vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2018 there is a 30 day report late company auto-paid and didnt inform payment was returned. Not notification or communication of late payment prior to showing on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has reported I'm passed 30 days late and when I called they said I paid to early which actually I paid on my due date and never 30 days late. The only thing that changed was my minimum payment which I'm enrolled in the hardship program which they adjusted my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: NC

Complaint narrative:
I reviewed my report and discovered many fraudulent and incorrect information listed. I was a victim of identity fraud and I am requesting these fraudulent items be blocked.

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 2018-12-27 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 reviewed my report and discovered many fraudulent and incorrect information listed. I was a victim of identity fraud and I am requesting these fraudulent items be blocked.

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 2018-12-27 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have an american express credit card which is earning rewards points everytme i use the card and it had promotion when i opened the card that if i make over {$5000.00} purchase in ninty days then i earn XXXX rewards points. I had opened the card I had met the requirements so i earned the XXXX points. I used this card for all my purchases. few months later the American express just decided to take the XXXX points out of my account and no explanation or email or letter was sent to me. One day i was trying book some flights and i realized that my points were missing so i called them but no one knew why points were taken out. after 14 phone calls they told me they have discretion or power to take any customers points out but i had not done anything wrong. I have been a long time customer and I have used their card normally and i have not misused any thing so i want my points back. I have decided to write a letter to American express CEO but someone suggested to send a letter to CFPB. I hope you can help me get my XXXX point back. 

Thank you and i i have attached the rewards screen here. 

Time Period From XX/XX/2018 to Present Time Period Activity SelectBox Download Download 1-13 of 13 Transactions First | Previous Page textpage1 of 1 Next XXXX Last perpage Date Ascending Order Category Description Points XX/XX/2018 Earned Blue Business Plus Card-XXXX XXXX XX/XX/2018 Earned Blue Business Plus Card-XXXX  XXXX XX/XX/2018 Earned Business Gold Rewards CardXXXX XXXX XX/XX/2018 Adjusted Point Adjustment XXXX XX/XX/2018 Earned Business Gold Rewards Card-XXXX  XXXX XX/XX/2018 Earned Business Gold Rewards Card-XXXX  XXXX XX/XX/2018 Earned Business Gold Rewards CardXXXX XXXX XX/XX/2018 Used PAY AT PARTNER XXXX XX/XX/2018 Earned Chrge Retn XXXX MR Pts/ {$1500.00} SP XXXX XX/XX/2018 Earned BGR $ XXXX Spend/XXXX MR pts XXXX XX/XX/2018 Earned Business Gold Rewards Card-XXXX XXXX XX/XX/2018 Earned Blue Business Plus Card-XXXX XXXX XX/XX/2018 Earned Charge Retn XXXX MR Pts XXXX 1-13 of 13 Transactions First | Previous Page textpage2 of 1 Next | Last perpageno Opening balance as of XX/XX/2018 : XXXX Earned : XXXX Used : -1 Adjusted : XXXX Points Balance as of XX/XX/2018 : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: NY

Complaint narrative:
My account was closed because I called on the XXXX about a transaction I didn't make and all my netspend prepaid debit cards were deactivated. My social security benefits posted the XXXX, and they closed my account on XXXX XXXX day. XXXX. 
I have been with netspend prepaid card since XXXX. My social security XXXX check goes direct deposit to my account. I had no access to my funds which my family depends on I am single mom of XXXX children. I called and the representatives told me different things. 
I don't even clearly understand why they closed 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 2018-12-27 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: FL

Complaint narrative:
I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted this account off 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 2018-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
The vehicle was sold/traded in to XXXX XXXX XXXX in XXXX, CA on XX/XX/XXXX. One Main is reporting a 30 day late for XXXX 2018. 
I have called XXXX and One Main requesting this to be modified and corrected - we were not in possession of the vehicle and under the understanding that XXXX was going to pay the vehicle off. We were never notified that it was not paid and past due again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: Goodman Frost, PLLC
State: MI

Complaint narrative:
XXXX XXXX XXXX Account opened approximately XX/XX/XXXX. Co-signer on this car loan account. Bi-weekly wages were garnished in the amount of XXXX final payment was made on XX/XX/XXXX, and account has been paid in full but still reporting on credit report. contacted finance company, whom referred me to garnishing attorney Goodman-Frost for removal. contacted attorney, who told me finance company has to remove it from credit report. disputed with XXXX  and XXXX  with no resolve. item says it will report on credit until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: CA

Complaint narrative:
XXXX XXXX has reported I'm passed 30 days late and when I called they said I paid to early which actually I paid on my due date and never 30 days late. The only thing that changed was my minimum payment which I'm enrolled in the hardship program which they adjusted my payment.

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 2018-12-27 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: CA

Complaint narrative:
XXXX XXXX has reported I'm passed 30 days late and when I called they said I paid to early which actually I paid on my due date and never 30 days late. The only thing that changed was my minimum payment which I'm enrolled in the hardship program which they adjusted my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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 XXXX has reported I'm passed 30 days late and when I called they said I paid to early which actually I paid on my due date and never 30 days late. The only thing that changed was my minimum payment which I'm enrolled in the hardship program which they adjusted my payment.

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 2018-12-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: MA

Complaint narrative:
Ok education credit management corporation XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX MN XXXX. Are Harassing me and writing letters to my former attorney about a debt I Dont owe or know anything about ... First of all I want them to stop calling me and trying to trick me for information. They threatened me so gave them my attorneys name I am address they are writing him for a debt I dont owe ... In a unrelated matter hes a criminal defense lawyer. And has know knowledge of this debt they claim I'm owe ... They a embarrassing me ... because my former lawyer has nothing to do with this debt. More especially me. They have the wrong guy.. I am Disputing this debt so stop all collection action for 30 days until this matter is resolved. According to the fair debt credit reporting act you must stop all attempts to collect on this false debt.

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 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2018. I applied for a loan modification to Bayview Loan Servicing numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social it rings couple of times and then I get nowhere. Seems like when I put in my information the phone system recognizes my information and does not connect me to anyone. This has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. After speaking to the employee she did not give me any information regarding my loan and said that only one person could talk to me but I can never get a hold of that person. Also asked for a supervisor and was on hold for over 40 min and never got one. Bayview is playing dirty games for me to not resolve my issue and get an update on my loan modification.

Im being thrown around the phone system and no one can speak with me. Is this a game they play to hold off so long until its too late to speak to someone and then they sell my home? I have done everything needed to do and i have sent them all documents. If Im not mistaken Bayview Loan Servicing is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: Nelnet, Inc.
State: AZ

Complaint narrative:
I have two of the same duplicate accounts reporting on my credit for student loans. One is reporting under Nelnet while the other is reporting under US Dept of Education. Mind you I have never attended college in life nor applied for federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to inform you that XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted the account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been trying to close my Savings Money Market account for almost three weeks. There were pending transactions. I had to call Capital One Bank 4 times, every three days to close my account. 

After two weeks of request to close my account, the account was finally closed and a final check was cut for the balance remaining in the account ( {$50000.00} ). 

I patiently waited for the check to arrive, deposited the check into my personal savings account in another institution, and waited for seven days for the check to clear. 

Today, XX/XX/2018, I received notification that the final check issued by Capital One Bank was denied/rejected by Capital One for no reason. 

I immediately called and spoke to a manager in the customer service department and was not provided a reason or an explanation for Capital One Banks actions. I was not provided with an expected date of resolution. I was not provided with any options for resolution. 

In the meantime, I do not have access to over {$50000.00} of my money, am loosing potential interest my money can be earning, owe {$34.00} for a return check and {$34.00} for insufficient funds in my account. 

All this negative impact has occurred to no fault of my own, but Capital One Bank. 

I still do not have a resolution and would be greatful for any help your organization can provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-27 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: FL

Complaint narrative:
I am writing to inform you that XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted the account off 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 non-monetary relief
Consumer complaint received 2018-12-27 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: AZ

Complaint narrative:
I have two of the same duplicate accounts reporting on my credit for student loans. One is reporting under XXXX while the other is reporting under XXXX XXXX XXXX XXXX. Mind you I have never attended college in life nor applied for federal student loans.

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 2018-12-27 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: AZ

Complaint narrative:
I have two of the same duplicate accounts reporting on my credit for student loans. One is reporting under XXXX while the other is reporting under XXXX XXXX XXXX XXXX. Mind you I have never attended college in life nor applied for federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
On Friday, XX/XX/2018, I was awoken by a phone call from XXXX XXXX of National Credit Systems prior to XXXX XXXX. Pacific Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the 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 2018-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Risecredit, LLC
State: IL

Complaint narrative:
I received a pre-approved offer from this bank which lied about the APR. They told me what the rate would be, and it is way higher than Illinois ' 26 % APR. I never authorized the hard inquiry and did not accept any loan from them. They have been spamming my email and I had to block them. 

I have called Rise and they said there was nothing they could do. I would like them to remove their hard inquiry from my report since they were dishonest about the rates and did do a credit check before telling me their rates. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
Dear Director Of Operations, After talking several times to the customer service department they failed to correct my concerns! One they failed to add a authorized user to my account. Two seem not to be able to credit payment properly to the account that currently has a XXXX balance after two payments posted. Three have a freeze on the account after they have been provided proof of said payment and processes. Please  have someone correct these issues and complete the update to the account immediately. CPA has verified all has properly been done on my end as a card-holder per the agreement provided upon enrolling with this bank. If, they can't proceed to complete these simple requests very fast close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis is reporting fraudulently reported information. They refuse to take down information regardless if it's fraudulent, and older than 8 years old and in violation of reporting negative information beyond 7 years One of mant reference # 's XXXX Case # XXXX Case # 2 -- XXXX Consumer # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me XXXX and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation