vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-29 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: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account number : XXXX and XXXX Collector : XXXX XXXX XXXX XXXX XXXX Status : Unpaid Balance Amount : {$320.00} and {$420.00}

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 2019-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought a car at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX. I spoke and worked with XXXX XXXX Sales Associate, New Vehicles, Tel : XXXX. 

XXXX sold me a set of services that I did not need and I canceled them the next day. He was out that day so we emailed and I spoke whit his supervisor - XXXX   Whom emailed me letting me know that the services had been canceled. 

In discussing a different issue with the Lender- Wells Fargo- I found out that the services where included in the loan and that the XXXX  dollars I had paid to the dealership had not been applied to the loan. 

I have emailed, phone and try to talk to the folks at the dealership but they are unresponsive.

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 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently disputed the bankruptcy information reporting on my Equifax credit file with the credit bureau and they investigated the item and stated that it was accurately reporting according to their source which is XXXX. However, I recently challenged the accuracy of XXXX reporting of the bankruptcy and since they failed to investigate and validate the bankruptcy within the time parameters allowed by law, they removed the bankruptcy from my consumer file. Thus, if the bankruptcy information that was verified through XXXX is no longer being reported by XXXX then it should be immediately removed from my Equifax credit report. 

Additionally, I have disputed, numerous times, three inquiries that are reporting on my credit file erroneously. Equifax continues to state that inquiries are a matter of factual record but they failed, as required by law, to provide me with any information that verified that I actually gave verbal or written permission for these companies to obtain a copy of my credit report even when I informed Equifax that the pulling of my credit without my consent is fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
I believe American Express is illegally billing for late fees and interest. I have been billed for late fees and interest even though my payments arrived in time, which they acknowledge. Their policy is that even if the consumer made the payment prior to the due date on the statement, they charge fees and interest based on when the bank actually cleared the check. I have written documentation from them stating this is their policy. How can a consumer be charged fees if they sent the payment in on time? It is out of the control of the consumer as to when a bank would " clear '' the check. In my case, it was several days after my payment had been received by American Express. How can this be legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-29 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: SC

Complaint narrative:
After properly, lawfully disputing and deleting four credit items/accounts within my Experian credit file/report, Experian illegally, discretely and systematically re-inserted the same four credit items/accounts despite the guidelines established within section 611 of 15 U.S.C. 1681i, the Fair Credit Reporting Act ( FCRA ). Below are the accounts re-inserted by Experian in addition to a quick rundown of key dates and actions taken by such XXXX XXXX XXXX ( CRA ) : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. 
On XX/XX/2019, Experian deleted the five accounts referenced above from my credit report. However, the issues started on XX/XX/2019 when Experian began re-inserting the same accounts into my credit report. Pursuant and dictated under the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), each consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Experian miserably failed to perform this action in violation. On XX/XX/2019, although not being disputed, the accounts identified as XXXX XXXX   and XXXX were re-inserted into my Experians credit report. Systematically, on XX/XX/2019, although not being disputed, the accounts identified as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were re-inserted into my Experians credit report. Finally, on XX/XX/2019, Experian deletes the account identified as XXXX XXXX XXXX XXXX from my credit report for a second time in less than a six-month period.

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 2019-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account number : XXXX and XXXX Collector : XXXX XXXX Original XXXX XXXX   Status : Unpaid Balance Amount : {$320.00} and {$420.00}

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 2019-07-29 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: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year.

These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account number : XXXX   and XXXX Collector : XXXX XXXX Original XXXX XXXX Status : Unpaid Balance Amount : {$320.00} and {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Have tried repeatedly to get free annual credit report from Equifax over the last year. Last attempt XX/XX/2019. Can not get report online. They keep telling me do mail in all kinds of documentation i.e drivers license, ss card, utility bill, pay stubs, ss statements, tax returns, birth certificate and on and on and on. This is nonsense. I would never put that kind of information in the mail to anyone. Get my reports from other two reporting agencies without any problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX, I tried to make an online purchase with my Victoria Secret credit card which is through Commenity Bank. They suspected fraud because I was sending the merchandise to my daughter in Florida. They shut my card down and told me that in order to have the the card back active, I would have to send a copy of my Social Security card, Drivers License and a utility bill to XXXX XXXX XXXX XXXX OH XXXX. I told them in this day and age no one would be stupid enough to send their Social Security Card in the mail where anyone could get it and steal your identity. I am sure that the Federal Government would not want someone to send their Social Security card in the mail. I was told that if I didn't do what they wanted they could not help me and my card will be cancelled. I asked them what protection do I have if someone obtains my identity and they told me no I have no protection. I do not believe this should be legal. No one should be able to ask for a copy of your Social Security card and your Drivers License just to lift a hold on their credit card. I did not need to show my Social Security Card when I opened the account. Just as you are not asking me for my Social Security number in this complaint, no one should.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
Balance : {$1200.00} On XX/XX/2019, I notified Enhanced Recovery company in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Enhanced recovery Company refused to follow up on my letter explaining or notice it is disputed. I wish to file a complaint against Enhanced Recovery Company under the Dodd-Frank Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX Collector : XXXX XXXX Creditor : XXXX Status : Unpaid Balance Amount : {$640.00}

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 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have a CapitalOne Quicksilver credit card, it was perfectly maintained never get late payment. The card expired in XX/XX/XXXX, I waited for couple month but didn't not receive any replacement card ( which other companies always do month leading to expiration ), I then requested replacement card on their website, another month passed and I never receive my new cards to this day. XX/XX/XXXX, CapitalOne closed my account due to inactivity.

I can not use the card because CapitalOne never send me my renewed card after the one I have expired 20 month ago, and this should not be the reason my account is closed without notifying me 30 days before they made the decision.

I would like to reinstate my account considering the impact to my credit score due to its impact on my average age of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX case number of previous complaint with CFPB. 

I am attaching a document that verifies the Power of Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I never received statements from 2016. They went to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Balance : {$3.00} On XX/XX/2019 I notified Professional Debt Mediat in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Professional Debt Mediat refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Professional Debt Mediat under the Dodd-Frank Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX Collector : XXXX Original Creditor : XXXX Status : Unpaid Balance Amount : {$640.00}

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 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX Collector : XXXX XXXX Creditor : XXXX Status : Unpaid Balance Amount : {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, I am currently applying for a mortgage and i need a fraud alert found on my Experian credit report removed. 

I on XX/XX/19 i mailed to Experian a request to remove the fraud alert. I enclosed with all the documents needed XXXX copy of SS card, Proof of address, Photo id ) but my mortgage broker re pulled my credit report today and the fraud alert was still showing.

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 2019-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I never received statements from 2016. They went to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
I recently made a payment of {$230.00} to Enhanced Recovery Company not knowing that I had the right to dispute the account. I was paying to prevent from having multiple negative entries on my credit report. The Collection Agency placed an entry on my credit report before notifying me in writing or allowing me to validate the debt. I pulled my own credit report out of surprise that the entry was made but placed as a zero ( 0 ) balance. I received no notice from the collection agency just paid them without knowledge that it was already listed on my credit. I submitted a certified return receipt letter to them dated XX/XX/2019 validating the debt with no response. I submitted a dispute with XXXX   XXXX report they updated the information with no proof of how they verified the entry. I dont have anything with proof that I actually owed that amount & when did this account went delinquency. They are reporting incorrect information. I dont have any information about this account from the Collection Agency that states they are collecting for XXXX XXXX XXXX. I request for documentation or for the entry to be removed from my credit report with XXXX. I have supporting documentation to support this complaint such as the certified letters & letters received from XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R & B Corporation of Virginia
State: AZ

Complaint narrative:
They called a family member, who has no association with the account in issue whatsoever, and aggressively got into specifics about exactly what amount ( s ) are/were owed, when, what adjustments were made, etc. I told them this was not acceptable, and they told me they can continue to call her to attempt to collect this {$9.00} ( arguably invalid ) underlying debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Received a letter today stating tried to purchase or open account with. PayPal credit Payment. I live in Iowa don't have this and don't know what it is about. Feel it is indenity thief or scam

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