vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently had two companies put a inquiry on my credit Experian credit report unauthorized on XX/XX/2018.

XXXX XXXX XXXX XXXX : Address XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone : XXXX   I contacted this Bank and spoke with several departments and they said they do not have any application on me and that they don't know who pulled my credit and refused to give me a letter showing that, so I could give to Experian because they said they cant give me a letter due to I haven't filled out any application. I don't understand why my credit was pulled by them in the first place. I want this removed from my credit and have exhausted every other option and Experian suggested I contact y'all.

XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX  Phone : XXXX Never heard of them before, will not answer the line given above. This company seems to be a scam artist. I have called everyday and a ladies voicemail name XXXX  is all you will get. They were not authorized to pull my credit. I need some help here.

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 2018-09-26 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:
XX/XX/XXXX, I contact ( online ) XXXX  ( frozen ), XXXX ( frozen ) and Experian to freeze my credit report. Experion declined my request without an explanation. Stating I would be required to send all source documents by regular mail. I have always paid on time, paid in full and closed all accounts - except for two recent credit cards. My FICA score is XXXX. I dispute two areas on my report - spouse and address! All loans and contracts co-signed or co-owned with ex-wife ( divorced XX/XX/XXXX ) were paid on time, paid in full and closed! Why does her poor credit history still negatively affect my credit report after seven years? I was the sole owner of XXXX XXXX XXXX XXXX, NY. Which I sold XX/XX/XXXX. Mortgage was paid on time, paid in full and closed. I moved toXXXX XXXX XXXX XXXX XXXX XXXX, NY. The home is a residential three story home, on seven acres of hardwood swamp ( not a gymnasium or commercial property ) The home is paid in full, with a clear/clean deed, recorded with XXXX County Dept of Records, NY. Property is solely-owned by a XXXX XXXX. Previous Owners must have filed for bankruptcy? I have never known or meet previous owners! What does thier past financial history have to do with my credit report? Why is it easy for Creditors to report/record false data on my credit report - and so hard for the debtor to correct/remove erroneous information? The Consumer Financial Protection Bureau is the only agency standing up for all the disenfranchised! I thank the CFPB reguardless of the outcome involving this dispute. Note : I viewed my credit report with Experian.

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 2018-09-26 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: VA

Complaint narrative:
I checked my credit report and saw fraudulent accounts XXXX opened on XX/XX/XXXX for the amount of {$490.00}, XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$13000.00}, XXXX opened on XX/XX/XXXX for the amount of {$300.00}, XXXX XXXX opened on XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX in the amount of {$430.00} and XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$1000.00}. I have disputed the above with all three credit bureaus. The above mentioned are still being reported as negative accounts trying to collect funds. These are not my accounts and under the Fair Credit Reporting Act, these fraudulent accounts need to be removed. The company I have hired to handle this issue has recently informed me that an identity theft affidavit has been sent off.

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 2018-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have loan with Sallie Mae and I got behind they dont want to try and help reduce my payments they call constantly and have been contacting people that I am in someone associated with leaving them a bunch of messages as well ... I try to pay with them and they pretty much set me up for failure and I am soo sick of dealing with them ... they call one of my husbands cousin whom we are not close with at all. Its getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/2018 I mistakenly made a purchase at XXXX using PayPal 's payment system. Paypal used my debit card on file. Once the mistake was discovered, XXXX immediately refunded my debit card through Paypal within two hours of the purchase cancellation. The refund is sitting in Paypal 's account but they refuse to send the money back to my debit card until 30 days has expired. This arbitrary timeframe of 30 days before they will apply the funds back to my bank account is excessive. It feels as though they are holding the money/refund to gather interest and a profit before putting it back in my account. They are causing an overdraft situation because of their excessive timeframe to return funds back to the debit card and bank account associated with the debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: VA

Complaint narrative:
I checked my credit report and saw fraudulent accounts XXXX opened on XX/XX/XXXX for the amount of {$490.00}, XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$13000.00}, XXXX opened on XX/XX/XXXX for the amount of {$300.00}, XXXX XXXX opened on XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX in the amount of {$430.00} and XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$1000.00}. I have disputed the above with all three credit bureaus. The above mentioned are still being reported as negative accounts trying to collect funds. These are not my accounts and under the Fair Credit Reporting Act, these fraudulent accounts need to be removed. The company I have hired to handle this issue has recently informed me that an identity theft affidavit has been sent off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I deposited a check on XX/XX/XXXX. The bank placed a hold on it without notifying me by email or telephone. They subsequently bounced 8 transactions based on that hold. The hold was ostensibly because they " received notice from the paying bank that the check may be dishonored. '' They refuse to provide proof of such notice and have used this excuse in the past on other large deposits to incur fees for uncollected and dishonored funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I enrolled myself in a work-out program with a reduced interest rate. Part of this program is the requirement for automatic Debit payments. Last year they " accidentally un-enrolled '' me from automatic payments. Then realizing their mistake they put me back on the automatic payments. Now this year they have un-enrolled me from automatic payments again and now say I have missed three payments that I never should have missed. I did not cancel the automatic payments, I should not have to pay a penalty because of something they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: KY

