vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
The last time I used this store card the balance due was {$1200.00} in XXXX, XXXX. 
By XX/XX/XXXX the total increased to {$5700.00}. I identified to the customer service agent that these were charges of identity theft and was laughed at. 
I obtained an attorney In XXXX, XXXX after numerous harassing phone calls were made to my cellphone daily as well as mailing letters requesting payment. On XX/XX/XXXX a letter was mailed to the company explaining that an attorney had been obtained and to stop all contact with me. 
Now I was informed that during the month of XXXX, XXXX my ex-wife was notified on her cellphone and letters were mailed to her new residence and she was never listed on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The investigation conducted by the 3 major credit bureaus has failed to meet the requirements guaranteed by the FTC and the FCRA via consumer rights. In XX/XX/2019, I had demanded that as a consumer I be afford the Method of Verification used in the investigation of my disputed claims. I asked that the 3 credit bureaus provide me with the name and title of all persons handling this investigation. When and where did this take place, and what physical documentation used to verify these accounts. Inwhich by no means is electronic Verification proof of any sort therefore it can not be accepted as such. It is my greatest hope that you and your companies will remove these accounts immediately. Accounts are as following. 

1 ) XXXX XXXX XXXX {$680.00} 2 ) XXXX XXXX XXXX {$350.00} 3 ) XXXX XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX XXXX XXXX {$140.00} 6 ) US Dept of Education {$3800.00} 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX   XXXX 10 ) XXXX XXXX XXXX {$71.00} 11 ) XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The investigation conducted by the 3 major credit bureaus has failed to meet the requirements guaranteed by the FTC and the FCRA via consumer rights. In XXXX 2019, I had demanded that as a consumer I be afford the Method of Verification used in the investigation of my disputed claims. I asked that the 3 credit bureaus provide me with the name and title of all persons handling this investigation. When and where did this take place, and what physical documentation used to verify these accounts. Inwhich by no means is electronic Verification proof of any sort therefore it can not be accepted as such. It is my greatest hope that you and your companies will remove these accounts immediately. Accounts are as following. 

1 ) XXXX XXXX XXXX {$XXXX} 2 ) XXXX XXXX XXXX {$XXXX} 3 ) XXXX XXXX XXXX {$XXXX} 4 ) XXXX XXXX XXXX {$XXXX} 5 ) XXXX XXXX XXXX {$XXXX} 6 ) US Dept of Education {$XXXX} 7 ) XXXX   XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX XXXX {$XXXX} 11 ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon checking my credit report I've noticed inaccurate information reporting on my file. This information has to be someone else 's that's close in name cause these following accounts definitely not mines, please block these accounts immediately. 

1 ) XXXX XXXX XXXX XXXX {$18000.00} 2 ) XXXX XXXX XXXX XXXX {$30000.00} 3 ) XXXX XXXX XXXX XXXX {$12000.00} 4 ) XXXX XXXX XXXX XXXX {$5300.00}

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 2019-06-03 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: Diversified Consultants, Inc.
State: OH

Complaint narrative:
I have never done business with DIVERSIFIED CONSULTANT # XXXX {$1600.00} I have already disputed this account with another company XXXX XXXX that I guess sold this Unverified account to DIVERSIFIED CONSULTANT # XXXX. I will sued them if they do no remove this Fraudulent account and stop selling it to other collection agencies.I request that formally DIVERSIFIED CONSULTANT substantiate account data DIVERSIFIED CONSULTANT conferred to the major credit bureaus for me, XXXX XXXX XXXX, with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: AR

Complaint narrative:
I was a victim of identity theft XX/XX/2019 I have faxed the police report and conviction report numerous times to equifax and have that information on file as proof, even though equifax sent a report stating XXXX /XXXX XX/XX/2019 XXXX/XXXX   XX/XX/2019 XXXX XX/XX/2019 were removed XX/XX/2019 they are still on my credit report! I have called them NUMEROUS times to no avale! also XXXX/ XXXX   XXXX  XX/XX/2019 also made a hard inquiry even after i explained to them i had been a victim of identity theft and the representative assured me it would not show up on my report! after having worked tirelessly endless hours I am beyond completely Fed up!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: TX

Complaint narrative:
I had a checking account with the US Bank. A the end of this XXXX, I experienced a check forgery. When I sold my car, the guy who bought my car stole my check and counterfeit my signature and made himself {$2500.00}. When I checked my account on XX/XX/XXXX, I found the forgery check posted on my account, and then I reported to the US Bank immediately. On XX/XX/XXXX, the US Bank sent me some forms to file. I also reported it to the police office. 

I submitted the required documents by following the instructions of the US Bank. After that, I called the US Bank about every two weeks to check the status of my case. During this period, the US Bank did not contact at all. On XX/XX/XXXX, when I called them, they told me that they have finished the process of my claim, my claim has been denied, and they refused to reimburse me the {$2500.00}. 

At the same time, the police officer finished the investigation of the case. They found the criminal and obtained the original check, financial documents, and the video of the suspect depositing the check into his checking account as evident. So everything is clear. But the US Bank refused to take their responsibility to reimburse me the {$2500.00}. So I hope to complain the US Bank.

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 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I paid off XXXX XXXX my truck payment in full and they reported me 30 days delinquent. It was an error on XXXX XXXX and it was not removed from my report. I want it removed I never missed a payment and it ruined my credit. I am very upset and it is not fair. My next corse of action is suing XXXX which is expensive and I dont want to go through that. Please help. Thank you XXXX XXXX. 

XXXX reported me late 30 days and I had already paid the truck off. Completely ridiculous.

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 2019-06-03 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: MO

Complaint narrative:
I paid off XXXX XXXX my truck payment in full and they reported me 30 days delinquent. It was an error on XXXX XXXX and it was not removed from my report. I want it removed I never missed a payment and it ruined my credit. I am very upset and it is not fair. My next corse of action is suing XXXX which is expensive and I dont want to go through that. Please help. Thank you XXXX XXXX. 

XXXX reported me late 30 days and I had already paid the truck off. Completely ridiculous.

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 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I paid off XXXX XXXX my truck payment in full and they reported me 30 days delinquent. It was an error on XXXX XXXX and it was not removed from my report. I want it removed I never missed a payment and it ruined my credit. I am very upset and it is not fair. My next corse of action is suing XXXX which is expensive and I dont want to go through that. Please help. Thank you XXXX XXXX. 

XXXX reported me late 30 days and I had already paid the truck off. Completely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2019 American Express XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Demand and notice of intent to arbitrate Promotional Amex Offer for credit card account XXXX To Whom It May Concern : 1. On XX/XX/2019, I received an email ( Exhibit A ) from American Express ( the Bank ) which advertised various Amex Offers attached to my credit card ending in XXXX ( the Account ). One of these offers advertised 10 % back at XXXX. 

2. In response to the email, I made a {$200.00} purchase at XXXX with credit card XXXX on XX/XX/2019. The 10 % cash back did not post. 

3. On XX/XX/2019, I contacted customer service for assistance via chat ( Exhibit B ) and was advised by XXXX that I had already used this offer 5 months earlier on XX/XX/2019. XXXX refused to honor the recently advertised 10 % back offer. 

4. Please pay the advertised cash back in the amount of {$20.00}. 

5. Else this matter will proceed to arbitration with all costs borne by the Bank pursuant to the Cardmember Agreement which governs the Account. 


Sincerely, XXXX XXXX enc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I have tried several times via over the phone and via mail to have this issue solved as there were many inaccuracies regarding this account. Everytime I spoke with a representative from this agency, I was told they would be sending me letters with an updated balance, I was also told when I asked specific questions regarding validity of the account, that a representative would call me back. None of my calls were ever returned. There are different amounts owed and no validation has ever been provided to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: AZ

Complaint narrative:
My XXXX  XXXX Visa credit card account # XXXX is lost/stolen and all the charges/transactions on the account is fraudulent, unauthorized, not my charges and dont belong to me. This lost/stolen credit card account appears on my XXXX XXXX, Experian and XXXX credit report.

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 2019-06-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was a XXXX XXXX seeking student at XXXX XXXX University a few years back but abruptly was prevented from taking another course due to " not signing a letter that I accepted the private loan via Sallie Mae ''. When I signed up for the course I went online to to officially aquire student loans to attend XXXX  school. Then I received a letter from XXXX stating that I can not take any more courses until I pay {$2000.00} in cash and then I can reapply but when I tried contacting the bursar office they claimed that I should have received a letter in the mail that needed my signature to approve the loan. Well at the time, I was living at my parents home helping pay their mortgage because the home was under forclosure. My parents ended up losing their home but I still never received a letter from the XXXX Bursar stating that I needed a signature for the loan. Now I am seeing a creditor asking for {$3400.00} which another XXXX dollars added on to the original amount owed. Can you say price gouging? There is an epidemic of teachers and former college students that went through the very same situation. Can you say 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 explanation
Consumer complaint received 2019-06-03 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: AZ

