vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF THE WEST
State: IA

Complaint narrative:
Previously had checking account with Bank of the West, XX/XX/XXXX-XX/XX/XXXX, overdrawn once & was charged {$5.00} a day for everyday overdrawn plus customary {$25.00}, other fees,, total of {$550.00} Now this is showing as negative/ derogatory on credit report, is such daily overdraft charges legal? Never known of another financial institution having such charges, feel these are unfair, outrageous charges, I have applied for my VA home loan benefit feel this might hinder progress

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 2018-12-20 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: FL

Complaint narrative:
I have tried on 2 other occasions to get TransUnion to update my balance to the correct amounts, my creditor all have different balances according to my account records as of XX/XX/2018 : 1. XXXX/XXXX  # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$570.00} -- -- - 2. XXXX/XXXX # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$470.00} -- -- - 3. XXXX  # XXXX - Please correct the balance on my credit report, my balance should be XXXX, NOT {$160.00}

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 2018-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have had 2 accounts that have been reported to my credit report since approximately XX/XX/XXXX by portfolio recovery associates. I had never received any communication from them what so ever until I had applied for credit and got declined stating that I had a derogatory item listed on my credit report. When I pulled my credit report I had not one but 2 accounts listed from them showing an open date of XX/XX/XXXX but a first  reported date of XX/XX/XXXX I immediately disputed both items in which they both came back verified. I had disputed them again with the same outcome. 

Further review of my credit reports is showing that the terms of these 2 accounts is listed as 1month terms. According to the following from the FDCPA : FDCPA 807 ( 2 ) ( a ) : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt I do NOT have any terms with this company on either one of these accounts.

This is one example of a violation that Portfolio is reporting on both of these accounts and with all 3 credit reporting agencys.

Another one is regarding Portfolio NOT reporting the date of first delinquency. Citing the FCRA 623 ( a ) ( 5 ) : Duty to Provide Notice of Delinquency of Accounts ( A ) In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

Clearly we are way past the required 90 days as this account has been reported to my credit report since approximately XX/XX/XXXX. As of now, both of these accounts do not have the date of first delinquency on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I contacted all three credit bureau via certified mail to have this hard inquiry from XXXX XXXX XXXX XX/XX/18 and XX/XX/18 investigated/ removed from.my credit reports. It has been 30 days and I haven't heard anything about my request, which violates the FCRA laws that protect consumers and States that the bureaus is to report accurate information and respond to disputes in a timely manner. This hard inquiry has affected my credit score and caused me hardship and stress because I was looking to purchase a home for my XXXX kids. I have been denied credit and home loans due to my credit score decrease

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 2018-12-20 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: WI

Complaint narrative:
I contacted all three credit bureau via certified mail to have this hard inquiry from XXXX XXXX XXXX XX/XX/18 and XX/XX/18 investigated/ removed from.my credit reports. It has been 30 days and I haven't heard anything about my request, which violates the FCRA laws that protect consumers and States that the bureaus is to report accurate information and respond to disputes in a timely manner. This hard inquiry has affected my credit score and caused me hardship and stress because I was looking to purchase a home for my XXXX kids. I have been denied credit and home loans due to my credit score decrease

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I contacted all three credit bureau via certified mail to have this hard inquiry from XXXX XXXX XXXX XX/XX/18 and XX/XX/18 investigated/ removed from.my credit reports. It has been 30 days and I haven't heard anything about my request, which violates the FCRA laws that protect consumers and States that the bureaus is to report accurate information and respond to disputes in a timely manner. This hard inquiry has affected my credit score and caused me hardship and stress because I was looking to purchase a home for my XXXX kids. I have been denied credit and home loans due to my credit score decrease

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 2018-12-20 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: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I sent all three credit bureaus a certified letter to investigate this Navy federal cu hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
They XXXX XXXX is reporting inaccurate information to 3 credit bureaus which negatively impacts mycredit score for a 1 missed payment XX/XX/2014 for {$57.00} in which they never sent a bill or sent it to an incorrect address a mistake on their part-/ this happened their error 4 yrs ago and their mistake should have no bearing on my credit score! I want them to correct their error with all credit bureaus onvolved also when I paid off my balance in 2014 I told them to close my account which they also have not done!! Their services are very poor to say the least!

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 2018-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: MN

Complaint narrative:
On XX/XX/XXXX I was alerted by XXXX  that there is an open collection against me because it wasn't paid as agreed. The Collection agency is Contract Callers, INC with address XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX. This is the phone number reported on my XXXX  report. I have tried to call this number and its not working, I called XXXX ( Original Creditor name ), they provided an different agency name. I called them again today ( XX/XX/2018 ) and after I told them the name of the agency reported on credit report ( they are the one should provide the agency name, not me ) they provided the Contract Callers phone number, different than the phone number I have on my credit report. 
When I called the Phone number I was provided from XXXX ( XXXX ), the agency couldn't find any record. I gave them My name, address, birthdate and the last 4 digits of my social and they couldn't find any record. At that point with the conflicting information I received from XXXX, XXXX  and the fact that I found about an paid amount from my credit report, I was suspicious of giving the collection agency my full Social Security Number. I have not seen their privacy policy nor a consent that they will not sell or miss use my information. For these reasons, I refuse to share my full Social Security Number. I shouldn't be treated and giving wrong information. The information reported to XXXX is inaccurate including their phone number. This is hurting my credit and my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had 3 separate incidents where my checking accounts were compromised and I had several fraudulent charges on my accounts so I immediately called and filed fraud complaints with chase bank and was told they would issue a temporary credits while they investigated the transactions. I went on my chase app to check my balance and saw my access was denied so I called chase they said that due to the fraud on the accounts they restricted all the accounts and would closing all my accounts in 10 business days from the day they were restricted which was XX/XX/2018 and that I could go to the branch and withdraw the current funds in my accounts and they would mail me a check in 7-10 business days after they finished their investigations and closed the Accounts. I went to two different branches and they would not allow me to withdraw my Money from my accounts. They said I had to wait the 10 business days for the accounts to be closed and then 7-10 business days for them to mail me a check. I let them know my husbands paychecks, my child support, as well as my childrens XXXX payments are being direct deposited in that account and its too late to change it and they said that Ill Have to wait 7-10 days after they receive those direct deposits for them to mail us a check. This is all of our rent and bill money all of our XXXX money for our kids everything and they will not do anything to help us. We just want the money thats in our accounts and our money thats being direct deposited. 

