vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
transunion not letting me see my credit report b/c of my ftc violation i set up monitoring service that i'm not able to see my credit FCRA violation. XXXX and Transunion has not let me monitor my accounts onlines

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 2019-07-11 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: CA

Complaint narrative:
To Whom it may concern : On Tuesday XX/XX/XXXX, I appeared in court on this matter and it has been set for trial for XX/XX/XXXX. This is almost a year from now and I do believe I have given XXXX   XXXX  plenty of time to provide me with the information I have requested to validate this debt they claim I owe. Not to mention if there intent was to ask for a continuance on this matter which would have only lengthened this issue even further. Since this matter has been set for trial, and they have yet to provide me with any other than billing statements, I should no longer have to carry the burden of this damaging information on my credit report. Unless they can show proof or provide me with anything else this should be removed immediately by the collector and if they fail to do so then the reporting agency should be notified and have action taken against them as well, I hope we can begin this process 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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have student loan under my name and cosigner, with XXXX since XXXX which is a Federal student loan service provider and does not service Federal student loans. It only provides service for private educational loans. I was making auto debit payment option that offers me the peace of mind that comes with knowing my loan payments are being made accurately and on time. In XX/XX/XXXX, I notice my credit score drop by over 100+ point, and found out that it was missing of few payment on my loan and, I then contact XXXX for more explanation. I was told that my cosigner file Bankruptcy, because of that they did not take my auto debit payment, they just report to all credit bureaus with out my knowledge. XXXX did not send me letter or email or get no single call. They did said they will try to fix the situation, by this time damage was done. I was on process of buying house to my family, and I get deny because of this. Somehow it have been fix but it was too late. And then they did it again on XX/XX/XXXX with same unfair reason. My credit score drop by huge number again. I was told that I am not able to sign for auto debit payment no more and XXXX can not contact me or send me reminder for payment, I had to remember every month to call and make payment because the status of the loan is bankruptcy. why me? I am human I could forget payment, and XXXX did send reminder to every customer who are late from their payment but not me. I am the one who took the loan and I never say I would not pay. I only own {$290.00} from XXXX total. Its not fair for my family going through all this and pay all this price just because my old cosigner file bankruptcy. I am still paying but all I asking them that to fix the situation which they told me not this time. This matter affect my XXXX little kids life and my whole family. its cost me a lots to fix their first mistake and now back to problem. They are so fast to report late payment without one single attempt to contact me is affecting so many life.

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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have student loan under my name and cosigner, with XXXX since XXXX which is a Federal student loan service provider and does not service Federal student loans. It only provides service for private educational loans. I was making auto debit payment option that offers me the peace of mind that comes with knowing my loan payments are being made accurately and on time. In XX/XX/XXXX, I notice my credit score drop by over 100+ point, and found out that it was missing of few payment on my loan and, I then contact XXXX for more explanation. I was told that my cosigner file Bankruptcy, because of that they did not take my auto debit payment, they just report to all credit bureaus with out my knowledge. XXXX did not send me letter or email or get no single call. They did said they will try to fix the situation, by this time damage was done. I was on process of buying house to my family, and I get deny because of this. Somehow it have been fix but it was too late. And then they did it again on XX/XX/XXXX with same unfair reason. My credit score drop by huge number again. I was told that I am not able to sign for auto debit payment no more and XXXX can not contact me or send me reminder for payment, I had to remember every month to call and make payment because the status of the loan is bankruptcy. why me? I am human I could forget payment, and XXXX did send reminder to every customer who are late from their payment but not me. I am the one who took the loan and I never say I would not pay. I only own {$290.00} from XXXX total. Its not fair for my family going through all this and pay all this price just because my old cosigner file bankruptcy. I am still paying but all I asking them that to fix the situation which they told me not this time. This matter affect my XXXX little kids life and my whole family. its cost me a lots to fix their first mistake and now back to problem. They are so fast to report late payment without one single attempt to contact me is affecting so many life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have student loan under my name and cosigner, with XXXX since XX/XX/XXXX which is a Federal student loan service provider and does not service Federal student loans. It only provides service for private educational loans. I was making auto debit payment option that offers me the peace of mind that comes with knowing my loan payments are being made accurately and on time. In XX/XX/XXXX, I notice my credit score drop by over 100+ point, and found out that it was missing of few payment on my loan and, I then contact XXXX for more explanation. I was told that my cosigner file Bankruptcy, because of that they did not take my auto debit payment, they just report to all credit bureaus with out my knowledge. XXXX did not send me letter or email or get no single call. They did said they will try to fix the situation, by this time damage was done. I was on process of buying house to my family, and I get deny because of this. Somehow it have been fix but it was too late. And then they did it again on XX/XX/XXXX with same unfair reason. My credit score drop by huge number again. I was told that I am not able to sign for auto debit payment no more and XXXX can not contact me or send me reminder for payment, I had to remember every month to call and make payment because the status of the loan is bankruptcy. why me? I am human I could forget payment, and XXXX did send reminder to every customer who are late from their payment but not me. I am the one who took the loan and I never say I would not pay. I only own {$290.00} from XXXX total. Its not fair for my family going through all this and pay all this price just because my old cosigner file bankruptcy. I am still paying but all I asking them that to fix the situation which they told me not this time. This matter affect my XXXX little kids life and my whole family. its cost me a lots to fix their first mistake and now back to problem. They are so fast to report late payment without one single attempt to contact me is affecting so many life.

