vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-01 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: AR

Complaint narrative:
I have contacted the 3 credit reporting agencies by mail 2 times in regarding the negative accounts on my report. I requested Verification and they have failed to do so. i sent the letters on XX/XX/2019 and XX/XX/2019 and have received letters back stating that the accounts were verified but failed to inform me on how they verified his information. so without proper verification I would like the negative accounts deleted promptly. If the accounts are not dealt with in a timely manner then I will exercise my right as a consumer protected under the fair reporting act and seek litigation.

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 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
i have been requesting payment information a simple payment history which includes only the following so that it will be easy for me to understand. on a monthly basis which includes ; date payment is due date check payment received by wells fargo date wells fargo got paid from my bank with these information i can easily find out where the mistake has occurred. 

i have requested this information several times but they refuse to provide me it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019, I login to my Capital One Credit Card account to review activity and to make a payment like normal. I got a message to send a pin to my cell phone, which I no longer have. I told them that I no longer carry mobile devices and could they send the code to my email address like they send my monthly statement. They told that that is not an option. They are forcing customers to download their app to an electronic device to review account activity. I understand they are trying to put security controls in place, but as a consumer that should not be the only option for me to view my account online. I have other bank accounts and they also have the same security feature that allows me to receive the security code via. email. I believe this is a strategic business tactic to force customer to use their app. 

In the attempt to give me other options, which I think is more of a security breach. They asked me if they can send the security code to a family member cell phone. If you are willing to send the security code to a non-customer cell phone, why you do not give me the option to receive the code via. email. This security measure is preventing me to access my credit card account online to make timely payments. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is not reporting the Date of First Delinquency ( DOFD ) accurately to the credit bureaus. The account is not current but the payment history is inaccurate. The correct date of first delinquency is XX/XX/XXXX. XXXX XXXX XXXX is not reporting any first date of delinquency. Multiple attempts have been made to correct this but they are unable or unwilling to correct it. They gave me an account history from XX/XX/XXXX which shows the correct first date of default, but they are not correcting it to the bureaus. The credit bureaus do not accept payment histories.

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 2019-05-01 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: AUTOMOTIVE CREDIT CORPORATION
State: MS

Complaint narrative:
On XX/XX/2019 ; I was notified that a name under my social security number is showing up. This name is not mine and I have not attempted to apply for any credit. As this is not my name with a XXXX at the end, this is believed to be fraudulent activity and coinsides with the notification that my name is also showing up under another race. I have attempted to resolve this issue with no results. I would like the inquiries removed from my report as I did not apply for any credit. Thank you for your time and support.

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 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD

Complaint narrative:
Today I noticed a Collection that did not belong to me on my Credit Report from a Company called " Wakefield '' and " Associates ''!!! A third party collection agency! I told them that this account did not belong to me? And I told them that my Identity had been stolen and is being looked into? The number to this company is XXXX! This company keeps harassing me daily! And I would like something done as soon as possible please? Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have called XXXX and XXXX  several times in a attempt to get these hard inquiries i did not authorize removed I was told that I need to call and contact the original creditor that placed these inquiries on my report. I have made several attempts to get Capital One to contact the bureaus and remove these inquirys as they were not authorized by me. They seem to not be able to get me to the right person to take care of this matter no matter how many attempts I have made nobody seems to understand what I'm talkin about. I want all Capital One inquiries removed from my credit report before I take legal action. I I have never requested any kind of credit with Capital One or hold any account with them. I have inquiries from capital one on XX/XX/19 and XX/XX/19. i want this matter resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: AR

Complaint narrative:
I have contacted the XXXX credit reporting agencies by mail 2 times in regarding the negative accounts on my report. I requested Verification and they have failed to do so. i sent the letters on XX/XX/2019 and XX/XX/2019 and have received letters back stating that the accounts were verified but failed to inform me on how they verified his information. so without proper verification I would like the negative accounts deleted promptly. If the accounts are not dealt with in a timely manner then I will exercise my right as a consumer protected under the fair reporting act and seek litigation.