I should also mention my husband is a retired veteran that did XXXX tours in XXXX, I am XXXX XXXX with XXXX XXXX XXXX and we have XXXX very XXXX XXXX, XXXX   XXXX, XXXX children this was our account that all our money went into we barely scrape by as it is and now we have no money to pay our bills and we now can not pay our bills because they wont release our money and right before XXXX so theyre depriving our XXXX kid of having a XXXX. All because our account was compromised and we reported the fraudulent charges immediately and were punished by chase for doing so. No one at chase cares or is willing to help us at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I sent all three credit bureaus a certified letter to investigate this XXXX XXXX XXXX  hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.

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 2018-12-20 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: WI

Complaint narrative:
I sent all three credit bureaus a certified letter to investigate this XXXX XXXX XXXX hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I sent all three credit bureaus a certified letter to investigate this XXXX XXXX XXXX hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.

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 2018-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I sent all three credit bureaus a certified letter to have this closed account deleted/ removed from my credit reports. This capital one account was closed XX/XX/18. I haven't heard anything from them and this violates the FCRA law that States, the bureaus have a responsibility to respond to consumers in a timely manner. This has caused my credit score to decrease and has caused stress and hardship on my family.I am I n the process of shopping for a home loan and have been denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I sent all three credit bureaus a certified letter to have this closed account deleted/ removed from my credit reports. This XXXX XXXX account was closed XX/XX/18. I haven't heard anything from them and this violates the FCRA law that States, the bureaus have a responsibility to respond to consumers in a timely manner. This has caused my credit score to decrease and has caused stress and hardship on my family.I am I n the process of shopping for a home loan and have been denied 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 2018-12-20 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I sent all three credit bureaus a certified letter to have this closed account deleted/ removed from my credit reports. This XXXX XXXX account was closed XX/XX/18. I haven't heard anything from them and this violates the FCRA law that States, the bureaus have a responsibility to respond to consumers in a timely manner. This has caused my credit score to decrease and has caused stress and hardship on my family.I am I n the process of shopping for a home loan and have been denied 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 2018-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
My XXXX account was closed recently, I requested it closed due to an unauthorized transaction on XX/XX/20 in the amount of XXXX to a XXXX or a name similar thereof. There is currently a balance in the amount of XXXX in my account and I need a check sent for this amount plus XXXX, a total of XXXX. As explained to numerous XXXX reps and again here, I do not know this person, XXXX, I do not send money to any person I do not know. Most recently, a XXXX with XXXX attempted to refer me to authorities about the matter, stating to contact them if I believe I am a victim of a scam/fraud. Unfortunately, the police can not reimburse me for the transaction and XXXX as well as other XXXX reps are aware of this, referring me to police is merely a runaround. This transaction was reported as fraud the same day I saw it on my credit card account as pending at the time, reps have done little to investigate aside from verifying log in activity which I did not log in that day. I wish to reiterate that I do not know the person, XXXX, he or she appears to be using the account to sell themselves for XXXX, which is a violation of XXXX  terms of use. XXXX reps will not look into this or reverse the transaction out of the person 's account, refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I contacted all three credit bureaus via certified letters, to have this Capital one closed account removed from my credit reports. I have not heard from them and it's been 30 days now this is not compliant with the FCRA law that holds the bureaus responsible for responding to consumers within a timely manner. This closed account has caused stress and my credit score to decrease drastically. I am in a financial hardship and am a single mother. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX XXXX  incorrectly calculated my impound account required contributions then sold my mortgage to ShellPoint. During the transfer, ShellPoint entered the wrong SSN in their records for my account. ShellPoint also sent the notice and customer welcome package to the wrong address. 
I asked XXXX XXXX  where to send payments, they started they sold my mortgage to ShellPoint. But XXXX didn't have my new account number nor the information to send payments. 
I was able to find a website with Shell Point 's contact information. When I called, the automated attendant required my loan number and social to proceed. After several attempts, I was able to talk to a person, who refused to help, since my SSN didn't match their records. After several more attempts I was able to speak with a supervisior who gave me my loan number, payment, and payment address after I verified my identity via alternative means. They were able to fix my mailing address on my load record, wouldn't fix my SSN. They gave me a fax number to send my identity documents, which turned out to not be a valid number. 
I called back, they have another number, I have faxed Shell Point several times over a the past four months with no response. 
In addition, I am still making nearly double the payment I should be, since the impound issue hasn't resolved. 
My payments should be closer to {$1800.00} per month, but I've been billed approximately {$3500.00} a month by ShellPoint.

I feel ShellPoint is trying to steal my home by making nearly impossible to make payments by inflating my payments and making difficult to contact them and resolve their poor record keeping.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation