vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-09 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I had a XXXX XXXX account that was opened XX/XX/XXXX. The account was closed XX/XX/XXXX. Because I never made payments on the account, I had a judgement against me. The judgement was satisfied after I made my final payment. XXXX XXXX, a representative from XXXX XXXX was over-seeing the account. After making my final payment in XX/XX/XXXX, he said that the information would be sent in the credit bureaus to update my report. I've been contacting Mr. XXXX since early this year ( XXXX ) to help with the corrections. Mr. XXXX then told me he didn't have any control of what would be updated with the bureaus. I contacted the 3 bureaus and they told me to contact XXXX XXXX. I contacted XXXX XXXX and they told me that they couldn't do anything about it. I've been experiencing the run arounds since XXXX of this year. I've contacted the Minnesota Attorney general 's office as well. I have yet to find help with this issue. The status on my credit report is not showing paid as it should be. It also shows that I still have a balance. I've written multiple letters to all 3 bureaus and nothing ever happened ( No response ). I've had the status to change on other items on my credit report accurately this year, but nothing has been done with the XXXX XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On my XXXX report this doesn't appear, I have the same creditor and they are charging me from 3 different companies.And the amount keeps getting higher. Can this be done? Because i have read on your page it is called double jeopardy. I had insurance. And if my insurance did not pay i was not aware of it. 

COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/2018 {$1800.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$1800.00} Highest Balance {$1800.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$1000.00} Highest Balance {$1000.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/2018 {$940.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$940.00} Highest Balance {$940.00} Opened XX/XX/2018 ( 1 mo  ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: IA

Complaint narrative:
I did not receive my payroll direct deposit and calling the customer service department did nothing to resolve my issue.

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 2018-11-09 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: CA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account Chapter XXXX Bankruptcy Discharged XXXXXX/XX/XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that Chapter XXXX Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018 I was charged a late fee of {$27.00}, because I did not have access to the internet XX/XX/XXXX, and XXXX due problems with ISP. 
I also have XXXX  very small kids - so it's hard to get out of the house. 
I paid the minimum due as soon as internet became available - on the XXXX. 
Please refund the fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09 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: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account CAPITAL ONE XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE XXXX  XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KLS Financial Services, Inc
State: AZ

Complaint narrative:
This collection account is showing on my credit report. opened last XX/XX/2017 with a balance of {$47.00}. This is an identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
While I haven't agreed to the defaulted original amount that Hunter Warfield Inc trying to collect for the Creditor named XXXX, Hunter Warfield keeps adding interest charges ( I guess ) to the original amount. I have never received any written notices or verbal notices on that. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX Transunion, XXXX  and XXXX have items on my report that are deemed unfair which also limit me from improving my credit. I tried to get in contact via phone with those credit bureaus with no response. I would like to dispute those reports to help improve my credit in order to move forward with potential future finances. Thank you for help!

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 2018-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted XXXX, XXXX, and transunion I sent documents fax and also mail letters to them I also contacted a few companies about this matter yet I still on my credit report and I would like for it to be removed.

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 2018-11-09 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: NY

Complaint narrative:
I have contacted XXXX, equifax, and XXXX I sent documents fax and also mail letters to them I also contacted a few companies about this matter yet I still on my credit report and I would like for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XXXX, Equifax and XXXX have items on my report that are deemed unfair which also limit me from improving my credit. I tried to get in contact via phone with those credit bureaus with no response. I would like to dispute those reports to help improve my credit in order to move forward with potential future finances. Thank you for help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Overton, Russell, Doerr and Donovan, LLP
State: FL

Complaint narrative:
I contact the credit collection agency, and told them I never received 1 phone call or a letter from them. I had no idea that I had an unpaid debt. They stated they mailed a letter to my old address, then to much current address. I told them that was false because I never received anything from them. They even verified my address and phone #. So they never bothered to contact me. They said it was a debt back from XX/XX/2018 which would still be false because if they had a bad debt to collect, then it would have to be something that wasn't paid for at least 30 days which would date back into XX/XX/2018. For which I shouldn't have had anything past due at that time. So the medical center is to blame for sending me to collections for something that I wasn't past due on. Debt amount was {$65.00}. I paid them with my credit card on XX/XX/18. I found out about this being reported to my credit through XXXX XXXX. If I would have been notified I would have immediately paid it before it was put on my credit report. 
Collection agency is : Overton , Russell , Doerr and Donovan , LLP XXXX. XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My joint checking and savings account at Citibank have been ope for over 25 years. In XX/XX/2018 Citibank contacted my wife to complete a Know Your Customer requirement. She spent 2 hours on the phone answering among other things the value of my home and such degrading questions as how much money does your husband allocate to you for spending On XX/XX/2018 I tried accessing my account on like only to get a message the account was frozen. Each day since Ive spoken to Citibank and am told the account is frozen because Citibank has not had time to review the KYC questions provided by my wife. As a result of freezing the account I do not have access to nearly {$7000.00} for over a week. All my auto payments including mortgage utilities and credit cards are delinquent. My credit is now also frozen Citibank assured me back in XXXX that the matter would be resolved in 4-5 business days but there is nothing else it can do My 800+ credit score undoubtedly will be impacted because of Citibanks incompetence Does Citibank have liquidity issues? How can it feeeze my funds because its staff doesnt have the time to review a 2 hour questionnaire that had many irrelevant and degrading questions

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 2018-11-09 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 Credit Acceptance, LLC
State: LA

Complaint narrative:
There's a late payment that has been reported by American Credit Acceptance in XX/XX/2018 I haven't been 30 days late in over 2 years they said they were going to take care of it they have not. I have submitted several disputes to have it removed the credit bureaus denied it I have submitted my payment history to the credit bureaus and they still denied my claim. I don ; t think American Credit Acceptance tried to take care of this. They ruin people 's credit and think it's ok.

