vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-30 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: NV

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute letter to all 3 Major Credit Bureaus about accounts on my Credit Profile that was inaccurate. All The major credit Bureaus submitted me an reinvestigation completion letter on XX/XX/XXXX. 

The reinvestgation letter stated that all accounts have been confirmed as accurate and that the investigation was complete. On XX/XX/XXXX, I submitted a 2nd letter to all major Credit Bureaus asking them how did they verify this information and I would like Validation from them as to who they spoke with verifying this information. 

All 3 Major Credit Bureaus have yet to provided me with validation information on how they confirmed these delinquent accounts were mine. They have yet to respond accurately to my second letter. Instead, these major credit bureaus have ignored my dispute letter and letter of validation. I have yet to receive an accurate response and validation of my accounts. It has been over 30 days since my 2nd dispute letter.

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 2019-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hard inquiry was shown on my credit report which I do not owe. I never opened an account with XXXX department store. I am reporting this debt as an identity theft complaint. I have never been contacted by this company and only found out about this until it showed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX forwarded all information on the on-line application, but on-line page was not at its best, and stated some one will mail you are decision, there was to be a decision after completing the application that was stated on this web-page, but never happen, a letter did come in the mail, stating application number XXXX, the part for your credit score was 0, date 0, scores range a low to high 0, key factors that adversely affected your credit score, N/A, the next page states : Thank you for your recent application for a Kohl 's Credit Card account issued by XXXXl XXXX, XXXX. We regret that we are unable to approve your request at this time for the following reason ( s ) : Unable to verify physical address, the address was on the application this is a lie, it also states information obtained in a report from the consumer reporting agency listed below, N/A,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
My car was recently siezed by the us border patrol ineeded my finance company to recover car for which was possible because it is stated in contract and was told they would not be recovering the car and if I wanted to pay XXXX to pay of loan and that was all they could do I had the car for 4 month with a 20  percent interstate rate

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 2019-11-30 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: Clarity Services
State: MS

Complaint narrative:
I recently conducted a ANNUAL review of my Credit Reports. I noticed a HARD INQUIRY, by CLARITY SERVICES INC, on my XXXX  Credit Report ( See Attached ). I called CLARITY SERVICES INC and they said they are PART OF XXXX, and they did a HARD INQUIRY on my XXXX  Credit Report because of a Payday Loan I applied for in XX/XX/2018. I have never heard of CLARITY SERVICES XXXX, and when did Payday Loan companies start doing HARD INQUIRES on applicants ' Credit Reports?! 
I asked CLARITY SERVICES INC to mail me a copy of the Payday Loan Application that I signed CONSENTING to a Consumer Credit Report Inquirythey sent a packet of worthless paperwork, but they did not send the documentation that I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: NY

Complaint narrative:
I was approved by capital one for a credit card, they sent me a credit card. I was then told to submit documents to verify my identity. I do not have drivers license. So I spoke to a manager and was told to submit alternative documents. Once I did this, another manager deniedy credit card being unflagged and just stated that the other managers directions and request for documents do not matter. 

This happened on XXXX XXXX 2019, I spoke to Ms. XXXX who's ID Id. XXXX My case number is XXXX Ms. XXXX who is a manager told me to send my documents to the secured link, which I did. 

After the seven days I was then denied and told by Ms. XXXX that what Ms. XXXX told me doesn't matter and my credit card would not be activated. 


My credit score has decreased and I am being discriminated against although I was approved and passed all the requirements to get the line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently conducted a ANNUAL review of my Credit Reports. I noticed a HARD INQUIRY, by XXXX XXXX XXXX, on my EXPERIAN Credit Report ( See Attached ). I called XXXX XXXX XXXX and they said they are PART OF EXPERIAN, and they did a HARD INQUIRY on my Experian Credit Report because of a Payday Loan I applied for in XXXX 2018. I have never heard of XXXX XXXX XXXX, and when did Payday Loan companies start doing HARD INQUIRES on applicants ' Credit Reports?! I asked XXXX XXXX XXXX to mail me a copy of the Payday Loan Application that I signed consenting to a Consumer Credit Report Inquirythey sent a packet of worthless paperwork, but they did not send the documentation that I asked for.

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 2019-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: CA

Complaint narrative:
The situation is as follows : I visited a hospital Emergency Room In the XXXX XXXX, CA area on, or about XX/XX/XXXX for an emergency medical condition in which I arrived by 9-1-1 ambulance. At that time I presented the particular Hospital in question - ( of which this bill is being submitted ) - with proof of my enrollment in the Medi-Cal program- ( Medi-Cal is the name of the Medicaid program in the State of California ). 

This reported debt is for an amount due by balance billing- ( the practice of billing a patient for the balance of monies due that were not covered /paid by insurance coverage ) - ; however, I was a Medicaid patient at that time and the full balance for services rendered -as per Medicaid- was paid to this facility & providers. 

My visit was billed to Medi-Cal/ XXXX XXXX XXXX public health plan. I informed this hospitals billing department of this fact of NUMEROUS occasions ; and, also informed them that under California law the balance billing of Medi-Cal patients is illegal. 

Furthermore, this collection agency continues to report this debt to the credit bureaus as if it is new/recent, when in fact this goes back over 5 years to XXXX. 


I have attempted to resolve this issue through the listed collection agencies, as well as through the dispute process with each one of the three major credit bureaus. The organization listed below continues to report this false/incorrect/erroneous information.

* ( Please note that there are several of these incorrect/fraudulent debts reported on my credit report ( s ) which I will be filling similar complaints about. Please read each one as unique. Thank you, XXXX XXXX ) The account details, as per the collection agency attempting to collect this *erroneous* debt is as follows : Bureau Name XXXX XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 4 Years, 6 Months Credit Limit Not Reported Highest Balance {$4800.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX, a part of experian - membership expired and at the expiration they unlocked my credit without my instruction or permission. 

Amounts to extortion to pay for membership to maintain credit lock. Experian is the one that had a breach of my data. 

Guessing this is happening to thousands of people that received the free service after their breach. 
Remedy ... lock my credit and do not unlock without my permission.

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 2019-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: UT

Complaint narrative:
During the time my loan was scheduled for repayment in XXXX I was having to defer my payments. The problem came when the state of Utah ORS ( office of recovery ) was coming at me for XXXX XXXX   When asked to submit my bills to adjust the amount to be payed, they would reject my student loan as a legitimate bill. I spoke with my lender Great Lakes borrowing service and they said that ORS cant do that because it is a federally backed student loan, I replied I KNOW. Great Lakes says that I will have to put them in deferment. After they set the rate of XXXX XXXX I was able to find a higher paying job and once again they raised my XXXX XXXX  and again excluded the student loan as a bill I had to pay. I asked ORS why  this was and the replied : most men do not pay it when allowed as a bill so policy says that it should not be considered. I spoke with Great Lakes again and the says well you will have to put it in deferment. I wanted to fix my credit including my student loans so I began working a lot of overtime to try to get ahead and ORS raised my XXXX XXXX. And cause I showed that I can make more money on a regular basis as if I had a 2nd job. XXXX XXXX goes up,  Great Lakes says I have to defer payments. Now in XXXX I am finished with XXXX XXXX they can not come after me for it anymore. So I start working with student loans again and work into a repayment program. They come back and say my little {$19000.00} student loan is now up to over {$60000.00}. I felt abused by the system cause I should have been able to repay it. So I decided I was not going make {$650.00} monthly payment because it is not a bill according to the State of Utah. Student loans are now garnishing my checks and say that my {$19000.00} loan is now {$100000.00}. This whole process has not been fair. I feel my loan servicer should have stepped in to assist me with states absurd reasoning that it was not a bill. If anyone owes this bill it should be the State of Utah because they would not allow me to repay it at a time when it was manageable and took any excess money I could gather to use for XXXX XXXX of XXXX children. By the way my ex was the adulterer and I left and went to better myself for me and my children. I could never get on my feet financially. I had to have roommates to even afford a roof over my head. I lived in XXXX, CO most of that time. There was a much higher cost of living difference, but state of UT would not recognize that either. I feel that I have been punished for bettering myself for long enough and would like to see my student loans forgiven for attending a school that no longer exists. As a matter of fact the school instructor says it wouldnt matter if you didnt repay your loans cause they could take your house, car and taxes but they can never take away your education,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX/XXXX/2019 Wells Fargo declined a transaction for the amount of XXXX when I was ordering on line from XXXX. After being notified that the transaction was declined I was advised that if I wanted my product I would need to reorder. About a week later I noticed that I had been charged the XXXX as well as the XXXX from the second attempt to reorder. I never ordered two beds. Had Wells Fargo not declined my initial transaction I would not have reprocessed the order. The price changed but the item was exactly the same. Wells Fargo has charged me the XXXX on XXXX/XXXX/2019 and are refusing to take financial responsibility for the incident.

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 2019-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i am livid after all i been thru. i spent HOURS on the phone about this with dispute explaining it. i will not be using my cards now for some time. On XXXX i got my hair done. i was told that it would be XXXX that was what i saaw for XXXX. they then upsold me to XXXX i was livid. it was very deceptive. they use XXXX  like many merchants do to draw you in then they add charges on. then on XXXX i developed symptoms in my ear. Indeed water had been left in my ear and i developed a outer XXXX XXXX. i told XXXX the bank i wanted all my money back and i did contact XXXX XXXX. this is on my card ending XXXX they gave me some script back. I know i told them XXXX was my XXXX. bottom line i want it all back for the heck i have had all month inc a emergency room visit and 2 weeks p of needless pain from my ear water being left in it there i will pay nothing for this. today XXXX of XXXX i see it rebilled to, my account please send merchant response and why its on my account so i can respond i am now unable to use my accounts by choice. 

I explained all to supevisors they said they could understand my situation. and still wrong thing gets done i said dont come back and say i went there that day i dont dispute that. i want a refund and i explained why. i am not stopping til right thing is done but now unable to use my accounts. I suffered with a XXXX XXXX from the place. see how you would feel i have proof if i need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MD

Complaint narrative:
I have made over {$2000.00} in payments to us bank reserve line XXXX. However they have not been applied to my account. Recently i made 2 {$300.00} in payments totaling {$600.00} and a couple months ago I sent in a {$700.00} check. Us bank never applies my payments or they apply them incorrectly and keeps charging me late fees and interest fees on incorrect balance. My balance that is due should only be {$400.00}. You need to investigate this company ASAP! Where is my money going??? CONTACT ME BY PHONE THEY NEVER CALL OR ANSWER ME

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 2019-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2019, I sent a certified letter to IC System requesting the debt being reported to the credit bureaus be validated. 

I specifically requested an itemized statement of the debt owed and other documentation to substantiate the debt. In fact, the collection account date now indicates XX/XX/2019. 

My request has not been granted ; therefore, in compliance with the Fair Credit Reporting Act, I request the error be removed from reporting to XX/XX/XXXX,XX/XX/XXXX and 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 2019-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: GA

Complaint narrative:
I am a cosigner on the loan for my daughter. She was behind on her payments. I contacted Selene finance and got the dollar amount to bring her loan current with nothing owed for late charges or current month. I set up automatic payment for this mortgage. Shortly after this began I noticed an additional fee called " advance charges '' I have made three requests for Selene finance to describe to me what advanced charges are. The company has absolutely refused to give me an explanation for this. Their refusal came in the form of telling me I don't know I'll have to look into it. They have never sent me a description for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: GA

Complaint narrative:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: AR

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 2019-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT AND I FILED A IDENTITY THEFT REPORT ON XX/XX/2019. IDENTITY THEFT REPORT # XXXX. I SET UP A IDENTITY THEFT PLAN WITH FEDERAL TRADE COMMISSION. IT INCLUDED CERTAIN ITEMS ON MY REPORT WHICH WAS REMOVED BUT XXXX  AND EQUIFAX REMOVED THE ITEMS BUT PUT THEM BACK ON MY REPORT 'S BUT IN A DIFFERENT COMPANY NAME. I GUESS THEY SOLD IT TO ANOTHER COMPANY. I DON'T UNDERSTAND AND DO NOT KNOW WHAT TO DO AT THIS POINT. I HAVE WRITTEN THEM SEVERAL LETTERS BUT YET AND STILL CERTAIN ITEMS STILL REMAIN ON MY CREDIT REPORT 'S AND KEEP COMING BACK ON THEM. THE NAME OF THE COMPANIES THAT STILL REMAINS ON MY REPORT WITH EQUIFAX IS PREFERRED COLLECTION WHICH ONCE WAS XXXX XXXX XXXX. IN THE AMOUNT OF {$380.00}. THE NAME OF THE COMPANY WITH XXXX  IS XXXX XXXX BUT IT HAS NO AMOUNT ON THIS ACCOUNT AND THE NAME OF THE OTHER ACCOUNT ON XXXX IS XXXX   NAME WAS ONCE WHY NOT/XXXX IN THE AMOUNT OF {$390.00}. I NO NOTHING OF THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: GA

Complaint narrative:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

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 2019-11-30 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: GA

Complaint narrative:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

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