vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: WA

Complaint narrative:
I applied for a credit card with Discover around the XXXX of XXXX, and my application was pending while trying to verify my current address and SSN. I did, but the site for some reason wouldn't take it and kept sending me that automated email. I finally talked to someone, and they sent me a physical card and approval and a welcome email on XX/XX/XXXX. I tried to activate the card, and they wanted IRS form 4506-T filled out, which I did and returned via email on the same day ( XX/XX/20 ). I then kept trying to activate the card and kept getting a message that they were going over that form, and to wait and that I would receive another email. Finally, XX/XX/XXXX, I get the following email : Dear XXXX XXXX XXXX, We are writing to notify you that we have closed your Discover it card account effective immediately. We regularly conduct reviews to evaluate our customers ' accounts, and during a review, we were unable to verify personal information on your account. We evaluated your account and under the terms of your Cardmember Agreement, a business decision was made to close your account. Our credit decision was based in whole on the information found on your account. 

Any Cashback Bonus or Miles rewards balance will be applied as a credit to your account, or, if the account has a XXXX  balance at the time of closure, a check will be issued. If your account has a credit balance, you may request a refund check, or one will be sent automatically after four months of the credit balance being on your account. 

We will report to the credit bureaus that the account was Closed by Grantor. Questions on how this may impact your credit score can be addressed by contacting the credit bureaus directly. 

If you have any questions, you may write to us at : Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Sincerely, Discover Corporate Security What I would like is for them not to report that the account was " Closed by Grantor ''. It was never even activated, and I never did anything wrong. This one-sided reporting will hurt my credit score for no reason, other than they think something was wrong with my info. I have since been able to receive a XXXX XXXX credit card, and my credit report is unblemished. 

I don't care if they don't want to approve my account. I just don't want them to hurt my credit score, unjustly. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: LEXISNEXIS
State: AL

Complaint narrative:
An erroneous Chapter XXXX is reporting on my credit report and LexisNexis will not provide Method of Verification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Please see CFPB case XXXX. 

Capital One, in the letter they provided ( and attached to that case as their response ) said this : " The funds were reversed and sent back to XXXX XXXX XXXX  on XX/XX/XXXX ''. 

XXXX XXXX XXXX  ( now XXXX XXXX  ) has not received these funds. Staff at XXXX XXXX  - and also staff at the account-holder 's business - have looked for return of my money ( {$650.00} ) and find nothing. 

Capital One needs to document - actually prove - they returned the funds, as stated in their letter. Capital One must provide electronic information, if the return was made that way, or document the paper check they sent back to XXXX XXXX. 

I've left 3 messages about this problem for the person who signed the letter ( XXXX ) from Capital One. I have received no call-backs. 

Summary : Capital One said they returned my money on XX/XX/XXXX : they did not. If they continue claim they did, then they need to prove that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COAST PROFESSIONAL, INC.
State: IN

Complaint narrative:
On or about XX/XX/XXXX I received a letter from Coast Professional Inc. in regards to a student loan debt and the letter was dated XX/XX/XXXX but the return address was California ( even though their communication address is in XXXX XXXX, LA it came from California my guess is so they can XXXX people over ) I sent them a letter requesting VALIDATION because the DOE is already taking 15 % of my XXXX each month plus the DOE has taken thousands of dollars and these people are saying I owe them {$35000.00}. When the original amount was about {$20000.00}. 

In XXXX Coast Professional contacted me and sent someone elses Name, SS #, address, DOB and other information to me and once I complained to the DOE it was dropped so now Im skeptical that they are trying to pull one over on me. But if they are truly collectors for the DOE why dont they know that Im XXXX and the DOE is collecting my XXXX? 

Today I received another letter dated XX/XX/XXXX threatening me with everything that has already been done to me so they waited 1 week after the first letter to send another harassment letter! On or about XX/XX/XXXX I sent them a cease and desist letter to stop all contact.