Complaint narrative:
Capital One is furnishing inaccurate information related to 2 closed accounts. Here are three specific issues : 1 ) Capital One responded to previous complaint on 9/25, but did not provide any information related to my Savings Account.

2 ) I understand that Capital One can close an account for whatever reason they want but they have not addressed the Closure Status of the Account. It currently says 'Closed for Cause ' Savings account was not used with no transcations the in the last 4 months. Checking account was hardely used at all.

3 ) These are personal accounts not business accounts. Referring to this as a business checking is not correct. This is affecting the accuracy of my report as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I disputed a charge of {$520.00} from a vendor that rented me an apartment for a vacation rental. Barclays has never addressed the points of my dispute. Instead that just keep saying they can't override the vendor terms and conditions that I agreed to. But, they have never provided proof that I agreed to the terms and conditions.

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 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was contacted by XXXX with XXXX XXXX and XXXX on XX/XX/XXXX at XXXX CST. The number she called from is XXXX. She left a voicemail stating there was a civil matter that their client had turned over to them. I called back the number and no one answered, only a message stating that the XXXX XXXX person I was trying to reach was unavailable. This morning, XX/XX/XXXX at XXXX CST XXXX called and thanked me for calling back. She confirmed my name and last four of my social, then stated that she had to put me through to the firm 's Senior Partner because she did not have access to my file. I was on hold, then greeted by XXXX XXXX who stated he was with XXXX XXXX and XXXX. He went on to tell me that GE Capital was one of his clients and there were outstanding balances for XXXX XXXX XXXX and XXXXXXXX XXXX. He stated the balances for the two accounts totaled {$3400.00} which included fees and interest. He stated they could remove the fees and interest which would bring the total to {$2800.00} or if I was able to pay a lump sum he could bring it down to {$2100.00}. I advised that I had never had those accounts in my personal name, but in a company name that I used to own which was long ago so I asked him the date of the debts. He stated that XXXX XXXX XXXX was from XXXX to XXXX and went to non payment in XXXX and that the dates for XXXXXXXX XXXX was the same. I advised him that I had stepped away from the company in XXXX and it was no longer in business and I was not in a financial position to pay the debt, therefore if the company chose to take legal action to do so. He said he needed to make me aware of the options, and stated that I would be served. He asked if I wanted to update my current address for said lawsuit to be serviced and I stated " No, you all can find me ''. I then searched the statute of limitations for credit card debt and discovered that it is 4 years from the past due date for a company to sue a consumer for credit card debt. Mr. XXXX ( er )? misrepresented the law in this matter. Although he and XXXX were both polite, it isn't acceptable or legal to threaten a lawsuit for an 8 year old debt, therefore I feel he needs to be reminded of his limitations as a debt collector.

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 2018-09-26 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: FL

Complaint narrative:
Attempted to validate alledged debt with XXXX XXXX Acct # XXXX with all 3 bredit bureaus and they failed to provide the proper validation documents requested. On top of that the information on the report in regards to the alledged debt is very incorrect. 

I can point out the the ORIGINAL CREDITOR was XXXX XXXX and it also states that the account is in collections with a collections agency. If that is the case, under the guidelines, the balance reported should be {$0.00} ; which it is not on the credit reports ( a snip is attached for you to review ). 

Also, a validation letter came from a company called XXXX XXXX who claims they now own the alledged debt. Also in the letter they provided a copy of the bill which states the amount due is only {$1700.00} and on the credit report it is different along with the amount that shows on their validation letter. None of this information matches up and the line item needs to be taken off immediately. 

XXXX XXXX or XXXX is a third-party debt collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including improper contact or sharing of information and threatening to take actions that can not legally be taken. 

As of XX/XX/2017, the XXXX XXXX XXXX reported 508 closed XXXX XXXX complaints over the previous few decades, including 231 closed complaints over the past 12 months. Nevertheless, the XXXX   provides XXXX an A+ rating. Additionally, XXXX lists 37 XXXX complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, eight alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act.