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 2019-05-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
XXXX XXXX court issued me a traffic citation. Amount due was {$72.00}. Debt collection was handed over to a collection agency ( Harris & Harris : XXXX ). Collection agency has tacked on additional {$30.00} worth of penalty and interest. Court ( customer service ) confirmed that the court only recieves the original amount ( {$72.00} ) and they have no visibility or control on what the collection  agency will charge. 

There is lack of transparency on what specific penalty and interest rates this private collection agency can charge, and lack of rules that govern this. Who decides how much fees and interest they can charge? What if they decide to charge a XXXX dollars? I am under no contract with the collection agency and the court is only aware of the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: Security Credit Services, LLC
State: MS

Complaint narrative:
On XX/XX/2019 ; I was notified that a name under my social security number is showing up. This name is not mine and I have not attempted to apply for any credit. As this is not my name with a XXXX at the end, this is believed to be fraudulent activity and coinsides with the notification that my name is also showing up under another race. I have attempted to resolve this issue with no results. I would like the inquiries removed from my report as I did not apply for any credit. Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have tried to resolve an issue with Lowes via credit bureau dispute and via phone. I believe Lowes is being negligent and lazy about their credit reporting and it is preventing me from getting a much needed loan.

The matter is that the Lowes account went delinquent in XX/XX/2015 and was sold to XXXX in XX/XX/2015. I settled with XXXX in XX/XX/2015 yet Lowes continues to report on my credit report every month and they are reporting a negative status. 

That practice is illegal and they by law have to fully investigate consumer claims. They are not doing that

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 2019-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
opened a One Deposit bank account with Citizens Bank in XX/XX/XXXX after receiving multiple marketing emails from them stating that I would receive a {$200.00} bonus if I deposited {$500.00} into the account within 30 days. On XX/XX/XXXX I deposited that {$500.00}. In XX/XX/XXXX, I called to check on my {$200.00} bonus and was told it could take a while to show up in my account. I then called back in XX/XX/XXXX and was told to call back in two weeks because the bonus should apply at the end of the month. So I called back a few weeks later and was told it could take up to 90 days. In total I called 6 times, those dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After 90 days I called the customer support team again and was told that they would have to contact their marketing team. I was assigned a case manager who never answered any of my calls and called me back 5 days later to inform me that the bonus would not ever apply to my bank account because Citizens Bank does not have the correct link they need to apply the bonus. Instead of them finding verification that their link doesn't work properly, they decided to ask me if I had a 4-month-old confirmation email from them. After 5 months of being told to wait for my bonus, which I am entitled to because I followed the rules that were laid out for me, I am being told that this bonus does not apply to me. This is a scam. My case manager claims she has no control over it and the fact that her customer service agents are incompetent and told me I would receive my bonus. She also stated that this happens often and usually clients are able to produce the emails. Which only tells me that Citizens Bank is not properly handling these bonuses. Again, this is a scam. It is deceptive to have someone add funds to a bank account under the guise of a bonus then claim they are not going to receive it because they didn't save a 4-month-old email. I would like to receive my bonus as it was promised to me when I opened the bank account using this link https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX and Transworld System are continuously reporting inaccurate information on my credit profiles. Both companies are alleging that I owe them. I have previously communicated with both companies ( see attached ) disputing the validity of their alleged debt and even requested they provide the documentation to indeed support that allegation that I owe them. Transworld NEVER provided a dunning letter to me prior to inserting the erroneous entry on my report, nor did they allow 6 months from the time of the alleged debt for insurance to pay per Affordable Care Act.  These entries from both companies should NOT be reflected at all. 

I have continuously made payments to XXXX for these same exact debts that these 3rd party collection companies are asserting I owe. How do I owe them anything if I am paying the company itself? This is absurd and illegal. Additionally, both companies should provide a copy of the contract they have that reflects my signature that binds me to owing them ... .... See attached documentation that reflects my payments to XXXX for all outstanding balances I have with them. My monthly payment arrangement is with XXXX ; therefore, I do not owe XXXX nor do I owe Transworld. 

DELETE BOTH OF THESE ERRONEOUS ENTRIES AS THEY ARE INACCURATE AND UNVERIFIABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
I disputed directly with ERC in XX/XX/2018. I received a copied bill that the dates on some pages where edited and information changed. I sent a 2nd request on XX/XX/2018 to dispute and req signed contract or judgment as the address listed in the documents was no longer my address at the time/dates listed. Address the dates were altered and not matching date/ year that's in the history. I have not received a response from ERC.. They continue to report inaccurate information in my credit report. Attempt to dispute via credit agency a s they stated I have to dispute directly with ERC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was served with a summon for credit card debt by Midland Funding LLC. This is the second time that they sue me. The summon was signed by Judge XXXX at XXXX XXXX XXXX County. Case # XXXX. 
The name in the document is right and address are right. I have to say that My information were stolen in 2014. 

There is something scary about how this people operate. The documents envelope was open and the person delivering the summon say that the packet was open. The messenger says that the envelope was sent that way. However, my security camaras caught the person was opening the packet Thats a breach of privacy. 

I want the chargers drop ( again )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
When I received my Annual Credit Report as well as a copy from your site, zero late accounts and zero negative accounts, yet, my credit union, XXXX, states that you are advising them of me having a serious delinquency. Something in your systems is giving this information and i need you to review it and fix it immediately, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: PR

Complaint narrative:
Regarding my last complain with CFPB XXXX against Transunion .They clearly continues violating the FEDERAL CREDIT REPORTING ACT For my surprise they are asking me a verification of my current mailing because the one that I provided in my last complain with CFPB is not listed in their records. That information is totally false!! See one copy of one of the multiple letters that Transunion send me every time I ask for an  investigation and you can see clearly that is the same address that I use in my last complains with the CFPB. They are clearly dilating the issue of my last complain XXXX. I DEMAND Transunion to solve immediately the complaint XXXX and stop delaying the process

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 2019-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the date XXXX 2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: IL

Complaint narrative:
I asked a particular bill collector ( Franklin Collection Agency ) to  provide original documentation verifying a debt with XXXX on XX/XX/XXXX. XXXX is a part of XXXX XXXX XXXX, and I expressed to this collection agency in writing that I have already paid this bill. They are continuing to pursue an already satisfied debt which I will not pay again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
We were in a chapter XXXX bankruptcy and found that our lender had derogatory notations on our credit report. We reaffirmed our mortgage with Wells Fargo after bankruptcy and they didn't report it to XXXX XXXX because we had made a complaint. After over a year and a complaint to the CFPB they placed our mortgage back on my husbands credit report They will not place it back on to my credit report Please help me I just dint understand why-three of the credit reporting agency 's have fixed this but Wells Fargo refuses to contact XXXX XXXX and report my mortgage correctly Is their anything I can do Not reporting my mortgage is negatively affecting my ability to obtain credit and my credit score

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 2019-05-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: VW Credit
State: MA

Complaint narrative:
On Wednesday XX/XX/XXXX, I went to the XXXX XXXX dealership with a family member who informed me that he had spoken to a sales representative who informed him that they were able to do six-month leases for situations where a co-signer was needed. I want to strongly state that I was opposed to being a co-signer for this person, what made me change my mind was what took place at the dealership. I later learned that this sales person was a friend of the family member and that the six-month lease deal was a ploy they used to convince me to co-sign for him. When I hesitated about signing the lease, the sales person told me that he had bad credit and that a family member had co-signed for him and within six-months his credit had improved and his co-signer was able to get out of the loan. I finally signed the agreement and a month later the family member started defaulting. ( I recently learned on this CFPB site that the creditor VW credit was supposed to provide me a separate notice about co-signing which they did not ). 

I contacted VW Credit to try to find a solution about the tactic used to have me sign on to this loan but instead of offering a solution they also participated in unfair and deceptive practices. On XX/XX/XXXX, I learned that they extended the term of the lease without obtaining my consent or signature on XXXX different occasions on XX/XX/XXXX and XX/XX/XXXX. Without my permission they extended the lease from terminating in XX/XX/XXXX to XX/XX/XXXX based on the co-applicants requests without informing me. The co-applicant turned in the car in XXXX of XXXX now I'm being asked to pay {$13000.00} in a XXXX XXXX invoice. My credit is ruined, it was XXXX on XX/XX/XXXX now it's in the low XXXX and now I have this debt that I can not pay.

Company response to consumer: Closed with explanation