vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I made arrangements for credit card payments last year w ith Amex and representatives advised that my credit would not be reported as " negative '' as long as I kept the arrangements. A manager pretended to have listed to the phone calls were I was misleaded and now my credit report shows 120+ late payments which could have been avoided if Amex had provided correct information to me and reported the payments as agreed. Amex reported late payments to credit bureaus when I was making payments under their payment plans. Amex denie d removing false data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: OH

Complaint narrative:
APPLIED FOR CREDIT CARD FROM  XXXX   XXXX , RECEIVED LETTER DATED  XXXX   XXXX ,2017 THAT 'THERE WERE EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. ' I WAS UNABLE TO GET ANY REPORT FROM CREDIT REPORTING ( TRANSUNION,  XXXX  ... WHICH WOULD SHOW WHERE THIS INFO WAS COMING FROM. I HAVE ONLY SMALL CR. CARD DEBT WHICH I PAY ENTIRELY EACH MONTH ... NO MORTGAGE OR ANY LOANS FOR CAR ETC. HAVE PLENTY OF SAVINGS ... MONTHLY INCOME WHICH TAKES CARE OF MONTHLY EXPENSES BY ITSELF ... ..  XXXX   XXXX  HAVE LIVED IN  XXXX   XXXX   XXXX   XXXX   XXXX  FOR 14 YRS. BEFORE THAT @  XXXX   XXXX   XXXX   XXXX . ALSO IN  XXXX  FOR  29  YRS.

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 2017-07-02 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: OH

Complaint narrative:
APPLIED FOR CREDIT CARD FROM XXXXXXXX XXXX  RECEIVED LETTER DATED XXXX XXXX2017 THAT 'THERE WERE EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. ' I WAS UNABLE TO GET ANY REPORT FROM CREDIT REPORTING ( XXXX EXPERIAN ... WHICH WOULD SHOW WHERE THIS INFO WAS COMING FROM. I HAVE ONLY SMALL CR. CARD DEBT WHICH I PAY ENTIRELY EACH MONTH ... NO MORTGAGE OR ANY LOANS FOR CAR ETC. HAVE PLENTY OF SAVINGS ... MONTHLY INCOME WHICH TAKES CARE OF MONTHLY EXPENSES BY ITSELF ... .. XXXX XXXX HAVE LIVED IN XXXX AT XXXX XXXX XXXX FOR 14 YRS. BEFORE THAT @ XXXX XXXX XXXX XXXX. ALSO IN XXXX FOR 29 YRS.

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 2017-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Winn Brown Law Firm, LLC
State: MS

Complaint narrative:
Car was involved in a wreck on  XXXX / XXXX /2012. Other party at fault. Insurance (   XXXX   XXXX   ) sent adjuster 's appraisal of damage ( {$5200.00} ) with  XXXX    XXXX   of $  XXXX .The adjuster 's comments stated that the vehicle " may have a dditional damage to : RAD SUPPORT. FRAME RAILS, SUSPENSION. The day after the wreck I hired   XXXX   XXXX   ( attorney,    XXXX   XXXX  , MS ). The car was subsequently repossessed and sold for {$1500.00} making the TLF = {$6700.00}.
Collection Attorney : The Winn Brown Law Firm, PLLC   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    XXXX , MS  XXXX  (  XXXX  )  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: MOHELA
State: MO

Complaint narrative:
I opened a student loan with Mohela Department on XX/XX/2010, as well as US Department AFSA on XX/XX/2010, my loans have been closed and I 'm still seeing this loan on my credit report and I would these to be removed, the company tells me I ca n't have them removed unless the government removes them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: TX

Complaint narrative:
I made arrangements for credit card payments last year with  XXXX  and representatives advised that my credit would not be reported as " negative '' as long as I kept the arrangements. A  manager pretended to have listed to the phone calls were I was misleaded and now my credit report shows 120+ late p ayments which could have been avoided if  XXXX  had provided correct information to me and reported the payments as agreed.  XXXX  reported late payments to credit bureaus when I was making payments under their payment plans.  XXXX  denied removing false data.

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 2017-07-02 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: TX

Complaint narrative:
I made arrangements for credit card payments last year with  XXXX  and representatives advised that my credit would not be reported as " negative '' as long as I kept the arrangements. A  manager pretended to have listed to the phone calls were I was misleaded and now my credit report shows 120+ late  payments which could have been avoided if  XXXX  had provided correct information to me and reported the payments as agreed.  XXXX  reported late payments to credit bureaus when I was making payments under their payment plans.  XXXX  denied removing false data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: TX

Complaint narrative:
I made arrangements for credit card payments last year with  XXXX  and representatives advised that my credit would not be reported as " negative '' as long as I kept the arrangements. A  manager pretended to have listed to the phone calls were I was misleaded and now my credit report shows 120+ late  payments which could have been avoided if  XXXX  had provided correct information to me and reported the payments as agreed.  XXXX  reported late payments to credit bureaus when I was making payments under their payment plans.  XXXX  denied removing false data.

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 2017-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I would like some intervention with this company for the following reasons : # 1 I have repeatedly asked the original creditor for a breakdown of the amount allegedly owed. I never received any such breakdown. ( i.e. mileage, billable hours, gas, etc. ) # 2 This is not a refusal to pay ; this is an attempt to receive a breakdown in the billing which was requested numerous times from the collection agency and original creditor and never received. I will not pay a debt that is not adequately and legally explained to me # 3 When I call and attempt to get this information which is my right to have, I receive a hang up I will not pay a debt that I do n't owe. I will not pay a debt that is not broken down for me to understand where the debt originated from as described above. I am not refusing to pay this debt, but I will not accept a statement with the full balance ; this must be broken down into billable hours, mileage, gas, food, etc. This was the agreement between myself and the original creditor and was not delivered to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On or around XX/XX/17 I was reviewing my credit report and I found several HIPPA Act violations. I am requesting a investagation according to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims I am allowed to review any and all documents related. I need to review the following documents from these companies 1.XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX Please notify these companies to cease and desistFRCA 604 ( A ) ( 3 ) all contact and communications with me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: OH

Complaint narrative:
On or around XX/XX/17 I was reviewing my credit report and I found several HIPPA Act violations. I am requesting a investagation according to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims I am allowed to review any and all documents related. I need to review the following documents from these companies 1.XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX Please notify these companies to cease and desistFRCA 604 ( A ) ( 3 ) all contact and communications with me immediately.

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 2017-07-02 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: CT

Complaint narrative:
I have contacted the credit reporting agency multiple times this year trying to resolve my issue. I have several student loans reporting between years XX/XX/XXXX and XX/XX/XXXX. These accounts have been closed. Also they are showing as multiple accounts even though they should n't show so many. A lot of the accounts are duplicates of accounts already reporting on my credit report, multiple accounts reported with the same account number. I have tried to contact the credit reporting agency and the response I have gotten is that " they are validated ''. I have asked for proof of validation and have received no response for that request. I asked for these accounts to be removed as they are over 7 years old and not being reported correctly. These accounts are paid in full and closed. I would like them all removed from my account as it shows incorrect credit history. It is hindering my process to purchase a house for my children and I. Please remove these student loans from my account due to age and inaccuracy

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 2017-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I was Denied for Capital One Visa Credit card because of my XXXX XXXX XXXX XXXX XXXX .I am a Military Veteran. On the letter of application ID # XXXX of Capital One Bank states that I was because of many deliquent past or present Capital One Credit obligations. I do n't have no Capital One credit cards active or Capital One Bank collections on my credit report with XXXX, XXXX and XXXX, bankruptcy chapter XXXX that was filed on XX/XX/XXXX and Discharged on XX/XX/XXXX by XXXX, Texas Federal Judge. On XX/XX/XXXX Capital One sent me a letter with application number # XXXX and Capital One Case # XXXX with CFBP case # XXXX. Capital One administration will not issue me a Visa credit card and continuing to Discrimate and Retaliate against because of National Origin as a XXXX and Military Veteran. Why Denied a XXXX Citizen and Military Veteran because a filed Bankruptcy chapter XXXX and XXXX and XXXX XXXX XXXX?.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
About a month ago, I requested, via email to XXXXXXXXXXXX, an updated payment ledger as well as the balance for this count. I 've received no response. Last week, my wife received a phone call from someone at XXXX, who reported they were responding to the email. She reiterated that per the request that was sent, the information needed to be in writing. <P/>I 've yet to receive anything.