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 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I closed my account with XXXX 6 months ago, paid off all balances in full. This morning, I received an alert that I owe XXXX on the card. 

XXXX attempted to charge the card a dozen times, and on the final attempt, XXXX allowed the payment. I stated to them on the phone when I closed the account, that no charges should be further allowed, and they acknowledged that in the affirmative. 

XXXX has admitted their mistake, but XXXX has taken no responsibility, and said it will take 60 days to investigate my claim. This account has been closed and paid off for 6 months, with explicit instruction to deny any charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-26 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: IL

Complaint narrative:
This is not a duplicate. Please read below. According to the FCRA, negative information in my credit file is subjected to a thorough investigation. Again, this information has not been verified to be true. 

In a previous complaint I disputed account XXXX which was a XXXX XXXX account financed through XXXX XXXX. I apologize for getting the account information incorrect. This account was paid and settled as the manager adjusted the price for the furniture like I said in previous statements. 

However, the problem is with the account XXXX with XXXX XXXX XXXX financed through XXXXXXXX XXXX. This information is completely incorrect. I have asked the 3 credit reporting agencies to look into this matter and re-investigate and they have not. For some reason they keep sending me a credit card statement in the mail, however, they have not been able to provide substantial evidence that these purchases were made by me. Where is the original invoice with the items listed? I have no idea what was even purchased. I have yet to be provided with any supporting documentation that shows my signature or a promise to pay agreement with XXXX or XXXX XXXX XXXX. It is very discerning that XXXX would be allowed to report incorrect information to the 3 reporting credit agencies and sell it to a collection agency. 

In 2017, XXXX actually investigated and found this account to be incorrect and deleted from my credit report. Attached you will find a letter supporting this. Moreover, XXXX has not removed this account from my report. I am truly distraught by this negative information and the impact it is having on my credit file.

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 2018-09-26 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: IL

Complaint narrative:
This is not a duplicate. Please read below. According to the FCRA, negative information in my credit file is subjected to a thorough investigation. Again, this information has not been verified to be true. 

In a previous complaint I disputed account XXXX which was a XXXX XXXX account financed through XXXX XXXX. I apologize for getting the account information incorrect. This account was paid and settled as the manager adjusted the price for the furniture like I said in previous statements.

However, the problem is with the account XXXX with XXXX XXXX XXXX financed through XXXX XXXX. This information is completely incorrect. I have asked the 3 credit reporting agencies to look into this matter and re-investigate and they have not. For some reason they keep sending me a credit card statement in the mail, however, they have not been able to provide substantial evidence that these purchases were made by me. Where is the original invoice with the items listed? I have no idea what was even purchased. I have yet to be provided with any supporting documentation that shows my signature or a promise to pay agreement with XXXX or XXXX XXXX XXXX. It is very discerning that XXXX would be allowed to report incorrect information to the 3 reporting credit agencies and sell it to a collection agency. 

In 2017, XXXX actually investigated and found this account to be incorrect and deleted from my credit report. Attached you will find a letter supporting this. Moreover, XXXX has not removed this account from my report. I am truly distraught by this negative information and the impact it is having on my credit file.

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 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received my credit card bill the other day ( around XX/XX/2018 ). It included an annual fee of {$95.00}. I called to object to the fee. Last year, the same thing happened, and a manager agreed to waive the fee if I spent X amount by a certain date. I did that last year to avoid the fee, but hadn't been billed in year 's past. This year, I called expecting the same result. Instead of agreeing to waive the fee, I was advised they wouldn't do that again this year. 

I left it at that and then spoke with my husband. We both agreed we rarely use this card. We no longer wanted it if we had to pay the fee. When I called and explained this to them, I expected them to do what another credit card company had agreed to do under these circumstances : Let the card lay dormant and not charge the fee. I'm keenly aware of the fact that closing out a card negatively impacts your credit score. Citi explained to me that they have no such practice. They could cancel this card and reissue me another. Again, this impacts my credit score.

This clearly represents a form of extortion on the part of Citi, so I feel a governing body should get involved. They should not be allowed to put consumers in this situation. The credits accumulated go towards everything to do with travel, mainly overseas. I don't do much traveling, and when I do, it's not with XXXX XXXX. We are XXXX XXXX who visit our children and grandkids in Texas via XXXX. 

I don't want their AAdvantage Platinum Select Card. However, more importantly, I don't want them to negatively impact my credit score. This shouldn't be allowed. They should let the card lay dormant and not bill me if I don't use it. This is an unfair business practice in my opinion. 

Should you need to reach me personally, I can be contacted at home at XXXX or on my cell at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, Il. 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