vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I didnt open this account and the bank doesnt want to work with me at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 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: OH

Complaint narrative:
I have found in corrected information on my credit report, I do not know where these accounts came from, I have tried to contact the companies and they are not willing to help me. Below is all the details which is on my credit report. 

XXXX account number # XXXX opened at XX/XX/XXXX for {$370.00} XXXX XXXX XXXX Account number # XXXX opened XX/XX/XXXX {$3600.00} XXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX balance {$0.00} XXXX XXXX account # XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX XXXX # XXXX Open XX/XX/XXXX {$990.00}

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 2018-07-16 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: FL

Complaint narrative:
Good morning, I am writing because the short sale to close my mortgage still appears on my Credit Report. On XXXX XXXX, XXXX, my ex-husband and I opened an account with XXXX XXXX. In XXXX, we could not pay our mortgage. We ended up closing the account due to a short sale. This account has since been paid and closed. 

It is now XXXX and I am still waiting for this information to be removed from my Credit Report. I have been working hard and have impeccable credit, however, this short sale/adverse mortgage is still showing up as 'delinquent account ' or 'delinquent activity. ' It continues to negatively affect my credit score. 

I would like to please request that this old information be removed from my Credit Report. I've waited 8 years, finally got divorced, and am eager to move on with my life and be able to purchase a home for myself. 

Thank you so much for your 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 2018-07-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good morning, I am writing because the short sale to close my mortgage still appears on my Credit Report. On XXXX XXXX, XXXX, my ex-husband and I opened an account with XXXX XXXX. In XXXX, we could not pay our mortgage. We ended up closing the account due to a short sale. This account has since been paid and closed. 

It is now XXXX and I am still waiting for this information to be removed from my Credit Report. I have been working hard and have impeccable credit, however, this short sale/adverse mortgage is still showing up as 'delinquent account ' or 'delinquent activity. ' It continues to negatively affect my credit score. 

I would like to please request that this old information be removed from my Credit Report. I've waited 8 years, finally got divorced, and am eager to move on with my life and be able to purchase a home for myself. 

Thank you so much for your 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 2018-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Loan Care, LLC
State: VA

Complaint narrative:
I contracted with the Student Loan Care ( studentloancarecompany.com ) to apply the federal student loan forgiveness program on XX/XX/XXXX. They said they would pay for my loan one year instead of me, then I need to pay for them {$42.00} every month. I believed their services and I did not care well about my student loan payment. 
However, I had to pay {$45.00} every month to XXXX XXXX XXXX as well as XXXX XXXX automatically charges monthly {$42.00} immediately from my bank account. 

In XXXX, I realized my loan balance increased and paid nothing for a while. I just found the record my little paid. I have tried to contact and cancel with the XXXX XXXX XXXX XXXX, and then stop the payment to XXXX XXXX. They said I can not cancel until my paid off. I didn't understand why I have to pay them every month for my federal student loan. They did not pay for anything but gave me a damage of my credits. 
I have NOT received any services or notification from these companies for my loan payment. I was SO upset and complain them, but they are still taking {$42.00} every month from my account. I confirmed with XXXX XXXX XXXX that they are not associated with these companies. I already paid them over {$1200.00}. But my XXXX XXXX balance is not changed. 
The Student Loan Care and XXXX XXXX are defraud to threatening student finance. 

And, I am very wondering how they know my federal loan balance and personal information. I am assuming XXXX XXXX serving or XXXX leak out students ' information. 
So that they are running their business without any association of Federal government. 
I got phone calls SO MANY TIMES from this kind of companies. They said all same words to concern my loan balance and help me. It was not only The XXXX XXXX XXXX XXXX. 

