vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-17 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: NC

Complaint narrative:
On XX/XX/2018 I sent Equifax a certified letter disputing a late payment reported in XX/XX/2018 on an account with XXXX XXXX XXXX. The certified letter was delivered on XX/XX/2018 ( delivery confirmation receipt attached ). In that letter I stated this was a formal dispute & requested validation, made pursuant to the Fair Debit Collection Practices Act & the Fair Credit Reporting Act, within 30 days of the receipt of the certified letter. 31 days after the date of delivery ( XX/XX/18 ), I obtained another copy of my credit report to ensure Equifax had added a notice of dispute on the account, which they had NOT. Equifax is in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and by not placing the disclosure within the REQUIRED 30-day period. I have sent Equifax a follow up letter stating the companys violation of federal law, by not properly marking the XXXX XXXX XXXX account with a proper notice of dispute within the required timeframe & that they now must remove the item from my credit file. FCRA 623 ( a ) ( 3 ) - Responsibilities of consumer reporting agencies of information [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
For the past 2 weeks I have been unable to use my Citibank Double rewards credit card. They only have 1 verification method and sadly other creditors have 3 or more ways achieveing verification. I have spoken 2 3 XXXX customer service reps including their fraud department. They have taken my account and blocked access for a 2week or longer investigation.

The dumb part is i can access the account via my mobile phone and citi app. However theres nothing that their customer service or fraud department " claims to be doing ''. It is gwtting to a point that im going to cut the card in half and need a credit card with american speaking customer reps that can tell a difference between fraud and a person purchasing breakfast and the prior charges in the account are from the same retailer..Ive been kind but if this doesnt resolve soon. I will rescind further payments and see if i can sue for the account mistakes. I was repeatedly asked by citibank reps if i had a checkings account with them and i dont, and never did. I only had a credit card and dont understand citibanks major malfunction ...

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 2018-09-17 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: WA

Complaint narrative:
Equifax has listed an inaccurate item on my credit file and I have requested on numerous occasions to have the item removed as soon as possible, yet it is still being reported inaccurately. Equifax sends a response stating that they have verified the account belongs to me and continues to report the inaccurate item. This inaccurate item ( listed below ) is affecting my credit score and livelihood. Both XXXX  and XXXX have deleted the same erroneous account from my credit file. 

Here is the erroneous account Equifax has listed. Please delete this immediately. 

1. XXXX XXXXXXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
ON XX/XX/XXXX at XXXX I contacted Capital One in regards to a balance if {$470.00} reporting on my XXXX , XXXX , and XXXX credit files, but my balance is {$350.00}. I spoke with a Representative Name : XXXX employee #  XXXX who stated I have to wait 30 days after I put my request in writing. I explained to her this is in accurate balance and its a violation of the FCRA to not update correct information referring to my account information. Also when I opened my Capital one Acct XX/XX/XXXX I was told after 5 months of on time payments I will get a credit increase. that did not happen I didn't get an increase until XX/XX/XXXX. I feel this company fail to be in compliance of what they write in fine print.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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:
I am a victim of identity theft. The following credit inquiry on my Experian credit report is fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX XXXX, XX/XX/2018 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 2018-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
A new auto loan was made on XX/XX/2015, ( I am the co-signer on the loan for my daughter ) The first payment was due on XX/XX/2015, that payment was made and since that time there has been 24 payments made all together. When she would make the payment at the local bank, she always asked if there was anything else she owed, and was always told no, the account was current and in good standing. A couple of weeks ago she was told she owed over {$200.00} in late fees and had to pay two months worth of payments.

She went in and paid {$200.00} in late fees and two payments totaling {$800.00}, even though she was not late and recieved no explanation as to why she owed this money.

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 2018-09-17 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: Kuber Financial, LLC
State: CA

Complaint narrative:
Ive contacted XXXX XXXX in regard my loan status and why payment hasnt posted. Ive checked my bank account and XXXX payment to cover XX/XX/XXXX didnt go through for unknown reasons. I received a notification from my credit report that a new account has been added to my credit file and posted as delinquent. So you know, my bank account hasnt changed and like I stated before, reasons why payment didnt go through are unknown to me. Please correct problem and update my account with credit reporting agencies because you're hurting my credit and score. That payment shouldve been deducted automatically from bank and it wasnt. 

I've also contacted XXXX XXXX several time after that first issue and payment has been set up for deduction, only never leaves my account. I guess there's an exiting problem with my account from XXXX XXXX 's end that prevents me from making payments or for them to take them out. 

Attached all communication about problem and how many times I tried to make payemnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was charged a fee. American Express charged me a XXXX. I added funds to meet the monthly requirements of XXXX dollars. The problem with the XXXX dollar limit that it does not allow me to add funds of XXXX dollars. It takes days in order to be allowed to deposit more funds into the account. I added fund on the XXXX at XXXX paciffic time when the American Express button had allowed me to add more funds. 
It is not fair that the button feature does not allow any more funding more than XXXX dollars. if the requirement is XXXX dollars per month to reload the account. American Express should not limit the amount to transfer funds to XXXX dollars only. currently the limited is only XXXX dollars to deposit into the account from another bank card. I have tried to ACH money from another account. American Express removed that option from the serve account. I can not get money from my school financial aid into this account because the card has been blocked. I have tried to reload at a XXXX my account is blocked according to XXXX stores I have tried multiple times to get reloads XXXX is not allowing reloads to this account at this time. I have no other option when it comes to funding this account other than reloading from another bank card. American Express should allow the account to be free with out fees if the account is being used and reloaded with in 90 days period of XXXX dollars. 
is that it monthyMy school is not able to add funds for financial aid because the card is blocked. I tried to reload at XXXX and it is blocked. American Express removed. 
My American Express account was charged a fee and requested that American Express customer serivce returns the dollar back to my account. The customer service service tried to return back the dollar charged to my account. The system was not able to return back the dollar charged. 
The XXXX dollar bank card transfer limit makes it complicated to be able to get a full deposit of XXXX dollars. American Express should allow the acception to be able to deposit with in a day more than XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: MD

Complaint narrative:
I have tried to dispute through TransUnion and but they do not delete errors or outdated info. They update wrong info and will not let me place freeze. Unless I Pay them. They pressure me into validating fraud incorrect and erroneous data to gain access to my file. Address from fraud included and closed accounts as opens and show zombie debt popping up after it had been up previously deleted!

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 2018-09-17 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX 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 2018-09-17 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: Conn's, Inc.
State: TX

Complaint narrative:
XXXX has been non-compliant with removing the unverified account CONN CREDIT CORP which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CONN CREDIT CORP 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 2018-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has refused to give me a copy of my Equifax report for over a year now. Also according to a background check Im listed as dead. There is also a spouse /guardian listed on my credit report there are incorrect names and addresses that I have never had. Security questions that are not real end to me. Which brings up red flags all of the issues that I have mentioned are on XXXX and I cant even get an online report from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX decided to do business with Citibank. Citibank decided to set up automatic annual XXXX membership renewal charges without my consent. Citibank took it upon themselves to charge the card {$120.00} for the annual XXXX membership fee. I wasn't aware of this. I got a letter in the mail telling me that my Citicard was closed due to non payment, and that I owed them {$220.00}. I called Citibank on XX/XX/18, and the rep told me that all he can do is waive one {$37.00} fee. I told him I would pay the {$120.00} that they took upon themselves to charge me, but that they needed to waive all of their fees and any other charges that they charged the account since it wasn't fair that they automatically signed me up for this Citibank card that I did not want, nor did I want to set up automatic payments for my XXXX membership to that card. The rep told me that unfortunately he could not waive any other additional fees except for that {$37.00}, and that I was responsible for paying the other charges to the account. I told him that I wanted to talk to someone that can take my complaint, or if he can provide me with an address so that I can write to Citibank regarding my complaint. The rep told me that he couldn't do that, but that he can have an account manager contact me regarding my complaint in 2 days. I told the rep that I was fine with that. It's been 7 days and I have yet to hear from anyone from Citibank. On XX/XX/18 I called in to pay the {$120.00} for the XXXX membership fee. Today XX/XX/18, I called in to check the balance on the account, and they told me that my balance was {$100.00}. This is ridiculous and I shouldn't have to pay Citibank 's fees.

