vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 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: DISCOVER BANK
State: MA

Complaint narrative:
Dear CFPB, On or around XX/XX/XXXX a representative of Discover Card called my mother XXXX and claimed that she opened a Discover card account in XXXX. My mother is XXXX years old and even if she had a Discover card in the past her account was closed more than ten years ago. 

Despite the fact that my mother denied having an open Discover card account, the Discover representative speaking to her via an interpreter conducted the conversation with an attitude of crime investigator and insisted that a card in her name was opened in XXXX and ( as she understood it ) she was a subject to a fraud investigation. 

I find the behavior of the Discover card associates conducting the phone call unacceptable. I am a discover card holder for about 13 years and would really appreciate that you do not talk to my relatives in the manner described above. 

I would also like to inform Discover that I find it unacceptable to disclose any information about my Discover card account to anyone that I have not specifically authorized to disclose the information to. 

After XX/XX/XXXX the online access to my account was restricted and wen I was attempting to log in into my account I was receiving the message that you can see in one of the attachments. 

It is concerning that Discover not only handles their communications in an unprofessional manner, but it also blocks customers accounts selectively based solely on the fact that the customers are not typical customers. 

As of today my account is adversely affected since I can not enjoy the same level of services as other Discover customers have and Discover has not provided me with any reasons, other than the fact that they have not talked to me over the phone, indicating why my account is adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Dear FTC : I applied to American Express Gold Credit Card, and was denied. I contacted American Express ( " AMEX '' ) for the reason, and told me the decline was because of " Internal Blacklist '' about previous account dated from 2001. I demanded removal of my name from American Express 's Internal Blacklist and clear black marks from Social Security Number. I told American Express that  their Blacklist violates the Fair Credit Reporting Act ( " FCRA '' ). I reminded AMEX officers that their actions have been without legal authority from Congress and Federal regulators. The FCRA does not allow negative reporting more than seven years. AMEX reports such negative information more than nineteen years. AMEX maintains this information for illegal purposes and with impunity. I spoke to several AMEX officers namely : XXXX, XXXX, XXXX, and XXXX. All of them agree that the FCRA 's seven year requirement exists, but failed to clear my name from AMEX Blacklist. The officers knew they were in breach of United States credit and lending laws. The officers chose to be complicit in the commission of these financial crimes and violation of the laws that govern credit reporting. Moreover, the officers were discriminatory in not processing my application at all. They choose not to process my application, because there is a Internal Blacklist and negative flag. All of this is happening despite my current FICO scores for XXXX  at XXXX, and XXXX at XXXX. These hard earned scores enable me to secure the AMEX Gold or any other credit card in the market. But I can not get past the AMEX BlacklisXXXX, which is both illegal to maintain internally and violates myriad Unites States financial laws. AMEX denies the existence of Blacklists in the public domain. We know now that AMEX maintains a serious Blacklist to punish American Citizens. AMEX is a corrupt institution that is seriously involves itself in the commission of financial crimes against American Citizens. AMEX victimizes American consumers like me with Blacklists whose purpose is to blackmail, vilify, harass, bully, deny, threaten and intimidate. These corrupt and fraudulent practices are unacceptable for any merchant, because they violate United States laws and the liberty of American Citizens from  extortion and subservience. I request the CFPB to enjoin AMEX from creating and maintaining illegal Blacklists, and to clear my name and Social Security Number. Therefore, I humbly request the CFPB to make AMEX comply with the FCRA and other laws as applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: OR

Complaint narrative:
On my report it's showing Accounts ever late 1, i have never been late on any of my account payments and other bureaus record this correctly it only showing on Transunion ... I had to call my banks as well and i was requested to mail Transunion or call directly to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XX/XX/2019 XX/XX/2019 & XX/XX/2019 I contacted all three of the bureaus in regards to in accuracies on my credit report. I I requested for them to validate the information on my credit report Ive been part of the breaches from XXXX XXXX XXXX in XXXX XXXX the last few years. I asked that they provide the method of verification name address phone number of company that provided the verification as well as proof they received the original dated contract with my signature three months later and they have yet to do so. I have 60 inquiries via XXXX XXXX 35 Equifax 21 XXXX that are unauthorized and harming my ability to obtain new credit the only thing they send me is copies of my credit report not the validation which I am asking for. XXXX XXXX and Equifax also still have the three collections on my credit report that was removed XX/XX/2019 due to no validation. I contacted yall about that also and was told it takes 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XX/XX/2019 XX/XX/2019 & XX/XX/2019 I contacted all three of the bureaus in regards to in accuracies on my credit report. I I requested for them to validate the information on my credit report Ive been part of the breaches from Experian XXXX XXXX in XXXX XXXX the last few years. I asked that they provide the method of verification name address phone number of company that provided the verification as well as proof they received the original dated contract with my signature three months later and they have yet to do so. I have 60 inquiries via XXXX XXXX 35 XXXX  21 Experian that are unauthorized and harming my ability to obtain new credit the only thing they send me is copies of my credit report not the validation which I am asking for. XXXX XXXX and XXXX also still have the three collections on my credit report that was removed XX/XX/2019 due to no validation. I contacted yall about that also and was told it takes 10 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I refinance my auto loan with XXXX XXXX in XXXX. Ally Financial whom was the original lender sent a letter dated XX/XX/2019 stating my loan had been paid off and my gap warranty was cancelled and i should receive a refund within 60 days. I called Ally Financial in XXXX around the XXXX and inquired on the refund and they stated that they needed to research and would call me back. The following day i received a call from Ally and the agent stated that they had contacted the dealership ( XXXX XXXX ) and were advised that the warranty had been canceled and i had already been reimbursed and I should contact the dealership directly. I told the agent I never received anything and if I had I would not be calling. I emailed XXXX XXXX who handles warranty cancellations for XXXX XXXX and explained the situation and attached a copy of the letter I received from Ally for her review. XXXX responded right away and stated she would forward the email to the Warranty cancellation clerk. On XX/XX/XXXX I emailed XXXX and inquired if she had any updates and she responded and stated she would follow up with the accountant and would get back with me in a few days. I never hear back from her. I followed up again on XX/XX/XXXX and XX/XX/XXXX with no response. On XX/XX/XXXX I followed up once more and stated I would be filing a complaint with the CFPB if I did not hear back. It is already XX/XX/XXXX I have not received a response nor a check for the gap cancellation. I don't know what else to do at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: TX

Complaint narrative:
I discovered a negative mark ( rental history collection in the amount of {$3100.00} ) on my credit score as inaccurate because I satisfied the requests by then XXXX XXXX XXXX. I was asked to provide a 60-day notice ( to be notarized by a state certified individual ) and pay a reletting fee equal to XXXX rent due in order to relocate for work and school. I requested XXXX, leasing agent from XXXX XXXX XXXX XXXX, to confirm the original collections agency the alleged debt was sent to. She confirmed collection was sent to XXXX XXXX XXXX XXXX ( phone number XXXX XXXX ) XX/XX/XXXX. I reached out to XXXX XXXX to verify the information provided to me and a representative confirmed the alleged debt and information related to my file was never received. 

I followed up with XXXX XXXX XXXX ( the reported agency reflected on my report ) to verify they received the collection as reflected on my credit report. I spoke with a representative who alleged the debt was received between XXXX and XXXX of XXXX, no specific date provided. I requested XXXX XXXX XXXX provide all documents pertaining to my file ( invoice, breakdown of costs/fees incurred, proof of receipt of reletting fee paid, copy of lease agreement and copy of 60-day notice ) via  email by XX/XX/XXXX and never received the requested documents. Because of their unresponsiveness and inability to provide the documents needed to dispute the alleged debt to the major credit bureau , I am filing a complaint to the CFPB to mediate the removal of this item from my Experian credit report in order to accurately reflect my true credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: URS Holding, LLC
State: GA

Complaint narrative:
On Thursday XX/XX/2019 XXXX I call the Alltran Financial to try to resolve this problem because they have been harassing my XXXX year old aunt calling he several times a day and using abusive language on how she need to resolve this matter. I was paying the amount out of my account until I made contact with the XXXX XXXX XXXX XXXX when they advised me that they wasn't receiving any money on this account because the account has been closed. The amount owed is the amount that the gap insurance didn't pay. On this day I advised XXXX XXXX XXXX that I will no longer allow them to take money out of my account. If they send it to me in the mail with a break down of where the money that has already been paid I will pay the bill with no problem. Ms. XXXX stated that isn't the way it is going to be done. She will tell me how it is going to be done. Ms. XXXX have called me several time over and over again being rude. She has harassed my aunt almost in to a nervous break. They are calling everyday several times a day. Ms. XXXX stated it has to come directly out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: TX

Complaint narrative:
I discovered a negative mark ( rental history collection in the amount of {$3100.00} ) on my credit score as inaccurate because I satisfied the requests by then XXXX XXXX XXXX. I was asked to provide a 60-day notice ( to be notarized by a state certified individual ) and pay a reletting fee equal to XXXX rent due in order to relocate for work and school. I requested XXXX, leasing agent from XXXX XXXX XXXX XXXX, to confirm the original collections agency the alleged debt was sent to. She confirmed collection was sent to XXXX XXXX XXXX XXXX ( phone number XXXX XXXX ) XX/XX/XXXX. I reached out to XXXX XXXX to verify the information provided to me and a representative confirmed the alleged debt and information related to my file was never received. 

