vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, someone hacked into my XXXX account and made a purchase for {$220.00}. This purchase was paid for with a {$99.00} merchandise credit and {$120.00} billed to my card. Capital one immediately refunded me the {$120.00}. XXXX eventually credited me back {$110.00} in two separate amounts of {$57.00} which was the equivalent of the {$99.00} plus tax and shipping. Capital one rebilled these two credits to my account thinking they were owed to them as part of {$120.00} they had credited to me. I immediately contacted capital one to inform them that they were not correct and that this was a refund from the merchant for a previously returned merchandise. They asked for me to send documentation in XX/XX/XXXX which I did. I sent communication from the merchant to verify the validity of my refund. On XX/XX/XXXX, capital one did a transaction re-bill of the amounts {$57.00} x 2. They did not Notify me of this. I have contacted Capital One and have not been offered a refund of the error they are making.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX  Opened XX/XX/2007 Balance XXXX Myself and  another company made attempts to remove this negative remark from my credit report due to Statute of Limitations and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  and Experian are inaccurately reporting the payment history of my student loan account. I have been enrolled in school and is erroneously reporting late payments. I sent XXXX  and Experian   documentation from the loan service provider verifying that my loans were under forbearance for the time period the loans are reported late. XXXX  removed the late payments initially but placed them back on my report without notifying me. Experian never responded to my request. XXXX  and Experian are violating the law by reporting inaccurate information.

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 2020-05-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/2020 I have been working on my credit, I checked it 2 days ago it was at a XXXX I checked it today a d it had dropped 19 points with EXPERIAN! Checked my report and thing had changed ... Can someone pls help me

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 2020-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX, XXXX-XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my 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 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: WA

Complaint narrative:
Collection agency IC Systems is reporting a {$190.00} debt from XXXX XXXX XXXX to XXXX XXXX. This debt is from 2007 and is being report as 2 years and 3 months old. I recently disputed the information with XXXX XXXX however, the results did not change the inaccurate information being reported. Their contact information is : XXXX XXXX XXXX XXXX  XXXX, MN XXXX United States 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 2020-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and I have been trying to clean my credit now for 5 years. My credit was compromised and I also received information from XXXX  that my credit was compromise. I have filed a claim with XXXX  for the Class Action situation with XXXX  data breach. After almost 10 years I have been disputing a Santander loan on my credit and XXXX XXXX  that was a car accident and I sent in all paperwork and it is still reporting. I recall co-signing with my ex husband years ago with Santander but XXXX should be deleted and Santander. The vehicle was sold for {$4900.00} but they are still reporting {$10000.00}. I have been on XXXX for 3 years now but this car loan on my credit is prohibiting me from purchasing anything and keeping my score low. I have complained for over 3 years with all credit reports and they continue to not delete it and I have called the collection agency and they admitted it should be {$2000.00} listed as debt but they havent negotiated the price or deleted it and they are still reporting {$10000.00}. I cant get approved for a place to live and or a credit card. I constantly dispute this car loan and it constantly stays on my credit and its been almost 10 years. Please help me. I am a XXXX single mom of XXXX XXXX children and I already fill in poverty. I am trying to repair my credit. I also have tons of inquires and most I did not apply for and credit companies told me nothing could be done about the inquiries. What are my right with inquires?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: Ocwen Financial Corporation
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to dispute credit information with Equifax, I cant log in I called them and they basically said u have to have a paid membership. I should be able to dispute inaccuracies without membership

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
Opened a checking account on XX/XX/2020 through TCF Bank online. XX/XX/2020 I deposited a cashiers check for {$14000.00} at my local TCF branch. The branch manager also opened a savings account and transferred {$100.00} from check into new savings account and provided me with a atm/debit card. I was told my check would have a 2 day hold placed on it. On XX/XX/2020 I sent email via tcf mobile banking app to inquire when my funds would be available and received a responded shortly after on sat XX/XX/XXXX. That Sunday the XXXX  I attempted to use debit card and it was declined. After multiple attempts to call customer service and ask what is going on I received an email via app banking status g my account was closed. Between tcf customer service and branch manager I have only been told my account was closed on the XXXX. I have received email and mail regarding my account or memebership still after the XXXX. I was not told why my account was closed nor have I received my funds of a total of {$13000.00} and have not been told how long until I receive them or when they will be mailed out by tcf. I have copies of email communication between myself and TCF, deposit slip, etc ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Im trying to link my PNC BAnk account to my new XXXX XXXX  online account and they refuse to let me to do so!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: LA

Complaint narrative:
I have tried numerous times through email, phone calls and complaints on the texas attorney general website child support for case # XXXX cause # XXXX to correct the information they have reported on all 3 credit bureaus! 
They have me as not making 1 payment, past due amount {$13000.00}! the child support comes out of my check every 2 weeks plus I have had additional payments that have me paid up to {$15000.00}!

its the only thing negative on all my credit reports and I have disputed it with all 3 companies and sent numerous emails and calls for the attorney general to remove the never paid amount off my credit and nothing has been done!

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 2020-05-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have tried numerous times through email, phone calls and complaints on the texas attorney general website child support for case # XXXX cause # XXXX to correct the information they have reported on all 3 credit bureaus!

They have me as not making 1 payment, past due amount {$13000.00}! the child support comes out of my check every 2 weeks plus I have had additional payments that have me paid up to {$15000.00}!

its the only thing negative on all my credit reports and I have disputed it with all 3 companies and sent numerous emails and calls for the attorney general to remove the never paid amount off my credit and nothing has been done!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have tried numerous times through email, phone calls and complaints on the texas attorney general website child support for case # XXXX cause # XXXX to correct the information they have reported on all 3 credit bureaus!

