vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
There are SEVERAL issues with my equifax report. I have been trying to resolve these issues for years and nothing has been fixed. 
# 1. Phone, address, etc not updated for several years. I have mailed and spoke to them about this several times. Each time I have been told it was fixed. I do n't find out otherwise until one of my accounts gets closed or I get denied due to info not matching # 2 : listed account-XXXX XXXX is WAY out of date. It has not been updated since XXXX. This is huge bc since then I have not had any late payments and the account is open in good standing. Due to that out of date info and othet issues, my XXXX score is continously going down and affecting my CURRENT CL. 
# 3 : SEVERAL accounts are missing. These not only provide more open accounts on my report but it ups my limit, reduces my utilization, affects my open account history etc etc. 
# 4 : I have been unable to get my reports / score from equifax for several years. I keep calling and doing their processes over and over. Nothing. 


All of these things combined are having a serious affect of my life. I am constantly getting declined bc of equifax and my current credit is being affected. I HAVE TO GET THIS FIXED AND CORRECT INFO SENT TO ALL RECENT INQUIRIES!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I recently logged on to Equifax for my annual free credit bureau report due to the recent security breach. 

First of all, I previously placed a customer statement on my file. I stated that I am an identity theft victim and to contact me directly prior to issuing credit. In addition, I requested that my social security number and driver 's license be required in order to extend credit in my name. This statement is no longer on my credit bureau. I never removed it. 

Second of all, they are still reflecting an unpaid tax lien on my credit bureau report. I have repeatedly provided them with the documentation to show it was paid. Moreover, it is not reporting on my XXXX report and XXXX reflects it is paid. I am providing a copy of my XXXX  report for your records. If these two credit bureau reporting agencies can manage to get it right, Equifax should be able to get it right. Good grief. 

This is probably the 3rd or 4th time I 've needed to report Equifax in the last several years for these types of problems. It is getting old. Please intervene and require them to update my report to show it is paid and to place my consumer statement back on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
If these advocacy would just get out of my way I could pay but they keep putting their nose in the way, us bank that is ... It dose feel like being XXXX in both feet.. 
This is the only way they listen to any 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 explanation
Consumer complaint received 2017-09-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The following information is in response to a charge dated on XX/XX/XXXX on my American Express card in the amount of {$2000.00}. This charge was processed with intent to defraud and processed by another unknown corporation. The services purchased were from XXXX XXXX XXXX, XXXX, XXXX XXXX and services were never provided. The company who charged our American Express card, I have never heard or done business with - XXXX XXXX. I have attempted to chargeback with American Express but the merchant provided fraudulent information to American Express and the dispute was denied and closed. 

On XX/XX/XXXX - XXXX XXXX responded to my inquiry and emailed me from the domain email address 'XXXXXXXXXXXX ' and provided me with information regarding credit services. Please take notice at the bottom of his email, it also states ; " To Stop Receiving these E-Mails, please Unsubscribe by clicking the Link below : XXXX XXXX XXXX XXXX XXXX XXXX ' A copy of the email is attached - exhibit 1 XXXX XXXX XXXX is the corporation that owns and operates XXXX based on their own website Terms of Use. 

A copy of the website - Terms of Use webpage is attached - exhibit 2 On XX/XX/XXXX - Email containing copies of American Express were sent to XXXXXXXXXXXX. 

A copy of the email is attached - exhibit 3 On XX/XX/XXXX Email sent to XXXXXXXXXXXX regarding no response for over a month after the original purchase date. 

A copy of the email is attached exhibit 4 The agreement and purchase was only with XXXX, owned and operated by XXXX XXXX XXXXXXXX XXXX based on their own website address and XXXX Terms of Use. Services were never provided. 

My American Express was charged by XXXX XXXX which is apparently an entirely separate corporation. No authorization was issued and no representation was ever made authorizing payment to XXXX XXXX. Im disputing the entire {$2000.00} charge and requesting the CFPB to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation
State: VA

Complaint narrative:
This is against global credit collection corp I have seen where they are scammers and been in law suits i hsvent read anything good about em they collect for XXXX XXXX when I read all the complaints I hate I gave them information agread to the payment they wanted me to pay well now they have had me over drawed twice one time it was XXXX then XXXX when I called them to explain I 'm was sorry the money was n't there I had unexpected bills they knew I was on a fixed income they should have took it out sooner they wanted to know if I could pay how could I when I had no money in the bank telling me they would report this they have been call-in and call-in and I have never heard of s collection agent taking XXXX out every time for the draft where and who was that goin to I have never had that happen charge everytime they set what they want u to pay not what u can afford they should work with u I have health problems I do n't need to be harrised by call-in it 's XXXX owed to them they have got enough out of me that I 've paid I wish this could be written off I hope this get resolved and they do n't start by threating me they are doin this or that and I 'm worried will they keep taking money out when it 's none there until I get paid again it 's not my fault if I have to pay they need to work with me and understand I 'm afraid could they freeze my checking account until they get there money if u all could help with this it would help me out I also told them to stop taking money out cause they was over draw in me thank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I recently ordered my annual free credit bureau report from Experian. 

Because I am a previous identity theft victim, I have placed credit freezes on all of my credit bureaus for a charge of {$5.00} per bureau. When I ordered my bureau from Experian, a message came up that implies my credit bureau is not frozen, although I have proof in the form of a credit card charge that the freeze was lifted for about a week in XXXX and then placed back on the account. This is because we applied for a new HELOC loan. 

At no time while I ordered the free credit bureau report did the company ask me to pay {$5.00} to unlock my bureau. They also never required me to provide a pin number. When reviewing my bureau, no where did I find a notification stating my bureau is on a freeze. It clearly states this on my other credit bureau report. If my bureau has been unfrozen despite paying for the fee, I will be absolutely furious. I am attaching a screen print of the message from Experian when I ordered my credit bureau 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 explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
When my 3 years lease with Nissan Leaf was ending, I contact Nissan Motor Acceptance corp, for end of lease instructions, they mentioned Extension of lease with first three payments waiver and 2018 leaf offer as and when available. This is fradulent and they reported to credit bureaus for 60 days late payment. This is giving my immense hardship.Every day I am suffering from negative credit report as I am not able to apply for any loan or credit checks. They offer payment waiver and misguided consumer not considering the Agreement. I am seeking help. I contacted multiple times. There is no information or details about 2018 Leaf, it has been almost 5 months in extension of lease. I am seeking help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
when i bought this vehicle and good a loan from crystler capital I paid for GAP insurance and that means that the loan would be paid off if something ever happened to the vehicle. and it was totaL LOSS ON XX/XX/XXXX 2016 no regular insurance I have GAP insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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: GA

Complaint narrative:
I sent a HIPAA Validation letter to XXXX XXXX on XX/XX/XXXX it was certified mail and it was received on XX/XX/XXXX this agency has reported a medical debt of {$800.00} for a service date of XX/XX/XXXX this is what is reported on my Experian credit report. I waited 30 days for a response from this creditor and I never received one. On XX/XX/XXXX I sent a dispute letter to Experian informing them that I had sent a HIPAA Validation letter to the above creditor. In this letter I questioned Experian 's reporting of this medical bill on my report as verified since I reached out to the creditor and I have never received a medical bill from them. I requested that Experian remove the negative reporting as proper validation, verification or a bill was ever received by me, I still do not and have not received a medical bill from this creditor. I received a letter from Experian dated XX/XX/XXXX in regards to this medical debt stating that they have processed my dispute and the credit grantor has verified its accuracy. However, Experian did not provide me with proof of such verification. Please find attached below a copy of the certified mail receipt as well as the original letter I sent the credit grantor in regards to this debt

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 2017-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CO

Complaint narrative:
I have a debt on my credit report that is not my debt. I do not know who they are, who they represent,, name has changed twice. They continued to ding my XXXX Report. I have filed a complaint with BBB ; complaint XXXX Submitted on X/XX/2017. Complaint against XXXX XXXX XXXX, XXXX Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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: MO

Complaint narrative:
i recently check my credit report and saw my citi credit card ending in XXXX has been reporting past due look at the information ACCOUNT DETAILS I HAVE NOT BEEN RECEIVING MY STATEMENTS BY MAIL FOR MY CITI PRESTIGE AND CITI SIMPLICITY Account Name CITI Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 30 days two times Status Updated XX/XX/XXXX Balance {$6000.00} Balance Updated XX/XX/XXXX Credit Limit {$6500.00} Monthly Payment {$90.00} Past Due Amount {$180.00} Highest Balance {$6500.00} Terms Revolving Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Our Top Pick for you. 


The Platinum Card from XXXX XXXX Apply Now Learn More See More Credit Cards Advertiser Disclosure Is everything correct? 

Be sure to review your Credit Report for any unfamiliar information. If you find inaccurate information, you can either dispute the information online or via postal mail. 

View Our Disputes Guide CREDIT USAGE 93 % High Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit. 
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX OK XXXX OK XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-09-16 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: MO

Complaint narrative:
i recently check my credit report and saw my XXXX credit card ending in XXXX has been reporting past due look at the information ACCOUNT DETAILS I HAVE NOT BEEN RECEIVING MY STATEMENTS BY MAIL FOR MY XXXX XXXX AND XXXX XXXX Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XXXX XXXX, XXXX Account Status Open Payment Status Past due 30 days two times Status Updated XXXX XXXX, XXXX Balance {$6000.00} Balance Updated XXXX XXXX, XXXX Credit Limit {$6500.00} Monthly Payment {$90.00} Past Due Amount {$180.00} Highest Balance {$6500.00} Terms Revolving Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Our Top Pick for you. 


The Platinum Card from XXXX XXXX Apply Now Learn More See More Credit Cards Advertiser Disclosure Is everything correct? 

Be sure to review your Credit Report for any unfamiliar information. If you find inaccurate information, you can either dispute the information online or via postal mail. 

View Our Disputes Guide CREDIT USAGE 93 % High Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit. 
CONTACT INFORMATION XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX BYMAILONLY PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX OK XXXX OK XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
WHEN I APPLIED FOR THE LOAN I TOLD THE LOAN REPRESENTATIVE THAT I GOT PAID EVERY OTHER FRIDAY. I WAS NOT EXPECTING HER TO MAKE THE REPAYMENT CONTRACT FOR PAYMENTS DUE EVERY OTHER THURSDAY. SHE DELIBERATELY MADE THE CONTRACT FOR EVERY OTHER THURSDAY. I TRIED TO GET THE COMPANY TO CHANGE MY DUE DATE TO EVERY OTHER FRIDAY AND THEY TOLD ME THEY COULD N'T CHANGE IT. THEY SAID I WOULD BE CHARGED EXTRA INTEREST EVERY TIME THE DUE DATE NEEDED TO BE CHANGED. THEY SAID I WOULD HAVE TO CALL IN EVERY OTHER WEEK TO REQUEST A PAYDATE CHANGE. I WAS BLINDSIDED BY THIS EXTRA INTEREST THAT I FEEL THAT I SHOULD NOT HAVE TO PAY DUE TO THE FACT THE THE LOAN WAS BASED ON FRAUDULENT/INCORRECT/DELIBERATELY FALSE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
hello I 'm filing a complaint on company of citi a credit card company. three months back they gave me letter stating fraud took its place so they froze my account. the company wo n't activate my credit card and my account. 


so out of those three months I try to fix the problem butt the  workers in the manager who works for the company keep on giving me a run-around.I did n't contact the credit card company to use dear servicet they came to me.so now they want me to pay a credit card balance a balance that I did n't do. 
I answer all the security questions they ask me.and tell him I 'm dealing with another bank and they still wo n't activate my account.the company 's keep on telling me I 'm dealing with two agencies

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 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
My data has been compromised through the Equifax Security Breach. This release of information will results in life long issues for me that may compromise my financial security. To date Equifax has not made any attempt to contact me or relay the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal are holding XXXX for 180 days as they say I violated thier terms of use. I really need this money to feed my family how can I get it back?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that  I have disputed. Please resolve this matter as soon as possible. Thank you. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Please resolve this issue as soon as possible, thank you. ''

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