I followed up with XXXX XXXX XXXX ( the reported agency reflected on my report ) to verify they received the collection as reflected on my credit report. I spoke with a representative who alleged the debt was received between XXXX and XXXX of XXXX, no specific date provided. I requested XXXX XXXX XXXX  provide all documents pertaining to my file ( invoice, breakdown of costs/fees incurred, proof of receipt of reletting fee paid, copy of lease agreement and copy of 60-day notice ) via email by XX/XX/XXXX and never received the requested documents. Because of their unresponsiveness and inability to provide the documents needed to dispute the alleged debt to the major credit bureau , I am filing a complaint to the CFPB to mediate the removal of this item from my Transunion credit report in order to accurately reflect my true credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/2019 made a purchase for XXXX and then the end of XXXX I called to pay off my entire balance I paid XXXX and the guy said that was my pay off amount so XXXX goes by no bill XXXX no bill I now receive a bill for XXXX and I have not used this card I called the company XX/XX/XXXX XXXX to resolve this and they told me I made a purchase in XXXX and it left a balance of XXXX cents and then as I asked for a supervisor they got on the phone I explained that I paid the hole card off the end of XXXX so I didn't have no balance well the story changed to well a purchase you made in XXXX didn't come to us until XXXX so they told me two different stories and will not fix the problem

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Yes I had a roommate and she didn't pay her have of the rent I did and when I moved out she still said and ran up the rent and that not fair this is the 2nd time I'm doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I discovered a negative mark ( rental history collection in the amount of {$3100.00} ) on my credit score as inaccurate because I satisfied the requests by then XXXX XXXX XXXX. I was asked to provide a 60-day notice ( to be notarized by a state certified individual ) and pay a reletting fee equal to XX/XX/XXXX rent due in order to relocate for work and school. I requested XXXX, leasing agent from XXXX XXXX XXXX XXXX, to confirm the original collections agency the alleged debt was sent to. She confirmed collection was sent to XXXX XXXX XXXX XXXX ( phone number XXXX XXXX ) XX/XX/XXXX. I reached out to XXXX XXXX to verify the information provided to me and a representative confirmed the alleged debt and information related to my file was never received. 

I followed up with NCC Business Services ( the reported agency reflected on my report ) to  verify they received the collection as reflected on my credit report. I spoke with a representative who alleged the debt was received between XX/XX/XXXX and XX/XX/XXXX, no specific date provided. I requested NCC Business Services provide all  documents pertaining to my file ( invoice, breakdown of costs/fees incurred, proof of receipt of reletting fee paid, copy of lease agreement and copy of 60-day notice ) via email by XX/XX/XXXX and never received the requested documents. Because of their unresponsiveness and inability to provide the documents needed to dispute the alleged debt to the major credit bureaus, I am filing a complaint to the CFPB to mediate the removal of this item from my XXXX credit report in order to accurately reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: NV

Complaint narrative:
Debt was created not under my authorization account XXXX amount XXXX and account XXXX amount XXXX. I believe both were already disputed as not being my services and removed. As on XX/XX/XXXX account showed back up on my credit history. I have went through I identify theft in the year of XXXX were all information was lost such as id and social security.Taxes were filed and apparently other services used under my name which lead to identity pin being used each year to file taxes. I need these account removed for good due to debt not belonging to me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
After doing several disputes with XXXX, XXXX, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor Santander Consumer. All three failed to do an investigation before reporting false information. Santander Consumer failed to respond several letters

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
contacted capital one about the membership fee I was charged and was told that they couldn't do anything to change it or waive it and they changed people terms and conditions all the time as well as fees without your permission and they say it is nothing you can do and that is not fair to the comsumer I asked them to see what they can do to change my terms or conditions and all I got was the run around if it wasn't for trying to get my credit score up i would've closed the account right there and is thinking about as I write this because this company has done nothing but jerked me around and at some point something has to give if I have to close the account I am at the point where I think it may be better off than to keep going through the crap with them please help me with this matter or provide me with information to get out from under them without hurting my credit score

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-20 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: PA

Complaint narrative:
On XX/XX/2019 I noticed that I had many fraudulent accounts on my credit report I filed a Identity theft report with my local police department and then notified the credit bureaus. I have received resistance in securing my identity with Equifax and XXXX. They are in clear violation of my rights as a consumer and I have given them all the proof and documentation that I have in regards to this matter. Had I known previously what I know now I would have made the bureaus aware sooner. I have a total of 12 collection accounts, 10 Credit Card accounts, 9 EDU accounts and 1 car loan that I am not responsible for and needs to be removed from my credit report.

Company response to consumer: Closed with explanation