vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I CALLED MIDLAND FUNDING ON SEVERAL CALLS AND GOT DISCONNECTED.WHEN SPEAKING TO THEM THEY GAVE ME A TOTAL THAT WAS DOUBLE THE ACTUAL AMOUNT OWE. I ALSO ASK THEM TO SETTLE AND THEY SAID NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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:
Equifax regardless of previous CFPB disputes continues to intentionally violate DODD- FRANK AND THE F.C.R.A. with lawless, illegal behavior as if there was no policing or law enforcement regarding their behavior. 
PROOF -- -- -- on my bureau XXXX XXXX  HAS A CORRECT DOFD OF XX/XX/2015 Equifax has permitted and conspired with the creditor in BY REAGING THE ACCOUNT by about 4 years costing me over 100 XXXX score points and ruining, fraudulently, my XXXX plus good credit rating to XXXX. 
Equifax has done this multiple times regardless of the law..Equifax was required to act regardless of the creditor 's input.It is obvious to anyone who understands credit that a 30 day late in XX/XX/2015 led to a charge off in XX/XX/2015per legal requirements.This " error '' is intentional not negligent on the part of Equifax.In this case, they can not EVADE RESPONSIBILITY by claiming to be a repository.BEING A REPOSITORY COMES WITH RESPONSIBILITIES to avoid unfair practices of DODD- FRANK and REAGING spelled out in the F.C.R.A. 
CFPB SHOULD LEVY AND PROSECUTE EQUIFAX FOR THIS PATTERN AND PRACTICE OF VIOLATING THEIR BIG 3 STEWARDSHIP.

EQUIFAX SHOULD DELETE THIS ACCOUNT WITHIN 24 HOURS OF RECEIPT ; However, I will likely sue for damage sustained thus far.IT 'S A BLACK LETTER LAW VIOLATION ON THE PART OF EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: MI

Complaint narrative:
I have had a direct express card as long as I have been collecting XXXX social security. I was in an unfortunate situation last year, I was living in a XXXX house trying to get my life on track and I made a stupid mistake and got XXXX while out for the day while living at XXXX XXXX  in XXXX XXXX, MI. Well, at the time I was XXXX   my wallet was in my vehicle and a guy that was with me was named XXXX XXXX, I told him to drive my vehicle back to the house for my father to pick up at a later date. Not even realizing my wallet was still in the vehicle. Well I was XXXX XX/XX/2018. That day I was XXXX XXXXnd my benefits were suppose to be stopped, well they were not. This gentleman managed to access my account ( because my card was in my wallet and there WAS NO CHIPS IN DEBIT CARDS THEN SO THEY CAN BE RUN AS CREDIT AND JUST SIGN A BOGUS SIGNATURE AND IT GOES THROUGH '' I get out of XXXX XX/XX/2018 I was in XXXX for this entire period of time with NO ACCESS WHATSOEVER to my debit card. I was released from XXXX AND THERE WAS A LOCKOUT OF MY DEBIT CARD from my individual phone it links it to my card, so I only have to enter the last four digits from my number if its anyone elses number I have to input the entire card number or my social security number SO WHEN I GET OUT I CALLED TO CHECK TO SEE IF I HAD ANY GAS MONEY BECAUSE I THOUGHT MY BENEFITS WERE TURNED OFF. My social security card was in my wallet. When i was released I should have had an entire payment from social security on there, it was not there in fact I found out while I was literally locked up, my card was being used all over XXXX  michigan, successfully might I add and my account was drained. Ive had them investigate this and they must not know their own loopholes because I believe with my social security number he was able to access my account and change my pin OR ran it as a credit and only had to provide a signature that does NOT have to match mine. NOW NOT ONLY DID I GET THIS MONEY ILLEGALLY STOLEN FROM ME, SOCIAL SECURITY IS DEMANDING AND RECIEVING PAYMENTS EVERY MONTH FOR THIS MONEY THAT THEY SHOULD NOT HAVE PAID ME IN THE FIRST PLACE BECAUSE I WAS XXXX. THIS IS AN UNJUSTICE I HAVE ALMOST PAID THE FULL AMOUNT BACK BUT I NOW HAVE BEEN SHORTED ALMOST XXXX DOLLARS OFF EACH OF MY CHECKS FOR THE PAST FEW MONTHS. I AM URGENTLY HOPING THIS IS FIXED, THE AMOUNT IS FOR OVER XXXX I REALLY NEED THAT MONEY BACK NOT ONLY DID IT GET STOLEN OFF MY CARD BUT NOW IM PAYING IT BACK. PLEASE CONTACT ME XXXX AND MY PHONE NUMBER IS XXXX THE GENTLEMAN THAT USED MY CARDS NAME IS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The Case number with Capital One is : XXXX opened a Capital One credit card about a year ago and earned rewards on that. About a year after the account was opened, and when I tried to use the reward, the bank blocked my account and requested Government-issued ID, Utility bills, and Social Security. cards to be submitted in order to verify my identity. I first submitted my XXXX XXXX ( XXXX XXXX XXXX XXXX ), my utility bills, and my SS card. They came back and said that they do not accept XXXX XXXX and want me to send Driver 's license or state-issued ID. I sent it in and was told that my state ID ( Driver 's license ) expired and they can't accept it. I told them that my state ID is in the process of renewal and they insisted that " they only consider state ID as a government ID ''. I've been trying to contact them and see if there's alternative form of ID they accept but they refused to take any ID except the renewed " State '' Driver 's license. 

I don't know why a " Federal Government-issued ID ( XXXX XXXX XXXX  ) '' is not a valid Government ID and I feel that the bank is intentionally giving consumer a hard time when they tried to redeem rewards. These all happened when I began to use the reward. I've used the card for a few months and when it nears the renewal time for annual fee and I tried to use the rewards, they blocked the account and making consumer inaccessible to the rewards. 

Moreover, when I agreed to the card agreement, there's no clauses mentioning that only people have " State-issued ID '' can use the account or be a client of Capital One. I think that they have no reason to request and accept ONLY the state-ID. I proposed many other forms of ID ( Passport, Social benefit card, etc ) and they said no. They just want the current State ID, which I I believe violates the agreement, or at least was not something that fully disclosed to consumers. I believe that they are using the ID verification as a burden for people to use the reward, and by limiting only one type of ID being accepted, the people who do not have or do not want to obtain state-ID or do not want to pay to apply for state-ID is discriminated in some ways. The Federal ID is more widely accepted than state ID in any occasions nationwide. By restricting this, they can easily forfeited consumers ' rewards or making the reward inaccessible without any justifiable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
TDAF is reporting a debt on my file, and I no longer owe it. This debt is not only really old, it's past the statute in California. I am requesting this debt to be removed off of my credit file. I no longer owe this debt under statute laws, and should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
this debt was illegally reaged and this debt should not be owed as it was supposed to be sent to insurance and it is the subject of an open litigation case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX is reporting a debt on my file, and I no longer owe it. This debt is not only really old, it's past the statute in California. I am requesting this debt to be removed off of my credit file. I no longer owe this debt under statute laws, and should not be reported.

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 2020-01-10 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: UT

Complaint narrative:
XXXX is reporting a debt on my file, and I no longer owe it. This debt is not only really old, it's past the statute in California. I am requesting this debt to be removed off of my credit file. I no longer owe this debt under statute laws, and should not be reported.

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 2020-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT FROM XX/XX/2019 ON MY XXXX ACCOUNT. I'VE HAD A FEW MINOR HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT.

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 2020-01-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT FROM XX/XX/2019 ON MY XXXX ACCOUNT. I'VE HAD A FEW MINOR HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NC

Complaint narrative:
I had previously opened a complaint about this with Complaint ID : XXXX, however it has still never been fully resolved. 

I consolidated my federal student loans in summer of XXXX and was originally with XXXX XXXX using Income base repayment. My loan payments then switched to XXXX with IBR and now my loans are with FedLoan Servicing with IBR as of XXXX. I am trying to get a correct count on the payments that are eligible towards the Public Service Loan Forgiveness. I have submitted paperwork for the time I was employed from XXXX, all of which are eligible for PSLF. However, FedLoans is not counting all of the prior payments under XXXX or XXXX XXXX. I need help in having FedLoans acknowledge my prior payments as PSLF eligible. I have records of my payments with XXXX. However, I did not print out hardcopies or save files of my payments from XXXX and now I can no longer access their website. 

Per Fedloans, they are note accepting any of my payments from XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX, due to their interpretation of the payments being " not timely. '' Per their response, a payment must be received no earlier than 30 days prior to the due date and no later than 15 days after the due date in order to qualify for the PSLF program. However, during this time, the payment due was {$0.00}. Therefore, I should receive credit for these months of payment. 

I would like to obtain a month by month account of what was due and what was paid, in order to understand fully how FedLoans is  calculating my payments counting towards PSLF. 

Any and all help would be greatly appreciated. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 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: HI

Complaint narrative:
Dispute filed XX/XX/XXXX. Received update on dispute XX/XX/XXXX. Dispute investigation verified the information I was disputing as inaccurate ( two accounts belonging to someone else listed on my report ). I called the bank who holds these accounts, and they have no record of me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
To whom it may concern, over 6 months I have provide a notarized affidavit, police report, and letter telling the creditors that this account does belong. No picture ID or no signature can associate me with this account. They have not provide any investigative results ; they closed the account on my credit report, but still reporting late payments 30 ; 60 ; 90 ; 150 days on my credit report as if it is still active. I am in the process in suing for defamation of character, but I wanted to show the  courts that I had exhausted and documented all my actions to resolve this fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: UT

Complaint narrative:
Walmart is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitation in California. I request this account to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitation in California. I request this account to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: PA

Complaint narrative:
Stuff on there multiple time and should of only went back 7 years and stuff is coming up from 13 years ago that's keeping me from the job

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/19, XXXX  XXXX charged me a {$100.00} pet fee for bringing my dog into the airplane cabin during my flight from XXXX to XXXX, XXXX. 

The Bank of America Premium Rewards Credit Card advertises a benefit called a {$100.00} Airline Incidental Statement Credit for purchases such as airline incidentals. There is no exclusion on airline incidentals being limited to certain items on the BofA website, as it uses the term of art such as to only provide examples of airline incidentals ( not limit them to specific items ). 

When we requested the Airline Incidental credit for the pet fee, Bank of America denied it because they said this was like a pet needing its own airline ticket to travel, and tickets are not incidental fees. This is not true. XXXX XXXX own website calls it a {$100.00} pet fee. We do not control how or what the airline reports, and BofA said certain airlines are excluded from the Airline Incidental credit. This is fraudulent and misleading on Bank of Americas part to promise a benefit to customers and then retract it by claiming a pet fee is a separate ticket, or that all of a sudden, XXXX  XXXX is not eligible because of the way Airline Incidentals are coded. 

I dont think BofA should be allowed to post fraudulent and misleading information on its website promising an Airline Incidental Statement Credit when they do not honor a common sense interpretation of a pet fee traveling with an airline passenger to be a fee incidental to airline travel.

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 2020-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitation in California. I request this account to be removed off of my credit file.

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 2020-01-10 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: UT

Complaint narrative:
XXXX is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitation in California. I request this account to be removed off of my credit file.

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 2020-01-10 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: CO

Complaint narrative:
I have been trying to call Experian credit for months and they just say go to the online Experian.com. You do not get to talk to a customer service person about anything. Not everything can be done on line we need a contact number to a real person not told to go to the online app please help us.

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 2020-01-10 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To whom it may concern, over 6 months I have provide a notarized affidavit, police report, and letter telling the creditors that this account does belong. No picture ID or no signature can associate me with this account. They have not provide any investigative results ; they closed the account on my credit report, but still reporting late payments 30 ; 60 ; 90 ; 150 days on my credit report as if it is still active. I am in the process in suing for defamation of character, but I wanted to show the courts that I had exhausted and documented all my actions to resolve this fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: NM

Complaint narrative:
I had a past due payment on a student loan I co-signed on with my now ex-spouse. My ex-spouse was in bankruptcy, did not inform me she has stopped making the payments, and the bank ( XXXX XXXX ) also sent no notifications. I was only made aware by a drop in my credit score. 

I immediately contacted XXXX XXXX, brought the account current, and paid the loan off in full. I raised a dispute on the reporting to credit bureaus as I was not notified of the outstanding loan. 

XXXX XXXX refused the dispute and would not remove the adverse report. I then disputed the issue with each of the three credit bureaus. 

XXXX and XXXX removed the 30 day late mark and updated my report to indicate good status and the loan paid off. 

Experian will not remove the 30 day past due indication. I have been unable to contact Experian further on the matter. 

I only want to have the adverse 30 day past due mark on my Experian report removed, as I had no indications of an issue with the loan. Since XXXX and XXXX have agreed to this, it seems reasonable that Experian would, but they will not discuss the matter ; XXXX XXXX also will not allow follow-up discussion with the dispute.

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