vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion credit bureau keeps Showing a open account with XXXX which was paid in Full.

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 2017-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
Date of alleged collection payment : XXXX To whom it XXXX concern : I am filling a complaint against Gold Key Credit , Inc. Florida because I just cant seem to get any information or validation of a collection for XXXX they say I have from XXXX. Not only have they not answered my certified registered mail to them, they have still failed to provide me with the verification of the collection payment of XXXX from XXXX, they say I had. I received a computer-generated invoice telling how much is due. The date in question I was in XXXX, Florida working, not sure how I can be in XXXX places at XXXX time. 

On XXXX XXXX, XXXX I sent registered certified letters to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, FL XXXX. I have attached letter and copy of certified receipt. I called many time only to be disconnected after waiting for long periods of time. When I have gotten through which was only once, they were rude and told me just to pay it. Not giving me any information to why. 

I also sent information to all three credit bureaus. I have attached letters and copies of certified receipts for XXXX XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX, XXXX. XXXX XXXX only because XXXX and XXXX have deleted ). 

XXXX XXXX and XXXX looked at all the information I sent to them and deleted it from my credit report, however XXXX has not been so for coming. After suppling information about the company not being licensed for Florida via the Florida XXXX XXXX XXXX XXXX XXXX copy enclosed ), still nothing has been resolved and I have received no information to state otherwise. XXXX Credit Bureaus only indicate that they have spoken with and validated information to be true. Yet I still have not received any evidence to prove that fact. 

Not only have I been turned down for multiply credit opportunities because of the erroneous information. I am still not able to get them to even respond to me with information on the collection they say is actual. I am hoping you will be able to help me get the information I need. As well as getting this erroneous information deleted from my credit report. Like I said above I have attached copies of letters with certified registered receipts for both Gold Key and the XXXX XXXX. I am hoping to get to the bottom of this soon it has been going on for over a year now and I cant seem to get help from anyone. 

Thank you ahead of time for all your help.

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 2017-10-28 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: GA

Complaint narrative:
In XXXX of XXXX, I started the process of purchasing a car. I only visited and communicated with 3 vendors. Those vendors are were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. That should have only generated 3 inquiries on my credit report. I had loan pre-approval paperwork from XXXX, so there was no need to run my credit multiple times with different lenders. However, upon reviewing my credit report, I noticed that 14 inquires were generated on XXXX, 6 on Transunion, and 9 on XXXX. There were some companies that ran my credit 2 to 3 times within 2 days,  creating several entries. These inquiries were UNAUTHORIZED. I  have disputed with all three credit bureaus with no results. They have told me to contact the companies individually. I have attempted to do so with no results. They have failed to provide any documentation showing they were authorized to run my credit. The FRCA rules state that the permissible purposes for running credit are for a firm offer of credit, employment, insurance, or a court order. None of the above apply to the companies that initiated the inquiries. These inquiries are severely impacting my ability to obtain credit. Therefore, I am respectfully requesting the removal of the following inquiries from my reports : XXXX XXXX XXXX XXXXXXXX ( have never even heard of this company ) XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( ran 2 times ), XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX- XXXX/XXXX/XXXX XXXX XXXX XXXX Transunion 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/XXXX/XXXX XXXX XXXX XXXX Thank you for your assistance on 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 2017-10-28 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: GA

Complaint narrative:
In XXXX of XXXX, I started the process of purchasing a car. I only visited and communicated with XXXX vendors. Those vendors are were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. That should have only generated XXXX inquiries on my credit report. I had loan pre-approval paperwork from XXXX, so there was no need to run my credit multiple times with different lenders. However, upon reviewing my credit report, I noticed that XXXX inquires were generated on XXXX, XXXX on XXXX, and XXXX on Experian. There were some companies that ran my credit XXXX to XXXX times within XXXX days, creating several entries. These inquiries were XXXX. I have disputed with all three credit bureaus with no results. They have told me to contact the companies individually. I have attempted to do so with no results. They have failed to provide any documentation showing they were authorized to run my credit. The FRCA rules state that the permissible purposes for running credit are for a firm offer of credit, employment, insurance, or a court order. None of the above apply to the companies that initiated the inquiries. These inquiries are severely impacting my ability to obtain credit. Therefore, I am respectfully requesting the removal of the following inquiries from my reports : XXXX : XXXX XXXX ( have never even heard of this company ) XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( ran XXXX times ), XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX Dealer Services- 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 Experian : XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Thank you for your assistance on 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 2017-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
PER reg cc regulations banks are required to give adequate notice on availability of funds. Capital One bank does give such information. Per reg cc it clearly states what are next day available items for deposit. Per reg cc a bank is also supposed to inform you of a hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
This account has not been validated a XXXX has been removed from XXXX and XXXX I need this removed immediately as the company has yet to validate the Debt. 

I need them to stop reporting wrong information to the credit bureaus as false and misleading practices. Will also report to Attorney General, FTC and 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 2017-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RSI Enterprises, Inc.
State: TX

Complaint narrative:
This amount was charged off I 'm harrased over this debt I need it deleted or else I will sue the company a XXXX charge them a fee of XXXX XXXX dollars a day for holding my info. I have no contract with them what so ever and they are holding my information which is considered identity theft. Will also contact FTC, Attorney GENERAL and BBB. 
False and Misleading statements

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2017 - {$1.00} was charged to my closed credit card account When my account was requested to be closed over 3 months ago, BofA did not monitor fraudulent deposit going into my closed account for 3 months and they did not send me my final bill.

In a letter over 30 days ago, BofA stated that they will not assess any fees to my closed account till all the fraudulent deposit was reversed/expensed out and they will provide me a final bill. Then on XX/XX/2017, they went back and charged me a {$1.00} late fee and went back on their word.

The problem was BofA did not give me a final bill because there were over {$10000.00} of fraudulent credit going into my account, while they were reversing the money laudering credit with the use of my closed credit card account ... they never send me a bill saying how much I was to pay, I made assumptions the last month and mail some money in, then a statement showed up now that I still owed

{$50.00}, off course, if that 's the final bill to end this fiasco, I had made an immediate overpayment with the {$1.00} minimum interest charge included. But please, as my 3rd CFPB complaint, send me my {$1.00} for screwing with me!! ... of which {$1.00} divided by {$48.00} x 12 months = 37 % annualized interests being charged ... BofA are crooks!!!

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 2017-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This amount was charged off I 'm harrased over this debt I need it deleted or else I will sue the company a XXXX charge them a fee of XXXX XXXX dollars a day for holding my info. I have no contract with them what so ever and they are holding my information which is considered identity theft. Will also contact FTC, Attorney GENERAL and BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
To Whom It May Concern : This letter is a follow up to my original letter dated XXXX/XXXX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under NAVIENT. 
By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. please delete this erroneous reporting from my credit report I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank Lowered My Credit Limit On my Credit Card From XXXX. To now only XXXX. Limit Without Contacting Me directly by Telephone Another Issue Is that Wells Fargo Bank Is only Able To Update the XXXX XXXX For The Customers Every XXXX  Days. Wells Fargo Bank Should Update The XXXX XXXX XXXX Every XXXX Days What I 'm Basically Saying is that They are Not reporting or Viewing What 's Actually Current when The Customer Or Bank Views His or Her XXXX XXXX Since It Takes XXXX Days For Wells Fargo To Update The Customers XXXX XXXX This Has Caused My Limit To Drop Without My Consent From Wells Fargo Bank.

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 2017-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank
State: FL

Complaint narrative:
This letter is in response to your recent claim that XXXX XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. please delete this erroneous reporting. 
I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America closed my Visa credit card account and kept my rewards, which amount to {$64.00}. The Bank assured I can not log into my account to further defraud me. 

Bank of America should return the {$64.00} reward I accumulated, just prior to Bank of America choosing to close the account. 

If this can not be resolved via CFPB, it will be resolved in the Court of Public Opinion and the Local 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 monetary relief
Consumer complaint received 2017-10-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX, 2017, I mailed a letter to Equifax demanding all documentation regarding a collection account on my file with their agency, pursuant to 609 [ 15 U.S.C 1681g ], and clearly stated in my communication that this was not a dispute, but a written request for information in my file. Equifax processed this matter as a dispute, failing to provide the requested information. Even though I view this as nothing more than a stall tactic by the company, Equifax is in willful non-compliance with the Fair Credit Reporting Act. I have attached a copy of the original communication for information purposes. This account should be removed from my file immediately upon receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: TX

Complaint narrative:
I recieved an pre-approval offer for Discover It in the mail. I called to see what I was really approved and the agent told me yes! I applied and was declined. I called in to several different people for help and they told me they apologized but they cant help me get the negative credit reporting removed from my credit for Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: WA

Complaint narrative:
On XXXX XXXX, at approximately XXXX hours, I was at my local XXXX attempting to buy cleaning supplies. Unfortunately, I learned at that time that my card was declined. I had just been paid XXXX days earlier, so I knew there was some mistake. I 'd been sick and my charges were very localized to XXXX XXXX, XXXX XXXX Now, my son 's lunch money account, and that pretty much covers the charges in these last few days. When I called NetSpend using the number on the back of my card, and was not given any reason why approximately XXXX had been removed from my card, unaccounted for, and why my account -- which was XXXX years old -- was shut down. 
Several Netspend customer service reps said that Netspend was not responsible and XXXX -- their cards ' issuing bank -- was responsible. For XXXX to XXXX hours on the phone, we were transferred to customer service reps who lied outright or prevaricated. At XXXX point, XXXX customer service rep purposefully forwarded us to XXXX XXXX which requires a card number to even proceed. Ultimately, the system hung up on us as we were on the line with a XXXX rep who was listening. We also had both reps on the phone and they were caught in various deceptions. 
We were told that a check with my money -- they talked to both me and my wife -- would be sent in XXXX business days, but according to other consumers, this may be a lie : XXXX XXXX XXXX When we finally received some sort of answer, we were told that his account was locked for fraudulent activity, which is a lie. We spoke to supervisor XXXX, employeed ID # XXXX, and she indicated that XXXX is not responsible but Netspend is. Netspend said the reverse was accurate.

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 2017-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: CA

Complaint narrative:
Phone calls 4-5 times a day. 
From : XXXX to XXXX 2017 Amount for XXXX Discover Bank I have notified Discover Card on XXXX XXXX2017 to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
This is my third complaint to have my issue addressed regarding mortgage payments through USAA XXXX XXXX that are not showing on all three credit reporting agencies. All three agencies are still only showing XXXX and XXXX payments being made to USAA XXXX XXXX which is incorrect. There are payments that are still not reported which are in turn diminishing my XXXX XXXX and credit in general. I have also asked now a third time that USAA XXXX XXXX reestablish my XXXX score which has diminished due to them not reporting payments that I have cashed checks signed by their company. Once again, I am only seeing XXXX and XXXX XXXX reported. There are other payments that have still not been reported by USAA XXXX XXXX XXXX. I need all payments as they have on XXXX file that have been received by their customer. Me. I also need my XXXX XXXX reinstated as was told by another bank in which they stated USAA XXXX can yes, very well reinstate your credit to all XXXX credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation