vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: VA

Complaint narrative:
Constant phone calls early in the morning almost every day, I have reported the company multiple times to the XXXX I have also disputed the company due to the excessive phone calls. I have been told on multiple occasions that they would continue to report this account to the credit bureaus and my score will be lowered. I am in a income driven plan status and I have still been getting phone calls when we are in a life crisis right now due to Covid 19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: NV

Complaint narrative:
Sent General Revenue Corporation a request validation of alleged debt they reported on my credit report on XX/XX/2021 tracking shows they received my request on XX/XX/2021 it is now XX/XX/2021 30 days after them receiving my request and I have not received a reply from General Revenue Corporation validating this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion and the other Credit Reporting Agencies continue to allow old expired disputed and deleted information to reappear with the most bare information available. 

TransUnion is reporting XXXX XXXX  Account number XXXX as an Open Account Opened XX/XX/XXXX with a balance of {$270.00}. 

TransUnion either knows or should know that XXXX XXXX Account number XXXX Date of first Delinquency was XXXX of XXXX. 

TransUnion 's gross neglect is costing me 28 points on my FICO score and ensuring that the expired debt will continue to appear on my credit report well after it is allowed to. 

The last round of disputes TransUnion address was less than 6 months ago ... How do I build generational wealth if TransUnion is allowed to Vandalize my credit report with impunity? 

I'm a single mother of a XXXX year old, I just want to buy a house to leave more then what was left for me ... seriously at what point does this get old?

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 2021-03-17 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Wonderful Experian once again has XXXX  with my credit file and I can not access it online! Anytime I go to access my credit report from Experian it immediately kicks me out saying I can not do it and I need to submit a written request, Experian has XXXX with me for many many years to the point where I let them know how unacceptable it was so what did Experian do? They placed me on a write in only status because I was XXXX off when they kept making mistakes and excuses? Over and over and over and over and BLOCKED my number. This is absolutely ridiculous and highly illegal. I have every single right to view my credit file online at my leisure as well call in when I wish, but NOOOOO Experian wants to break the law and block me from seeing my file!!! FIX THIS AND GIVE ME ACCESS TO MY CREDIT REPORT ONLINE!!!!!!!!!! 


DO NOT SEND ME A CREDIT REPORT IN THE MAIL!!!!!!!!!!!!!!!!!!!!!! 

FOR SECURITY AND PRIVACY PURPOSES I DO NOT WANT MY CREDIT REPORT BEING MAILED!!!! 

I WANT ACCESS ONLINE!!!!!!! 

I have filed countless complaints against this company in regards to this exact same issue and every time they fix it for 5 seconds then it goes back to that same exact 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 2021-03-17 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Around XX/XX/21, I observed fraudulent charges on both my chase freedom and chase slate credit cards. I immediately contacted customer service, who informed me that my credit card had been denied at one merchant retail store, that the thief had attempted to impersonate me but had failed the security questions, and that they had called to inform the representative of a pending large balance. Throughout this, I was not contacted. The purchases were made the week of XXXX. 

The fraud was investigated and although some of the fraudulently used credit was refunded, I was Informed that due to the card having a chip, I was responsible for its usage. I explained that although I had requested new credit cards, I had never received them. I was then informed that my chase Slate card ( which has not been used for YEARS as it is an emergency card ) has been activated before the purchases, indicating to the investigating team that it was in my possession. I was then asked if anybody had access to my card, again, I said no. 

This experience has been frustrating as there was a clear attempt at identity theft and chase did not contact me or freeze any accounts for my security. Furthermore, the fact that I informed them of the fraud and have had to endure questioning which implies that I was somehow culpable for identity theft made an already difficult situation worse. I do not feel the representative was attempting to resolve the issue but was instead attempting to pursuance me of some sort of guilt. Additionally, I have been a chase customer for 11 years and carry various accounts, including my retirement, and have never experienced identity fraud, nor have I asked for assistance from chase in this matter, to receive minimal support during already stressful times is disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a Capital One CC by way of Walmart. Walmart transferred all of their CC accounts to Capitol One. I requested a lower interest rate on XX/XX/2021 with their Customer Service Department. I also requested to pay off my Capital One account using a CC that had a lower interest rate.I was trying to transfer my remaining balance to a Iower interest rate card.I was told that I could not get a lower interest rate or pay with a different Credit Card. I asked the representative why she stated " Our System it's set up for that ''. I repeated back to the Representative " you won't lower my interest rate, I can't pay with another card I asked is that what you're saying. The Representative said " yes ''. I'm trying to clear off my balance with Capitol One because I can't keep up with the interest. My credit score is XXXX, I pay my bills. What can I do as a consumer regarding this company 's practice? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Management Group, LLC
State: NV

Complaint narrative:
Sent a request to validate debt to Arc Management group on XX/XX/2021. Tracking shows they received my request XX/XX/2021. Did receive response from Arc Management until XX/XX/2021, and the letter they sent me contained nothing but them saying " they are not required to keep detailed files of the alleged debt '' this provides no proof of debt and proves nothing of the alleged debt. I would like this removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I started the lease with Southeast Toyota in XX/XX/XXXX - XXXX XXXX XXXX XXXX - 3 yrs, XXXX miles per year - I paid for XXXX of excess damage insurance with the dealer at the time of the purchase I paid every payment on time and returned the car in XX/XX/XXXX - The car had XXXX miles on the odometer when returned - The car had 2 hair line scratches aprox 1 inch length Southeast Toyota Finance sent me a bill of {$1100.00} for - {$800.00} for excessive miles - {$320.00} Excessive Wear I called Southeast Toyota and their response was - We show no record of your excess damage insurance - We have no idea what the miles allowed for your original lease was

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 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: CA

Complaint narrative:
There are 4 accounts on my credit report that do not belong to me they are not mine I have not approved or signed for these. I have tried to reach out to the bureaus but they will not help me out. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not 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 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 4 accounts on my credit report that do not belong to me they are not mine I have not approved or signed for these. I have tried to reach out to the bureaus but they will not help me out. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not 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 2021-03-17 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: CA

Complaint narrative:
There are 4 accounts on my credit report that do not belong to me they are not mine I have not approved or signed for these. I have tried to reach out to the bureaus but they will not help me out. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NY

Complaint narrative:
My discover account was disabled because discover was doing an IRS check to verify my information so I couldn't access my account to pay my bills online. After two-three months they got their report back and I called to fix the login issue so I could pay the balance off my cards. I paid the balance off but because I was unable to access my account and pay the bill discover put my payment as late for like two months. I called them yesterday and they said that even though I was locked out I could have made the payment over the phone or letter. I have paperless banking and all my info is on the discover app. So by not letting me have access to the app, I couldn't pay. I made this case but they said it's my fault and not theirs that my payment was not made. I do not understand how but this doesn't make sense because they locked my account because they had their investigation. I could not see my balances and I had no access to my information yet they blame me for their mishandling of the situation. Now my credit score is drastically lowered and another credit lender closed one of my accounts because of this. Please help. 





I couldn't access my account to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: CA

Complaint narrative:
There are three accounts on my credit report that do not belong to me all three bureaus have these accounts on them. I have sent them multiple letters to no avail I need to know why this is not being taken care of. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry

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 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi closed my credit card account without warning. When I used their chat feature to ask why, they said I needed to call in. When I called in, they refused to tell me why my account was closed outside of a letter they sent me. That letter was not available online and they have my old address, so its possible I may not get the letter. This hurt my credit as well.

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 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are three accounts on my credit report that do not belong to me all three bureaus have these accounts on them. I have sent them multiple letters to no avail I need to know why this is not being taken care of. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry

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 2021-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have attempted to dispute my charged-off XXXX XXXX XXXX credit card account ( account number begins with XXXX and ends with XXXX ), as this account is now paid in full with a XXXX  dollar balance, as of XX/XX/2021. The credit bureaus dispute website will not allow me to file a dispute for this account and it gives no such reason why Im unable to file a dispute for the XXXX XXXX account, so that the account is updated on my credit file to reflect paid in full and a XXXX dollar balance. I have tried to upload supporting documentation to the credit bureau, but I receive no acknowledgment that its been received or that its being processed as a means to substantiate that this particular debt is paid in full with a XXXX  dollar balance as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: I.C. System, Inc.
State: TX

Complaint narrative:
I never received a bill or notification of a past due balance. Collections account appeared on 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 explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Over a year ago, I find out that I have been a victim of Identity theft. I find out that someone unknown to me used my personal information to get credit cards from CAPITAL ONE, XXXX XXXX and XXXX. Since I was not aware of these accounts. They all got charged off. At that time I have filed an FTC Report and send it to the Credit Bureaus and Original Creditors. All except for Capital One has been removed from my Credit Files. I contacted Capital One and I told them, " I am a victim of identity theft. I told them that I did not open or authorize this account ; I therefore request that this account be closed immediately. I also request that CAPITAL ONE absolve me of all charges on this account, and that they take all appropriate steps to remove this account from my credit file ". I also sent them a copy of my Identity Theft Report supporting my position, also sent a copy of the FTC Notice to Furnishers of Information, which details their responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, they are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies their responsibilities when they receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information they provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that they do not attempt to sell or transfer the fraudulent debts to another party for collection. What did capital one did ignored all my communication. I tried again dispute this account with capital one and credit bureaus and again I got the results that capital one has verified the account belongs to me,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATLCRSYS is claiming that I owe them {$610.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Dear Sir, RE : PLANNED CLOSURE OF MY ACCOUNT ON XX/XX/2021. 

I was notified by Huntington National Bank that my account will be closed on XX/XX/2021. 

Huntington bank has been helping me receive my paychecks and do other transaction for close to four years and the bank has been there for me at this difficult pandemic time. I don't know, but I have not bleached any of the Banks procedures/ regulations that I know of, and I do believe sir, that the operations department may have misunderstood the facts of a situation or made a mistake. Resolving to close my account at this time make me feel deeply hurt. There is so much challenges at this time and adding Clossure of my account to my difficulties will be too much for me to handle. 

I humbly request sir, that you should please use your good office to kindly intervene and possibly remedy this situation for me. 

Thanking you in anticipation for your help. 

Yours Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP
State: CT

Complaint narrative:
over the past year i have been a customer of XXXX.It seemed as if someone was in my account because I would be charged for things and then two days later I was being told that payments need to be revised so i would have to pay again.when I added my key XXXX bank card it has become worse.key XXXX is removing transactions off of my account such as refunds and processed payments of which I have proof of.In XXXX or 2021 there was a transaction with XXXX that required a refund which key XXXX bank completely removed any evidence of this transaction but I do have a letter from XXXX about this transaction.then on XX/XX/2021 I was charged {$120.00} by XXXX for something I already paid for that has been shipped out on XX/XX/2021 because it was paid for on XXXX system isnt showing that I was charged on XX/XX/2021 but my bank statement says so which is leading me to mu assumptions that XXXX someone professional at XXXX is working with key XXXX bank to commit fraud.they are charging me more than once for items i paid for and removing the payment and pushing the payment time up to justify the extra monety being taken sand it has been happening for over six months.I have reached out and then the next month more issues and I really feel like someone is personally targeting me.this is unaceptable because it is stealing and it is government funds they are stealing.XXXX cant seem to get to the bottom of it but this can not continue..

Company response to consumer: Closed with explanation