Complaint narrative:
My XXXX/XXXX XXXX Visa credit card account # XXXX-XXXX-XXXX-XXXX is lost/stolen and all the charges/transactions on the account is fraudulent, unauthorized, not my charges and dont belong to me. This lost/stolen credit card account appears on my XXXX XXXX, XXXX and Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Still to date, while unders dispute with Equifax and XXXX XXXX  XXXX, Equifax has not marked XXXX XXXX XXXX as being under dispute on my credit profile ( documentation attached ). Equifax also allowed XXXX XXXX  XXXX to add additional negative comments to my credit profile, on XX/XX/2019, while currently under dispute. I reported to Equifax that, even after I updated my current address and telephone number to XXXX  XXXX XXXX, they still were using an incorrect mailing address and telephone number for me and therefore, XXXX XXXX XXXX did not contact me regarding any information that was placed on my credit account. I have also informed Equifax and XXXX XXXX XXXX   that my  identity was stolen and I provided legal documentation from the CFPB identity report and provided them by telephone with my current address and telephone number. Equifax sent me an email requesting that I provide them with proof of my current mailing address, even after I have already provided this info to them when my identity was stolen. However, I have attached proof of my address to this complaint. The information that XXXX XXXX XXXXXXXX has for me as far as my address, telephone number, and balance is incorrect. XXXX XXXX XXXX recently tried contacting me, on my correct number that they received through my recent dispute, XX/XX/XXXX, requesting that I call them and confirm that it was me that actually put in the dispute. I find this to be improper to call me and leave a message to confirm that it was me who put in the dispute with CFPB. I tried calling them several times and no one answered the number, nor did they return my call. I find it odd that XXXX XXXXXXXX XXXX would call me to confirm that it was me that put in the dispute when CFPB requires that you provide legal information when filing the dispute. And because they never called me back after I left them a message and tried calling several times, makes me think that it was fraudulent, or some kind of form of retaliation, or other non valid reason ; because after I confirmed it was me, through voicemail, who put in the complaint, they added additional negative comments to my credit report and Equifax allowed it, although they are under dispute. I was not returned a call from XXXX XXXX XXXX, after the person named XXXX, from the XXXX XXXX XXXX complaints department, stated that I must call them by a certain time. I still have the telephone message as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In contravention of the FCRA, XXXX began falsely reporting my account as delinquent to Equifax in XX/XX/2019 despite the account being paid off more than 2 years ago. The account 's current status is paid and should be reflected as such. It is not a current collection and it is not current late as being reported. 

XXXX is intentionally falsely reporting the current status in collection/charge off and as a current delinquency as of XX/XX/2019 so that it adversely affected my credit as a new charge off to drop my score. It is a deceitful and illegal response on the part of XXXX. Equifax can not seem to timely investigate and correct discrepancies that conflict with what the creditor has been reporting for years and when it diverges from what is updated ( i.e. if it's reported PAID in FULL/SETTLED 2 YEARS AGO, how can it be can currently IN COLLECTIONS and NEW DEGROGATORY INFO OF LATE AS OF XXXX OF THIS YEAR? )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: KY

Complaint narrative:
The credit reporting agencies are continuing to report inaccurate information on my credit file, accounts that are not mines, inwhich I'm holding them accountable for, for reporting un verified accounts. Accounts inwhich has not been physically verified by physical documentation but by electronic Verification alone, inwhich by law and as a general rule can not be accepted as proof .So I'm demanding that either these accounts be physical verified or block these accounts immediately. 

1 ) XXXX XXXX  2 ) XXXX  XXXX XXXX 3 ) XXXX XXXX  4 ) XXXX XXXX 5 ) XXXX XXXX {$8800.00} 6 ) Dept of Education {$4500.00} 7 ) Dept of Education {$3500.00} 8 ) Dept of Education {$2200.00} 9 ) Dept of Education {$2100.00} 10 ) Dept of Education {$2000.00} 11 ) Dept of Education {$1700.00} 12 ) Dept of Education {$1700.00} 13 ) Dept of Education {$1300.00} 14 ) Dept of Education {$1000.00} 15 ) Dept of Education {$1000.00}

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 non-monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Basically the seller was suppose to send me a XXXX  controller for the XXXX $ that was sent.I inquired about it and the seller blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
This was opened in XX/XX/2017. I have asked they agency to itemize the debt along with providing my signature to allow my medical provider permission to share my information with a third party. This is a HIPPA violation, and they agency has never been able to respond appropriately

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