vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-10 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:
ACCORDING TO THE CFPB -- REGARDING HARD INQUIRY ANY RELATED INQUIRIES MADE WITHIN A 14 DAY TO 45 DAYS WILL COUNT AS ONE INQUIRY.THIS ALLOWS YOU TO FIND THE BEST DEAL ON A AUTO LOAN. 
THIS WAS NOT APPLIED TO ME? I FILED A COMPLAINT TO HAVE THIS CORRECTED AND I WAS TOLD " THEY CAN NOT REMOVE INFORMATION ON MY CREDIT REPORT '' WHICH I DID NOT ASK THEM TO DO. I WAS REQUESTING THAT THE RELATED INQUIRIES MADE WITHIN THE 14 TO 45 DAY PERIOD BE COUNTED CORRECTLY AND CHANGED. IF THIS IS THE RULE, WHY DOES THE CREDIT REPORTING AGENCY NOT RECOGNIZE THIS AND APPLY IT TO ME.

ALSO I MUST ADD ... .THERE SHOULD BE A LAW THAT LIMITS THE AMOUNT COMPANY 'S A CAR DEALER CAN TRY TO FIND TO FINANCE A CAR. I WOULD THINK AFTER THE FIRST 10 WITH NO LUCK ... .SHOULD BE A RED FLAG ... .SELLING A CAR TO SOMEONE WHO CA N'T AFFORD IT, SHOULD BE CONSIDERED A PREDATORY LOAN, KNOWING THEY ARE SETTING UP SOMEONE TO FAIL SHOULD BE A CRIME.

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 2017-12-10 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: IL

Complaint narrative:
I have an account on my credit report that was fraudulently opened & harming my credit score. I have reached out to both XXXX & TransUnion to resolve the matter. They are telling me that the results are verified. However 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. Which the XXXX & TRANSUNION have yet to provide.

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 2017-12-10 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: GREAT LAKES
State: OH

Complaint narrative:
In 2015 I agreed to a debt consolidation with US/DOE for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts.

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted. 

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report. 

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the US/DOE to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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: NY

Complaint narrative:
I have recently been informed that there is negative information reported by XXXX/XXXX in the file maintained under my Social Security number at Experian. Upon reviewing a copy of my credit report, I see an entry listing as I have a {$760.00} charge-off onXX/XX/XXXX, which happens to be an inaccurate amount. The amount of {$820.00} was paid to XXXX/XXXX in the following installments : XX/XX/XXXX {$210.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} Experian was forwarded supporting documentation and refuses to remove the inaccurate information from 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 2017-12-10 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: IL

Complaint narrative:
I have an account on my credit report that was fraudulently opened & harming my credit score. I have reached out to both Experian & XXXX to resolve the matter. They are telling me that the results are verified. However 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. Which the EXPERIAN & XXXX have yet to provide.

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 2017-12-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have previously filed complaint and they did respond but with their response they stated that one of my accounts with them could stay open as it was opened after initial filing date of chapter XXXX bankruptcy. I did call and leave a message, got a return call missed it, called back and still after a week or more no return call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
this all stared XX/XX/XXXX TD Bank XXXX XXXX XXXX I opened my account onXX/XX/XXXX i had a savings of XXXX and checking of XXXX.I disputed my accounts and transaction many times, I had a primary account savings.I with drew my money on XX/XX/XXXX XXXX on XX/XX/XXXX i despotsed XXXX by XX/XX/XXXX i only had XXXX so by the time i closed it I only had XXXX. they sent me the wrong checks twice and i brought them back, they gave me about 4 different XXXX debet cards at one point i went to put money in my checking and it eat my card and said i had XXXX balance of funds. they owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I think current and potential customers should be aware that Capital One may make publicly available all credit card statements in a legal proceeding. I had a credit card for approximately 6 years and was unable to make payments due to unemployment problems. I relocated to find suitable employment and was contacted around XX/XX/XXXX by their attorney, XXXX XXXX XXXX. I attempted to set up payment arrangements prior to any legal action being taken and received a stipulation of judgment upon default agreement that included an erroneous filing fee for a case never filed. I did not sign this because it was inaccurate and I was working a temporary position and renting a couch - the likely hood of defaulting in the future was very high. I requested they only contact me in writing ( no email or phone communications ). The next notice I received from them was in XX/XX/XXXX and it was a summons to appear in court. Once again, I was unemployed and unemployment only covered the basics. Mediation was held in XX/XX/XXXX, I was fighting this in part because the original customer agreement stated only Virginia and Federal law would be applicable and also because I was recently diagnosed with a condition that required XXXX and time off work to recover. They did not have a copy of the original contract so when this case went to trial in XX/XX/XXXX XXXX XXXX XXXX filed 6 years of statements with the court to prove their case, which made them public record. They did not redact any information on the statements and did not file any motions to protect any of this information. During trial I commented on this and I have attempted to file a motion with the court to correct their error. They continue to tack on erroneous fees. Included in the judgment are 3 fees that occurred prior to the case being filed with county court and they attempted to simultaneously garnish my wages and levy my bank account. If I had been more forthcoming with them and made payments, they would have been successful in taking all of my money shortly before I was scheduled to have XXXX and was physically incapable of working for several weeks. Unfortunately, this also means they have filed three different writs since XX/XX/XXXX and the judgment now includes {XXXX} in alleged court costs. Of course I ca n't afford to hire an attorney and I have filed motions pro se with the court, but I do n't even think the court is reading what I file. None of my other creditors were this aggressive, I made arrangements or settled with almost all of the others. Now they will suffer for being decent because bankruptcy is the only option I have to deal with this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My Mortgage was transferred in XX/XX/XXXX from XXXX XXXX XXXX to Carrignton Mortgage Services. I  have continually asked them when they will start reportiing to the major credit bureaus as this is affecting my credit score and they will not respond or give me a positive answer after many calls and follow up. The customer service at this company is no where near the level of XXXX XXXX XXXX and seriuosly needs help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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: MO

Complaint narrative:
I have send this credit bureau several letters and filed over several complaints that has been ignored over and again for several inquiries that are showing on my credit file that they maintain under my social security number. I even send my complaint certified with tracking number XXXX. I am aware that under XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXXCal.XX/XX/XXXX ), they maybe liable for willful non-compliance. The inquiries are still on my credit report and I have also send a letter to the creditors reporting these inquiries and the credit bureau has refused to remove these. 
1. XXXX XXXX -XX/XX/XXXX XXXX. XXXX XXXX-XX/XX/XXXX 3. XXXX XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX  -XX/XX/XXXX The above noted allegations of inquiry is one that LACKS demonstrated evidence of physically verifiable proof of Permissible Purpose or PROOF of Metro 2 COMPLIANCE, as REQUIRED! As such, I am in my consumer rights to demand and compel you to DELETE IMMEDIATELY! The above listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons to include but not necessarily limited to at least that The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT PROVEN of MY RESPONSIBILITY, or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. I demanded that the credit bureau Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!! But they refused. The inquiries are still reporting on my credit report even after sending a letter of complaint to the creditors regarding these inquiries and still the credit bureau refused to remove them after claiming these are a factual record of file access.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Debit Card Transactions on my account that are not locatable via any company name were reported to Chase Bank on XX/XX/XXXX by internal email on my account. The same day, another withdrawal was made. I contacted Chase after receiving an email with a claim number XXXX on XX/XX/XXXX. When I spoke to the customer service representative on XX/XX/XXXX, they were not interested in the initial deposit and withdrawal both for nominal amounts of {$2.00} that were processed and approved by Chase Bank. Even though I submitted the complaint on XX/XX/XXXX, they still processed the XXXX XXXX transaction on the same day. 
Following is the list of transactions. I have attached the reply following the phone conversation on XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Debit card transaction {$40.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$40.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$40.00} ; XX/XX/XXXX XXXX *XXXX XXXX XX/XX/XXXX, {$41.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$41.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$40.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$2.00} XXXX XXXX XXXX XX/XX/XXXX, {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Dear XXXX, This has been a very stressful Situation. Please help us. I have paid all my financial obligations on time for over 32 years. I have been a client of XXXX XXXX XXXX since XX/XX/XXXX although it was under name, XXXX XXXX and then XXXX XXXX XXXX. 

I have a HELOC which matured XX/XX/XXXX. Approximately {$120000.00} owed on HELOC. 

I also have my First Mortgage with XXXX XXXX XXXX which is approximately {$170000.00}. 

My wife and I wanted to pay our Mortgage payments but we have been going through Loan Modification since XX/XX/XXXX and were told by Capital One we could not make any Mortgage Payments. 

There are at least 3 horrible outcomes from this time consuming and frustrating Loan Modification Process. 

1. Credit ruined causing us to loose Most of our credit availability including a {$450000.00} Line of credit used to Operate our business. 

2. Nothing has been accomplished in This Loan Modification! 

3. Our loan has been sold to A Loan Servicing company called XXXX Who still has no record of our Account details. 

We have spoken to over a dozen representatives of Capital One both at the branch Level, the loan Modification Department, and the Loan Origination Department. All requested documents have been submitted to Capital One and their respective departments requesting documents. 

If there are any questions as we are sure there will be on your behalf, please call immediately at XXXX or XXXX. 

Sincerely XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In 2015 I agreed to a debt consolidation with US/DOE for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts.

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the US/DOE to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} 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 2017-12-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In 2015 I agreed to a debt consolidation with XXXX for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts. 

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the XXXX to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In 2015 I agreed to a debt consolidation with XX/XX/XXXX for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts. 

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the XXXX to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} 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 2017-12-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My Mortgage was transferred in XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have continually asked them when they will start reportiing to the major credit bureaus as this is affecting my credit score and they will not respond or give me a positive answer after many calls and follow up. The customer service at this company is no where near the level of XXXX XXXX XXXX and seriuosly needs help.

Company response to consumer: Closed with explanation