vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-09 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: TX

Complaint narrative:
today is XX/XX/XXXX of 2018 i got an email that there is a change on my credit report. 
Im trying now to pay my credit cards so my credit score will go up.Any way i sign in to the report and i see that was an inquire under my name and social security.

I suspect for long time that my credit score is low .cause im always paying my credit cards on time .The reason i thought is law, my husband had an XXXX card and he got for me also a card .Ans he straggle paying it and XXXX close his account and it react his credit. 
but this morning when i got that email i got really scared .a few weeks ago someone used also my debit card but since i check my online banking everyday immediately i called my contact at the bank and they issue for me a new card. 
i will attach the email i got and so is my credit score page Visit Capital One Theres been a change to your XXXX  credit report. 
Heads up : A lender requested a copy of your credit file. 

Visit the Alerts section of XXXX  from Capital One to review a recent change in your XXXX  credit report. To protect your privacy, we arent including any confidential details here. 
Sign in soonstaying on top of your credit can help you defend yourself against potential fraud or identity theft. 
Sign in to XXXX Download the XXXX mobile app, if you dont already have it. 
( This is the email i got today ) Ill attach a screenshot of my credit page

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: GA

Complaint narrative:
I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Equifax, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This account was closed over a year ago. However, company continues to report debt to credit bureaus as current which is negatively affecting my credit score.

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 2018-12-09 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: GA

Complaint narrative:
I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Experian, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2018-12-09 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: GA

Complaint narrative:
I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Transunion, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX 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 2018-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In XX/XX/XXXX I received an attractive offer for a CHASE XXXX XXXX credit card. I applied for the card, but CHASE rejected my application. The rejection letter, dated XX/XX/XXXX, stated Too many credit cards opened in the last two years associated with you. I wrote CHASE and asked two straightforward questions : -WHAT IS, BY CHASE REGULATIONS, THE ALLOWED NUMBER OF CREDIT CARD ACCOUNTS THAT I CAN OPEN IN TOO YEARS?

-WHAT IS, ACCORDING TO YOUR INFORMATION, THE NUMBER OF CREDIT CARD ACCOUNTS OPENED BY ME IN THE LAST TWO YEARS?

I need this information to know when I can apply for another card, and check the data used by CHASE to make the rejection decision. CHASE refused to answer my questions and rejected again my application, although I have an excellent XXXX  credit score of XXXX  ( the credit score range is 300 850 ). I complained to CFPB, on XX/XX/XXXX, complaint number XXXX-XXXX. Instead of answering my questions CHASE resubmitted the previous rejection letters. 
In this complain I want to provide additional details to my case. I have a CHASE Freedom credit card, since XXXX. CHASE asked me to advertise their credit cards to friends. I did that, and received XXXX XXXX bonus points, in XX/XX/XXXX. Please see the attached credit card statement. In other words, CHASE trusts me, and offers a credit card to a friend of mine, but refuses to issue a credit card to me! This is absurd, and it proves CHASE denies cards to avoid honoring the bonuses. 
Please note, in XX/XX/XXXX CHASE rejected my application for a XXXX XXXX credit card under the same pretext. This proves a pattern of misbehavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cornerstone Holdings, Inc.
State: HI

Complaint narrative:
A few years ago I cancelled my phone contract with XXXX because I found out it was cheaper if I just bought a pre-paid phone. Well in order to get a pre-paid phone and get out of my current phone contract I had to pay off what was left on my current phone contract. I'm pretty sure I was told I paid off everything with them. Later my card information must have not been taken or rejected because I found out I had money in collections. I wasn't able to find out that I had an unpaid debt because I had changed phone numbers! I have never had any problems with paying my credit on time or debt problems of any sort and I hate that this is on my credit record and I want it off if any way possible. 

The creditor that was trying to call me but was calling by previous cancelled number was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX The phone company I had cancelled with but couldn't contact me because they were calling a canceled number was : XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX My credit collection opening date was : XX/XX/2015 The collection amount I paid of on record at XXXX XXXX is : {$110.00} ( However, I remember paying way more ) My current phone number is : ( XXXX ) XXXX I want this off my record as I genuinely was not able to be contacted for years because they were trying to contact me at the wrong number. I didn't find out about this until got an account with XXXX and saw it on my record. So I ended up having to call them from my new number. 
Thank you so much for your help. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2018 I called to dispute an account for XXXX XXXX to be removed from my account, due to FAILURE TO COMPLETE PROPER INVESTIGATION. 

I spoke with, XXXX. 
I asked for proof of VERIFICATION. 
XXXX stated he was NOT REQUIRED BY LAW to give me any PROOF of investigation. 
I asked him how did he VERIFY the account? 
He REFUSED to tell me. 
After asking repeatedly, he finally said, WE ASK IF THIS ACCOUNT IS ACCURATE and the creditor says ; YES OR NO. 
He also told me that EXPERIAN CAN NOT AND WILL NOT REMOVE THE ACCOUNT, because the creditor says it belongs to me, REGARDLESS OF INACCURACIES.. 
Which is AGAINST section 609. 

The company in dispute is reporting inaccurate number of terms on the account being reported. They are also reporting monthly missed payments on a CHARGED OFF 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 2018-12-09 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've called the credit bureaus, sent certified letters, fax, uploaded documents to no avail. I've been a victim of identity theft. I apply for a small line of credit and was denied, i received my report and noticed several inaccurate accounts, names that aren't mine, and accounts that flat our weren't mine either. I took the proper steps to secure my info, froze accounts to my reports as well as adding a fraud alert. I do recall being informed my XXXX  that my license, ssn, and a credit card that i had on file for one of their credit monitoring products that i has years ago had been compromised. Then i also remember that i was on of the millions of South Carolina residents that were affected by the SC Tax breach in 2012, needless to say my info was probably all over the place. Knowing all this i contacted each CRA for an investigation, i was usually on the phone with a representative from an outsourced location in XXXX or the XXXX, which i dont understand why, when i live in the USA, and i know other countries have access to my information as well. The CRA 's haven't responded with anything related to a proper investigation, what i have received was computer generated letters saying that the alleged accounts have been verified.

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 2018-12-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I wrote a letter in XX/XX/2018 to Ditech requesting a modification of my mortgage for a few months. In XX/XX/2018 I was approved for interest only payments which I paid. In XXXX I was told that Ditech reversed their decision. I tried calling several times to find out about this change in the decision and asked to speak with a manager. Instead I was only referred to customer service reps. The company provided no last names of employees and has no voicemails. In addition, are these customer service reps qualified to make decisions on these important matters? I then received a refinance package that I did not request. This would would allow Ditech to charge additional fees. I believe this company is a predatory lender. I reported this to the South Dakota Dept. of Labor and Regulation/division of banking. They forwarded my complaint to Ditech but I have heard nothing to date about this matter. I have had my house on the market since XX/XX/2018. My current tenants have not paid rent and I need time to vett new tenants, hence the request for a modification for a few months. Refinancing is not appropriate for me at present but this is the only option that was offered so that more fees can be collected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a Bank account with TD Bank and have been loyal to them for many yrs. Back in XX/XX/2018 I had opened a joint account for my wife and was offered a promotion cash card from TD where it would give XXXX cash back whether it be towards statements or rewards along with an XXXX XXXX XXXX. Promotion only applies if card is used at 500 or more within a 90 day window given the promo period. I had asked the rep during our sitdown if this would apply towards balance transfers as I had transferred a balance of 5000 over and she explained it would. After waiting a few months, I had called into TD customer service and explained i have not received my rewards and the rep on the phone explained there was a wait after the 90 days to receive the XXXX XXXX in the mail. I don't recall the specific detail as far as the time frame on the delivery but the there was a window period referenced during conversation. A few more months go by and still have not recevied any reward as promised and asked one of the tellers in the XXXX branch during a visit and explained it would have to be redeemed online. Being upset already, I went online to tdcardservices and did not see anywhere that I could redeem my reward and called in XX/XX/2018 and spoke to the card rewards dept. I explained the situation to the rep on the phone and she had apologized for the inconvience and explained she would speak to a manager in reference to the rewards promo. After a few moments, the same rep explained that the balance transfer does not apply towards the promotion and I would have to speak to the branch manager to help me in this situation. Being very upset at this point that the representative on the phone was unable to help me and giving me the run around and not offered the promotion as promised, I am very upset at this point and filed a complaint and to the point where I may close my account with TD bank account. I do not want to see someone lose a job over a situation like this but if you are providing false information intentionally and not being upfront honest simply for a commission spiff, then that is a company I would not like to do business with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: KY

Complaint narrative:
Westlake financial bought out my loan on my XXXX  i make my payments on time but they call me all through the day and night even on Sunday 's wanting me to give my bank account information so they can automatically withdraw the money I don't trust them so I send a personal check and they keep saying if I don't give my info they are going to report my XXXX  and all payments are current and I have the checks to show it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CT

Complaint narrative:
I have had multiple accounts populate on my credit report and have tried contacting all companies and each on is passing me along to the other and is not giving any information on the collection. XXXX XXXX is also report multiple late payments however no bill was ever received and I have no knowledge of missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
During the month of XX/XX/XXXX, we were set to refinance our 1st and second mortgage, aka HELOC ( quicken/XXXX ) loan. We called quicken to request a pay off and was told this would arrived via XXXX, which it did not. The closing was set for XX/XX/XXXX and included the pay off of our HELOC, however this did not happen. As a result, confusion of the payoff and payment became an issue. Although the pay off was sent secure email, this was not sufficient according to our loan processor. This is an erroneous error that caused grave consequences in our family 's attempt to move forward after experiencing a financial set back after hurricane Harvey XX/XX/XXXX. 
Our property remains in a disaster affected area but quicken loan has reported a 30 day late payment twice during this time. We ask quicken to rectify this as soon as possible. 
In addition, this is the second time we ask quicken to address the issue of payments during families effort recover from Hurricanes as we do what we humanly can to get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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've called the credit bureaus, sent certified letters, fax, uploaded documents to no avail. I've been a victim of identity theft. I apply for a small line of credit and was denied, i received my report and noticed several inaccurate accounts, names that aren't mine, and accounts that flat our weren't mine either. I took the proper steps to secure my info, froze accounts to my reports as well as adding a fraud alert. I do recall being informed my XXXX that my license, ssn, and a credit card that i had on file for one of their credit monitoring products that i has years ago had been compromised. Then i also remember that i was on of the millions of South Carolina residents that were affected by the SC Tax breach in 2012, needless to say my info was probably all over the place. Knowing all this i contacted each CRA for an investigation, i was usually on the phone with a representative from an outsourced location in XXXX or the XXXX, which i dont understand why, when i live in the USA, and i know other countries have access to my information as well. The CRA 's haven't responded with anything related to a proper investigation, what i have received was computer generated letters saying that the alleged accounts have been verified.

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 2018-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/18 Capital One 360 allowed an online unauthorized debit card payment to XXXX in the amount of {$2400.00}, overdrafting a checking account that was not opted in for any overdraft agreement between myself and CapitalOne360. I disputed the item as fraudulent and was given the disputed amount back on XX/XX/18. On XX/XX/18 CapitalOne360 reversed the credit again unlawfully overdrawing the checking account to {$2400.00}. On XX/XX/18 I disputed the unauthorized amount again as fraudulent and was told I may or may not be allowed to dispute a second time. I inquired about my having never opted in to overdrafts on the account in the first place and the representative would not appropriately answer my questions and only preferred to confuse the situation by not looking back to the original overdraft date of XX/XX/18. This overdraft was not only fraudulent but was unlawfully taken on an account not secured by overdraft protection agreement and also surpassed the daily threshold amount on ACH payments regarding online debit payments for a simple checking account without any regard for contract or statutory legal limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was looking to get a scooter with the cash I had on hand somehow I ended up with a motorcycle with a {$10000.00} price tag. The sales person got a credit line of {$10000.00} for me from the bank. the bank was capital one and XXXX XXXX. I know it was my fault, to begin with, to trust these guys, I didn't realize until I realize that I have to make the monthly payment on a motorcycle that is not even suitable for me. So I contacted the bank and asked them to take the motorcycle away and to settle the account. I tried over and over again but they never showed up to pick up the bike. I had cash {$3000.00} when I first started looking for a scooter but at the end, I ended up with a {$10000.00} debt. I even asked them to let me sale the vehicle to someone, but they will not release the lien. 
if you need more account detail please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wasn't near a computer to check my account as I was out of town. {$1000.00} in overdraft fees in 35 days. Starting from XX/XX/2018 thru XX/XX/2018. 
I went to Chase Bank branch on XXXX and XXXX in XXXX XXXX, CA on XX/XX/2018. 
Sat down and the gentleman reversed 4 of the charges and said more were getting reversed as it processes. This was an obvious mistake on my part and Chase is taking advantage over me by shoeing me out the door. Also I didnt want overdraft protection but when I opened my account She said its mandatory but as soon as I opened an online account I can switch it off. I was NEVER given the opt out option. Also never informed about debit card coverage that I didn't know existed but says I'm opted in? Please help!!

Company response to consumer: Closed with monetary relief