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 2018-11-09 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
This company keeps calling me 2 3 times a day I've been trying too tell them I'm not working I'm on SSI they keep asking me to ask someone to help me pay it off this is from 2012 I would like for this to be removed off my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX, XXXX XXXX XXXX XXXX XXXX XXXX reported to Transunion that my Home Equity Line of Credit balance was changed from {$25000.00} to {$0.00}. Though this balance was updated in XX/XX/XXXX the report states that it was updated XX/XX/XXXX. This account had been Charged off XX/XX/XXXX and is now reporting Charged off XX/XX/XXXX. 

On XX/XX/XXXX XXXX  reported to XXXX a balance of {$0.00} and that the account was ( Charged off / {$25000.00} written off ) with a status date of XX/XX/XXXX On XX/XX/XXXX XXXX   Reported to Transunion a balance of {$25000.00} account with charged off status and Date Closed XX/XX/XXXX On XX/XX/XXXX XXXX reported to XXXX a balance of {$25000.00} and charged off account status. On XX/XX/XXXX XXXX reported to XXXX a balance of {$0.00}. 

When XXXX update the report to Transunion XX/XX/XXXX they updated the balance to {$0.00} they also deleted the date the account was closed. The date closed was reporting XX/XX/XXXX. Now the Transunion Credit Report is being seen by Fico and creditors as being open with a charge off date of XX/XX/XXXX. Though this was charged off XX/XX/XXXX. This also caused my Fico Score to drop significantly. 

These actions coincided with me applying for a mortgage preapproval XX/XX/XXXX. 

I contacted XXXX about this account and told them the account was reporting as open and a newer charge off date of XX/XX/XXXX they said that it is being reported correctly across the reporting agencies. They told me the information must be misinterpreted by a lender if they think the account is open since the account has a charge off status and no payment since XX/XX/XXXX. 

My issue with this explanation is they are aware that the information being reported will be misinterpreted as incorrect. Also with a date of status of XX/XX/XXXX for chargeoff how would any one know that it was actually charged off in XXXX. 

I disputed with transunion about the issue with the date closed being removed along with documentation of the incorrect date being reported for Charge Off Status and they responded that they verified it belongs to me. This leads me to believe that they did not investigate since I never disputed that it wasn't mine. 

My complaint is with Transunion and XXXX XXXX XXXX incorrectly reporting. XXXX and XXXX  are not an issue.

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 2018-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I opened a secure credit card account with Capital One in XXXX, 2018. I closed it on XX/XX/2018. I am suppose to get a {$420.00} refundable deposit returned to me, and a {$440.00} credit balance refunded as well, total = {$860.00} but I have not received either one as of todays date. IT is part of the credit card agreement and consumer has fulfilled his duties by honoring the credit card agreement and owes nothing to capital one on the account so he should get his deposit back as ( per the agreement after an account has been closed ), and the account paid in full. Consumer has uploaded saved chat with Capital One Represenative, ( see attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: TX

Complaint narrative:
I returned the item but against the creditors repo of a late item it was sent back to me without a new account agreement. It may be a fraud report because Iake the item and computers. Or someone using XXXX logo. The late fees were not my responsibility but I paid the remaining balance.

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 2018-11-09 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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Sandtander of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX   credit reportsXX/XX/2018 related to that fraudulent application. An official dispute of this inquiry was submitted certified mail with return receipt to Sandtander XX/XX/2018 and againXX/XX/2018 however in each instance Sandtander failed to reply to the status of the investigation and/or removal of the fraudulent related information from my clients credit report ( s ). This is a violation of the FRCA and my clients federal consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: SC

Complaint narrative:
I foolishly accepted a loan from XXXX XXXX XXXX in the amount of {$1400.00}. XXXX XXXX XXXX is a predatory payday loan lender. The payment schedule is {$490.00} per pay day which is extreme. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On a {$1400.00} loan, the fees collected should be {$210.00}. On the XXXX XXXX XXXX website within my account portal, the link to the payment schedule does not work nor does the link to my loan documents. It is impossible for me to see when this loan will be paid off. I do know that paying {$980.00} per month ( on months with two paydays ) or {$1400.00} per month ( on months with three paydays ) is because I am being charged an excessive, bordering illegal interest rate. 
XXXX XXXX XXXX preys on individuals in financial difficulties. It is disgusting, appalling, greedy and should be illegal. They hide behind tribal laws to take advantage of consumers with few choices. 
I fully accept that I must repay the {$1400.00}. I also accept that I should pay the {$210.00} fee for a total of {$1600.00}. I do not accept that I should be paying {$490.00} per payday!!!! At that rate, I will never get out of this cycle which is what " companies '' like XXXX XXXX XXXX hope for. 
I want to settle my account with the following payment schedule : {$200.00} per payday beginning XXXX XXXX. I will make 7 payments of {$200.00} with a final payment of {$210.00}. My first payment will be XXXX XXXX with my final payment made on XXXX XXXX. I want my account marked Current/Good Standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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 that should be on the report is missing
Company: FIRST ADVANTAGE CORPORATION
State: CO

Complaint narrative:
I don't know why In my full name, the middle initial has been omitted, I am applying for a job and my social security card has my complete full name but when they ran the background check, it doesn't match. 
They have in file my name in 5 different ways but none of them match my complete full name and all of those names are the same person, I am all 5 names along with my complete full name.

Company response to consumer: Closed with explanation