They have me as not making 1 payment, past due amount {$13000.00}! the child support comes out of my check every 2 weeks plus I have had additional payments that have me paid up to {$15000.00}!

its the only thing negative on all my credit reports and I have disputed it with all 3 companies and sent numerous emails and calls for the attorney general to remove the never paid amount off my credit and nothing has been done!

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 2020-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia
State: DC

Complaint narrative:
This complaint is regarding Credit Control Corp. On my credit reports this debt collector reports the original creditor as " XXXX XXXX XXXX. Anyone who sees this can XXXX it and see that the XXXX XXXX is " ... a drug rehab center located in XXXX, VA, offering evaluation, detox, partial hospitalization and IOP addiction treatment. '' This is a violation of my HIPAA rights because it allows anyone that pulls my credit reports to made a determination of my medical diagnosis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I opened a checking account in XX/XX/2020 with Bank of America, this account was opened with the purpose of paying my credit cards off which I hold with the same bank. ( I am not XXXX and I dont live in the us ) on the XXXX my checking account was close without any reason given to me, they said a business decision, I have query this with the bank and I got not response, I am very mortified of what they have reported to XXXX , as I said I dont live in the us and getting a report is petty much impossible. The bank has put so much emotional stress on me, I am XXXX for an XXXX   and I worked with a XXXX, I dont want any wrong information in my credit report or history, I managed to pay off one of the credit cards with my mothers account t and I am in the process of Paying the second one to not have any more debt. But this is not a way to treat people, Ive never done anything wrong and I am a very hard worker person.

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 2020-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: MD

Complaint narrative:
I am writing because XXXX XXXX has sent my account to collections and the Collection agency reported me to the credit bureaus. I had moved and they sent the statements to the old address and I also PAID the balance. 

Also under the CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis, They reported me in XXXX, They need to REMOVE it from credit bureaus. I don't want them to JUST update it, they have to completely REMOVE it from ALL the credit bureaus or from the ones they reported it to. 

My score dropped significantly and I'm in the middle of getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: Fidelity National Information Services, Inc. (FNIS)

Complaint narrative:
I opened a checking account in XX/XX/2020 with XXXX  XXXX XXXX, this account was opened with the purpose of paying my credit cards off which I hold with the same bank. ( I am not American and I dont live in the us ) on the XX/XX/2020 my checking account was close without any reason given to me, they said a business decision, I have query this with the bank and I got not response, I am very mortified of what they have reported to ChexSystems , as I said I dont live in the us and getting a report is petty much impossible. The bank has put so much emotional stress on me, I am XXXX XXXX XXXX XXXX and I worked with a visa, I dont want any wrong information in my credit report or history, I managed to pay off one of the credit cards with my mothers account t and I am in the process of Paying the second one to not have any more debt. But this is not a way to treat people, Ive never done anything wrong and I am a very hard worker person.

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 2020-05-12 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: NY

Complaint narrative:
I called CapOne to determine when finance charges would accrue. I was told that if I paid off my balance in full prior to the closure of the next statement I would not accrue finance charges I escalated the call to XXXX on XX/XX/XXXX # XXXX. She claimed that she could not reverse the charges. All financial institutions have a way to reverse charges. Most are on XXXX or XXXX/XXXX. I'm a customer in good standing. I was given the wrong information. I wasn't given an written communication informing me that on XX/XX/2020interest would accrue on the balance on my card. I was told to pay off my card prior to XX/XX/XXXX to avoid finance charges. Capital One failed to provide full disclosure where a customer would understand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12 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: NC

Complaint narrative:
I have reached out to Experian both via Mail and the CFPB in dispute and complaint before with full attachment and supporting documents from law enforcement and supporting my identification only to have the Experian send me a letter stating they have not received it, when I have full receipts from both of the aforementioned.I am once again submitting these items to your office in hopes that Experian will acknowledge my dispute/complaint of fraudulent accounts coming forth from identity theft.

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 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Deposited electronic check to my chase checking from family member of {$970.00} which is from XXXX  XXXX XXXX. This activity in my account is COMMON. they have now placed a 10 day hold on this check. Inquired and this is response recieved. 
Hello, Thank you for contacting us. We understand your concern about your account and will be more than happy to help you. 

A hold can be placed for a variety of reasons, including when the deposit differs from the usual banking activity for you or the issuer of the check. Each hold is confidential and handled on a case-by-case basis. The money will be available on XX/XX/2020. 

If the deposit is returned to us unpaid, we'll deduct the amount of the check from your account and charge a {$12.00} Deposited Item Returned Fee to your account. 

For more information about the hold, sign in to chase.com and follow these steps : 1. Choose the tile for your account. 

2. Review the " On Hold '' section for details about the hold and when it should expire. 

You can also see hold information on the Chase Mobile ( R ) app ( 1 ) or chase.com mobile site. 

We appreciate the opportunity to help you. We value our relationship with you and thank you for choosing Chase. 

Thank you, XXXX Chase Email Servicing ) This response is not only disengenous it is insulting to threaten with a {$12.00} return fee which had nothing to do with my inquiry. 
After responding back to their pathetic response which was immediately addressed are now saying can take up to a week for further response.Predatory practices and game playing during a crisis we are in is reprehnsible and danderous.

Company response to consumer: Closed with explanation