vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I went to the mall XX/XX/XXXX when I lost my wallet. I got alerted to the fact it was missing when Capital One messaged me about a charge for over 600 dollars trying to be made with my card. I went right to mall security and actually managed to talk to a cop that tried to help us with it. The thief had used several of my cards at a bunch of different stores. 

A little bit later after I was done with the cop I called Capital One and they told me I would not be responsible for any of the fraud. They canceled the card and refunded the payments. 

Early last month the payments came back. 

There were two different charges to XXXX for {$210.00} and {$400.00}, and three different charges to XXXX XXXX XXXX, {$230.00}, {$160.00}, and {$150.00}. 

This time when I called they said since the chip was used there was nothing they could do. I did not make these purchases. I have never shopped at these stores. According to their " {$0.00} fraud liability '' they shouldn't make me pay for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-02 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:
Over the past 1 year, I have been dillegently demanding proper validations of the following accounts : *XXXX  XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX I have NOT been provided the mandatory validations of these accounts which includes : * Signed and dated contracts from the above mentioned accounts * locations where these accounts were allegedly opened, representative name and contact information who opened these accounts * complete account numbers * account balances, opened closed dates These allegations are damaging my credit and causing me distress and loss of employment due to its adverse affects. 
I am a victim of identity theft in addition. 

This bureau is violating : * FCRA 611 ( 15 U.S.C. 1681 ) * FCRA 623 ( a ) ( 7 ) *FCRA section 1681c *FCRA 611 ( 5 ) ( a ) * FCRA 609 ( a ) ( 1 ) ( A ) * section 611 ( a ) ( 1 ) ( A ) I demand that these accounts be deleted immediately. Otherwise I will have no chose but to persue legal action immediately under ( Section 616 & 617 ) if you fail to comply with the FCRA. 

I have several receipts for my USPS certified mailed, notarized affadavits to this bureau demanding complete validation of these allaged accounts as well as stated that I am a victim of identity theft and that these are not my accounts. 

They have refused to validate or delete these adverse accounts/late payments from my reports. 

You are required to have a copy of the original creditors documentation on file, according to the FCRA. 

Simply sending me a generic response stating " account updated '' is not validation. 

Signed, Distressed Consumer, XXXX 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 2019-08-02 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: NY

Complaint narrative:
THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE. THIS ACCOUNT HAS HINDER MY REPORT AND I WOULD LIKE THIS OFF MY FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: NY

Complaint narrative:
THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE. THIS ACCOUNT HAS HINDER MY REPORT AND I WOULD LIKE THIS OFF MY FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
On XX/XX/2018, about three months after moving out of XXXX XXXX  XXXX apartments  in XXXX I noticed a derogatory remark on my credit report saying I owed {$97.00} in utilities and it had gone into collections. Over the 12 months of living at XXXX XXXX  XXXX apartments, I paid all my rent and other fees on time and was under the impression that nothing else was owed so this came as a shock to me. I contacted XXXX XXXX XXXX apartments and they said they had sent letters to my apartment after I had moved out which would explain why I never got any notice. 

I have also sent letters to National Credit Systems - the creditor for this debt - asking for this derogatory mark to be removed from my credit report once I pay the amount owed but I've heard nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hard inquiry placed under my name, called and attempted to explain situation they stated hard inquiry would be removed but it has been longer than 30 days and it is still on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
So my first complaint is closed that the company responded. Unfortunately I still need help as the agent they assigned to me dropped the ball. He left me a voice mail on XX/XX/XXXX that he was leaving on vacation and needed more time to research. He then neglected to return any of my calls until XX/XX/XXXX. on XXXX I logged in and see his letter in regards to the payments lost. This agent uses the words " claimed '' to refer to me as if I am lying and states they received my payments in XX/XX/XXXX. That is very clear as that is when I finally made the payments for the back months that PNC couldn't find from the online bill pay done my bank that came out of my account that they could never find. After 90 days of trying to remedy the situation I finally called my bank and had them research and cancel all 3 payments so I could do a check over the phone to catch the account up. I was charged multiple fees and this resulted in negative credit reporting. The agent never got back to me and I know that are notes on the account of me trying to remedy that solution. My credit was marked with a 30 day late and a 60 day late. This holds me XXXX to PNC as I can't refinance my mortgage with a competent bank until I have 12 months of no late payments. 

The first issue was the condo policy insurance that happened every year and he references in his claim that renewal documentation wasn't in time during XXXX. Well I am not surprised that is exactly what I told him the years of previous insurance issues were from. The HOA will not provide to the mortgage company, PNC never sends the request to me for the insurance to provide, they only notify the HOA and I am never notified until I show up as making a partial payment and then provide the insurance -- -every year this results in fees and typically a 30 day late. 

They did not remedy the situation, in fact the agent went on vacation and closed this out. I never got the follow up needed. Please help me in holding PNC to the federal regulations that they are required to abide by.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
I have a medical collection on my report that was paid thru insurance but a collection company is attempting to collect it and has put a collection on my report. I have never gotten a detail for what the debt is for even though i've 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 explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
A lease was generated for a Washer and Dryer from XXXX XXXX ( order number XXXX ) and it was for a set of blue washer and dryer. See invoice attached for the specification of both machines. 

Upon measuring my closet, I realized the machines we're not going to fit, so I did NOT accept delivery or pick up these machines. I reached out to Acima to elaborate on the issues I've had and Acima responded with a rental contract for the machines, as it is in direct correspondence of the blue washer and dryer ( see invoice for correlation ). 

Acima is wrongfully reporting to my credit bureaus and pursuing an alleged rental agreement for this blue washer and dryer which I did not receive or ever have in my possession. 

Acima is and continue to cause me stress and anxiety and refuses to comply. I also reached out to the company that created this agreement and invoice, and they refuse to work with me. 

See the invoice for the machines and notice no signature for delivery. Additionally, notice the corresponding lease agreement numbers on both documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: SC

Complaint narrative:
THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 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: SUNTRUST BANKS, INC.
State: CO

Complaint narrative:
I pay my bills every month online. One month with this particular company i paid my bill online and got notice that they received the payment only to get notice 30 days later that they never received the payment and they were putting a 30 day late pay on my credit report. I notified them that the website assured me that i did! They told me that happens from time to time and apologized but they could not change the 30 day late from my credit report. What? I have attempted to get the late pay removed from my credit report thru the bureaus but had no success so i am reaching out to you. It is keeping me from getting the best interest rates, Please help.

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 2019-08-02 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: SC

Complaint narrative:
THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-08-02 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: SC

Complaint narrative:
THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I encountered an emergency XXXX XXXX while at an urgent care center. The urgent care nurse advised I need to go to the hospital, they called an Ambulance to take me to the hospital, which was XXXX XXXX in XXXX XXXX. 
After this incident I never received a bill from XXXX XXXX. My insurance company sent a statement that they had paid a bill to XXXX XXXX for {$550.00}. I thought it was taken care of. Months later I received a notice from Grant Mercantile Collections that XXXX XXXX was trying to collect an additional {$3000.00} and had now sent the bill to collections and is reporting on my credit report as an unpaid bill. 
I spoke with XXXX XXXX, they admitted that they had the wrong address on file when sending the bills. They would not offer to take a settlement payment. They said it was too late and to contact the collection agency they sold it to. The collection agency letter still has the wrong address on the letter as well. 
This practice is called balance billing, ambulance companies are taking advantage of a situation where they can bill above and beyond what insurance covers and there is no recourse. There are laws now preventing doctors from doing this, however ambulance companies are able to. Pending new law is moving through California legislature to outlaw this practice specifically for ambulance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently made a XXXX cashout due to separation of my previous job, I received a check issued from Bank Of America a little bit over {$30000.00} and was going to use that for my sons medical expenses he has XXXX. On XXXX I went to Bank of America XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and asked to cash this check issued from them. They were rude and did not allow me to cash the check which was issued by their own institution and told me since I was not a Bank of AMerica customer they could not cash it. So now my sons medical procedures and expenses are on hold due to this. I spoke to a XXXX XXXX who was rude and told him I would be making a complaint, he continued to be rude and said go right ahead! This is the worst customer service I have received ever and they refuse to cash my check which was issued by them! 

Sincerely, XXXX 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 2019-08-02 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 — Problem with personal statement of dispute
Company: LEXISNEXIS
State: TN

Complaint narrative:
I am requesting the method the method of verification regarding an unverified Bankruptcy on my XXXX XXXX Consumer report. I initially mailed off my first dispute asking them to verify the Bankruptcy on XX/XX/2019 and they responded with it as being verified. However, I have a official letter from the Bankruptcy Court stating that they do not verify Bankruptcies or release information to 3rd party agencies or credit bureaus. So, I sent a second letter on XX/XX/2019 informing them of that and then asked them to verify it again. I got a response back saying that it was again verified directly with the court where the Bankruptcy was filed. 

I recently sent of a 3rd letter on XX/XX/2019 and have attached the actual copy of the letter from the United States Bankruptcy Court that clearly states that they do not release information or verify information with any 3rd party agency and have asked them for a method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Purchased a hard drive from best but on credit card for {$320.00} late XX/XX/2019. 
Item was returned to store in XXXX XXXX in XXXX with an email receipt. 
Telephone with email was destroyed and was unable to recover email receipt. 
Explained this to credit company and they denied me. They must have a record somewhere.

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 2019-08-02 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
XX/XX/2019 : I received a letter from Discover stating that my account was closed. The reason given was a " business decision. '' I was told that I can not be given anymore information and to write a letter to their headquarters for more information. 

XX/XX/2019 : I wrote a letter to Discover and later in the month, received communication that my letter was received. 

XX/XX/2019 : Received a phone call from the executive office and was again told that it closed due a " business decision. '' Also, I was told that I not allowed to get any more information and that they were the highest department I can complain to. 

Context about me : Never had a late/missed payment, total credit utilization is around 5-7 % on average. I have 4 other credit cards - again no late/missed payments. Credit score is around 750-800, depending on credit bureau. I have a mortgage that has been paid on time each month and equal to about 1yr of salary. I have 1 car payment, which again, has been paid on time each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: NM

Complaint narrative:
We had a XXXX representative sign us up for a loan to install windows. We were advised by this rep that the loan was 10 year loan at 6.9 % but if we were able to pay off the loan in 5 years then there would be no interest. We were given 3 days to cancel this loan through XXXX. 
It took 5 days to receive the actual loan documents in the mail from GreenSky. The documents in the loan letter stated it was a fixed rate loan of 6.99 % for ten years. There was no mention of the interest free for 5 years we were promised and the rate was also quoted to us incorrectly. 
When reading the terms of the loan from GreenSky, their terms stated we would not be charged until we provided our account number to the Merchant/Provider. This was inaccurate as XXXX had already charged us before we got the account number in the mail. 
XXXX made changes to the initial contract which lead to us choosing not to continue the transaction with them. We never made a purchase with this company but they still billed our GreenSky account. 
We contacted GreenSky to advise them of the inaccurate information provided and the services not rendered and they stated we needed to pay the amount owed on the account. 
We believe there are several violations that have occurred with this transaction. We were quoted a wrong interest and promised interest free when this was not the case. Since GreenSky allowed XXXX to represent their loan in this inaccurate manner, GreenSky should be held responsible for allowing the misrepresentation. Since we never received the product, there should be no issue with GreenSky canceling the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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:
After i reviewed my credit report, I noticed several fraudulent accounts.

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