vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
I called this collection company after finding out that XXXX XXXX had submitted a {$50.00} debt from our now XXXX year old. At the time she was XXXX or XXXX and this was also around the time she was on our insurance. However, I believe we had declared bankruptcy. This was a copay that XXXX XXXX XXXX never EVER called about or anything. We moved in XXXX and had our mail forwarded but NEVER EVER received a bill!!! When I called this company recently, as soon as I found out this debt existed, via XXXX  XXXX alert system, I TOLD them I can easily pay the {$50.00}. They said it was too late because it was over 7 years old BUT THEY SAID IT WOULDNT go on our credit until I just saw in now, XX/XX/XXXX! Why would I not pay {$50.00}??? This XXXX XXXX XXXX is NOTORIOUS for this behavior. One simple phone call or a certified letter would have instantly solved this 7 years ago. We have always paid our co pay at the time of visit but my then minor daughter may have been told she would be billed and didnt tell me .... at least that is the only thing I can come up with. Tell me who to send the {$50.00} to!! I want this off my credit!

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 2019-11-01 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: TN

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/19 and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. Attached you will find my ID, and proof of address. 

Inquire ( s ) XXXX XXXX XXXX ( Twice XX/XX/2019. ) XXXX  - XXXX XXXX ( XX/XX/2019 ) XXXX XXXX XXXX XXXX ( XX/XX/2019. & XX/XX/2019. ) XXXX XXXX XXXX   XXXX ( XX/XX/2019 & XX/XX/2019 & XX/XX/2019 & XX/XX/2019 ) XXXX XXXX ( XX/XX/2019 ) XXXX XXXX ( XX/XX/2019 ) XXXX XXXX   XXXX XXXX ( XX/XX/2019. ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX, XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019 ) XXXX XXXX XXXX XXXX , XXXX ( XX/XX/2019. ) If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I Have sent out 4 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I Have sent out 4 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks

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 2019-11-01 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: FactorTrust, Inc.
State: NV

Complaint narrative:
In 2017, I receieved an email from the company that stated back in 2017 that my balance was reduced due to a settlement with the State of Virginia. I paid the account in full right after that. I just applied for a loan which was declined due to a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
So I attended XXXX in XXXX XXXX XXXX In Texas and before I even graduated they closed the school down. I find it a bit unfair to have to pay this loans back when they shut down the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: TN

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/19 and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. Attached you will find my ID, and a bank statement showing proof of address & inquires in question.

Inquires In Question : XXXX XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019. ) XXXX XXXX ( XX/XX/2019. ) XXXX XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019. ) XXXX XXXX XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019 ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX  ( XX/XX/2019 & XX/XX/2019 & XX/XX/2019. & XX/XX/2019 & XX/XX/2019. ) If you find the inquiries referenced above to be valid through physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

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 2019-11-01 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
harassment account from 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Reporting my account as past due for just {$12.00} when I have never been late before and my account is paid off with a current {$0.00} balance.

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 2019-11-01 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: DISCOVER BANK
State: GA

Complaint narrative:
I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX, XXXX and XXXX and DISCOVER FIN SVCS LLC with no successful resolution. XXXX, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 60 days late XX/XX/XXXX to XX/XX/2019,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 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: TN

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/19 and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. Attached to this you will find my photo ID, and a PDF bank statement showing I'm me, as proof of address.

Inquires : XXXX XXXX XXXX   XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX VISA XX/XX/2019 XXXX   XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

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 2019-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have a hard inquiry dated XX/XX/2018 that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Showing a hard inquiry on my account dated XX/XX/2019 I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Please remove any, and all fraud alerts from my Experian Credit Report. I've tried to upload the form, front ID scan, and my bank statement as proof of address many times to the upload portal but am unable to.

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 2019-11-01 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NAVY FEDERAL CR UNION reported on my credit report. I realized that this account is not mine. I tried contacting both XXXX, XXXX and XXXX. NAVY FEDERAL CR UNION with no successful resolution. XXXX. There was definitely an error on their part. I have never applied for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Wrong name on my 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 2019-11-01 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SUNTRUST reported on my credit report. I realized that this account is not mine. I tried contacting XXXX   and SUNTRUST with no successful resolution. There was definitely an error on their part. I have never applied for this 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 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Wrong name on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Wrong name on my 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 2019-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
I have a mortgage with Flagstar Bank. They offer autopay, but they will only let you sign up within a particular timeframe ( e.g., X days before your montly payment is due ). I have tried several times to sign up for autopay, but since it is not X days before the due date, they will not let me. I then get charged late fines when I don't remember to pay on time. This would be avoided if I could sign up for autopay. It appears that they are employing this policy to discourage customers from signing up for autopay so as to earn more money in late fees. I can only imagine that the same has happened to other customers.

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 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had a charge that was pending on XX/XX/2019 I transferred funds from one of my checking accounts to the checking account that had a pending charge. I checked my account after midnight and it showed a {$0.00} balance. I had my payroll got into the same account and checked again today XX/XX/XXXX first and seen I was charged a insufficient funds fee. I have had my problems with this bank charging me multiple fees and not wanting to credit them back. I put funds in the account to avoid a insufficient funds fee and still was charged.

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 2019-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
K so one of my emails got hack password changed and kicked me out completely took pictures of me my kids my wife banking info and my XXXX was hacked as while could not get it back for two and a half weeks so I decided to check my pay pal and I see 8 to 10 luge transaction of money going offshore amounts of XXXX XXXX XXXX and there are probably 4to 5 more transactions so I made new email did a data breach report said I was breach like46 times or more and that XXXX XXXX was moved in my name so I made two more email and been hack both times so I have a report out now but a lot of it seems like I being me to be a non us citizen but that's not true was born in United states of America new york

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was charged 3 late fees in 3 consecutive months XX/XX/19 ( {$29.00} )XX/XX/19 ( {$39.00} ) XX/XX/19 ( {$39.00} ) and interest. After having explained to them about having financial hardship the bank continuously kept on charging late fees on top of late fees. I dont see how on the basis of trying to make ends meet, does it ethically or humanly make sense to continue to charge a customer something they can not afford. On top of that, the last payment was made the night of XX/XX/XXXX and I was still charged the {$39.00}. I dont believe that these practices are moral or fair and would like to request the fee ( s ) reversed. A bank that operated on ethics would not take advantage of those already struggling and would at least help if asked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: OH

Complaint narrative:
My complaint surrounds the overdraft policy that Key Bank follows. When an account is over drafted by any amount, there is an overdraft fee charged AT THE END of the next business day. A personal example is, on XX/XX/XXXX I had lost my debit card for my primary checking account so as I waited for my replacement I used my Key Bank account. I electronically transferred the money that I planned on using for each purchase over to the account each time I used my card. At the end of the business day, I had transferred {$0.00} less than I had spent. I noticed this error and transferred more money to the account the following day and used my debit card for a few more transactions. At the closing of the next business day after my account was overdrawn {$0.00} my account was charged a XXXX dollar overdraft fee. The next day I realized this, and since it was my first overdraft they waived the fee bringing my account back positive. Although they do not charge the overdraft fee until the closing of the next business day, they list the transaction of the overdraft fee as the first transaction for that business day, so the day that the fee was charged, since it was the first transaction, it created another overdraft fee for the next business day after the XXXX   transaction. For someone that only keeps money that is being spent in that account, this cycle of fees will continue because of the fee being charged as the first transaction instead of the last transaction at the end of the business day.

Company response to consumer: Closed with explanation