vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My card was closed due to inactivity ; however, I use this card as an emergency backup in case I need it for dire emergencies. I called Capital One and I was told that there is nothing that can be done to reopen this card. This specific card is also my card with the longest open credit history and my credit has taken a hit due to this card being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: CA

Complaint narrative:
Repeated phone calls from XXXX and continues at least twenty times that after throughout the rest of the day. Kills my phine battery, takes up my time and is annoying and is irritating me know. When I answer it gives me a message with a phone number to call back. Then receive a debt letter from MRS. BPO, LLC with a side note stating, " tax time is a great time to put issues like this behind you. Consider using any possible tax refund you may receive to satisfy your outstanding obligation. '' Regardless this should never been a collection account because the dealership never refunded this amount like they should have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Repeated phone calls from XXXX and continues at least twenty times that after throughout the rest of the day. Kills my phine battery, takes up my time and is annoying and is irritating me know. When I answer it gives me a message with a phone number to call back. Then receive a debt letter from XXXX XXXX, XXXX with a side note stating, " tax time is a great time to put issues like this behind you. Consider using any possible tax refund you may receive to satisfy your outstanding obligation. '' Regardless this should never been a collection account because the dealership never refunded this amount like they should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
This company has ruined my life. They are reporting Im deceased and Im alive. I was XXXX and a hospital commuted malpractice and now is falsely reporting things that has delayed my tax return, caused problems with jury duty, and got me denied among other things. This isnt fair and Im not dead. I pray to XXXX people stop saying that and speaking bad things on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: GREAT LAKES
State: NC

Complaint narrative:
I've tried contacting the company that holds my account via mail and email to inform them that several of my closed accounts are stating paid in full with 90 to 120 of late payments. This information is incorrect due to me still being enrolled as a XXXX XXXX XXXX at the time a XXXX XXXX XXXX XXXX. My loans were consolidated and paid. The company has yet to update my correct account information. 
Accounts Listed below XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was trying to buy tickets off of XXXX for a concert. After about 15-20 minutes of constant back and forth through text message, I had agreed to purchase each ticket one at a time. The scammer said he only used XXXX through Bank of America. Since I figured BofA is a trusted bank, if anything should happen I can just reverse the transaction and it should be fine. Well fast forward to me paying {$75.00} and realizing the person was a scammer and did not send me the tickets via XXXX. I reached out to Bank of America and since I initiated the transfer I was not protected by fraud/scammers and therefore unable to retrieve my {$75.00}. They were unable to get the money back even when they said the scammer also had Bank of America. Its very frustrating knowing that BofA allows scammers to use they bank account for fraudulent charges. I had even filed a police report regarding the stolen $ $ and nothing had since been done. So disappointing and very frustrating that these big banks arent able to provide protection on these charges.

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 2018-05-15 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: NC

Complaint narrative:
I've tried contacting the company that holds my account via mail and email to inform them that several of my closed accounts are stating paid in full with 90 to 120 of late payments. This information is incorrect due to me still being enrolled as a XXXX XXXX XXXX at the time a XXXX XXXX XXXX XXXX. My loans were consolidated and paid. The company has yet to update my correct account information. 
Accounts Listed below XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX 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 2018-05-15 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: NC

Complaint narrative:
I've tried contacting the company that holds my account via mail and email to inform them that several of my closed accounts are stating paid in full with 90 to 120 of late payments. This information is incorrect due to me still being enrolled as a XXXX XXXX XXXX at the time a XXXX XXXX XXXX XXXX. My loans were consolidated and paid. The company has yet to update my correct account information. 
Accounts Listed below XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: NC

Complaint narrative:
I've tried contacting the company that holds my account via mail and email to inform them that several of my closed accounts are stating paid in full with 90 to 120 of late payments. This information is incorrect due to me still being enrolled as a XXXX XXXX XXXX at the time a XXXX XXXX XXXX XXXX. My loans were consolidated and paid. The company has yet to update my correct account information. 
Accounts Listed below XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX 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 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I've made numerous attempts requesting proper validation of the debt I have requested in writing to the collection company and to the credit bureau 's to provide me with a detailed breakdown/ contract with a signature of what I allegedly owe. I have yet to receive any proper documentation it's been well over 90 days. Disclosure verification of debt : not given enough information to verify debt. The account was removed from my XXXX report some time in XX/XX/2017 due to non validation.

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 2018-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
CRA violation. Because the contents of a complete CRA Public File were not provided to me within five calendar days of my request, City National Bank did not comply with the requirements set forth under Section 228.43 of Regulation BB. Specifically, Section 228.43 ( c ) ( ii ) of Regulation BB states, in part : A bank shall make available to the public for inspection upon request within five calendar days of the request all the information in the public file relating to the assessment area in which the bank operates. 

