vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, Multiple Dispute Letters were sent out, also last one sent out was a 60 day letter to Experian and XXXX. They received the last letter XX/XX/2019. I asked them multiple times to verify and delete derogatory item. Please advise. 


Thank You

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 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is confusing my identity with someone elses, who coincidentally was born on the same day, XXXX, at the same hospital and who has the same name as I do. I have attached a copy of my Drivers License and Social Security card. Please verify and update the correct information on my Experian account. Confusing my identity with someone else with my credit reporting is harming 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 2019-05-06 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:
ITS NOT MY ACCOUNT, SOMEBODY USED MY PERSONAL INFORMATION, I DON'T RECOGNIZE IT, I WAS VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I sign up for Experian in order to dispute some inaccurate information on my credit report. I sign up with Experian with my correct name as XXXX XXXX XXXX, when I log in online to see my account, my name is shown incorrectly as XXXX XXXX XXXX XXXX, furthermore, the issues with inaccurate record with credit report was not fixed, instead, Experian kept asking me to pay for other membership level. 

I called Experian to ask them to fix this issue with incorrect information on my online credit profile, the person I spoke to verify and confirm my correct name on my credit report is XXXX XXXX XXXX, and they acknowledge my name is shown incorrectly on my online account on their system as XXXX XXXX XXXX XXXX with an extra XXXX. As a credit bureau, their job is to keep accurate record, not show incorrect data of customer when customer enter correct information then demand customers to do works for them. Even when they have the correct data on hand and acknowledge the mistake is with their site, they actually told me to get my government id and send it to their po box which I  refuse even though I have my ids because why should I do extra work to fix their mistake, and given that they are a consumer data gathering agency, it is their job to correct inaccurate data, not create mistakes on customer data and refuse to fix them even though they just said it themselves they know it was a mistake on their end and that they know what is the correct data on record.

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 2019-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I recently moved all my cash from my checking account in HSBC and emailed my banking representative to close the account at HSBC. HSBC did not respond but instead charged me an account fee. I contacted HSBC and they refused to close my account due to the balance. By doing this, they failed to act upon my request for closing account and unfairly demand a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: OK

Complaint narrative:
DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXX XXXX, FL XXXX USA Reported a debt to my credit when I was never notified of this debt. Secondly, it was regarding my XXXX XXXX XXXX cable account. I cancelled the account when I moved to an area they did not service, turned in all equipment, and provided a forwarding address. I do not owe them any amount and was not even given a chance to dispute due to not getting any correspondance about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: FL

Complaint narrative:
I have disputed this account with XXXX and Trans Union and I have filed a complaint with your bureau. No one has investigated my claim. I even went as far as filing a XXXX complaint and still each entity set in place to protect me as a consumer has failed so I am trying one last time since I now have proof of this companies erroneous claims of an unpaid debt and obvious inaccuracies. I communicated via email with XXXX XXXX  XXXX XXXX  as instructed by whomever responded to the XXXX complaint and they sent me a spread sheet of payment history with their company. If you care to pay attention to the spread sheet it shows months on non payment however notations of re connection of service. How can a XXXX company provide me with service AND reconnect service without me paying for months on end? That just is not possible. I have attached the XXXX spreadsheet and a screen shot of the email communication confirming that the payments left blank is indeed what the company shows. Again i'm asking that this collection be removed because there's just no logic to their claim. I as the consumer should not be held responsible for a {$13000.00} collection from XXXX XXXX when its clearly an error on the XXXX companies behalf. They are refusing to admit fault and recognize that this does not make sense.

