vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-24 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: CA

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : 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 2019-12-24 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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: PA

Complaint narrative:
On Monday, XX/XX/2019 I noticed a series of fraudulent transactions on my CapitalOne credit card. I immediately contacted the CapitalOne fraud department via phone, reported fraudulent transactions, and identified the legitimate transactions. The bank re-issued a card. 

Today, on XX/XX/XXXX, it was brought to my attention by XXXX that a donation that I made via XXXX was one of the transactions that my bank marked as fraudulent. I called the bank, and asked them to cancel the dispute. I even asked them to listen to the recording they made of the original call where I explicitly identified the XXXX transaction as legitimate. The CapitalOne refused, saying that they can not " change the process ''. As result, my XXXX account is frozen, and the status of my donation is unclear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: CA

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2019-12-24 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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2019-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MA

Complaint narrative:
My names is XXXX XXXX. I have my student loan though Great Lakes Educational Loan Services.My id with them is GLID : XXXX This months payment was to be made last Sunday XX/XX/XXXX. When I went to make this payment that Sunday the website told me I was past due. I immediately made the payment and contacted Great Lakes today XX/XX/XXXX that although I did pay it in the right day because the payment was made on a Sunday it does not count. Great Lakes themselves gave me the due date of XX/XX/XXXX. I was told I needed to make the payment 3 days prior for the payment to processes. I voiced to them this was unfair but was told nothing can be done. Great Lakes Educational Loan Services will now report to credit agencies my missed payment, they now expect me to pay the entire XXXX balance by XX/XX/XXXX and have added XXXX in unpaid interest. For my entire history of repayment to Great Lakes Educational Loan Services I have been on time. This is unfair and they refuse to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
This account was never mine. Never had a XXXX XXXX XXXX   account in my entire life. It is a result of an Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
I have disputed this item in XX/XX/XXXX and in XX/XX/XXXX, and both times, I ask the creditor to provide me with the original contract, that holds my signature, and my consent. They have never provided me with these things, and are violating my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America keeps reporting a hard pull on my XXXX XXXX credit report that shouldnt had been done. I have a letter from them stating that they have removed the hard pull but its still showing. Also the letter they sent has incorrect information. The hard pull was done on XX/XX/2019, incorrectly. That day I called so that we could add my husband as a secondary. My husband gave permission to pull his credit but I didnt give permission to pull mine also there was no need for my credit to be pulled since I was already the primary. Thus why they stated they would remove it but it has yet 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 non-monetary relief
Consumer complaint received 2019-12-24 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: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-12-24 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: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-12-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XX/XX/XXXX I called Equifax to inquire about my investigation. Due to an unsatisfactory response provided by supervisor XXXX, I asked the representative for a number to his manager supervisor XXXX provided a fake # to claiming that this number was to his manager XXXX. The number is XXXX. I was unable to reach anyone at that number. 

XX/XX/XXXX I called Equifax to inquire about my investigation. The agent claimed that their system was down, and he could not provide any service. This exact excuse was provided to me on XX/XX/XXXX when I called. The agent then proceeded to hang up on me while I was talking halfway. This has also happened twice - hence I believe that this is not an " unintentional '' incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Over the past 3 years upon renewal subsequent to past issues prior, there have been very serious constant errors, negligence, personal information comprimised, lack of payment statements and possible fraud, misappropriation of funds. 

I called for months, found out my telephone payment were randomly applied, and applied incorrectly and the ach debit id that correlated to my bank account reflected mans cell phone that work for the processing company for BMO Harris bank, XXXX XXXX, After finally reaching the Presidents office 3rd year in a row, the head VP of complaints in USA, XXXX XXXX, year 2018, and now Mr. XXXX XXXX, after a full investigation they closed my loan and rebooked without my convent, immediately following my verbal and text communication that I wanted out, they should forfeit my loan, I seriously think they should be fully Audited for the portfolio that they gave to XXXX XXXX when the bought XXXX XXXX  charter from the FDIC. I have records of misconduct, negligence and privacy rights disclosed to a landscaping company. Misappropriation of funds etc. iIve never experienced anything like this. Most recent statement made no sence. My last phone payment never went through, they called me today to tell me I never paid, I said I did the same way I did every month, they said this month I had two loan numbers, so my payment never went through, now I called after work to verify, and it does not recognize my loan number? 

What they have done is illegal, again the us department of treasury as well as the remittance rule over and over, most importantly my human right. 

XXXX XXXX  is horrible as their reviews clearly state, yet for well over 3 years Ive had So many problems, now they are verbally lying saying I did not make this months payment, sent me a false statement, and No XXXX called me today to say they had to rebook my Heloan? 
I signed nothing! 

I would like council, I believe they should be fined or resin my loan. 
Its that horrible! 
Please contact me, XXXX XXXX XXXX. Us Inspector General

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 2019-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Paypal Mastercard by Synchrony Bank has a continual ongoing problem, posting my payment correctly, or at all. I have several accounts managed by Synchrony, yet, this one account has an issue ACCEPTING my payment. This month was the worse ever and has cost me over {$50.00} in interest and late fee, and according to the representative today, a 30-day late applied to my credit report, which I still do not understand. Payment was due XX/XX/XXXX, and today in XX/XX/XXXX, that is not 30-days late. Representative stood me down, that 30-days starts from the date my previous payment was due. 

WHY?!?!??! does Synchrony follow a completely different set of rules than any other financial provider? 

I was told today that Paypal who is now owned by Synchrony, per the representative today, had a " known payment application problem '' - yet still wants me to have my bank send proof my payment could not be sent and without such I am not entitled to reimbursement of fees and interest. WHAT A XXXX. 

Just refund my finance and late fee, REMOVE any false reported 30-day late, as I was because off KNOWN PROBLEM, 16 days late, but only found out today, when I got a text message to " get your account back on track '' - I thought what the heck? Back on track, I have no balance, well little did I know. 

And honestly, if you Synchrony hates their consumers so much, let me know, so I can take my business elsewhere.

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 monetary relief
Consumer complaint received 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX-XX/XX/XXXX I had a checking account with J.P. Morgan Chase Bank and between those dates I transferred approximately {$6900.00} into my account only to have it closed after I was done and still havent seen any of my money almost a month later

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: PA

Complaint narrative:
I have no idea why this account exists but I disputed with the original company, and asked them to verify the account information, and send me the contract they have with my signature or some kind of consent, and they have failed to send me the requested information, I contacted the credit bureaus that are reporting this information and asked them to do the same, verify account, send me the original contract with my consent and signature, and they have failed to protect my credit file.

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 2019-12-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI

Complaint narrative:
I contacted the company and got a return to sender there is no return address. They have different phone number and address on XXXX and XXXX. They are reported as derogatory on XXXX yet it says paid in full. XXXX has never late.

Company response to consumer: Closed with explanation