XXXX failed to provide in five days my original request was Wednesday an email dated XX/XX/XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have disputed with the company, Experian, multiple times and they have yet to describe the method that was used to verify the file eventhough the company stated that they did not have documentation to prove an agreement ( signed document, contract, etc. ). Therefore it is not only inaccurate but unverifiable as well. 

Also Experian broke the law by not sending a letter stating that they had relisted the fraud account on my credit report within the specified time stated in the .FCRA which is 5 days of the reinsert day. I had included a copy of a credit report where the item was removed from Experian report. However I did not receive the letter that it was reinserted let alone being during the five day window of relisting.

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 2018-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I've contacted this company on several occasions to inform them that this account is fraudulent and doesn't belong to me. I've even requested that they properly validate this alleged debt, but I have yet to receive any type of documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Bureau is refusing to remove inquiries that were obtained without my permission. I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair reporting. 

XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair credit reporting XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from 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 non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Dealer racially discriminated against me, ran my credit again to lower score even tho I was pre approved. Sold me a bad car with a insane interest rate that did not match my credit score because of predatory lending to XXXX XXXX. Car broke down a day after buying and I was stuck on side of highway. Had to send complaint to attorney general who mediated car being fixed but took so long payments were missed and loan went bad because I had to pay out of pocket for things dealer lied and said they did when they did not. Also paid XXXX down was suppose to go to car but later learned dealer lied and this was a fee to do loan, even though loan was submitted before entering dealer. Things were so bad I never even got the car tagged up, dealer also never offered to finance my tags into the deal after robbing me for the only cash I had in down payment money and not putting it toward the loan! Complained to finance company and all the did was request payments and demand car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair credit reporting XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry from  XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX inquiry from  XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair credit reporting XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from 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 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital one This said it wouldnt effect my credit and now it has I have worked to hard to get my credit score up plz remove urself ASAP!!! Why would it say it wouldnt effect and then my score drops this is total bull and basically setting Ppl up for failure when Ive worked so hard on building my credit Bk up so that I can but the home Im in for my boys and help them start there credit plz remove that I even asked for this credit card cause I never would have applied if I knew it was going to lower my score!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
Ive paid my past due XXXX XXXX bill in full after agreeing to a for deletion with the collection agency RPM. Ive tried countless time for someone from their company to rectify this matter but no one will hear me out. They purchased this debt in XX/XX/2014 from XXXX 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 2018-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XXXX XXXX i received my paypal credit statement but i did not open till XX/XX/XXXX and then when i checked them i was shocked that i have transaction that i did not recognise or Authorized and i called my paypal credit immediately to report the transaction that i did not Authorized all Cash advance transaction from XX/XX/XXXX that transaction is not made by me and i have not received any products or items from this transaction. i requested to closed and unlink my paypal credit to my paypal account. also already check my credit report and tried to report this incident to the credit bureau but i did not see this account and realized they don't report this kind of credit to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Fedloan Help
State: MA

Complaint narrative:
i graduated inXX/XX/XXXX. my loans went into repayment XX/XX/XXXX. 
i have made all payments on time and in full since XX/XX/XXXX. 
i contact fedloan to count the number of qualifying payments every 2-3 months and their number never increase. i have a total of 8 loans that all went int repayment XX/XX/XXXX yet for one loan it say i made 19 payments and then on other loans it says i've made 23 payments. every time i call no one wants to give me a straight answer and just request a recount which never is accurate. the representative agree that their numbers do not make sense and put in a request to count but nothing is ever explained or resolved.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-15 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: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND ALL THREE OF MY CREDIT BUREAUS XXXX, EXPERIAN, AND XXXX HAVE BEEN SENT A COPY OF MY POLICE REPORT FOR THE IDENTITY THEFT NUMEROUS TIMES AND THEY HAVE REFUSED TO REMOVE THE FRAUDULENT ITEMS, THE LATENESSESS THAT WERE CAUSED BY THE FRAUDULENT ITEMS, THE FRAUDULENT INQUIRIES, ECT ... I HAVE SENT THEM THE POLICE REPORT, THE FCRA 605B STATING THEY MUST BE REMOVED WITHIN 4 BUSINESS DAYS, A COPY OF THE FTC REPORT OF THE ID THEFT, A COPY OF MY CREDIT BUREAU REPORT WITH THE ITEMS THAT ARE FRAUD CIRCLED, A COPY OF MY ID AND BILLS TO PROVE ADDRESS, AND THIS HAS GONE ON FOR THE PAST YEAR AND THEY STILL HAVE NOT REMOVED THE FRAUDULENT ITEMS AS DIRECTED BY ME AS FRAUD, IT HAS DIRECTLY AFFECTED ME GETTING LOANS AND ECT. IF THEY ARE NOT REMOVED AND MY SCORES ARE NOT ADJUSTED PROMPTLY I WILL HAVE TO HIRE AN ATTORNEY AND TAKE ALL BUREAUS TO COURT.

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