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 2017-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
After checking my credit report I noticed that a debt from ARS was placed on my credit. I then proceeded to see if they were licensed in the State of Texas to collect on a debt. As I check the website with the name of the company and address on my report. I searched and it gave me no results. On XX/XX/XXXX I mailed a certified debt validation letter to ARS. I tracked the letter which was received on XX/XX/XXXX. In the letter I advised that they had 30 days to respond to the letter. I gave them a couple of days later to send me the info back. Today is XX/XX/XXXX and I still have n't received anything from the 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 2017-07-02 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: CA

Complaint narrative:
I learned via XXXX XXXX that Transunion is reporting and open collections on my credit statement from the XXXX XXXX XXXX XXXX XXXX in the amount of {$2600.00}. Supposedly, it was reported on XXXX XXXX, 2017, and referenced with ID # XXXX. I learned about it, and filed a dispute via XXXX XXXX on XXXX XXXX, 2017, stating that I have no knowledge of this account. I heard nothing.on my dispute, so I called Transunion. The person I spoke with recognized I had filed the dispute but stated there was no change to the report. They said Transunion sent my dispute to the business who posted the collection, but they received no feedback. I filed another dispute, this time directly with Transunion, on XXXX XXXX, 2017. This is a bogus collection. I have never been contacted by anyone regarding this collection. Transunion does not appear to do anything other than forwarding my dispute.

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 2017-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have contacted the credit reporting agency multiple times this year trying to resolve my issue. I have several student loans reporting between years XX/XX/XXXX and XX/XX/XXXX. These accounts have been closed. Also they are showing as multiple accounts even though they should n't show so many. A lot of the accounts are duplicates of accounts already reporting on my credit report, multiple accounts reported with the same account number. I have tried to contact the credit reporting agency and the response I have gotten is that " they are validated ''. I have asked for proof of validation and have received no response for that request. I asked for these accounts to be removed as they are over 7 years old and not being reported correctly. These accounts are paid in full and closed. I would like them all removed from my account as it shows incorrect credit history. It is hindering my process to purchase a house for my children and I. Please remove these student loans from my account due to age and inaccuracy

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 2017-07-02 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:
On XX/XX/2017 I submitted a list of items that were unknown to my records and also unverifaible. I waited on a response and after 2 months I have 0 results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: CT

Complaint narrative:
There are 2 collection accounts on my report that are not mine. I have asked for verification of the accounts multiple times and the response I get is they have " validated it ''. I have sent several letters asking for verification of accounts in accordance with FCRA. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified. '' I have requested that the collection accounts : XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX Acct # XXXX to be verified. I would like to see proof that these are indeed my accounts, which I adamantly believe they are not. I would like them removed as it is my right under the Federal Law

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 2017-07-02 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: FL

Complaint narrative:
On XX/XX/2017 I submitted a list of items that were unknown to my records and also unverifaible. I waited on a response and after 2 months I have 0 results.

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 2017-07-02 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: FL

Complaint narrative:
On XX/XX/2017 I submitted a list of items that were unknown to my records and also unverifaible. I waited on a response and after 2 months I have 0 results.

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 2017-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am an XXXX XXXX military XXXX serving in the XXXX. In early XX/XX/XXXX I applied for a Barclaycard Luxury Gold Card, specifically due to their generous SCRA benefits. I was approved, and immediately asked Barclaycard to apply SCRA benefits to my account, which they did, sending me a letter stating, among other things, that " While you 're on XXXX XXXX, the following terms apply : The APR for all balances have been lowered to 0.0 %, All fees, including annual fees, will be waived. '' The letter ( and representatives with whom I spoke ) were clear that these terms would not change regardless of future Barclaycard policy changes, however I just received a letter stating that I will be required to pay a {$990.00} annual fee beginning in XX/XX/XXXX. In this letter, Barclaycard claims that CFPB agrees with their decision, essentially meaning that service members who signed up for this card with the guarantee of certain specific benefits now have no recourse - I find it hard to believe that CFPB would make or support such a decision.

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