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 2020-03-06 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: First Associates Loan Servicing LLC
State: OH

Complaint narrative:
XXXX  has been reporting the Peaks private loan on my credit report for a number of years. I filed a dispute claim in XX/XX/XXXX and was never made aware of the results. At which time I reached out to Peaks by phone and by email trying to get the loan off my credit because of the scandal they were involved in with XXXX XXXX XXXX. I never received an email or call back concerning this matter. Their reporting almost did not allow me to purchase a home for my family. Now I am being relocated for my job and I have to deal with this again. XXXX  keeps reporting the Peaks loan. I disputed the loan in XX/XX/XXXX and they reported the findings as accurate and that was all that was said. I tried to contact Peaks again with no response to inquiry about my account. The Peaks website even states about forgiving the XXXX XXXX loans and I have filled out the forms for that twice and have yet to get any response. Both in XXXX and again in XXXX. Their reporting is doing irreparable damage to my credit report and not allowing me to obtain funding for housing, so that I can move to my new job location in another state. Every time I pull my credit report this loan does not show up on the report. However, every time a creditor pulls my report it shows up every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION
State: GA

Complaint narrative:
Filed account in my chapter XXXX bankruptcy. Account still reporting as open with XXXX. & Is reporting correctly with XXXX. Please make sure all 3 bureaus are accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
At about XXXX : XXXX  today ( XX/XX/2019 ), I pull a credit report showing some accounts that I have no knowledge about.An account at Discover bank with account number XXXX ...., were opened by someone with my information fraudulently. 
My friends as well as legal consultants advised me to file a CFPB complaint. So I request your investigation to the mentioned credit card. Thank for your support

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$0.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNTS -- 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my 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 2020-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My credit card along with the associated PIN number was stolen and purchases were made for over {$800.00}. I have to write down certain information as I have a XXXX and take medication that makes me forgetful and I feel Im being unfairly punished by capital one and forced to wait for them correct a problem that I reported to them right away once I realized what had happened because of it. I spoke to a representative who told me she would change my PIN number which Im extremely worried about because now I dont know what it is but I dont think she did and they also wont replace my money thats now gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: FL

Complaint narrative:
Experian refuses to investigate the fact that there is fraudulent information on my credit report. I have disputed these items, to no avail. They are in violation of the FCRA.

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 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OH

Complaint narrative:
In XX/XX/2020 I applied for a refi with XXXX XXXX NMLS XXXX with Amerisave. While working with him I was told to put a deposit down for an application fee that would cover the appraisal. I briefly reviewed a 37 page document that was somewhat overwhelming. Since going through appraisal process I have decided to go with another lender that is requesting a transfer of the appraisal that I paid for. Amerisave deceptively places a document in their paperwork stating that the {$500.00} fee is non refundable when I understood it to be the appraisal fee. Now this is placing a financial hardship on my family to cover the cost of another appraisal of {$500.00}. All I am asking is that Amerisave release the appraisal that I paid for to my new lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
I have sent this collection agency multiple letters asking for verification and they keep sending me letters thinking it is a credit repair company on my behalf. I do have proof of what they have sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've placed credit freezes with all three credit bureaus, XXXX, XXXX, and Experian. XXXX  and XXXX make the process of lifting or unlocking a credit freeze online simple and straightforward using your pin and/or log in. Not once have I had to call either bureau. Experian, however always makes this process exceedingly difficult and never straightforward. When you enter their website looking to unlock a credit freeze you invariably run into their paid " credit unlock '' services which about the same thing as the free credit-freeze. Figuring out how to unlock your freeze on the Experien site is harder than just XXXX   how to do it. After trying numerous times my pin number is never accepted and all the online steps to unlock don't work. They eventually make you call their 800 number to retrieve your pin, but the robot refuses to accept or even allow enough time to enter my ss number. Then they tell you you submit the information in writing which in this day and age is ridiculous. Why is Experian still making this process exceeding difficult to navigate unlocking a credit freeze. I'm sure I'm not alone 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 2020-03-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$0.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNTS -- 2. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my 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 2020-03-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$0.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNTS -- 2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello, Transunion, XXXX and XXXX, XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized/Fraudulent Collection & Credit Accounts and Inquiries from Credit Report under FCRA 605B CONF # XXXX I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts that are listed below. You have stated that you are working on a resolution. That was a long time ago and I am still suffering from your negligence. you have aided in ruining my credit file, harrassment from compnaies I know nothing about or have done bunsiness with. 
Thi is a a demand to ahve any and all account disputed effectively removed without prejudice. You must provide documentation as of its accuracy or remove it immediately without prejudice.

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 2020-03-06 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation