vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-22 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:
On XX/XX/XXXX I noticed several inaccurate and erroneous information on my credit report accounts, and discrepancies that cause my credit score to take a deep dive in scores. I am submitting this complaint pursuant to FCRA 15 U.S.C. section 1681 ; 1. I noticed that XXXX  account is reporting that I am not paying on the debt owed. I state that I made payment arrangements with XXXX  and I have met the agreement by paying more than the minimum arrangements. The reporting from XXXX  is incorrect.

2. I contend that FICO, Equifax, XXXX, and XXXX  all credit bureaus have applied unfair practices to calculating my overall credit score. I state that my payment history is more than 90-percent and I have no Derogatory marks or collections on my credit report.

However, my credit score is lower than when I had numerous accounts owed on and collection acccounts on my credit report more than three years ago.

3. I state that the credit score is not consistent with my overall credit score which was XXXX in XX/XX/XXXX. I contend that my credit score is not fairly calculated and assessed by the Credit Bureaus. 
Therefore, I am requesting an investigation into this matter and ask that this Bureau review my claims and order the Bureaus to re-calculate my credit scores in keeping with Fundamental fairness practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received a settle in full offer by email from american express, regarding account ending in XXXX, on XX/XX/20. The settlement offer had indicated : if I pay {$180.00} by XX/XX/20. the account would be adjusted to settled in full. On XX/XX/20 I called XXXX, Which is an XXXX XXXX  office, and discussed settling the account. The Representative had indicated an immediate payment of {$160.00} wound be sufficient to settle the account in full. I made the payment on the phone with my checking account. On XX/XX/20 American express updated my credit report to reflect the {$160.00} payment, however they marked it as charge off, therefore my credit score tanked 14 points. I was in the process of refinancing and this cost me substantially. 
I called the previous phone number, the Representative confirmed the account was settled in full, and connected me to the credit reporting department. Here 's where it get interesting. 
American Express credit reporting department confirmed they knowingly, inaccurately updated my credit report and explained this is American Expresses policy. I asked in detail, why would my report show the payment, as charge off? the answer : after we receive the payment american express waits 20-30 days before updating the status of the account. I said, but American Express went in, and updated the payment amount on XX/XX/20 and inaccurately changed the status as charge off, instead of settled in full. I indicated to the Representative : you have a responsibility to accurately report the status to the credit bureau. I then opened a dispute through the credit reporting agencies. American express again, refused to accuracy update the account status. Please direct this illegal policy to end

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hi, I submitted a request for multiple accounts to be investigated on my XXXX  credit report. XXXX  will come back and say the account has been verified. I would have no issue with this if items were properly investigated. I have attached multiple account statements I have received from collection accounts saying they verified my account with these statements. 

These statements I have received tells me XXXX  has not investigated properly. Anyone can make a Statement saying I owe money its not the original signed consumer contract. 

I expect the accounts I have attached to be deleted and I also expect all my other accounts to be re-investigated properly and validated. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.

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 2020-03-22 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Hi, I submitted a request for multiple accounts to be investigated on my XXXX  credit report. XXXX  will come back and say the account has been verified. I would have no issue with this if items were properly investigated. I have attached multiple account statements I have received from collection accounts saying they verified my account with these statements. 

These statements I have received tells me XXXX has not investigated properly. Anyone can make a Statement saying I owe money its not the original signed consumer contract. 

I expect the accounts I have attached to be deleted and I also expect all my other accounts to be re-investigated properly and validated. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: U.S. BANCORP
State: AR

Complaint narrative:
Despite paying $ XXXX in settlement regarding this issue a few years ago, USBank continues to improperly, if not illegally, re-sequence items ( i.e., checks, auto-drafts, debit card transactions, etc. ) from largest to smallest to maximize overdraft fees. 

On several occasions over the past few months, I have checked my account online at close of business to verify that I had funds available. However, by re-sequencing items overnight, the bank charges of {$36.00} per item resulted in items being returned instead of paid. The total damage just in the past several weeks has been hundreds of dollars. 

This damage is exacerbated by the recent, ongoing COVID-19 crisis and my complete loss of income for the foreseeable future.