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 2019-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This is my work phone number. It is clear when you call and listen to my voicemail that it is a business line. They have not tried to contact me via my personal line. I do not appreciate continued phone calls while I am at work. The 3 -4 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 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: AL

Complaint narrative:
I have a car with XXXX and have made all of the payments and have continued to make all of the payments. At the time of XXXX, XXXX I got sick and was in the hospital and was having my XXXX XXXX for the second time. I called XXXX and advised them that my payment would be at the end of the month, and that my son, was making one also, and that I would be making another through the XXXX check. Sometime at the end of XXXX, XXXX after making all three of these payments and working with them they sent a man out in a truck and he advised that he was there to talk to us about the car. My husband told him there was nothing to talk about because I had worked it all out with XXXX and that I would be back in a few days and would be about to talk and explain it to them. He said that he was not talking to XXXX or us but that we needed to call them. My husband and my son went down to the lot of the place where he came from the next morning and explained it to his boss and they called XXXX and they advised that they had spoken to the supervisor and found my notes and everything was back on track going to be okay. I have consistently made payments to XXXX through my debit card or through XXXX XXXX or XXXX XXXX and since XXXX, XXXX they have been on time and not late and even before then we were on time and maybe late once or twice. XXXX went back into my credit report sometimes after XXXX, XXXX and placed that this car has been repossessed. This car has never left my possession and it has never been repossessed. When i called and questioned it on my statement they credited back {$50.00} as a late fee because they said that is all they could process it as because it had been added to the end of the loan. I will pay this car off at the end of this year and it has full coverage insurance and XXXX miles on it and it again has never left my possession.

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 2019-05-06 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: FL

Complaint narrative:
On XX/XX/XXXX I called regarding membership fee of {$59.00} and was advised will need to call back on the XXXX to have it waived. When I called back I was denied the fee waiver and the ability to change my product to one which does not have a membership fee without any explanation why or how/what I need to do in the future to be able to do so. I have 2 credit cards with this company both over 10 years and they are unable to assist or explain so that I as a consumer to become financially responsible. When I asked to file an internal complaint and for my concerns I was advised there was not a phone number or address to forward my concerns. I feel like I am being wronged as a customer and being held to a fee in which new customers do not have to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Hi, I spend over XXXX XXXX dollars a month with American Express. On Saturday XX/XX/2019 I went to transfer points to several names under my card as we are traveling to Hawaii  on Tuesday. I was also transferring points so that I could upgrade my wife 's family traveling from XXXX. To my surprise the account was locked stating the following : This action will not be completed because of an attempt to sell or otherwise transfer Membership Reward points to someone else which is not permitted under the terms and conditions of the program. 

I was not trying to sell, that is a lie. I was transferring to people who have been card holders for over 4 years. I had to cancel two tix at {$1800.00} a piece as I promised upgrades for the 20 hour flight. I could not transfer points on sat and they opted out of tomorrow trip. I am going to take my XXXX XXXX a month spend to a company that values unless they make this more than right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
I continually receive a phone call stating that " this is XXXX XXXX and I need to discuss your file. I need to talk to you before I submit your case to the county processor. It is important that I talk to you immediately regarding the file I have received. '' Then the calls started to some friends of mine and the same message was being left on their answering machine and they asked me why they would be calling their house? I don't even know their home phone number. 
So I call and talk to XXXX XXXX and he informs me its in regard to a credit card that was opened in 2009 and that the balance is over {$3000.00} so how am I going to take care of that today, I relay to him that I have been homeless and am unable to settle that amount and the phone calls need to stop this is an official cease and desist! His remark was " well if your homeless I'm sure you didn't go to law school so you don't know what your talking about. How are you going to settle this debt. '' Furious I just stated " i'm not! '' I was so mad at his comment that is the only thing I could say. " He said " if your refusing to pay then let it be on your head '' and hung up the phone. 
Circumstances exist that place all types of people in homeless situations. Degrading my living situation is not an acceptable way of trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: TX

Complaint narrative:
I have filed a dispute with Equifax now *4 SEPARATE TIMES* regarding information that is incorrect on my credit report. 

There was information from a lender that was reported to all 3 bureaus incorrectly for 30 days past due. I  have gotten it corrected with XXXX and XXXX ; however, Equifax refuses to properly investigate the issue and is not fixing the report. I have provided proof, I have provided a lettter from the lender, I have followed the process of filing a dispute wit Equifax and they will not correct the issue. Again, the other bureaus report correctly - only Equifax does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Hello Dear CFPB I applied to open Navy Federal Membership and Checking Account and filled out my new address in application but send them my old driver licence by mistake and company was concerned and did not open me account, since then i updated my Identification and send them new driver licence and utility bill but they still denied opening checking account for me. Please see attached documents what they send to me. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/2019, I purchased the a computer from XXXX, and they kept on delaying their shipping, due to numerous excuses, such as weather condition. After a long-time waiting, they suddenly claimed that they had delivered the package for me, although I did not receive any shipping information email from them. Since I never received any package, I had been contacting XXXX and the carrier for over 4 times, and all I got was they were trying to push the responsibility to each other. Then I disputed this transaction with my card issuer, and they called me on XX/XX/2019, indicating that they had received important information regarding to my dispute from XXXX, which was nothing but simply the delivery confirmation of my package, as the one I got from XXXX and the carrier before, and closed my case according, with nothing else they can do. Apparently, such result is totally unfair and unacceptable : 1. XXXX could simple send an empty package with a brick in, and claimed that it had been delivered.

2. I did not sign my package. According to the signature, it was signed by somebody else, but not me.

3. If the package was lost, it should be the seller, XXXX who need to take the responsibility to negotiate with their contacted carrier about the loss or their insurance company if they do have extra one otherwise.

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 2019-05-06 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: FL

Complaint narrative:
somebody used my personal information, i don't recognize this inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I purchased a XXXX that I had as a lease. 
I used JP Morgan Chase to finance the purchase with a first payment date of XX/XX/19. 
I paid {$800.00} by phone on the XXXX of XXXX for the XXXX payment. 
In XXXX I paid {$800.00} by phone on the XXXX for the XXXX payment. 
When I went into make the XX/XX/XXXX payment it showed a balance due of {$1600.00}. 
I had not received any emails or phone calls that any issues existed. 
When I called them about the {$1600.00} due - they discovered that the customer service rep had written down the wrong account number therefore the payment was reversed XXXX XXXX 

In the process Chase has reported me late on my auto loan which has caused my credit score to drop XXXX points!!! I am in the process of qualifying for a new home purchase. This could not have happened at a worse time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
To whom it may concern, This is a letter to inform you of the practice of Well Fargo Dealer Services. On XX/XX/2012, I took out a loan for a vehicle for {$9800.00}. The loan was for 48 months. However, I paid off the loan before the due date. 

This year, I received a letter dated XXXX XXXX from Wells Fargo Dealer Services with a check attached in the amount of {$200.00}, stating that they gave me a higher interest rate than it should have been. The difference was 1.016 % higher. 

I did not receive any calculations or methodologies for how they calculated the new rate to determine if this is the correct amount. 

I would greatly appreciate it if you can help determine if this is sufficient and if there are any other fines or penalties that should be added due to their negligence. 

Most importantly, I just wanted to make this issue made aware of to your department for investigation and/or follow-ups. 

Thank you in advance for your assistance.

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 2019-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Shellpoint Mortgage Servicing took over my mortgage from XXXX XXXX XXXX at the beginning of the year XXXX have had several banks service my mortgage although I never instigated it. Shellpoint insists that my mortgage has been 1 month late since XXXX. Although I have made every payment with only 2 late charges since XXXX they insist I am one month behind for the amount of {$3800.00}. The other banks never mentioned this. I received my loan history report [ enclosed ] and discovered where / when / why the problem started. I emailed Shellpoint a letter explaining everything in detail [ enclosed ]. I just received a letter from them explaining that they had made up there mind and will not open my complaint again. It is a very clear but Shellpoint refuses to admit their mistake. They call me every day on both my cell and home phone and they send me foreclosure letters.They want me to pay the amount and if they are found wrong they will give it back to me. Please read the attached emails .. I spent alot of time putting this together. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: NJ

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see pages 16 and 17 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation