vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-27 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have a hard inquiry on my account from XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I never applied for anything. I have contacted the credit reporting agency and they said they can't help with hard inquiries or dispute them. I contacted the company and they said I have to fax a document, which I did but then they can't verify to me that they received the fax or provide me with a number to that direct department.

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 2018-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018. My third dispute letter was sent XX/XX/2018. My fourth dispute letter was sent XX/XX/2018. 

XXXX continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or contract bearing my signature. 

XXXX has not provided this consumer with the information of Who verified these accounts and HOW these accounts were verified by virtue of documentation containing my signature binding me to these negative accounts. 

XXXX is now in violation of the FCRA and continues to be in noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: WA

Complaint narrative:
My wife and I have been having difficulty with U.S. Bank regarding a business credit card and have tried on numerous occasions to resolve the issue. They claim that are mail is undeliverable the past XXXX months so we could not get a credit card statement. When we went online no statement was issue from the last one posted XX/XX/2017. The minumum payment was XXXX we paid XXXX. We sent XXXX payments certified mail with money orders. We tracked the Money order and Certified mail and they were accepting delivery and cashing the money orders eventhough we received no statement paid in good faith XXXX. They refuse to post the payments that we made and charged us late fees cashing money orders after the due date. We were also charged interest rates last month XXXX now XXXX %. Last Month XXXX we sent a certified return receipt and they did post a XXXX payment but still refused to post the past payments. We contacted the Attorney General of Washington XXXX and showed the documents along with the claim of undeliverable mail.

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 2018-06-27 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:
For the past nine months dating back to XX/XX/2017, I have been in dispute with Transunion re : a derogatory tradeline reported by a company named XXXX XXXX XXXX alleging that I owe a balance of {$230.00}. I have requested Transunion verify this account with factual tangible documentation bearing my signature proving this account is legitimate and belongs to me. I have requested the names, addresses, and telephone phone numbers of actual people Transunion verified this account with. In addition, I have requested Transunions method of verification and to no avail, all my requests have been ignored. In response to my dispute, I have received nothing more than a computer-generated response letter continuing to claim this derogatory XXXX XXXX XXXX account has been verified and is being reported accurately. Upon the initial dispute with all three credit bureaus back in XX/XX/2017,  XXXX and XXXX promptly deleted the derogatory XXXX XXXX XXXX account from my consumer credit reports as XXXX  and XXXX were unable to verify the XXXX XXXX XXXX account belonged to me and that the account was being reported accurately. Based on XXXX and XXXX  response to my dispute re : XXXX XXXX XXXX, I believe Transunion is acting in bad faith and violating my consumer rights as well as the Fair Credit Reporting Act section 609 and 611 by not complying with continued requests for factual documentation, substantial evidence, and method of verification to verify this Enhanced Recovery Company account. This is my final attempt reaching out to XXXX requesting compliance with federal laws and for the permanent deletion of the derogatory tradeline being reported by XXXX XXXX XXXX. Since XX/XX/2017 Transunion has been unable to verify and substantiate their claim this Enhanced Recovery Company account belongs to me and is being reported accurately. In receipt of this CFPB complaint and at the expiration of the allotted time frame given to Transunion re : this matter, should Transunion continue to report this unverified XXXX XXXX XXXX account on my consumer credit report, I will be pursuing legal action seeking damages for violations of the Fair Credit Reporting Act including but not limited to section 609 and 611.

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 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I sent a letter to XXXX XXXX requesting that they validate, NOT verify a debt that they are attempting to collect from me. I asked for a signed agreement or other supporting document with my signature. They provided a billing statement which does not prove that I am obligated to pay them. A billing statement is not a validation. They have reported delinquent information to the credit bureaus that I am asking to be deleted. 
I have never done business with the company XXXX XXXX and have no contract.

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 2018-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: SC

Complaint narrative:
This company Phoenix Financial Services has placed 2 collections on my credit report that I do not own. Sometimes last year I disputed this same debt with XXXX and the collection was removed. I also contacted the original creditor who reported to me to file a complaint as well as dispute with the credit bureaus. I have also been informed that this company refuses to practice according to the FDCRA and properly validate collections that they are placing on consumer credit reports. 

These accounts are continued to report on my credit reports and they have not been validated according to the FDCRA, which is a direct violation of the FDCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Chex Systems received my dispute letter on the following dates according to returned receipts : XX/XX/2018, XX/XX/2018, XX/XX/2018. 

Chex Systems continues to report unverified accounts and inaccurate information. 

Chex Systems has not provided this consumer with the information of How these accounts were verified as accurate by virtue of proper documentation containing my signature binding me any these negative accounts and debts owed. 

Chex Systems is Now is violation of the FCRA and continues to be in noncompliance.

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 2018-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I've received numerous calls to my personal and work phones regarding a debt that I do not believe was opened by me. I've repeatedly asked that they send debt validation info via certified mail so they can verify I received it but they instead persist in making calls without providing the debt validation info that is my right under the Fair Debt Collector Practices Act. They also consistently call both lines from spoofed numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a certified dispute to this bureau about a closed old account labeled XXXX/XXXX XXXX. 

So, basically the dates are not right and I wanted the bureau to delete the account completely considering the delinquencies are actually from XX/XX/XXXXbut for some reason were not reported until XX/XX/XXXX. Delinquencies were not from XX/XX/XXXX. The card was already closed in XX/XX/XXXX. Considering I have not heard back from them in already over 30 days I would like to just have it deleted for an accurate report and abide by FCRA law 605 15 U.S.C. section 1681 ( c ).

Also, a major concern I have, Still I noticed that the item is not appearing as disputed so that I know at least that they are investigating this and that has violated FCRA 605 15 U.S.C section 1681 ( f ). No indication of dispute present

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 2018-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westhill Financial
State: CA

Complaint narrative:
West Hill Exchange has been harassing me since XX/XX/XXXX over a debt that was paid off in XX/XX/XXXX. I have provided them with banking info proving that the debt was paid, but still continued to get occasional calls. Now an employee named XXXX XXXX ( whose direct line is XXXX ) is calling me almost daily and threatening me with destroying my credit. When we speak he is nothing but dismissive and abusive, I have offered to show him the e-mail I have already shown to multiple people at West Hill Exchange, but he refuses to provide me his e-mail address. This is at the very least harassment bordering on extortion.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmart, LLC
State: CA

Complaint narrative:
On more than XXXX occasion, I was called at work and on my cell phone by an Account Manager XXXX. An account manager left several messages for me through the office manager at my job. This has caused complete embarrassment and anxiety for me at work. More recently I've received numerous threatening emails. This ordeal has given me anxiety and stress. I communicated that I do want to work to clear my debt and that I'm currently under dire financial constraints. When I didn't reply as quickly as the Account Manager, XXXX XXXX expected, I was harassed.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/23 Equifax did not address my dispute for removing fraudulent items. Instead they sent me a letter that had no context or value to the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I order all three of my credit reports and began going thru them looking for mistakes and I noticed XXXX XXXX. XXXX XXXX was on my reports in the XXXX XXXX of the reports, in lew of XXXX XXXX a credit card company. In the beginning of XX/XX/XXXX, I starting inquiring with these companies and the reporting agencies for the accuracy of the of the supposed to be debt items on my reports. I sent XXXX XXXX, a letter to Validate this supposed item of debt on XX/XX/XXXX. And XXXX in returned sent me back a updated change to their credit reporting policy. Note, I ask for XXXX to Validate this item listed on my reports. The next letter I, send was in the middle of XX/XX/XXXX, XXXX never replied to my second letter but is still reporting to the credit reporting agencies with out fail. These is a clear violation of FDCPA Sec. 809 b - Collection Agencies, not validating debt and still reporting to credit reporting agencies. Also, Credit Bureaus has violated my rights of the FCRA Sec. 604 a, 3. also by not correcting or refusing to do a full investigation after explaining XXXX has different statues as to closed acct. and open acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: CA

Complaint narrative:
Consumer complaint narrative I went to XXXX XXXX XXXX on XX/XX/2018 to purchase a car, After selecting a car to decide about the price he asked me to provide my details and gave the details to him and I told him " I wan na go for lunch and I will be back in 20 minutes and Do not run my credit before make an agreement about the price '' and he told me be sure we do not run your credit, but after I came back in 15 minutes I saw a paper that they run my credit and I got 3 hard enquiries which I have not approved. 
Equifax on XX/XX/2018 by XXXX, XXXX XXXX, XXXX on XX/XX/2018 by XXXX XXXX, XXXX on XX/XX/2018 by XXXX XXXX. I did not buy any thing and i did not get a loan. 
Please do the needful! 
Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/23 Sent a letter certified mail to Experian in regards to fraudulent accounts for removal. Since then I have not received a response or seen any action taken place for removal

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 2018-06-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a certified dispute to this bureau about a closed old account labeled XXXX XXXX. 

So, basically the dates are not right and I wanted the bureau to delete the account completely considering the delinquencies are actually from XX/XX/XXXXbut for some reason were not reported until XX/XX/XXXX. Delinquencies were not from XX/XX/XXXX. The card was already closed in XX/XX/XXXX. Considering I have not heard back from them in already over 30 days I would like to just have it deleted for an accurate report and abide by FCRA law 605 15 U.S.C. section 1681 ( c ).

Also, a major concern I have, Still I noticed that the item is not appearing as disputed so that I know at least that they are investigating this and that has violated FCRA 605 15 U.S.C section 1681 ( f ). No indication of dispute present

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 2018-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This complaint is regarding Capital One 's recent decision to not allow data sharing with third-party companies, even though the consumer/account holder has authorized the third parties to access said data. This new " policy '' has literally cost me financially. I as a consumer and Capital One account holder, insist that Capital One return to it's previous practice of sharing data with AUTHORIZED third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I logged into my Chase account and saw that all of my personal and small business credit cards were closed. I was given no other explanation than I had too many credit lines open on my credit report and they have the right to close any account at any time if they choose to do so. I asked several Chase representatives to reconsider and I was told many times that the decision was final and there is no possible way to re-open them. I've never missed a payment on any credit card, loan, or even bill payment in my entire life, and my paycheck direct deposit goes to my Chase checking account every 2 weeks. Not to mention I use the business checking/credit cards for everything I do with my business on the side. 

To be treated this way by a bank who I've done lots of business with is despicable, as is their refusal to even consider the expectations of their customers. I also have a hefty amount of rewards points saved up that will now expire in a few days, so I need to use them immediately, rather than save them for when I am actually planning my next trip.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank posted late fee on my account despite mailing payment in on time. I am never late. As soon as I saw the late fee I made a payment directly at the branch on XXXX XXXX in XXXX. I called and they refused to reverse the late fee. This all happened today - XX/XX/2018. I am concerned they are holding payments and not posting them to force consumers to accrue late fees. Given my impeccable payment history, I am disgusted that they would not waive the late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-27 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: CA

Complaint narrative:
On XX/XX/XXXX I sent a certified dispute to this bureau about a closed old account labeled XX/XX/XXXX XXXX and an unknown account with no viability or descriptions ; XXXX California # XXXX. 

XXXX California is not verifiable, valid or an actual account. I never owed the state or city {$88.00} and I have no outstanding debt and never have before. What is this? Remove it please. 

So, basically the dates are not right for XX/XX/XXXX and I would like the bureau to delete the account completely considering the delinquencies are actually from XXXX but for some reason were not reported until XXXX. Delinquencies were not from XXXX. The card was already closed in XXXX. Considering I have not heard back from them in already over 30 days I would like to just have it deleted for an accurate report and abide by FCRA law 605 15 U.S.C. section 1681 ( c ). 

Also, a major concern I have, Still I noticed that the item is not appearing as disputed so that I know at least that they are investigating this and that has violated FCRA 605 15 U.S.C section 1681 ( f ). No indication of dispute present.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX received my dispute letter on the following dates according to returned receipts : XX/XX/2018, XX/XX/2018, XX/XX/2018. 

XXXX XXXX continues to report unverified accounts and inaccurate information. 

XXXX XXXX has not provided this consumer with the information of How these accounts were verified as accurate by virtue of proper documentation containing my signature binding me any these negative accounts and debts owed. 

XXXX XXXX is Now is violation of the FCRA and continues to be in noncompliance.

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