vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
Good evening CFPB, Southwest Credit has sent me letters stating I owe them {$200.00} from an old XXXX account which has been closed back in XX/XX/XXXX. This company has been sending me letters stating I owe them money, I think they are trying to bully me out of this money by sending letters stating that they are following and regulations, but how is it I owe them anything? They are not even a utility company. Enclosed you will see a letter that they sent to me after I asked them to please delete this from my credit file. I also learned that even if you were to pay these debt collectors they still will not remove those negative items from your credit report. Please help me resolve this matter and get this item deleted from my credit report. Attached you will find the letter they sent me dated XX/XX/XXXX, and the letter stating that they can not delete this from my profile. 
Thank you for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: GA

Complaint narrative:
On XX/XX/XXXX I redeemed XXXX  points for a credit statement of {$240.00} plus a 75 % bonus for a total of {$420.00}. Only {$240.00} was credited to my account because the credit was issued to my credit card instead of my checking account. I called in 3 times and was told 2 times that the issue was going to be corrected and my checking account account would be credited the {$420.00}. In fact on XX/XX/XXXX I called in at XXXX XXXX  and spoke with a representative who spoke with their supervisor and got approval to have my account be credited. They asked for my checking account info including account number and routing number and said I would be credited within 2 business days. After waiting a week and not being credit, I called in again and was told that they would pull the recorded phone line and would be contacted on XX/XX/XXXX. I have yet to be contacted.

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 2018-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I never really use my credit, I purchased a car and had no issues getting a loan for the car. So I didn't think there was any issues. My friend told me I should check on my credit, because dealerships, will ruin your credit. I reviewed my credit and found the following accounts. 

There is a XXXX XXXX XXXX XXXX XXXX account for {$360.00}. That account is not for me, I have never applied for that account ( Fraud ). 

XXXX XXXX XXXX, for {$120.00}, This is not my account. I have never applied for this account. ( Fraud ). 

XXXX account for {$960.00} This is not my account, I never opened this account. ( Fraud ). 

I attached my identity theft report and ask that these account, be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
XX/XX/XXXX I called in to clarify about my account and I was hung up on multiple times. XXXX, XXXX, XXXX, are a few names that I came across. When asking to speak with a supervisor I was knowingly transferred to a voicemail multiple times. XXXX screamed on the phone. XXXX was rude and not very helpful. The tones in their voices were very disrespectful across the board. This was my first and last experience with this company. 

XX/XX/XXXX I attempted to call in 3 times regarding my account. The first two times I was hung up on and thr 3rd time I was placed on hold until the business closed for the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I had my credit report pulled from the credit bureaus, to see what was on my report as I was in the beginning stages of a homeowner program. I noticed that there was a collection debt reported by a Company called XXXX XXXX XXXX for the amount of {$260.00} I have no knowledge of this debt so I sent XXXX XXXX XXXX a validation of debt letter, this letter was sent to them on XX/XX/XXXX and I waited 30 days and received no response from them, regarding the validity of the debt. I again sent out validation of debt letters again on XX/XX/XXXX and XX/XX/XXXX, with both resulting in no response again from XXXX XXXX XXXX in regards to the validity of this debt. However they continue to report this debt to the credit bureaus as verified while they have repeating violates my request for proof of validation of this debt. I would like XXXX XXXX XXXX to remove this debt from my credit report since they have denied me my right to receive proof of validation of this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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:
As of XX/XX/2018 I had a XXXX credit score ( excellent ) with Transunion and a XXXX with  XXXX. For over 15 years the two bureaus have been within 1 to 15 points of each other with the same credit factors being reported. At this point let me express I am fully aware of what does and doesn't constitute score changes both lowering and raising. I have worked diligently raising these scores particularly in the last three years. Within 28 days, while XXXX and XXXX have risen Transunion has dropped 101 points given the same positive criteria like credit card payoff to XXXX  balance ( XXXX up 14 Transunion dropped 49 ) it literally makes no sense. The scores between the bureau are 100 points and two categories different. I dropped from excellent to good to fair in the space of 28 days with Transunion while my scores went up with XXXX. YES there can be a glitch or scoring model inaccuracy and the Transunion representatives that I talked to from level one to level three could not make any sense of this drastic score drop and even asked if I had a recent bankruptcy or default. No. I have excellent history of everything and still outstanding credit with other agencies. We're not talking about a 10 or 20 point difference here. This is 100 points for no reason. Please address this with Transunion and I'm confident they will find the scoring error.

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 2018-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and TransUnion have failed to report my XXXX XXXX credit card account which reflects positive payment history and could help raise my credit score and lower my credit card utilization. The account number for the XXXX XXXX XXXX credit card is XXXX. The account was previously reporting at both bureaus but it was deleted in error and never corrected. I have called each credit bureau several times to reconcile the situation but they continue to blame XXXX XXXX for lack of reporting. However, XXXX XXXX XXXX  sent me documentation in the mail on 2 separate occasions proving that they have been reporting accurate information to all 3 credit bureaus. The XXXX XXXX credit card referenced above is accurately being reporting on my XXXX credit report yet these two bureaus refuse to correct their mistake. I demand that the bureaus be required to report accurate information as stated by the Fair Credit Reporting Act or I will be forced to seek legal action immediately for the damages incurred and for being unfairly denied credit due to their negligence!

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 2018-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I placed a dispute with Transunion requesting that a XXXX  negative item be removed from my credit report due to the first day of delinquency had exceeded 7 years. 
Transuion did not remove XXXX negative item despite the FDOD being longer than 7 years. 
Transunion investigated the dates of the MOST RECENT transactions instead. 
Transunion said the most recent transaction were correct so they were not going to update my credit file. 

My dispute was not about the most recent transactions dates - it was about the oldest transaction dates with exceeded years. 
Transunion removed the older dates from my credit report - having it appear as if the 7 years had not been reached. 

Since I am making this complaint there is another item - A XXXX XXXX debt that has also passed the 7 year DOFD. 
I want transunion to follow the law & update my credit report with the removal of FDOD items. 

I placed the same dispute with XXXX  - they removed both items that were beyond the FDOD reporting window. 
I placed the same dispute with XXXX - XXXX also didn't investigate the FDOD - they confirmed the dates of the MOST RECENT activity - exactly as Transunion has 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 2018-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: UT

Complaint narrative:
I applied for a Discover card in order to balance transfer from another credit card. Discover blatantly and openly stated that it would be 0 % for 18 months on the disclosure that was given to me. Upon being excepted for the card, they then sent me another disclosure saying it was only 15 months at 0 % and that there was nothing I could do. I then received a fraudulent email from Discover stating that my payment was past due when I had only had the card for less than a week and a half. I call Discover and said why was I getting this email and the representative said that it was a fraudulent email and to ignore it. The representative went on to say that I would receive a statement within two weeks. I confirmed my address once again with the representative. Sure enough, I still have not received a statement. When I called back in to ask where my statement was they told me that my payment was past due. I told them to confirm the address I had on file, and sure enough it was wrong again! Ive been asked to speak to a supervisor and was told that I would have to wait 24 to 48 hours before one would call me back. I just missed a call which my phone identified as a possible scam and so I did not answer it. Then a voicemail was left saying it was Discover card and I had to start the process all over again. This company is openly deceiving customers and committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
They are reporting incorrect information showing i am late paying back when I am in the process to finish school. I have not graduated yet and they showing and reporting I am late and it is effecting all three credit reports

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 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
They are reporting incorrect information showing i am late paying back when I am in the process to finish school. I have not graduated yet and they showing and reporting I am late and it is effecting all three credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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:
I placed a dispute with XXXX requesting that a XXXX   negative item be removed from my credit report due to the first day of delinquency had exceeded 7 years. 
XXXX did not remove XXXX negative item despite the FDOD being longer than 7 years. 
XXXX investigated the dates of the MOST RECENT transactions instead. 
XXXX  said the most recent transaction were correct so they were not going to update my credit file. 

My dispute was not about the most recent transactions dates - it was about the oldest transaction dates with exceeded years. 
XXXX  removed the older dates from my credit report - having it appear as if the 7 years had not been reached. 

Since I am making this complaint there is another item - A XXXX XXXX debt that has also passed the 7 year DOFD. 
I want XXXX to follow the law & update my credit report with the removal of FDOD items. 

I placed the same dispute with XXXX  - they removed both items that were beyond the FDOD reporting window. 
I placed the same dispute with Equifax - Equifax also didn't investigate the FDOD - they confirmed the dates of the MOST RECENT activity - exactly as XXXX has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: NY

Complaint narrative:
Today XX/XX/2018 i received a current copy of my XXXX  credit report. They did a re-investigation for me on an account that had fraudulent charges on it. There re-investigation shows that this account is NOT reporting on my XXXX credit report. It was deleted off the report as it should have been. However XXXX and experian are still reporting it. I attempted to dispute it again online with XXXX but they will not allow me onto the website even with a confirmation number. I am submitting this complaint about experian and XXXX as if they had done a thourogh investigation they would have received the same response to delete this fraudulent account off my credit report. I also was recently denied credit from XXXX XXXX  due to this account that dont belong on my credit report. It had caused me to be denied a credit card from them.

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 2018-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After disputing the following inquiries the 3 reporting agencies concluded that the un- verified accounts been verified, neither company sent me any physical documentation to support their reporting inwhich the investigation stated " up dated ". Now according to the FCRA rule of law, if there's no physical evidence then the accounts shall be removed. The following inquiries in dispute are.. XXXX Credit Cards ( XX/XX/XXXX ), XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Miscellaneous Reptg. Agencies ( XX/XX/XXXX ), XXXX - XXXX ( XX/XX/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 2018-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have disputed the inaccurate account XXXX XXXX ( XXXX ) collecting for ( XXXX ) in the amount of {$1000.00} on three different occasions to all three credit bureaus. The credit bureaus are not properly investigating or taking my disputes seriously. I am entitled to a fair, accurate and substantiated credit report. This XXXX continuous reporting this account and has not provided the credit bureaus or myself any substantiated or verifiable information that this has ever been my account. This is not my account and has never been 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 2018-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Today XX/XX/2018 i received a current copy of my XXXX credit report. They did a re-investigation for me on an account that had fraudulent charges on it. There re-investigation shows that this account is NOT reporting on my XXXX  credit report. It was deleted off the report as it should have been. However transunion and XXXX   are still reporting it. I attempted to dispute it again online with transunion but they will not allow me onto the website even with a confirmation number. I am submitting this complaint about XXXX  and transunion as if they had done a thourogh investigation they would have received the same response to delete this fraudulent account off my credit report. I also was recently denied credit from XXXX XXXX  due to this account that dont belong on my credit report. It had caused me to be denied a credit card from them.

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 2018-06-06 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: MI

Complaint narrative:
I have disputed the inaccurate account XXXX XXXX ( XXXX ) collecting for ( XXXX ) in the amount of {$1000.00} on three different occasions to all three credit bureaus. The credit bureaus are not properly investigating or taking my disputes seriously. I am entitled to a fair, accurate and substantiated credit report. This XXXX continuous reporting this account and has not provided the credit bureaus or myself any substantiated or verifiable information that this has ever been my account. This is not my account and has never been my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: MI

Complaint narrative:
I have disputed the inaccurate account XXXX XXXX ( XXXX ) collecting for ( XXXX ) in the amount of {$1000.00} on three different occasions to all three credit bureaus. The credit bureaus are not properly investigating or taking my disputes seriously. I am entitled to a fair, accurate and substantiated credit report. This XXXX continuous reporting this account and has not provided the credit bureaus or myself any substantiated or verifiable information that this has ever been my account. This is not my account and has never been 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 2018-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I used have checking and savings accounts with Bank of America for 5 years.The bank closed my account reported to XXXX XXXX and XXXX on last XXXX.When I have contacted them they say its a check fraud and which wasnt done by me.I didnt deposit that check, I lost that check book and other cards.As I have attached in previous complaint the bank which validated the ID theft on my name is Bank of America. 
I want the bank to set me free from the reports and wants to remove negative information under my name.I dont want to make a claim at bank because I dont trust them any more since after 5 years of business with them they harassed me like this.

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