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 2018-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
I filed bankruptcy which results in the note being canceled. After bankruptcy I noticed I have a new account number that says my loan had started completely over. At this point I started researching. Ive been in the house for 4 years, paying more money every month than my mortgage statement said I owe. How is it possible after bankruptcy I have a new loan number and my debt started over from the beginning. I DIDNT AUTHORIZE A NEW LOAN. If the loan started over why wasnt I reimbursed the money I had paid towards my loan for the past 4 years. 

I started questioning the servicer. The servicer did not answer any of my questions directly. 
I paid money towards a modification and the servicer claimed they lost my documents so I had missed the deadline. I sent the documents over 3 times. I have files to prove my claims. 

I am aware that a promissory note is equivalent to cash value once signed. I am aware that value has to be given to secure rights that are set forth in the mortgage contract and no value was given in this case. 

I am aware that without the original note the mortgage contract is null and void because both instruments are required by law to lawfully foreclose on the mortgage contract. 
I am aware that UCC 3-501 requires a servicer to show authority to make a demand for payment. If the servicer will not exhibit the note or perform other legal requirements when requested to do so by borrower, the borrower is allowed to discontinue payments without dishonor until such time as the note holder or servicer complies with ALL laws or contract provisions.

I am aware UCC 9-203 ( b ) defines attachment and enforceability and in order for the security interest to attach the collateral value must be given. 

I have contacted the servicer via mail with a certified QWR several times without proper correspondence. 

I need CFPB to help me get the answers I seek before this servicer attempta to foreclose on my mortgage illegally and evict me from my property unlawfully so that they can file an insurance claim on a debt that was never valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Over the course of 14 years, Wells Fargo caused financial harm to my family and I by aggressively inflating mortgage insurance, cutting a side deal with insurance carriers, and over charging my account for lender placed mortgage insurance and fees. The market place value for the insurance coverage is significantly less than what I paid while the coverage is skimpy. Additionally, the lender entered into a settlement for their egregious unlaw practice and failed to include my family and I in the settlement.

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 2018-09-17 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 — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I got a car loan with Santander consumer USA with a high interest rate of 24 %, because I want to improve my credit score. Since I got the loan in XX/XX/2018 I always made my payments on time, but they won't report it to the credit bureaus unless I request an investigation from XXXX bureau. I spook many time with Santander consumer USA customer, but they won't fix it, and report each month. I don't know how should I get my credit score improved if they don't report to the bureaus. I pleased you to help me out with this, becasue I don't know what to do anymore thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: MO

Complaint narrative:
Mailed in police report to equifax and all other supporting documents and they did not update my credit report. And my credit score and report has not changed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 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: GA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account Bankruptcy DISMSD/CLSD   XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy DISMSD/CLSD CHXXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax 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 2018-09-17 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: GA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account Bankruptcy DISMSD/CLSD XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy DISMSD/CLSD XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax 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 2018-09-17 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: MO

Complaint narrative:
Mailed in police report to XXXX and all other supporting documents and they did not update my credit report. And my credit score and report has not changed

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 2018-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
This company is reporting a fraudulent collection on my report. I had XXXX umber my husband while he was in he XXXX. XXXX has already paid the bill, but this company sent It off to collections. They have sent me a letter stating the balance is already paid, and still have not removed It. Under the fair credit reporting act this is illegal and must be removed immediately. I have already submitted disputes multiple times with no results.

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