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 2020-03-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I never had this account. I believe that somebody used my personal information and applied for this. I'm not responsible for any transactions.

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 2020-03-22 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: GA

Complaint narrative:
On XX/XX/XXXX I noticed several inaccurate and erroneous information on my credit report accounts, and discrepancies that cause my credit score to take a deep dive in scores. I am submitting this complaint pursuant to FCRA 15 U.S.C. section 1681 ; 1. I noticed that XXXX account is reporting that I am not paying on the debt owed. I state that I made payment  arrangements with XXXX and I have met the agreement by paying more than the minimum arrangements. The reporting from XXXX  is incorrect. 
2. I contend that FICO, XXXX, Experian, and XXXX  all credit bureaus have applied unfair practices to calculating my overall credit score. I state that my payment history is more than 90-percent and I have no Derogatory marks or collections on my credit report.

However, my credit score is lower than when I had numerous accounts owed on and collection acccounts on my credit report more than three years ago.

3. I state that the credit score is not consistent with my overall credit score which was XXXX in XX/XX/XXXX. I contend that my credit score is not fairly calculated and assessed by the Credit Bureaus.

Therefore, I am requesting an investigation into this matter and ask that this Bureau review my claims and order the Bureaus to re-calculate my credit scores in keeping with Fundamental fairness practice.

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 2020-03-22 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: FL

Complaint narrative:
I never had this account. I believe that somebody used my personal information and applied for this. I'm not responsible for any transactions.

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 2020-03-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I never had this account. I believe that somebody used my personal information and applied for this. I'm not responsible for any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: GA

Complaint narrative:
Enhanced Recovery Company is violating Fair Debt Collection Practices Act trying to collect interest, fees, or other charges on top of amount or fraudulently changed amount from previous closed account with XXXX XXXX XXXX, previous amount was XXXX XXXX reported XX/XX/2020 and ERC is reporting XXXX as of XX/XX/2020. This is a violation and the account needs to be removed immediatly. ERC has also re-aged the account as well, causing the negative credit report entry to remain on my reports longer than is legally permitted. ERC never sent any mailed notification of the account not allowing me to attempt to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Cards has been charging me a payment safeguard fee For years when I never signed up for this feature and they have been sued for it in the past for their misleading of customers and fraudulent charges for this service. Their letter to me after asking to hear or see documents/recordings of my enrollment in payment safeguard stated they were unable to fulfill your request to listen to the enrollment conversation and denied reimbursement of the fees. 

I never signed up or agreed to these additional fees and was either enrolled fraudulently or was grossly misled. 

The fees they have been fraudulently charging me equal well over {$1500.00} from XX/XX/XXXX til the end ofXX/XX/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 2020-03-22 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: IL

Complaint narrative:
I sent it a dispute letter on XX/XX/2020 filing a complaint on inaccurate information reporting on my credit report to all three bureaus. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract. Under federal law, they have thirty days to complete the investigation and I received no reply. 

On XX/XX/2020, I sent a letter as a formal notice of my intent to file a complaint with the FTC reminding them that Under federal law, they have 30 days to complete the investigation, yet they have failed to respond. 

This is a violation of my rights and I am not able to move forward with my life with these inaccuracies on my 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
Consumer complaint received 2020-03-22 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: FL

Complaint narrative:
XXXX  ( File # XXXX ) I received Investigation Results from XXXX dated XX/XX/2020 in response to a Public Record Dispute I submitted in XX/XX/2020. XXXX results list the Public Record as VERIFIED AS ACCURATE, which I know to be false and unsubstantiated. I have a letter from the US Bankruptcy Court NJ confirming they do NOT provide verification to any entities ( attached ). Furthermore, I also disputed the Public Record with XXXX with the evidence/supporting documentation I received from the Bankruptcy Court and XXXX has since DELETED the Public Record from my data report ( letter attached ). XXXX, Equifax, and other consumer reporting agencies look to XXXX for verification and, despite this, XXXX   insists this item was verified. And, this is not the first time Ive disputed this particular issue. 
XXXX Equifax ( Confirmation # XXXX XXXX I received Investigation Results from Equifax dated XX/XX/2020. Equifax mentions on their Web site that Public Records are verified by a third-party vendor, XXXX. XXXX has DELETED the Public Record from my consumer data report ( letter attached ). I submitted this proof to Equifax and asked that they do the sameDELETE the Public Record from my Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
I would like to report a fraud against Xoom Corporation. Recently I've made a transaction from Xoom to  transfer funds from my XXXX XXXX  account to XXXX XXXX  account but the funds were never deposited in my XXXX XXXX  account. I've sent Xoom multiple email communication and made phone calls but no one is responsible enough to look into this. Also, I've shared my both bank statements ( the sending and the receiving bank ) to verify that the funds were never deposited. I'm going through a lot of mental stress because of all this. Please help me out here. 