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 2019-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
I received an email saying I was approved for a XXXX loan. Speedy cash deposit XXXX into my checking account and XXXX in my saving account. Once it was available they told to send back the XXXX and they give me the the loan. My bank put a hold on my saving account. Now they won't answer my call. Help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/19 XXXX XXXX ACCT # XXXX {$20000.00} WIRE TRACKING # XXXX  TRANSFER TO : XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX ACCOUNT # XXXX SWIFT CODE : XXXX   RECEPIENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  PHONE # XXXX   XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$20000.00} # XXXX confirmation code : XXXX   TRANSFER TO : XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. ACCOUNT # XXXX  SWIFT CODE : XXXX RECEPIENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PHONE # XXXX XX/XX/19 XXXX XXXX XXXX XXXX {$20000.00} ACCT # XXXX  REF # XXXX  TRANSFER TO : XXXX XXXX XXXX  ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX ACCOUNT # XXXX SWIFT CODE : XXXX   RECEPIENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PHONE # XXXX   XX/XX/19 XXXX XXXX XXXX XXXX {$15000.00} ACCT # XXXX WIRE PAR # XXXX DISCLOSURE # XXXX TRANSFER TO : XXXX XXXX XXXX ( XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   ACCOUNT # XXXX SWIFT CODE : XXXX RECEPIENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PHONE # XXXX Spoke to banks about the fraud and stopping money they said couldn't help me. Banks should alert people when they know 9 out of 10 times every wire transfer to XXXX XXXX XXXX ( XXXX XXXX ) XXXX  is fraudulant. If they would have said to me do you know there is alot of fraud wiring money to this bank I might have realized it was a scam before I sent out {$75000.00}.

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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo refuses to answer a phone call or they put me on hold or transfer me or hang up on me in regards to my open case I got a letter from the attorney general and the office of the commercials and it says that I was supposed to be doing a settlement or having a settlement with Wells Fargo just to call simple as that but not so I called in there give me the runaround they will not respond to me so XXXXis my  number thanks

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 2019-07-11 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: PA

Complaint narrative:
Dear Equifax : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly DELETE XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX   XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX   XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX XXXX   XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My fiance and I decided to jointly open a credit card account. We knew we had big expenses coming up due to an upcoming wedding and figured it'd be a great time to jointly open a new card. 

Our research showed that the Venture card came highly rated from various personal finance blogs we love, including XXXX XXXX XXXX, XXXXt, XXXX, and XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, we applied for and were approved for the Capital One Venture Card. Various articles and Capital One marketing materials we referred to at the time, indicated that we'd be eligible for XXXX bonus miles once we spend {$3000.00} on purchases within the first 3 months. We ended up spending a little over {$4300.00} during the first 3 months. 

However, we recently noticed that we had never received the bonus miles. Upon contacting Capital One and going back to the fine print in the registration email, we realized that the deal we actually signed up for required us to spend {$5000.00} within the first 3 months, a number we just don't recall seeing on any marketing materials. We went on XXXX XXXX to verify what the rewards bonus was at the time we signed up but could only see a placeholder macro { { ESB_AMOUNT } } in place of a specific spending minimum. 

This only strengthens our suspicion that Capital One frequently changes eligible minimum spending and leaves consumers confused on the deal they had signed up for. For your reference, the minimum eligible spending as of today ( XX/XX/XXXX ) is now somehow back to {$3000.00}. 

We spoke to two different Capital One customer agents ( XXXX and XXXX ) over the phone, who were very firm in denying our claim. Not getting our bonus miles isn't the end of the world, of course. But something just doesn't sit right. If we were gullible enough, there may be other readers who may have fallen into a similar trap. Furthermore, we wonder if other credit card companies also employ similar misleading tactics to lure in consumers. At best, they'd be left feeling short-changed like us ; at worst, they would be in debt they incurred to meet the minimum spending, without the bonus rewards to offset the cost. 

I'd be happy to share more information as the investigation requires. Thank you so much for considering.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XXXX XXXX at around4pm California time a Real Estate Agent or Auction.com Rep was parked in front of my home at XXXX XXXX XXXX, XXXX, Ca. stating my house was going to be sold on XXXX XXXX at auction sale. 
The Reps or Real Estate Agents stated that house is listed on XXXX as Foreclosure and For Sale and it's true, because I saw my house listed on XXXX. 
I spoke with SPS Lender and Rep stated that I was in " Assumption '' in having my name on the loan as I have substancial income evidence to comply with the new loan assumption and Loan Modification. 

I have sent all documents requested by SPS Lender and rep stated they have all documents requested to move forward with the Assumptions and Loan Modification. 

A Assumption on the loan has to be done according to SPS Lender of XXXX XXXX XXXX because my Mom XXXX XXXX XXXX XXXX  with XXXX and I can take over the loan because I am on title on the house only. 
SPS Lender didn't want to add my wife on the loan because, they stated that she is not on title of the house. 
I don't have no Attorney to represent me, because I can not afford a Attorney, so I respectfully made contact with XXXX XXXX XXXX XXXX to assist me on myy issues. 
I have a family, with children, and, my Dad has a Lifetime Disability and Pre-Existing Medical Condition and we don't have no other shelter for my family, if we are foreclosed out of the house on XXXX XXXX. 
We will be Homeless and without shelter. 
My Dad XXXX XXXX is XXXX and Former-brother in Law XXXX XXXX XXXX is a XXXX XXXX XXXX XXXX Veteran and he is XXXX Lifetime and Retired. 
We respectfully like to have a Amicably a positive Assumption and Loan Modification so we be able to rest in Peace and without stress. 
We don't want to contact the National News and Local News medias on my issues, as my Mom XXXX XXXX loan is in Fraud, Scandals and Corruptions and that's why SPS Lender, the XXXX XXXX XXXX wants to expedite the Foreclosure and Sale of my Mom XXXX XXXX and my home on XXXX XXXX at 9:00 am in XXXX XXXX, California. 
This is a very Urgent and Extreme issues!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: Associated Credit Services, Inc.
State: PA

Complaint narrative:
ASSOC CRDIT ( Original Creditor : 10 XXXX XXXX XXXX XXXX ) is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. See the reporting inaccuracies below and how each bureau is reporting Date Opened : XXXX=XXXX XXXX=XX/XX/XXXX Last Reported : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX Date Last Active : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX See attached credit report for proof of inaccurate information that is  affecting my ability to obtain new credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
LVNV Funding, LLC has not responded with any valid evidence that the debt they claim I owe them is legally theirs to do so. What I receive are poor quality copies of credit card statements. There is absolutely no evidence they are legally obligated to collect from me. 

LVNV filed a judgement against me XXXX # XXXX but due to health issues and not able to fight this it was dismissed as a hardship case. I to this day have no evidence this debt is really mine or who the real owner is. I have yet to see a signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
my checking account was charged a {$34.00} fee for insufficient funds. I requested a refund since the first time they reverse it, it was due to their monthly maintenance fee of {$12.00} per month. This time the charged was due to a payment to my payment on my credit card. I called them several times and was waited for more than 20 minutes each time to be connected to a supervisor BUT WAS OBVIOUSLY DROPPED FROM THE CALL EACH TIME. I COULD HEAR THE CUSTOMER SERVICE ACTUALLY DROPPING THE CALL!

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 monetary relief
Consumer complaint received 2019-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XX/XX/2018 I discovered a XXXX XXXX XXXX  Visa XXXX ( XXXX ) credit card on my credit report. I called the bank and they said I opened this account some two years earlier. I reviewed my records and I believe that this account is not mine and I contacted XXXX and told them this account was not mine and that they should close it asap. 

The account has a XXXX  balance and they refuse to remove this account from my credit report.

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