vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: DISCOVER BANK
State: TX

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
OPENED AN ACCOUNT OF THE XXXX CONSUMER COMPANY FRAUDULENTLY ALREADY DISPUTED THIS MULTIPLE TIMES ACCOUNT WITH THE CREDIT AGENCIES AND TO A NOT REMOVED THIS ACCOUNT .. I REQUESTED THIS REPORT TO PROCEED TO REMOVE THIS 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 2020-01-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I mailed Equifax and XXXX   disputes regarding a XXXX XXXX account that was reporting inaccurately on my files. I disputed the payment history and date of first delinquency because Equifax showed I first became 30 days late in XX/XX/XXXX, but XXXX  showed I first became 30 days late in XX/XX/XXXX. Equifax also showed the date of first delinquency as XX/XX/XXXX, which contradicted the payment history. How could the same late payment occur during 2 separate months of the year? On XX/XX/XXXX, Equifax responded to my dispute saying XXXX XXXX verified that the information I disputed was accurate. The date of first delinquency was listed as XX/XX/XXXX in their response and the payment history was missing entirely. The account was not compliant with the FCRA before my dispute and it is also non-compliant after my dispute. Equifax did not fix the error and the account is now entirely incomplete. If Equifax actually investigated the account, the errors and omissions would not remain. To further demonstrate this information, I also received a response from XXXX on XX/XX/XXXX. In their response to my dispute, they said XXXX XXXX verified to them that the date the account first became late was XXXX of XXXX. How can XXXX verify two different dates as accurate for the same late payment? How can this same late payment be reported as occurring in XX/XX/XXXX on Equifax and XX/XX/XXXX on XXXX? After my disputes, both bureaus claim they did their own investigation and that XXXX XXXX has verified to them that the information is accurate, but the inaccuracies still remain on both credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: TX

Complaint narrative:
On XX/XX/XXXX, I mailed XXXX  and Experian disputes regarding a XXXX XXXX account that was reporting inaccurately on my files. I disputed the payment history and date of first delinquency because XXXX  showed I first became 30 days late in XX/XX/XXXX, but Experian showed I first became 30 days late in XX/XX/XXXX. XXXX  also showed the date of first delinquency as XX/XX/XXXX, which contradicted the payment history. How could the same late payment occur during 2 separate months of the year? On XX/XX/XXXX, XXXX   responded to my dispute saying XXXX XXXX verified that the information I disputed was accurate. The date of first delinquency was listed as XX/XX/XXXX in their response and the payment history was missing entirely. The account was not compliant with the FCRA before my dispute and it is also non-compliant after my dispute. XXXX  did not fix the error and the account is now entirely incomplete. If XXXX  actually investigated the account, the errors and omissions would not remain. To further demonstrate this information, I also received a response from Experian on XX/XX/XXXX. In their response to my dispute, they said XXXX XXXX verified to them that the date the account first became late was XXXX of XXXX. How can XXXX verify two different dates as accurate for the same late payment? How can this same late payment be reported as occurring in XX/XX/XXXX on XXXX  and XX/XX/XXXX on Experian? After my disputes, both bureaus claim they did their own investigation and that XXXX XXXX has verified to them that the information is accurate, but the inaccuracies still remain on both 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 2020-01-10 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo and XXXX  should look at this also XXXX  opened up a mobile that never happened had XXXX profile login to my account had FTC violations everywhere from banks, lenders late payment and who know what else I'm no cyber hacker to figure that out I'll LET FTC figure that out themselves Loss XXXX from wells fargo XXXX    XXXX XXXX XXXX  name goes on and on

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 2020-01-10 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX and Regions should look at this also XXXX  opened up a mobile that never happened had XXXX profile login to my account had FTC violations everywhere from banks, lenders late payment and who know what else I'm no cyber hacker to figure that out I'll LET FTC figure that out themselves Loss XXXX from XXXX XXXX Regions XXXX XXXX  XXXX  name goes on and on

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 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contacted Experian in XXXX of XXXX and again In XXXX of XXXX when I noticed a wrong address in which I have NEVER used nor lived at EVER! 
I NEVER gave such an address or permission to use such address which is XXXX XXXX XXXX XXXX XXXX, LA XXXX I want this FALSE address REMOVED from my report. 
Again I have NEVER used or reported such address above I want this FALSE information removed from my report ... I have NEVER given any bank or company permission or such information above This Is NOT my address! Nor has it ever been Experian would not help me and would not remove this false information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Hi brand new customer here. I received my card XX/XX/XXXX, activated it & completed the online enrollment process and immediately attempted to access my account through the mobile app. I was only able to login to the app once. I tried again a few hours later and I keep receiving the error message " temporary delays ''. This has been going on for me for 2 days now, and Citi 's IT department was unable to resolve the issue. The best solution they could offer was to uninstall, reinstall the app, and if that did not work reboot my phone. 

I tried using the app on another XXXX phone and the same message is displayed. Out of curiosity I XXXX " Citibank temporary delays '' to see if others were having this problem. It turns out this problem has existed for YEARS. As far as I can tell the " temporary delays '' issue with the mobile app has been around since XXXX. So fast-forward 7 years later and it still persists. This prompted me to start reading reviews of their mobile app on the XXXX playstore, and I unearthed a treasure trove of complaints. The vast majority revolving around not being able to login to the app. People can't even pay their bills, or unlock their card. To put it simply, it is freaking XXXX and this is ridiculous. If a customer is late with their monthly payment, all XXXX breaks loose. So why is it okay for Citi to knowingly neglect and ignore this on-going issue? How can a billion dollar company, struggle with such a simple and core feature functionality? 

And ... since I'm here. Would someone please explain why Citi performed 2 hard inquiries on my account from the same credit bureau ( XXXX  )? I'm asking because when I pull my credit report, I can see my score drop by -3 points from the first inquiry ( XXXX ). Then a few days later, it dropped again by -3 points for the 2nd inquiry ( XXXX ). All for the same credit card ( Citi double cash ) that I'm writing about right now. Had I known their " IT '' was this bad, I never would have applied for the card in the first place. 

Anyhow, I say all that to say this. Citi, you couldn't even keep me as a customer for a week. One week. 

Reconciliation is not an option, as I fully intend to close my brand new account as soon as your remote offices open. Going forward please acknowledge and address the many complaints from your other customers, especially ones as serious as bugs with your software and IT systems. There is a special kind of helpless, when you've experienced fraud and the only thing your card provider can do is recommend you try again tomorrow.

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 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I applied and was approved online for the American Express Everyday card on XX/XX/2019. During the application process, I was presented with a welcome offer of XXXX points after {$1000.00} in spending within the first 90 days, which was what prompted me to apply. After receiving the credit card in the mail, I confirmed on XXXX XXXX via live chat to verify that the offer was attached my account. I subsequently spent over {$1000.00} but did not receive the points promised in the welcome offer. Upon chatting with American Express again, I was told that there was no offer attached to my account. When directing the chat agent to the previous live chat I had, I was told that I was declined for the offer stated by the previous chat agent despite this being my first American Express credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 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: GA

Complaint narrative:
I submitted a dispute to equifax on XX/XX/XXXX and not even a day later they are claiming the reinvestigate my issue. I submiited paperwork to them back in XX/XX/XXXX that I was a victim of idenity theft. The below inquiries as well as accounts should have been removed as I did not apply for any of the loans or accounts. 
XXXX XXXX Bank Card Service XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   CT, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXL, P.O BOX XXXX, XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXXL/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: MO

Complaint narrative:
This is regarding an Experian dispute report that was resulted on XX/XX/XXXX. 
XXXX XXXX XXXX , XXXX appeared on my credit report in XX/XX/XXXX with an unpaid/past due balance of {$520.00}. I have no knowledge of this charge. None. I have not been contacted by phone, email, or mail regarding this charge. This appears to be a debt collection agency. I am reluctant to personally engage with this type of people, and believe this to be a fraudulent charge, as the original creditor is listed as XXXX- a payday loan company?! I am a XXXX  with an exceptional credit rating, and have never used this type of service. 
I filed a dispute with Experian and today received a notice that this will remain on my credit report as, The company that reported the information has certified to Experian that the information is accurate. The item was not changed as a result of our processing of your dispute. Please see your report for the details. 
Experian did not share the details of the so called proof. How can I dispute something of which I know nothing? I pay a monthly fee to Experian for monitoring and help with this type of issue. What a disappointment.

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 2020-01-10 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I was charged for a piece of equipment from my former cell phone company that I returned via XXXX. I received a bill for the piece of equipment on XX/XX/19 and contacted the company advising that I would be returning the equipment that weekend and to please note my account. I was told that my account would be noted and that my account would be credited to reflect a XXXX balance when the equipment was received. The equipment was received by XXXX on XX/XX/19 at XXXX XXXX I received a letter from a debt collection agency dated XX/XX/19. This debt was not even 30 days old and was turned over to collections and now the original cell phone company AND the collection company fail and refuse to reflect a XXXX  balance on my account although they HAVE received the equipment and confirm that they have received the equipment. This should NEVER have been turned over to collection as the alleged debt was NOT in excess of 30 days in arrears AND I had already contacted XXXX and advised that the equipment would be returned. In fact, XXXX is the one who provided the XXXX shipping label.

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