vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-20 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: NY

Complaint narrative:
When I tried to fix some problems with Experian & XXXX  - both CRAs did a lot of un-ethical showing me a lot advertising for other products! Even after I made it clear that I did not want to buy those products - they kept sending those ads! 

That has compounded the problems with false info! Even this month - XX/XX/XXXX - I tried - a lot of times to check if XXXX had deleted the false info. I COULD NOT load my credit report because when I tried - more XXXX  Advertising came instead! 

That happened again & again & again!!! So now I have to file complaints against all 3 of those companies!!! I need to file complaints with CFPB about distinctly different 3 distinctly different companies. - Those 3 companies are - 1- XXXX. - 2 Experian. & 3 - XXXX. 



In XX/XX/XXXX - I had been a customer of all 3 of these companies since almost as long I have been old enough to have credit cards or credit reports. - Things had gone very well! - Then - in XX/XX/XXXX - some problems started! - In XX/XX/XXXX - false charges started appearing on my XXXX XXXX. - I called XXXX Customer Service to talk to them about that. - Some of the charges were from another state. Very strange. - I was avoiding using my XXXX XXXX for a while. - XXXX de-activated my account. - XXXX sent false info to my credit files! - I suffered from a ridiculous amount of adverse actions because of XXXX sending false info to my files! - I also suffered from adverse actions because XXXX failed to correct the problems even after 30 days! - Those 3 companies - XXXX, Experian & XXXX  have severely violated FCRA! - That caused more adverse actions against me! - For example - I got toy limited by XXXX XXXX XXXX XXXX XXXX! That toy limiting almost certainly happened because of XXXX sending false info to my files! 

.

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 2018-07-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Greenback Recovery Group, LLC
State: OH

Complaint narrative:
Company keeps calling me asking for a particular person. I do not know this person. I have asked several times for them to stop calling me and they still call. I do not owe the debt and I do not know the person they are trying to reach.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-20 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: NY

Complaint narrative:
When I tried to fix some problems with XXXX & TransUnion - both CRAs did a lot of un-ethical showing me a lot advertising for other products! Even after I made it clear that I did not want to buy those products - they kept sending those ads! 

That has compounded the problems with false info! Even this month - XX/XX/XXXX - I tried - a lot of times to check if TransUnion had deleted the false info. I COULD NOT load my credit report because when I tried - more TransUnion Advertising came instead! 

That happened again & again & again!!! So now I have to file complaints against all 3 of those companies!!! I need to file complaints with CFPB about distinctly different 3 distinctly different companies. - Those 3 companies are - 1- XXXX. - 2 XXXX. & 3 - TransUnion. 



In XXXX - I had been a customer of all 3 of these companies since almost as long I have been old enough to have credit cards or credit reports. - Things had gone very well! - Then - in XXXX - some problems started! - In XXXX - false charges started appearing on my XXXX XXXX. - I called XXXX Customer Service to talk to them about that. - Some of the charges were from another state. Very strange. - I was avoiding using my XXXX XXXX for a while. - XXXX de-activated my account. - XXXX sent false info to my credit files! - I suffered from a ridiculous amount of adverse actions because of XXXX sending false info to my files! - I also suffered from adverse actions because XXXX failed to correct the problems even after 30 days! - Those 3 companies - XXXX, XXXX  & TransUnion have severely violated FCRA! - That caused more adverse actions against me! - For example - I got toy limited by XXXX & XXXX XXXX XXXX! That toy limiting almost certainly happened because of XXXX sending false info to my files! 

.

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 2018-07-20 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
On XX/XX/XXXX a charge was posted to my Barclay card for XXXX from XXXX software protection. I had NO idea. I had no balance on this card for over a year and NO payments. 

I was finally notified by Barclay on XX/XX/XXXX that I owed XXXX and it was late 4 months. I was so surprised and argued with them that I had not charged anything on this card for about a year. I was never notified by either party Barclay or XXXX about the charge. 
The rep for Barclay did reverse the XXXX late fee for 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I payed the balance off on that phone call XXXX XX/XX/XXXX. I still had to pay XX/XX/XXXX & XX/XX/XXXX late fee and interest the whole time. 
I was never contacted once about this fiasco.My credit score before this happened was XXXX and now is XXXX. 
Now I find out they closed my acct on XX/XX/XXXX. 

I want my acct back and my credit purged back to XXXX and I think the credit card company owes me the fees back.

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 2018-07-20 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
On XX/XX/2018 I entered into a payment arrangement to settle an unverified debt. The agreement was for a specified automatic withdrawal amount which was deducted every month since the agreement which included the cease of any further collection activity and or any negative reporting on my credit report. On XX/XX/2018 I was informed by a credit monitoring service that a collection account was reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: Diversified Consultants, Inc.
State: MN

Complaint narrative:
1. XXXX said they sold the debt, making Diversified a debt purchaser. 
2. On my Credit reports it shows them as the current holder of the debt, meaning they are the debtor and not sprint. 
3. XXXX didnt sent billing statements to me because they entered or misspelled my home address. 
4. The debt collector didnt sent me the correct correspondents and they admit they had the incorrect address information. 

5. I legally have the right to request verification of this debt, noting was sent to me and my rights were violated!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
My name is XXXX XXXX. I would like to submit a complaint about Equifax. I was looking at my credit score. I found a credit card that has been reporting as opened XX/XX/XXXX I have never had this account. Last payment XX/XX/XXXX. 
I called XXXX XXXX they have no record of the account. So it is an Equifax error and I want it removed from my credit score immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I made an early payment of {$50.00} to be applied to my account over the phone with a representative for the XX/XX/XXXX. My payments are not due until the XXXX of every month. I got a confirmation number of XXXX. Recently I called to question my rewards and found out my payment was rejected!!! I asked why and the representative could not give me an answer! I said it can't be insufficient funds there is money in there! I said why did they give me a confirmation number and ALSO why was I not notified through an email? I spoke to XXXX and XXXX on the XXXX and I was told someone would get back to me and no one has! 
I then got fed up and called back again to find out what was going on. XXXX XXXX, another " supervisor '' has to be the rudest, most unprofessional customer service rep I have ever spoken to! She told me it is not their responsibility to let me know my payments are rejected. Well it surely is if I got a confirmation number and since it's not a problem with insufficient funds it's definitely THEIR ERROR which means it's even more of a reason for me to get notified!!! Her attitude is HORRIBLE and I let her know that she is not fit for her job. She did nothing but talk in circles and repeating that someone is investigating this and will get back to me and still no one has called me with an answer! I think this credit card company is shady and wants me to accrue late fees and their customer service is the WORST!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2018, I had went into Wells Fargo to open a business checking account. I had met XXXX XXXX XXXX, it was presented to him all documents, i.e IRS letter containing EIN # and Articles of Incorporation also a driver 's license and a government official ID, i.e.  Transportation Worker 's Identification Credentials. Now, it came to the part where I was demanded to give up my Social Security number for a personal profile or they wouldn't move forward with a business account and immediately I asked for the policy of their institution to show me where I am required to give my S.S # ( Social Security number ). XXXX XXXX XXXX couldn't provide one so I asked to speak to an Account Manager and he brought over, Service Manager, XXXX XXXX. By this time, I had informed her that I was recording the conversation because of their unprofessional conduct and it was made aware with her. I requested for her to present a policy and she couldn't provide one or a remedy. After our conversation, she went to contact the District Manager, XXXX XXXX, whom I spoke with and it was said that I am to required a SS # to open a business account and when I requested for the policy to show where I'm required to give my SS # to get service, she told me that it is Internal for their company and when I requested a copy, she immediately told me that then I can't do business with them. She didn't give me any other options to get the business account open and insisted on me providing my SS # is the only way to get the business account open. Before I hung up, I told her that this is done under duress and it's not fair. She didn't consider the situation at all and insisted that this is how I can only open a business account. Being under duress, I gave up my SS # and still got denied for a personal profile because they couldn't pull my credit which I didnt know they were going to do. I was told that my business account was good but because they couldn't pull my personal credit for a soft inquiry, they couldn't get my business account open. They never showed me that policy. I was denied service by this bank and their conduct was very unprofessional. I told them according to The Privacy Act of 1974, I have a right to privacy in not giving out my SS # especially to be used as an identifier.

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 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX you showed with action in a court of law that no international, federal, and state laws governs you with action in court and the laws are there just to serve your corporation or other corporations like yours so thank you. 
And you can tell me why this notary law from virginia doesn't matter ever? 
Section 47.1-15 : Prohibitions A notary shall not : 1. Notarize a document if the signer is not in the presence of the notary at the time of notarization, unless ( i ) in the case of an electronic notarization, satisfactory evidence of the identity of the signer is established in accordance with 47.1-2 or ( ii ) otherwise authorized by law to do so.

2. Use the official notary title or seal to endorse, promote, denounce, or oppose any product, service, contest, candidate, or other offering.

3. Notarize a signature on a document without notarial certificate wording on the same page as the signature unless the notarial certificate includes the name of each person whose signature is being notarized. 
4. Affix an official signature or seal on a notarial certificate that is incomplete. 
A notary shall not perform any official act with the intent to deceive or defraud. 
A nonattorney notary shall not assist another person in drafting, completing, selecting, or understanding a document or transaction requiring a notarial act. This section does not preclude a notary who is duly qualified, trained, or experienced in a particular industry or professional field from selecting, drafting, completing, or advising on a document or certificate related to a matter within that industry or field or prevent a notary from adding a notarial certificate or electronic notarial certificate to a paper or electronic document at the direction of a principal or lawful authority. 
A notary may decline to notarize a document. 
Any document notarized prior to XX/XX/XXXX, which does not have the notarial certificate wording on the same page as the signature, but otherwise appears on its face to be properly notarized, shall be deemed validly notarized.

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 2018-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Spoke with Capital one on XX/XX/2018, XX/XX/2018 and XX/XX/2018. I have a fraud alert on my credit report, capital one has yet to contact me to verify the alert during a recent request in a credit limit increase. The credit limit increase was initiated and is pending a response since XX/XX/2018. Due to the nature of the situation, with a fraud alert, someone should of contacted me sooner. Instead i've made numerous attempts with no representatives to assist. This is negligent on capital one 's behalf, someone could be using my identity or possibly committing fraud in my name. And a week has passed without capital one verifying any information. This is irresponsible of capital one and unacceptable to consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 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: TX

Complaint narrative:
I have several inquires that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: AES/PHEAA
State: CA

Complaint narrative:
First off I tried to choose the best options as possible basically the account I'm referring to went to default when my mother filed chapter XXXX bankruptcy as the cosigner putting this loan and immediately in the default given at the time I know that this was valid yet in my opinion of sketchy practice of the private student loans. 
As of recently they can no longer immediately go after balances or put these loans in immediate default when it cosigner files for bankruptcy as new laws passed in XXXX via Congress. The purpose of this complaint is mainly to get the charge-off removed from my credit report as I was in good standing but this is also part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fiasco that's going on and I'm trying to settle with them at the same time but I feel via as that the charge-off account should be removed as it was a drastic measure and I was in good standing 4 months on months at the time. 

I feel for the time being at minimal the charge off that happened in XXXX of XXXX should be removed from my credit from all 3 bureaus via XXXX   XXXX XXXX. 

As I stated there are new laws that were passed by Congress that protect private student loan borrowers to where the servicer can no longer immediately placed alone in default due to the cosigner filing bankruptcy and I would be happy to supply that documentation if needed to show those laws that were put into place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: NV

Complaint narrative:
AFNI NOW OWNS THIS XXXX DEBT. I HAVE DISPUTED WITH BOTH XXXX, AFNI, AND THE FCC. HERE IS MY STORY : AS A NEW CUSTOMER I WAS PROMISED A BUNDLE DEAL WITH XXXX AND XXXX XXXX FOR {$80.00}. I DID NOT WANT TV, BUT THEY TALKED ME INTO IT BECAUSE IT WAS SUCH A GOOD DEAL. I GOT MY FIRST BILL, IT WAS {$180.00} I CALLED THEM AND THEY ASSURED ME THAT MY NEW CUSTOMER REBATES HAVE NOT KICKED IN YET, TO WAIT 30 DAYS AND THEY SHOULD REFLECT. AFTER 30 DAYS.. ANOTHER BILL FOR {$150.00}. UNHAPPY I CALLED BACK AND THEY TOLD ME THAT THE PERSON THAT SET ME UP ON THE PLAN, DID IT WRONG!! AND THAT SINCE ITS BEEN 30 DAYS, THEY CANT CHANGE IT SO THEY HAD TO ESCALATE IT TO HIGHER MANAGEMENT. SO I DID. AND IT SOLVED NOTHING. I ESCALATED IT TO THE HIGHEST DEPARTMENT AND THEY TOLD ME THERE WAS NOTHING THEY COULD DO! HOW CAN THEY DO NOTHING WHEN THEY XXXX UP? NOT ME, THEM. THEN THEY STARTED BLAMING XXXX AND SAYING IT WAS THEIR FAULT, SO I GOT THEM ON A 3 WAY CALL AND FORCED THEM TO TALK AND XXXX ADMITTED FAULT SINCE THEY ARE THE ONES THAT SET ME UP WRONG. i WROTE A LETTER TO THE PRESIDENT, WHICH WAS THE HIGHEST THING I COULD DO WITHOUT HEIR USELESS SUPPORT AND THE PRESIDENT NEVER RESPONDED! I CANCELLED MY SERVICE AND THEY BILLED ME FOR THE REMAINING SUM OF THE CONTRACT FOR CANCELLING. THEY ROBBED ME. THEY DO THIS TO EVERYONE. ITS WRONG. THEY NOW SOLD MY ACCOUNT TO AFNI COLLECTIONS FOR A TOTAL AMOUNT OF {$1000.00}, I WOULD LIKE TO GET THIS DISPUTED. I contacted afni to dispute but have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Utah System of Higher Education
State: UT

Complaint narrative:
I submitted a dispute through XXXX requesting an update to my reporting, as the status showed Unknown. It was paid and closed in XX/XX/XXXX, and therefore should reflect as such. XXXX responded and updated my report, but did so inaccurately. They updated the status, payment amounts, balance dates, and the payment history inaccurately. It has caused great detriment and undue hardship to me, as Im seeking to finance a home. The updates included negative reporting, and even include the term negative on the payment history data from XX/XX/XXXX through XX/XX/XXXXwell after the loan was paid and closed! Ive called multiple times, submitted emails, provided documentation, and have discussed this matter with a representative at XXXX. They insist that no updates were made, that they will not update and correct the problem, and they wont honor the agreement they offered to me through their own rehabilitation loan program ( which I completed and have since paid off with XXXX ). I have asked many times for contact information to whom I should I send my requested updates and supporting documentation, but the representatives refuse. They insist that no one is there to do can correct the inaccuracies since my loan is paid and closed on their end. Further, they refuse to acknowledge that they even updated in response to my original dispute, and refuse to provide a clear way to submit my requests for further research and correction. The representatives keep insisting that the data on their system is 100 % accurate and they can not help because my loan has been paid, but they are refusing to understand that the data to the credit bureaus was entered differently than what their system shows. Its frustrating when they wont take the time to review the reporting, the actual updates they made, their own errors, or honor their own agreements. I wouldnt have entered into their rehabilitation program if the one benefit on credit reporting was not going to be honored, and theyd later report inaccurately to my severe detriment. The representations made in the agreement were not just verbalits included in the direct correspondence from them and even in their official forms and subsequent contractual agreement. Its a misleading practice and unethical, and I sincerely hope the multiple issues Ive relayed can be addressed and resolved.

Company response to consumer: Closed with explanation