vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 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: TN

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a voluntary repossession on the XXXX account number XXXX. ( Please see page attached from our credit report. ) Shortly after purchasing the vehicle the independent inspection that we had done revealed that this vehicle failed to meet the standards as required under the law for safety and also this vehicle fell under the rules required for the Lemon Law. We returned the vehicle within the time allotted and were told that there would be no negative reporting on our credit report, but that turned out to not be true. I had documentation to prove the vehicle was not up to standards however, these documents were lost in a house fire. This was not a voluntary repossession or a repossession of any kind. The vehicle was defective. This incorrect reporting of a repossession is harming our credit score and this line item needs to be removed from our credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-09-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a voluntary repossession on the XXXX account number XXXX. ( Please see page attached from our credit report. ) Shortly after purchasing the vehicle the independent inspection that we had done revealed that this vehicle failed to meet the standards as required under the law for safety and also this vehicle fell under the rules required for the Lemon Law. We returned the vehicle within the time allotted and were told that there would be no negative reporting on our credit report, but that turned out to not be true. I had documentation to prove the vehicle was not up to standards however, these documents were lost in a house fire. This was not a voluntary repossession or a repossession of any kind. The vehicle was defective. This incorrect reporting of a repossession is harming our credit score and this line item needs to be removed from our credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-09-25 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: IL

Complaint narrative:
I have sent out a method of verification request to the credit bureaus and all they have sent back to me was the account was verified, or that they have updated information in my credit file with the note : NOT SPECIFIED. I then sent another dispute letter regarding all incorrect, inaccurate, unverified information on the account " XXXX XXXX XXXX '' ( XXXX ). The creditor has " updated the information. I recently I have noticed that XXXX has not shown any time that I have disputed information with them in the past. XXXX  has stated that they do not provide the documents that are required for proper verification. So I am lost, if the FCRA indeed states that method of verification is indeed the credit reporting agency obligation, then why come XXXX, XXXX, and Equifax can tell me anything different?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
On XX/XX/2019, I spoke with a representative at Citibank requesting to close my savings and checking accounts. The next day I logged into my online account and saw that the checking account was closed, but the savings account was re-opened, without my permission. I then called back Citibank and they confirmed that their system had not closed my savings account, despite pledges that they had done so. This is a clear violation of my rights as a consumer, and Citibank is unlawfully trying to keep my account open.

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 2019-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: OR

Complaint narrative:
COLLECTION BUREAU OF AMERICA XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX. 

OPEN DATE XX/XX/2019 ORIGINAL AMOUNT XXXX In XX/XX/2019, I first learned that I have collection report from XXXX and XXXX. I have no idea of this medical bill / collection information at all. This collection comes from a company called COLLECTION BUREAU OF AMERICA. Therefore, I contacted COLLECTION BUREAU OF AMERICA through certified letter and requested ( received ) return receipt. The return receipt dated at XX/XX/2019. The letter I sent is debt validation letter. However, I never received any reply from COLLECTION BUREAU OF AMERICA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Coastal Credit, LLC
State: MD

Complaint narrative:
I had an auto loan with Coastal Credit. The car was repossessed in XX/XX/2019 and still has not been sold. I talked with XXXX, the account representative who is handling the account and he said that they haven't been able to auction the car due to titling issues in my state. Despite not selling the car, Coastal Credit has harassed me and all of my listed references about this account. They have shared personal information and are acting very unprofessionally. In addition, they have been using the XX/XX/XXXX XXXX XXXX system to habitually check my employment every week. Somehow, they managed to get my work email address, which I did not give them as I just started this job, and have sent me harassing emails threatening to sue me and garnish my wages, despite not selling the vehicle. I considered settling on the account because XXXX told me that once they sold the car they would refund me what I overpaid, but considering their shady practices thus far, I don't feel confident that they would be fair and give me what's owed once the vehicle is sold.I have no problem with paying my balance, however, I am requesting that this company sells the car, as they are required to do, and let me know what my final balance is. Then, I will settle my account. In the meantime, I ask that they only communicate with me in writing and stop harassing me at my workplace, and via my references.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: CA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: CA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my XXXXdit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-09-25 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: IL

Complaint narrative:
I have sent out a method of verification request to the credit bureaus and all they have sent back to me was the account was verified, or that they have updated information in my credit file with the note : NOT SPECIFIED. I then sent another dispute letter regarding all incorrect, inaccurate, unverified information on the account " XXXX XXXX XXXX '' ( XXXX ). The creditor has " updated the information. I recently I have noticed that XXXX  has not shown any time that I have disputed information with them in the past. TransUnion has stated that they do not provide the documents that are required for proper verification. So I am lost, if the FCRA indeed states that method of verification is indeed the credit reporting agency obligation, then why come TransUnion, XXXX, and XXXX  can tell me anything different?

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 2019-09-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent out a method of verification request to the credit bureaus and all they have sent back to me was the account was verified, or that they have updated information in my credit file with the note : NOT SPECIFIED. I then sent another dispute letter regarding all incorrect, inaccurate, unverified information on the account " XXXX XXXX XXXX  '' ( XXXX ). The creditor has " updated the information. I recently I have noticed that Experian has not shown any time that I have disputed information with them in the past. XXXX has stated that they do not provide the documents that are required for proper verification. So I am lost, if the FCRA indeed states that method of verification is indeed the credit reporting agency obligation, then why come XXXX, Experian, and XXXX  can tell me anything different?

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 2019-09-25 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Called 21 times trying to fix addresses on my credit file.People that answered was rude and disrespectful to me.I had credit correct information correct to access file and still the agent would not let me correct fraudulent information on credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: WA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on thXXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle from a dealership and shortly thereafter the vehicle quit running. This vehicle fell under the rules required for the Lemon Law so I returned the vehicle within the time allotted and was told that there would be no negative reporting on my credit report, but that turned out to not be true. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
To whom it may concern, This collection agency repeatedly harassed me about payments on 3 medical accounts that were assigned with them. I did not have the money and explained to them. Their response was I dont care, you owe you pay every single supervisor and manager has been rude to me from day one. I finally went into more debt just to pay them off, before I paid them they said that they would do a complete removal from my credit report and that my score would go up. They lied to me. These accounts are still showing up on my credit as closed but not removed. The credit score has not changed because they are still listed as derogatory marks. Ive called them several time after to get them to delete from my report and they refuse to do so, they are rude to me and then hang up. They keep saying they dint tell me that they would delete according to their notes. I feel betrayed and violated by medical data services. Now Im in more debt because I borrowed the funds to pay them off thinking they would hold their end, but no they are still on my report. I have a newborn son and soon I will have to find us a place to live, I can not do that with this being on my report because its keeping my fico score lower than what I need to qualify. They need to hold their end of the agreement. I paid them {$3000.00}! And now Im in a bigger hole. PLEASE someone help me get these accounts removed from my credit 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 2019-09-25 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: AL

Complaint narrative:
I've contacted you all before. I'm relocating to XXXX. end looking to purchasing e. home there. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I sew a couple of items that are not mine. These items are still on my report need to be deleted from my credit report : XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a Capital One Quick Silver credit card and it was approved on XX/XX/2019. I got my card after few days in the mail and when I tried to activate it on my phone, I could not. So I called Capital One customer care and thats when I was told that my account has been flagged or restricted for activation and will be activated if I provide them with further evidence like my license, checkings or savings bank statement and a signed copy of my SSN. Thats when they emailed me a secured link and I uploaded the documents in those link and was told that the documents will be processed in 7 to 10 business days. Today when I called them back to check on them, I was told that I have to stay on the line with them till they reach out to my bank to verify my address and I was put on conference with my banks customer care and the lady on the line with me was asking me to punch in all my bank details while she is on line. So basically they are trying to access my bank account, since they could not verify my bank statement on their own. Thats when I refused to do that and questioned that lady on the line that it is her responsibility/job to verify my bank statement. She then mentioned that I agreed to the terms and conditions and this clause is one of them. Thats when I asked her where can I find the terms and conditions, she replied that I could find it online and refused to email me them. At this point I hung up the call and decided to place a complaint. 

I will explain my situation now, I found this credit card has good rewards and I went ahead, applied and got approved. When I got approved there was no mention of any further evidence required or any query for my approval, which I was not aware till I called my card 's customer care. 
Now I am cornered by them to provide with further evidence ( Which I absolutely have no problem with ), I do not have a choice of not sending them any way because a hard enquiry has already been done on the credit and it will definitely effect my credit score. 

I may not have applied for this card, if this requisition of additional documents is mentioned or addressed during the application process. 

This is clear case of misleading the customers and forcing them to provide the docs after conducting a hard enquiry on their credit. 

By the way I already have a different open credit card account with them I wish somebody could help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 I signed up for a Capital One Savor One card, with an offer on the Capital One website for a {$500.00} bonus when you spend {$3000.00} within the first 3 months. I did spend over {$3000.00} in that time, and have been waiting for a notification that my bonus has been applied. It has now been 5 months so I called Capital One to ask about the bonus. They stated that a Savor One card offers only a {$150.00} bonus which had been added to my rewards balance, and that I must have been confusing the offer with the Savor card which offers a {$500.00} bonus. After researching the issue it was brought to my attention that there was an apparent " glitch '' in Capital One 's website offering the {$500.00} bonus for the Savor One card which I applied for. Capital One sent out emails to customers stating that they would be honoring the {$500.00} reward for customers affected by the glitch. I never received this email or the full bonus. I called Capital One again and they said again that I must have been confused with the Savor card, and that there was no such advertisement for the Savor One card, and have refused to honor the {$500.00} offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/2019 cash app allowed somebody to dispute charges with them that were fraudulent. Without further investigation on my end Cash app took the disputed funds out of my personal account, and never returned any of me emails I sent out through the app. I also disputed the fund with the my bank, and they couldn't help because of the type of platform cash app was on. They also stated since I had my card on the site I authorized the charge. I contacted Cash app on on XX/XX/19,XX/XX/XX/XX/19, and XX/XX/19. They replied one telling me " Ive passed your case along to a member of our Account Services Team who can help you further. You should hear back shortly. '' but I never heard back ever since. I think this is very unprofessional, it's left me in a deficit, and I will never promote this company again. This is so unethical.

Company response to consumer: Closed with explanation