vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had made a purchase at XXXX XXXX for {$1000.00} on XX/XX/2018. I had returned the item immediately to them and XXXX 's took a long time processing the refund, but it was processed on XX/XX/2018. During this time I had made a payment. Interest had accrued and was not posted to my account until after that. Based on {$8.00} interest, It was reported to my credit as a late payment. I was not made aware that I had a balance on my credit card for {$8.00}, and I should have been notified before it was reported to my credit agency. This is ruining my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I requested a debt validation after I received a letter from this debt collection agency. All they sent was a bill with no signature or proof that it was my debt. The bill is in the amount of {$640.00} for a cable bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: PA

Complaint narrative:
XXXX XXXX : XXXX XXXX XXXX has or obtain and committed fraud by running or running an Inquiries with out my consent as on XX/XX/18 on my Equifax report with out my permission as well I have not ask or requested any credit from this company or sign any document to obtain credit.I 'm also filing with the department of justice on XXXX XXXX : XXXX XXXX XXXX and Equifax with the department of justice to why my credit is effeted by Equifax/XXXX XXXX : XXXX XXXX XXXX Will also be filing a law suit on this company and Equifax for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: ND

Complaint narrative:
On XX/XX/2018 I sent Experian a letter requesting them to provide me with an originally signed consumer contract for XXXX inaccurate accounts which do not belong to me from ( 1 ) XXXX XXXX Account, ( 2 ) XXXX XXXX Account and ( 3 ) XXXX XXXX Account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Experian is required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts Experian posts on a credit report. On XX/XX/2018 Experian signed the return receipt. On XX/XX/2018 Experian sent me report # XXXX with dispute results which clearly shows they are continuing to report unverified accounts which is against federal law. They have failed to provide me with a signed consumer contract. 

I have attached a copy of the letter Experian received dated XX/XX/2018, the signed return receipt dated XX/XX/2018 and the updated Experian credit report # XXXX dated XX/XX/2018.

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 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I requested a debt validation with a formal letter around XX/XX/2018 after I received a letter from this debt collection agency with no valid proof that it was my debt. The bill is in the amount of {$190.00} for a credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This dispute involves XXXX XXXX XXXX  and an inaccurate reporting of my account status. In XX/XX/XXXX I realized that though this account was sold to a collection agency XXXX XXXX XXXX on XX/XX/XXXX that XXXX XXXX XXXX  was still reporting data to the all 3 credit bureaus ( Transunion, XXXX, and XXXX  ) with the status being FP or " failed to pay ''. At this time, I initiated disputes with all 3 credit bureaus in regards to the accuracy of the reporting. According to the bureaus, the information was verified as accurate by XXXX XXXX. Subsequently XXXX XXXX in response to these disputes continued to report my account as FP or " failed to pay '' throughout XX/XX/XXXX. After multiple attempts to get this information verified by reaching out to the credit bureaus via letters ( 4 letters in total ) the bureaus began to mention that there was already a dispute open in regard to the matter and that they do not open disputes that have already been verified as accurate. Upon being told this information, I reached out to XXXX XXXX directly and was told that they'd verified the information and would not open an investigation into the matter. After the letter was sent directly to them, they again reported FP or " failed to pay '' in XX/XX/XXXX on an account that had been settled with XXXX XXXX XXXX in XX/XX/XXXX. This has resulted in my credit report reflecting recent missed payments for an account that was sold on XX/XX/XXXX. XXXX XXXX has verified that the account has been in there possession since XX/XX/XXXX and that XXXX XXXX should not have been reporting any information beyond that date. After this account was settled there was still no update to the account as being paid or legally settled for a lesser amount.

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 2018-08-15 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: LA

Complaint narrative:
This dispute involves XXXX XXXX Bank and an inaccurate reporting of my account status. In XX/XX/XXXX I realized that though this account was sold to a collection agency XXXX XXXX XXXX on XX/XX/XXXX that XXXX XXXX Bank was still reporting data to the all 3 credit bureaus ( XXXX, Experian, and XXXX ) with the status being FP or " failed to pay ''. At this time, I initiated disputes with all 3 credit bureaus in regards to the accuracy of the reporting. According to the bureaus, the information was verified as accurate by XXXX XXXX. Subsequently XXXX XXXX in response to these disputes continued to report my account as FP or " failed to pay '' throughout XX/XX/XXXX. After multiple attempts to get this information verified by reaching out to the credit bureaus via letters ( 4 letters in total ) the bureaus began to mention that there was already a dispute open in regard to the matter and that they do not open disputes that have already been verified as accurate. Upon being told this information, I reached out to XXXX XXXX directly and was told that they'd verified the information and would not open an investigation into the matter. After the letter was sent directly to them, they again reported FP or " failed to pay '' in XX/XX/XXXX on an account that had been settled with XXXX XXXX XXXX in XX/XX/XXXX. This has resulted in my credit report reflecting recent missed payments for an account that was sold on XX/XX/XXXX. XXXX XXXX has verified that the account has been in there possession since XX/XX/XXXX and that XXXX XXXX should not have been reporting any information beyond that date. After this account was settled there was still no update to the account as being paid or legally settled for a lesser amount.

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 2018-08-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status. In XX/XX/XXXX I realized that though this account was sold to a collection agency XXXX XXXX XXXX on XX/XX/XXXX that XXXX XXXX Bank was still reporting data to the all XXXX credit bureaus ( XXXX, XXXX, and Equifax ) with the status being FP or " failed to pay ''. At this time, I initiated disputes with all 3 credit bureaus in regards to the accuracy of the reporting. According to the bureaus, the information was verified as accurate by XXXX XXXX. Subsequently XXXX XXXX in response to these disputes continued to report my account as FP or " failed to pay '' throughout XX/XX/XXXX. After multiple attempts to get this information verified by reaching out to the credit bureaus via letters ( 4 letters in total ) the bureaus began to mention that there was already a dispute open in regard to the  matter and that they do not open disputes that have already been verified as accurate. Upon being told this information, I reached out to XXXX XXXX directly and was told that they'd verified the information and would not open an investigation into the matter. After the letter was sent directly to them, they again reported FP or " failed to pay '' in XX/XX/XXXX on an account that had been settled with XXXX XXXX XXXX in XX/XX/XXXX. This has resulted in my credit report reflecting recent missed payments for an account that was sold on XX/XX/XXXX. XXXX XXXX has verified that the account has been in there possession since XX/XX/XXXX and that XXXX XXXX should not have been reporting any information beyond that date. After this account was settled there was still no update to the account as being paid or legally settled for a lesser amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/2016 I paid off my credit card I was told if I did it would be removed off more credit report but has not. Its been two years and still nothing I called several times, to resolve it.

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 2018-08-15 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: TN

Complaint narrative:
I submitted a dispute with the credit bureaus about late payments with XXXX XXXX XXXX and I was told by the creditors to submit a letter of explanation which I did long story short on the pay amount late it shows {$0.00} but on the pay status late payments appear so Im trying to get an understanding of how is one right but the other is incorrect but they basically states the same thing

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 2018-08-15 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: DISCOVER BANK
State: IL

Complaint narrative:
I made a complaint recently about Discover card personnel starting a dispute in XX/XX/2018 without my knowledge or consent that caused me great distress, much time and trouble and concern. That has been resolved and the company acknowledged it erroneously started an unwarranted, unauthorized dispute. Despite this, I received a letter from Discover card, dated XX/XX/2018 that stated that they were " happy to continue our investigation of your disputed transaction ... '' The case number is XXXX regarding a {$58.00} charge on XXXX. The problem is that I did not make this purchase, was not informed of a " dispute '' until I received this letter, and once again, was not a party to a dispute begun by Discover car " on my behalf '' nor did I authorize any dispute to be begun - again! I called Discover and it turns out that this was ANOTHER MISTAKE on their part and the dispute referenced in the letter was, according to Discover card, for another customer. I also received a letter that same day, also dated XX/XX/2018 from Discover that directed me to call their XXXX number because " they wanted to discuss important information about my account. '' Again, these two letters and situation have caused me great concern and distress. I absolutely can not believe that Discover card made these serious errors two months in a row on my account, which I have had for decades without incident. It is obvious that Discover card has a very serious quality control problem as regards unauthorized and mistaken disputes and mixing customers up. They need to be called to task for this. I am losing confidence in my credit card and wonder what Discover card is going to do to my account next - more disputes and mix ups? This is inexcusable - twice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Disputed the inquiries and called customer service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANT XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
XXXX has been non-compliant with removing the unverified account PINNACLE CREDIT SERV XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that PINNACLE CREDIT SERV was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account SANTANDER CONSUMER USA XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SANTANDER CONSUMER USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: TX

Complaint narrative:
XXXX XXXX XXXX has agreed to remove their accounts from my credit report. This is the second request that I have submitted to have this negative information removed. see attached letter I am now demanding that this account be removed in the next 3-4 days.

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 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I purchased my home in XX/XX/2017. My home 's value went up since closing. I financed it from Wells Fargo. According to Wellsfargo home mortgage website I am able to cancel your PMI earlier, based on its current value. I called Wells Fargo mortgage department to get more information about how to cancel my PMI. I was told that if my homes value is more than {$300000.00} I am able to cancel it. I was also told that I need to get a home value assessment to confirm its value. 
I filled out the necessary papers and pais {$200.00} for the assessment. They sent a broker for the assessment. The broker assessed my homes value around {$340000.00}. 
I called Wells Fargo to learn when the PMI is going to be cancelled I was told that I am not qualified for cancellation because I havent done any significant structural improvement. 
When I called them at the beginning they never told me that I had to do structural improvement. Now, they are telling me that I have to do around $ 27K improvement in order to cancel the PMI. 
I was misguided by Wells Fargo website and its customer service representative about canceling PMI. 
Later, I called they customer service for a resolution and created a case number more than a month ago. No one called or emailed me regarding my complaint. I called several times their customer service to find an answer but no answer.

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 2018-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has agreed to remove their accounts from my credit report. This is the second request that I have submitted to have this negative information removed. see attached letter I am now demanding that this account be removed in the next 3-4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX added a negative account to my credit report. The date they state this account was opened with them was XX/XX/XXXX. I believe this to be for a XXXX debt that was already once removed from my credit report. Loan Type Debt Buyer Account. I am in the process of rebuilding my credit, this has negatively impacted my score which was on a slow climb towards mortgage ready. The date of first Delinquency is listed as XX/XX/XXXX before my account was open with them. The information they have posted on my credit report is inconsistent. They have made no attempt to contact me by mail. They are a predatory collector dredging up things past removed to add them to a credit report again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I would like to increase my bank of america credit limit so that my credit card utilization is under 30 %

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