vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 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: HI

Complaint narrative:
After looking through my credit report, I had sent over information in regards to getting my credit report fixed as there were a number of inaccuracies. 

I have a very common name and when I asked for verification of the debts from the bureaus none gave me the information ive requested. I specifically asked for the names of the people that verified these debts with and they have never given me that information or responded. This has almost irreparably harmed my ability to apply or receive any loans and veteran benefits like a VA Home loan that will allow me to provide a roof over my families head. 

These companies have had all types of security issues among other issues and this continously affects others that rely on these services I just want some resolultion and I need to get these issues solved.

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 2018-04-02 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regrading all personal information of mine.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My information is clearly shown below :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I have contacted them several times about 3 late payments that were not late and they told me that they would fix it. They fixed one late payment in XX/XX/XXXX but notXX/XX/XXXX or XX/XX/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 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Finance LP
State: NH

Complaint narrative:
XXXX XXXX XXXX  was discharged in Chapter XXXX Bankruptcy on XX/XX/2008. Mortgage was sold to Selene Finance LP. Selene Finance LP is reporting the account as delinquent to credit agencies, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am attempting to transfer an HSA account from " XXXX XXXX '' to " XXXX ''.

My XXXX XXXX  account included a self-directed brokerage account provided via " XXXX XXXX ''. This account is opened by XXXX XXXX on my behalf.

I submitted my transfer request to XXXX   on XX/XX/XXXX, and they forwarded this request to XXXX XXXX. My XXXX XXXX account, which is opened/closed by XXXX XXXX, was closed and liquidated back to my XXXX XXXX  account on XX/XX/XXXX. This is noteworthy because it confirms that XXXX XXXX received my closure request no later than XX/XX/XXXX.

It is now XX/XX/XXXX, and XXXX XXXX has still not forwarded my funds to XXXX. There has been no activity sinceXX/XX/XXXX. The funds have been sitting in my XXXX XXXX account, earning below-market rate interest.

On XX/XX/XXXX I was charged the {$2.00} monthly fee, despite my intentions to close the account.

I have attempted to contact XXXX XXXX by e-mail, online chat inside online banking, and by phone. E-mail and chat representatives are not willing to help, and direct me to call instead. I have tried calling and the phone system will take my information, place me on hold for 10-15 minutes, and then hang up on me, presumably because nobody is available to take my call. Nobody is willing to help me.

I suspect XXXX XXXX is dragging their feet to charge additional monthly fees and earn the spread in interest rates between what they earn and what they pay me. I can not prove this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
OnXX/XX/XXXX I called XXXX XXXX about a collection that was placed on my report in the amount of XXXX. I tried explaining to a representative then a supervisor that this same collection was removed from my report by XXXX XXXX on XX/XX/XXXX. The account does not belong to me and the original creditor ( XXXX ) previously has stated that they did not assign a collection with my info to a collection agency. This company has placed a bogus collection on my report that they do not own and when I asked for validation I got the run around. This company is also very shaky and unprofessional. I was on hold for 2 hours, hung up on etc just to get an account number

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 2018-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Regarding : Medical Bill For I mailed a Hippa Debt Validation letter to this company on XX/XX/XXXX and in return I received a letter dated on XX/XX/XXXX ONLY for two pages of my outpatient discharge claim. Which has all of my medical information on it and my medical procedure. I asked for the following documents below within 30 days and due to this company violating my HIPPA rights as a patient. The following below is what I asked for in writing to XXXX XXXX company listed below. It was not received within the 30 days which is a law by the FCRA and I demand this company no longer collect this debt. This company has tons of complaints and issues online for violating Hippa rights. Please Remove this debt ASAP from this company and send me correspondence at a timely manner. Listed below is all the information I requested from this company and was not sent to me. I have proof of the letter and also copies of everything. 
__________________________________________________________________________________ Validation of Debt and HIPAA authorization ( Items I requested in XXXX ) -Please provide breakdown of ALL fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you a collection agency -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt In 30 days due to the FCRA Law. I did not give this company authority to have my medical records from my 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 2018-04-02 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: OH

Complaint narrative:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished XXXX XXXX   regrading all personal information of mine.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My information is clearly shown below :

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 2018-04-02 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: OH

Complaint narrative:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished XXXX XXXX   regrading all personal information of mine.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My information is clearly shown below :

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 2018-04-02 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:
On XX/XX/2018 I got your decision that you would denied my request about removing the credit report that is listed on trans union and XXXX. I have strongly disagree with the decision that you made and think that your company did not look deeply into the matter.

Even tho it was in the terms and services that you stated. Stating that you guys was going to make a hard inquiry is not listed in the agreement and i did not agree to you guy pulling a hard inquiry on my credit report.

The fact remain i was coerced by your employee who told me misleading information that they would be making a soft inquiry to determine my eligibility. Even if it was misunderstand on both side by me and the employee, it doesn't benefit either the company or me from such a enquiry that would remain on my credit report for such along time for a simple mistake that was made. I did plan on buying the XXXX in cash when i save up enough money but was persuaded by the employee who is a representation of XXXX XXXX and who i trusted with the information that was given to me. I did end up getting the XXXX  computer at a later date which was my intention i send a copy of the receipt.

It would benefit both the company and the customer best interest if XXXX XXXX could over turn their decision and take the hard inquiry of the credit report. this would indeed benefit XXXX XXXX when i do take out the credit card at a later date since i have now established my credit score back then i was ignorant about how credit score worked and how credit report work and now if the company could work with me to come to better understand of the matter. If not i would not take out or do business with XXXX XXXX any more because i would find it unfit on unsatisfactory if they could not forgive their customer and so i could not forgive them with misleading me and for mistake that both parties made.

I hope the company look into the matter and we can come to an understanding, i really hope that you guys would be able to fulfill my request. I would be really please if my request would be granted, i know the company makes mistakes before and would love and ask customer to forgive them so it would be fitting if a trustworthy brand as XXXX XXXX could fulfill the request of their customer and to rebuild that relationship with me.

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 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
XXXX XXXX XXXX was discharged in Chapter XXXX Bankruptcy on XX/XX/2008. Mortgage was sold to XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the account as delinquent to credit agencies, Experian, XXXX and 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 non-monetary relief
Consumer complaint received 2018-04-02 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: MN

Complaint narrative:
I made a purchase on XX/XX/2016 in the amount of {$100.00} at a tabacco shop in XXXX, MN. The ecig was defective from the date of purchase. I contacted Capital One and did what they asked, but they never took care of the purchase per the cardholder agreement. I called back multiple times, sent images of the product and receipt, and did everything they asked. I have been trying to get this fixed for two years. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: GA

Complaint narrative:
I used a US Bank XXXX XXXX on my XXXX account as payment. XXXX  did an auto-charge every month for their services. On XX/XX/XXXX I notice the usual charge of {$13.00} on my statement, but there was a duplicate charge of {$13.00} onXX/XX/XXXX. One of the charges was legitimate and I made payment of {$13.00} on XX/XX/XXXX. US Bank add a late fee of {$13.00} on XX/XX/XXXX and added {$2.00} interest being the balance to {$29.00} of My XXXX  statement only has one change of {$13.00} so US bank add additional an charge and fees and refused to correct the account. I canceled my US Bank account, and paid the illegitimate balance to avoid hurting my credit score. This bank is stealing money from their clients.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I pay XXXX XXXX to take money from my bank account twice a month & make one monthly payment to my mortgage company, XXXX XXXX XXXX XXXX. This has been effective approximately 19 years. XXXX XXXX XXXX XXXX called today, XX/XX/XXXX, informing me they had not received the XX/XX/XXXX payment & since it was over 31 days overdue, they would be in touch with the credit bureau. Upon contacting XXXX XXXX, I was informed they had a " glitch '' but had sent a smaller payment than normal on XX/XX/XXXX. One person said the payment was " overnighted, '' a 2nd person said it was a wire transfer & a 3rd person said she could not see how it was sent, she just knows that it was. It feels to me that they are not being truthful & as I calculate they have about {$4500.00} of my money & my mortgage isn't paid, I am filing this complaint. I have also stopped this service as I don't feel I can trust them with my money. In talking with XXXX XXXX XXXX XXXX, they have not received ANY money but they will give me another day in attempting to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/17 I happened to be viewing my account balances online of my Bank of America debit card and noticed 2 charges ( {$150.00} x 2 ) for an XXXX  purchase of which I did not make. I immediately suspended my card via my Bank of America app and then immediately called Bank of America to inform them of the situation. I stated that my debit card had been compromised and I wish for the charges, that were in real-time in a " pending '' status. I wanted them to, especially since the charge was in pending status, not authorize the release of the fraudulent charges totaling {$300.00}. They refused. They stated they would allow the charges to go through and I could at that time dispute the charges. I was stunned and stated if you allow these fraudulent charges to be stolen from my account I would then, possibly, be in a fight with you for the refund of my money. They stood fast on the issue. They were not going to stop the fraudulent charges. Upon Bank of America 's release of my money to a online thief, I filed a refund request and was denied. I executed all federal ( in addition to B of A required guidelines ) required guidelines in order to qualify for a refund on fraudulent charges made to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: TX

Complaint narrative:
To CFPB, thank you for the information you gave us on this matter, we previously sent a complaint to Experian # XXXX concerning old bogus addresses. I have not been punctual in getting back as quickly as I would like to because of my medical issues that I'm having with XXXX   being in and out of the hospital. In Experians response to us they indicated that they were taking care of this issue in a non monetary way and would remove the old bogus addresses and went as far as to send us another copy of my credit report showing only the correct address but did not show the others had been deleted as they state in their paper work description definitions such as " Updated, investigated, or deleted '' we have federal rights to this knowledge and Experian has a legal obligation to comply with the law, but once again they did not.

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 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am in the up most saddest state Ive been in a while. My account had been rigged due to a scam with XXXX. In this situation my debit was withdrawn from me & also my phone which does in-fact have my 4 digit pin. Varies transactions were made in my Checkings & Savings account early XX/XX/XXXX - XX/XX/XXXX I previously called over the funds for the first debit fraud in which I was reimburse the money. I was able to make 4 claims discussing my shortages & damages to my Chase bank account. Never in my life have O experience such trauma like this before. Shortly, after I had with held of my new debit card in where I was then manipulated out of my funds & personal information again I was charged for varies activities, that to my prior did not did not actually make. I have no prior business with XXXX  so therefore do not understand why there is multiple bank transactions with them. I do not know what the whole hassle with the atm fees are about since XX/XX/XXXX I called my bank & was issued temporary credit. But I am here today writing this statement to make sure I am able to fulfill in my actual funds of XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
XX/XX/XXXX, I applied for loan modification with DiTech I supplied all documents and had that confirmed by 2 Dutech employees on XX/XX/XXXX and on XX/XX/XXXX.

XX/XX/XXXX. I received a letter from DiTech stating that my modification had been canceled due to an incomplete application.

This is the third time that this is happening.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: FL

Complaint narrative:
I began disputing these items with XXXX XXXX, XXXX and Equifax beginning on XX/XX/XXXX I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: FL

Complaint narrative:
I began disputing these items with XXXX XXXX, Experian and XXXX   beginning on XX/XX/XXXX. I sent follow up letters onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.

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