vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-28 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hi yes Ive had this card for about one year. They gave me a limit of XXXX. For the first time in 8 years I was out of town and forgot to make a payment. I called them right away and said I knew I was late but I was going to make the payment tomorrow. Just needed to set up my new checking account information with them. So I just use my old account to make the payment which was XXXX plus the late fee that they decided to charge anyways even though I made a phone call to them. So instead of paying the XXXX I made a XXXX payment instead and also made another XXXX payment 3 days after the first payment. to just pay it down some. Its XXXX the balance and I paid XXXX should be XXXX but some how its XXXX still. And they also made a report stating that on XXXX XXXX. That I increased my balance for XXXX not that I made XXXX in payments! And they also reduced my credit limit line from XXXX to XXXX with just one email saying that they decided that should be done. After making XXXX in payments and only having XXXX due. Unbelievable!! They said I increased the balance and never stated I made the two payments. Now reading al these reviews about them. Im horrified

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 2019-11-28 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: TN

Complaint narrative:
i have been watching my credit score daily for 36 months. there is no pattern to my credit score changing ... i pay cc debt to less than 30 % utilization -- credit score drops by 3 pts ( XXXX, transunion and XXXX ). i do nothing, score up 1 point. i have filed dozens of disputes - either no response or just stmt " we believe them '' but they are under no burden to provide actual data to support it. there should be a transparent credit scoring model - not just " it's complicated '' it's not. that's nonsense. do x credit score increases, do y credit score decreases ... the consumer is not protected. the agency websites are not easy to use and the disputes often aren't responded to. i want to know how score is calculated every single time and what causes it to increase/decrease -- - it's insane that the consumer doesn't have a right to this information. my credit has been ruined - i've disputed with all agencies and it takes years for them to do something besides sending a notice saying 'we got your dispute, we're looking into it. ' bad credit has prevented me from employment, insurance, home ownership, etc. this is truly criminal.

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 2019-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
i have been watching my credit score daily for 36 months. there is no pattern to my credit score changing ... i pay cc debt to less than 30 % utilization -- credit score drops by 3 pts ( XXXX, XXXX and equifax ). i do nothing, score up 1 point. i have filed dozens of disputes - either no response or just stmt " we believe them '' but they are under no burden to provide actual data to support it. there should be a transparent credit scoring model - not just " it's complicated '' it's not. that's nonsense. do x credit score increases, do y credit score decreases ... the consumer is not protected. the agency websites are not easy to use and the disputes often aren't responded to. i want to know how score is calculated every single time and what causes it to increase/decrease -- - it's insane that the consumer doesn't have a right to this information. my credit has been ruined - i've disputed with all agencies and it takes years for them to do something besides sending a notice saying 'we got your dispute, we're looking into it. ' bad credit has prevented me from employment, insurance, home ownership, etc. this is truly criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: Ascendium Education Group
State: FL

Complaint narrative:
Refuses to provide me the original creditor 's information, which supports that Ascendium Education has reaged the account to keep on credit reports. The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7 years from the date of first delinquency ( DOFD ). I am requesting the original creditor 's information again which I am entitled. It will validate when the accounts were opened and the payment history. I have never paid anything on the accounts because I have been XXXX over 10 years. The accounts are obsolete and if Ascendium does not delete the obsolete accounts that they have reaged, I will be forced to retain legal representation against Ascendium. XXXX  and XXXX  are not requesting the original creditor 's info which supports the accounts are obsolete. I have requested a validation letter from both on numerous occasions and they have ignored and refused. After this. it will be an intent to sue. The credit bureaus has the authority to delete obsolete information ; however they are refusing to conduct a thorough investigation. They constantly send a generic response saying valid which is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2019 I spoke with XXXX in Fraud Department Services regarding uploading my FTC report that list account XXXX/XXXX  XXXX XXXX to have it deleted/blocked because it is a part of my identity theft. Currently it's in dispute but he told me to call once FTC report has been uploaded to block/delete unfortunately, I tried for about an hour to upload the document through Experian upload and it never worked for almost an hour and the only way I could get it to them immediately is here through the CFPB