Transaction Initiated from US : XX/XX/2020 Transaction # : XXXX Transaction Amount : XXXX USD I'm attaching the bank statements for the reference. Please let me know if any further details are needed from my end. 

Thank You!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
On XX/XX/XXXX I paid XXXX XXXX  {$87.00} to overnight a package to a XXXX XXXX address. The package was scheduled for delivery on XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX I called XXXX to inquire where the package was for the package had not been delivered. XXXX stated a delivery attempt was made but no one was home. Someone was the XXXX XXXX address all day. Also XXXX was given instruction no signature was required for the delivery ; therefore the package could have been left at the front door of the residence which happened to be a gated community. XXXX stated that the package would be at one of their stations for pick up the next day. I needed the package on XX/XX/XXXX. XXXX apologized and offered to refund me the overnight delivery fee and that I would need to call them on Monday to request a refund.The package was pick up from a XXXX station, XXXX miles away. 

I called XXXX to request the refund and was told the overnight delivery fee of {$87.00} would be refunded to my AMEX card. A month went by and I still had not received the refund. I called XXXX and they still claimed that the refund had been sent and to contact AMEX. I contacted AMEX and completed a dispute with AMEX around XX/XX/XXXX or XXXX of XXXX. I have not heard from AMEX or XXXX. Looking for my refund from XXXX to be credited to my AMEX card in the amount of {$87.00}. Someone please assist with this matter. 

Sincerely

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NJ

Complaint narrative:
I requested a forebearance earlier this year and asked that it be backdated to XX/XX/2019, as I was having some financial issues. Firstly, every time I tried to request it, the website, which is VERY misleading to even pay your bill, would tell me I'm not eligible. I kept trying and kept getting this message. Finally I decided to call them and they said that it was a glitch and j should have called to set it up. So I did, and requested it retroactive XX/XX/2019. But through numerous attempts to contact them and remediate this, I am still nowhere and they are not backdating to XX/XX/2019. I know they do this for many other customers but I am hitting a roadblock and also they reported me 30  days late back in XX/XX/2019. The responses I get are useless and noone has been able to assist and back date the forbearance. This is now 3  months later and still no response which I think is very unprofessional and biased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had been paying, on time, my Capitalone auto loan account on time from XX/XX/19 to XX/XX/19. 
in an effort to improve my credit, which I had improved to 700-750 [  ALL MY BILLS HAVE BEEN ON TIME FOR THE PAST 2 YEARS OR LONGER ] .On XX/XX/2019 the auto loan MATURED with a remaining balance of late fees totaling {$1100.00} ( + ). Prior to the XXXX maturation of the loan, I contacted Capitalone on to occasions to satisfy the late fees to prevent it from being reported to the credit bureaus or turned over to an outside collection agency within 90 days. They stated it would not be a problem and it WOULD NOT be reported to the credit bureau as long as the balance was paid within the 90 days. I continued to pay the original loan amount in XX/XX/2019 of {$630.00}, In XX/XX/2019, Capitalone reported my account 30days delinquent because the entire balance of {$1100.00} was not all paid. Although I was paying the balance down, they continued to report the remaining balance as 60 days late and finally 90 days late. I cleared the balance in full on XX/XX/2019. As I'm satisfying the balance, I'm also in constant contact with Capitalone to remove the incorrect data on my credit report.To this day, this was not corrected to my satisfaction, with the erroneous information remaining on my credit reports and continuing to destroy my credit

Company response to consumer: Closed with explanation