I called XXXX XXXX XXXX XXXX collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.

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 2018-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are inquiries on my credit reports that does not belong to me. I didn't authorize these inquiries. I have contacted the credit bureaus and I have not received any resolution. I have good credit and I am very careful how I utilize my credit.

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 2018-06-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are inquiries on my credit reports that does not belong to me. I didn't authorize these inquiries. I have contacted the credit bureaus and I have not received any resolution. I have good credit and I am very careful how I utilize my credit.

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 2018-06-21 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had be file with the FTC and a police report. 
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX XXXX Police Report # XXXX

Company response to consumer: Closed with non-monetary relief