I would like you resolve this problem ASAP. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT DURING THE XXXX DATA BREACH AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS FOR THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX COLLECTIONS XXXX XX/XX/XXXX not mine

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 2018-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
My credit reports are showing 2 debts with Portfolio Recovery Associates. I have sent several letters requesting that they provide proof with my signature showing the debts are valid and belong to me. They have failed to do so. They are only saying that the debts are mine and that my social security number was used. Per the Fair Credit Reporting Act, they are supposed to provide me with my signature as proof that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX I sent payments of {$200.00} each to pay for items purchased from seller. After numerous attempts to get products ordered, the seller agreed to a refund. After numerous attempts to get refund went unanswered I contacted XXXX and my Bank of America for help getting refund. Temporary refund was given to me while investigation was done. Proof was given to bank which clearly showed that the seller agreed to a refund but never gave me one. The bank apparently worked with XXXX to retrieve my funds but XXXX disputed the case by sending in proof that I made the payments. The bank then sent me letters stating my dispute was closed and the temporary credits were going to be reversed on XX/XX/XXXX and XX/XX/XXXX and i need to contact the seller. Im frustrated and angry the bank that I have been with for over 20 years does not have my back when it comes to this situation. The dispute was not whether or not I paid, the dispute was I didn't receive my goods that I purchased. So for them to dismiss my claim because XXXX sent then proof that I made the payments is simply ridiculous to me. I am a single struggling parent that does not have money like that to just let go. Im fighting because I need and my child needs my money.

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 2018-07-16 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: OH

Complaint narrative:
I have found in corrected information on my credit report, I do not know where these accounts came from, I have tried to contact the companies and they are not willing to help me. XXXX is all the details which is on my credit report. 

XXXX account number # XXXX opened at XX/XX/XXXX for {$370.00} XXXX XXXX A Account number # XXXX opened XX/XX/XXXX {$3600.00} XXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX balance {$0.00} XXXX XXXX account # XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX XXXX # XXXX Open XX/XX/XXXX {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: OH

Complaint narrative:
I have found in corrected information on my credit report, I do not know where these accounts came from, I have tried to contact the companies and they are not willing to help me. Below is all the details which is on my credit report. 

XXXX account number # XXXX opened at XX/XX/XXXX for {$370.00} XXXX XXXX A Account number # XXXX opened XX/XX/XXXX {$3600.00} XXXX XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXX balance {$0.00} XXXX XXXX account # XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX XXXX # XXXX Open XX/XX/XXXX {$990.00}

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 2018-07-16 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: I.C. System, Inc.
State: FL

Complaint narrative:
l C systems inc. bought an old incorrectly reported debt that I had removed from my credit report, ..the previous collection agency " XXXX XXXX '' inaccurately parked it on my report and I vigorously disputed this false charge and it was finally removed from my report. But now I C systems Inc changed the amount by {$1.00} and is trying to claim it as a new debt on my report! RE-AGING..

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 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC
State: TX

Complaint narrative:
XXXX FROM XXXX XXXX XXXX, HAS BEEN CALLING OVER 2 TIMES PER DAY. TRYING TO COLLECT A DEBT THAT WAS PAID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
We have a XXXX credit card through Bank of America ending in XXXX. The card has the ability to transfer balances from other cards and have a 0 % interest for about a 12 month period of time. The balance if it is not paid off will then be subject to interest if that balance that was deferred is not paid off by a set date. We have come to find out that when we make payments now to the card because a portion of that original balance has come due because the 12 month period has expired ; when we go to make a payment, the Bank IS NOT paying off the higher interest balance assessed against card. It is in fact splitting the payment so that half goes to a lower interest or deferred amount and half goes to the higher interest amount. So, what the Bank is doing is manipulating the card to their favor so that the high interest balance continues to be present even though substantial payments are being made towards the card. They are loading the higher interest bearing portion in their favor so the consumer will then be assessed the higher interest balance for a longer period of time thus manipulating the card to their favor. For example, other deferred interest cards always have the payments paying off the oldest portion of the balance so the consumer does not incur severe accumulated interest penalties. Not this Bank and not this card. It is designed to keep the balance associated with the high interest active for the longest period possible so the consumer is leveraged with the highest possible interest. This is an unfair practice and highly deceptive. The significant payments being made should be going to the balance portion associated with the highest interest first. The Bank has twisted the payment to their favor. This is wrong and I certainly did not understand this to be the case when the card was opened or when I have had extensive conversations with the Bank customer service.

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 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX FROM XXXX XXXX XXXX, HAS BEEN CALLING OVER 2 TIMES PER DAY. TRYING TO COLLECT A DEBT THAT WAS PAID.

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 2018-07-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Problem is with Bank Of America. I had a credit card with them that I did not use at all. they sent me a promotional offer of 0 % - XXXX $ XXXX XXXX XXXX limit to use for 18 months with no interest. I called a representative and they sold me on it as a no interest fee or late fee for 18 months. I accepted and used about 2000 $ with them as a XXXX XXXX. I kept checking my phone app every month and throw in a little something there ranging from XXXX $ to XXXX XXXX Last week I got an email that I have an amount due / late. I was under the impression that I should not have late fees or interest fees. I received an automated call letting me know your account is in debt. I talked to a representative last week who had ZERO knowledge ( i hope you pull the recorded call ) and she didn't know how much is the late fees or interest payment so it was a very misleading call. I paid the minimum payment required next morning - I was surprised over this weekend that my credit score dropped a XXXX points and a missed payment was mentioned!!! 
I talked to a manager called XXXX letting him know that this was a misleading info. I got while being sold on this XXXX XXXX and there was a high pressure sales on me. I asked him to conference me in with a credit analyst and he said he will file a dispute on my behalf for this credit reporting issue. He then sent me to an answering machine as they were all out. I called again and talked to a manager called XXXX and she said XXXX did not submit anything on your behalf!!! - he was deceiving me to get off the phone I guess. Then she told me there is NOTHING we can do about the credit reporting we did against you. And guess what they decreased my credit limit to XXXX $ from XXXX $ to start incurring interest. 

I need your help as I am closing on a home and this is really going to make me lose the opportunity. Does it make sense for someone who has access to cash of above XXXX $ to miss a XXXX $ payment and get a XXXX points deducted on his credit report??? 

High pressure sales and misleading info. and In-knowledgeable staff members caused me to fall for that sales pitch from Bank Of America. Unfair practices from their managers to. 

I need your help to get my credit report back to normal and have Bank Of AmericXXXX remove that report so I can close on my house. I also need any late fees or interest to be removed. I am willing to payof that whole balance and close my credit card with Bank Of America immediately.

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 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Card opened XXXX XXXX-I was employed. Needed to rebuild my credit so took this card out with annual fee. XX/XX/2013 lost my job ; I had the coverage on card if I became unemployed>whereby it picked up the payments. Secured new job ; was told I could still use card. Fast forward to XXXX-I noticed my card was 'not available ' for use. I called Capital One and was told the account was closed due to lack of home address ... my mail goes to a XXXX XXXX . Ok, so they closed my account without telling me. Then I asked for the yearly fee or a portion to be refunded and was told 'NO '. My recent conversation with them I spoke with XXXX-he told me I only had 40 days from date account was closed to request that refund. Now ( A ) I never knew the account was closed and ( B ) how come not one other agent ever told me this policy? I want a full refund of the {$60.00} annual fee. It's not my fault this company neglected to secure all proprietary information. and if the original bank who wrangled me into this account sold it off to Cap-One - again NOT MY PROBLEM. I want a credit on my account and will never ever use this bank again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the following inquiries in my report. They dont belong to me. I contacted the creditors and asked to send me proof. 
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 XXXX 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 2018-07-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My wife and I had a mortgage foreclosure in XX/XX/2011. It still shows on our credit reports and should not. The sites do not have a link to ask that it be removed. I think this is deliberate, to discourage communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Guild Holdings Company
State: GA

Complaint narrative:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : Guild Mortgage Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

Company response to consumer: Closed with explanation