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 2019-11-28 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX NJ XXXX DOB XX/XX/XXXX SS XXXX I requested kindly that XXXX  provide legal documentation regarding information transmitted to credit reporting agencies for me, with regard to the asserted account XXXX****.I demand CONTRACT, PROOF OF OWNERSHIP, from this 3rd party collection agency! I have file a police report and FTC Report against this unknown account. I am asking for a contract between myself and XXXX? I hereby request that your company delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt .XXXX Corporation is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with XXXX company management. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by XXXX to the credit bureaus should not be deemed truthful and may bespeak your disregard for consumer protection statutes. Please delete this fraudulent account at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: FL

Complaint narrative:
Refuses to provide me the original creditor 's information, which supports that XXXX XXXX has reaged the account to keep on credit reports. The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7 years from the date of first delinquency ( DOFD ). I am requesting the original creditor 's information again which I am entitled. It will validate when the accounts were opened and the payment history. I have never paid anything on the accounts because I have been XXXX over 10 years. The accounts are obsolete and if XXXX does not delete the obsolete accounts that they have reaged, I will be forced to retain legal representation against XXXX. Transunion and XXXX  are not requesting the original creditor 's info which supports the accounts are obsolete. I have requested a validation letter from both on numerous occasions and they have ignored and refused. After this. it will be an intent to sue. The credit bureaus has the authority to delete obsolete information ; however they are refusing to conduct a thorough investigation. They constantly send a generic response saying valid which is not true

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 2019-11-28 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: FL

Complaint narrative:
Refuses to provide me the original creditor 's information, which supports that XXXX XXXX has reaged the account to keep on credit reports. The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7 years from the date of first delinquency ( DOFD ). I am requesting the original creditor 's information again which I am entitled. It will validate when the accounts were opened and the payment history. I have never paid anything on the accounts because I have been XXXX over 10 years. The accounts are obsolete and if XXXX does not delete the obsolete accounts that they have reaged, I will be forced to retain legal representation against XXXX. XXXX   and Experian are not requesting the original creditor 's info which supports the accounts are obsolete. I have requested a validation letter from both on numerous occasions and they have ignored and refused. After this. it will be an intent to sue. The credit bureaus has the authority to delete obsolete information ; however they are refusing to conduct a thorough investigation. They constantly send a generic response saying valid which is not true

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 2019-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a notification from my credit monitoring company, XXXX XXXX, that there was a change on my credit report. I signed in to see what it was and I shocked and upset to see that Capital One reported a line of credit as a result of my son adding me as an authorized user on his account. I have had a credit card with Capital One approximately 18 years. I called Capital One regarding this and was told that they report authorized users to the credit bureau. I researched this online and found that yes Capital One is a company that reports this. Not all companies report authorized users to the credit bureaus. I was never informed /contacted regarding this and I feel that this is something they should be doing. My son added me as a way of thanking me for the support I have given him and encouragement helping him to improve his credit. He is coming out of bankruptcy, so his credit line is very low. 
He wanted me to use it for little things like treating myself to lunch. I personally have a high FICO score, almost perfect credit. I have read that being an authorized user on someone else 's card does not improve your credit, so why was this account reported on my account and what is the reason for doing it? This entry looks like I have added another line of credit and I didn't. As I think about how anyone can add a person as an authorized user without their consent, I feel that someone can have nefarious reasons to do it and possibly ruin someone's credit. I was unable to find out if my SSN was improperly used to report this to the credit bureaus. I was told perhaps my son provided it. I asked him and he said, " no ''. I resent being asked this when I was unable to get a definitive answer as to whether they used it. I was told they could not tell since they removed me from my son 's account. I feel that if my son has missed or late payments on his account, it could reflect negatively on my credit. As I stated, the entry on my report does not indicate authorized user it shows as a new credit line. This is a very dangerous practice by Capital One because they do not inform the account holder of the ramifications of adding an authorized user and more importantly they do not inform or ask permission from the person being added. This is a very bad practice and should be changed as this can be harmful and I'm waiting for my next FICO score update to see if this has impacted it. If my score goes down even by 1 point, I will be seeking legal assistance to discuss the matter. I am thinking of the many ways this practice may be used to benefit Capital One and I am very upset as I don't trust credit card companies or banks, due to all the underhanded practices they have taken advantage of unsuspecting consumers. What has happened is very deceptive and should be looked at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-28 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: AES/PHEAA
State: NC

Complaint narrative:
Student loan has been reporting the wrong balance before school was shutdown for fraudulent Activity. 
There are duplicate student loans that are reporting negatively on my credit report I have tried to resolve this issue several times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
The collection is wrong, and has been paid.

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 2019-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I went to the bank branch to ask why I had two charges of {$36.00} pending overdraft and the banker told me it was for a charge of {$8.00} but if I deposited {$8.00} in cash it would be erased and the two charges would be returned of XXXX dollars and I did that same day at the time I deposited XXXX dollars and then XXXX and XXXX later in cash and I asked you are sure that my account is up to date and they would not charge me 36 times and he replied that if I left confident and I didn't check my cell phone until Saturday I see I had the 2 charges of XXXX dollars and pending another 2 charges of XXXX dollars call the US bank branch immediately Bank and I talked to the cashier and he told me that at that moment he would be returning two times {$36.00} dollars. and I angrily told him that why he didn't do it on Wednesday when he assured me that he had already done it? Well, I expected my account to be free of charge and on Tuesday I checked my cell phone again and now I had 5 times the overdraft charge of {$36.00} I did not make any transactions or movements with my card but I still overdraft for overdraft charging XXXX many times. then call customer service by phone at U.S. Bank and told me that they could not help me they were very arrogant and that I had to pay overdraft XXXX dollars which I do not have to pay that is an unfair abuse after I went to another branch where they understood my situation and the kind cashier returned me Twice XXXX dollars but I still followed the balance of XXXX dollars and the next Tuesday the bank returned to charge me twice XXXX dollars I am not willing to pay that because it is not my fault I know I had enough to make the payments and the banker He said he deposited only XXXX dollars and his account will be up to date if the one or another had told me you overdrawn for XXXX dollars and I would have deposited them so that it will not be overdrawn now I am not willing to give even XXXX dollar to that bank until the 5 charges are cleared of {$36.00} overdraft

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 2019-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: VA

Complaint narrative:
XXXX XXXX tacks a XXXX dollar fees on their one time payment system slyly hoping people will ignore and pay extra. 

I am supposed to pay XXXX and the system just added a fees in the bottom of XXXX dollar for no reason. 

Your MyLoans payment has been processed.

Your payment in the amount of {$2000.00} has been processed.

To view this transaction, log in to MyLoans.

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 2019-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: NC

Complaint narrative:
XX/XX/XXXX {$360.00}, XX/XX/XXXX {$730.00}, XX/XX/XXXX {$420.00}, XXXX {$590.00} I called them to see what it was because I didn't even know who there where. Tired to tell them that it wasn't me and they still trying to say it was me and that if I didn't think it was me that I need to go to the police department and file a identity theft report that would be the only way they could help me. When I'm telling them they address they have on file is not even the address I was living at. And to explain to them that the accounts where closed and they still saying I have to pay and the they trying to say I seen two doctors in one night that's how I have two of the same dates up there. Which I know I didn't go to the emergency room on the dates that they are talking about.

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 2019-11-28 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: VA

Complaint narrative:
I have made several. attempts to, fix monitor, and correct errors on my EQUIFAX credit file. It seems as if each, and when it's time for me to obtain a free copy my annual credit report, either my account is locked or I'm unable to login to get it. I then have to end up calling Equifax directly. When I call, their system leads you to believe that you have to submit a request in writing and send two forms of identification when you do. It is usually at that point where I call Equifax 's credit monitoring dept. and share with the rep that I'm locked out of my credit file and they get me into direct contact with a rep within company that fixes and unlock my file right then. This seems really peculiar because in the midst of all of this, EQUIFAX reports my score SIGNIFICANTLY lower than any of the 3 major credit bureaus, and this has been happening for sometime. XXXX  currently has my score at XXXX, while Equifax has it at XXXX. I understand that there may be some difference, but it shouldn't be by over 40 points in the midst of NOT being able to get, or have access to your credit in efforts to correct or address anything on there that may be causing this on my ( the consumers ) end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// TRIDENT ASST MANAG IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation