vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
My XXXX credit report is showing Southwest Systems LLP brought a closed account from original creditor XXXX of {$690.00}. My account with XXXX closed in XX/XX/XXXX. In XX/XX/XXXX, I moved from XXXX XXXX XXXX, XXXX XXXX, MD after separation from my ex-spouse. The account was closed and satisfied. 

A new account and account number was established at my new residence XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX. 

When my ex-spouse XXXX XXXX and Son XXXX XXXX, XXXX established a account with XXXX, XXXX reopened the original account at the residence of XXXX XXXX XXXX, XXXX XXXX, MD. 

In my attempt to acquire Credit in XX/XX/XXXX, it was determined that this was showing again on my credit report. This is when I contacted XXXX, XXXX Fraud Unit regarding the matter. XXXX informed that the account was inappropriate reestablished.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I went on free credit report to get my credit score and it was brought to my attention that there is a mortgage loan on my credit and school debt now I've never took out a loan from these company 's this is the first time I have ever had to go thru this so I dont really know how to fix it. Please help me

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 2018-04-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
I pay all my payments but now they are paying me ghostly charges that I do not know what that {$260.00} colleague is and they say that if I do not pay them they will send me to collection and I do not know what to do because I paid too much for the ( Breach ) of 2017 of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i am writing you today because i was shocked when i looked at my credit report and saw that you are reporting me 30 days late on XX/XX/2018 
i am a senior citizen and i need my credit to be in good standing i am a business owner and i want to apply for a loan but your reporting is hurting my ability to obtain a loan. 
i dont remember missing a payment the only thing i can think is that my statement didn't get to my mailbox, the mailman might of dropped it off in the wrong mail box.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: UT

Complaint narrative:
I have been a customer with Capital One for over 13 years. Recently I applied for a consolidation loan to get my interest down so I was able to pay off this card IN FULL. I had been in contact with them around the week of XX/XX/2018, letting them know that I would be paying the full amount of {$4500.00} at the beginning of XXXX and if it was possible to waive the {$25.00} late fee. The woman said that " it wasn't an option. '' However she did inform me that after the payment was received they would review the fee again. 
I paid them in full on XX/XX/XXXX. I called and again on XX/XX/XXXX and was told, " there's nothing i can do. '' Not only was I charged a late fee, but the interest was also applied at {$58.00}. 
I called again the same day asking to speak with someone else. The gentleman was nice but he couldn't do anything either, other than file my complaint. 
Now I have received a new statement for XXXX. When I only initially owed {$25.00} ( the late fee I was contesting ) my new statement has me owing a whopping {$61.00}. I was charged {$36.00} for {$25.00}?!?!?!?!?! 
I plan on calling and complaining again today. However, I doubt I'll see any action, since I never even received a confirmation email from Capital One from my previous complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 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: MO

Complaint narrative:
Transunion is refusing to re-add an account that should have never been removed in the first place I will continue to make complaints until this is done. I made a complaint about Transunion and XXXX   I'm confused as to how XXXX got the issue resolved in less than a week yet I've called Transunion over 7 times and made 4 complaints. See XXXX 's comment below We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that you have been an authorized user on your mothers credit card and for some reason it was removed from your credit report. You would like the account added to your credit report. Per our phone conversation, we are in the process of re-adding your authorized user account to your credit report. Upon completion, the result summary will be provided to you for review and confirmation. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal.

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 2018-04-25 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: NC

Complaint narrative:
I disputed two accounts under the name XXXX XXXX XXXX with them directly on XX/XX/2018. I requested validation from this company to include the signed application, signed lease, break down of all charges, payments and communication logs. I finally received a letter back from XXXX XXXX XXXX that only included a typed bill for over {$7000.00}. These accounts/collections are false and erroneous reporting. I've never resided at this address and am actually XXXX XXXX military. I've already sent a letter to equivalent with these papers and have heard nothing back. But it's still reporting negatively on my account. I do not think me asking for a lease to an apartment I'm being accused of oweing is absurd to ask for. I'm now asking CFPB, FTC and the XXXX to step in. 

I'm attaching a copy of the paperwork from the credit collection company to support my claims. 

I'm demanding this be deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion is reporting an account on my credit report on behalf of XXXX XXXX XXXX. The account which did not arise out of a written contract or agreement is now being showed to be owned by me. XXXX is listed a XXXX XXXX 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 2018-04-25 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: NC

Complaint narrative:
I disputed two accounts under the name XXXX XXXX XXXX with them directly on XX/XX/2018. I requested validation from this company to include the signed application, signed lease, break down of all charges, payments and communication logs. I finally received a letter back from XXXX XXXX XXXX that only included a typed bill for over {$7000.00}. These accounts/collections are false and erroneous reporting. I've never resided at this address and am actually XXXX XXXX military. I've already sent a letter to experian with a copy of what I was sent and have heard nothing back. But it's still reporting negatively on my account. I do not think me asking for a lease to an apartment I'm being accused of oweing is absurd to ask for. I'm now asking CFPB, FTC and the XXXX to step in. 

I'm attaching a copy of the paperwork from the credit collection company to support my claims. 

I'm demanding this be deleted ASAP.

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 2018-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
I was attempting to file my annual re-certification for my IBR program with AES, but the online link to the IRS was not functioning. I called in to AES customer service and they said I could file the paper version, but it would take longer and therefore I would possibly receive a bill with the ( exorbitant ) default repayment rate as an amount due ; if that happened, I was instructed to pay the usual amount until I received a bill with the corrected IBR rate. I promptly filed the paper docs, as well as continuing to attempt the online link to the IRS until it finally worked. However, my next bill indeed went from about {$300.00} to over {$1100.00} due, so I checked online at AES and my IBR had completed and was increased to about {$500.00}, so I paid the {$300.00} as instructed and waited to receive a print bill with the new amount listed. The next bill, however, was for nearly {$2000.00}, plus late fees, with a threat of collections.

Upon calling in again, I was told that I was late with the IBR papers ( when they should have had records showing I was clearly not ) so I was on the hook. They eventually claimed that I could resolve the issue with a forbearance. They offered no other relief and refused to eliminate the late fees, so I said go ahead. However, what they actually did instead of eliminating the overbilling ( about {$600.00} ) was recapitalize all outstanding interest ( over {$2000.00} ) so they could charge interest on that as well. 

I don't know if your new boss has managed to gut your ability to handle these fraudsters, but I suspect that's what has emboldened AES to try this stunt. Thanks in advance for any assistance you can lend, but I'm not holding out much hope.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
I got a call about a debt that has reached it's statue of limitations twice ... it is an 18 year old debt ... .i called back on XX/XX/18 ... .I asked for proof and they could not provide ... they said I have a judgement against me ... and that they are going to sue me ... and I do not have any judgements on my credit report..I never got served or gotten any summons to appear in court ... .they served my credit union with papers to freeze my account and I was charged {$75.00} for legal fees from my credit union ... and when I asked for more information she said her computer not coming open and she's looking at another screen and then..they acted like they couldn't hear me any more and just hung up..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX is reporting an account on my credit report on behalf of Portfolio recovery associates. The account which did not arise out of a written contract or agreement is now being showed to be owned by me. Portfolio is listed a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Phoned Wells Fargo Bank asking why they did a hard hit on my XXXX credit file then removed it. They could not give me an answer. I mentioned I recently applied for credit with a soft hit which did not use Wells Fargo Bank. They use XXXX XXXX. No reason why Wells Fargo Bank created a hard hit then removed it. It will remain on my XXXX report for two years according to 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 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I did not authorized the hard credit checks ; by company

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 2018-04-25 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase credit card company charged a XXXX dollar membership fee on a lost credit card. The Chase then filed a 30 day late with the credit bureau against this card, that was no longer in use. They stated they sent new cards on XX/XX/XXXX that were never received. When i reviewed the address, it was incorrect. Credit history shows card open since 2006, with no late payments and a credit line of XXXX with a XXXX balance. Chase has agreed to refund the late fee, but states there is nothing they can do about the 30 day late reported to the credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 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: DISCOVER BANK
State: WA

Complaint narrative:
I purchased merchandise which ended up being not as described at time of purchase. By the time I realized the merchant had explicitly misrepresented their product it was too late to return said product. The particular misrepresentation makes it impossible for me to sell said merchandise. 

I gave an accurate description of the sellers misrepresentation/fraud to discover, and provided evidence. However, Discover failed to protect me from the merchant 's fraud/misrepresentation. 

I purchased a phone from XXXX which I was explicitly told by a XXXX representative was factory unlocked. This was a blatant like on part of XXXX. The phone is riddled with spyware implanted by XXXX which I can not disable. There are major security flaws I can not remedy due to XXXX 's fraud, deceit, and blatant misrepresentation. 

XXXX provided no evidence to refute my claims. The evidence they provided simply shows I received the phone, which was never an issue in the first place. I've never claimed I did not order, or did receive, the phone. Discover ignored this entirely and adjudicated my dispute erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
I reached out to Credit Central LLC in XXXX with a certified letter dated for XX/XX/XXXX. It was sent out a few days later. I received notification that it was signed for. They failed to respond to letter or even offer me any settlement offers on this account. This account has been on my credit report since XX/XX/XXXX, and I wanted to settle the debt for {$92.00}. Thee original balance on this account was {$180.00}. 
According to me credit reports that I get faithfully ever month, shows them still reporting to my credit as of XX/XX/XXXX making my account a charge off/ charge off bad debt. 

Over the past when I have been dealing with Credit Central they would harass you for payments but the second an account gets closed and you want to offer a settlement on the account they act as if they don't know who you are. I am the same person you took money from prior to this. Pretty much this company is refusing to settle a debt. They rather jeopardize someone credit then try to let the consumer correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc
State: CA

Complaint narrative:
I received a letter from Northland Group in reference of XXXX, account number XXXX. A debit that Is not mine, I would like that Company to verify the debt with my signature, and the original date of the debit. But they sent a letter stating the debt was closed. I state the debit does not belong to me, they have ignored my letter, Please send me the original contract of the debit with my signature verifying the debt, and I am suspect of the date of the debit, it is a 2008 debit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 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: IL

Complaint narrative:
I was affected by the data breach and my information was compromised. I also had a mixed file. I have taken the additional steps an placed a fraud alert on my reports. I have disputed this information with all 3 bureaus and the information has been removed from the other 2. I never applied for credit with these companies nor did I authorize any to pull my credit.

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 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
XXXX XXXX posted a charge off of {$480.00} on my credit report and this is not my account on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have received a check of {$1900.00} from a company on Thursday, XX/XX/XXXX and i deposit the next day in my bank of america account on XX/XX/XXXX and they said {$300.00} available that day and the rest of {$1700.00} available to me Saturday XX/XX/XXXX.

The check was fraud and bank notified me on XX/XX/XXXX and i already used the money for this company buying XXXX cards of {$1900.00} on Monday XX/XX/XXXX. THE BANK WONT GIVE ME THE MONEY BACK. I WAS NOT AWARE THAT THIS CHECK WAS FRAUD.

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 2018-04-25 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CO

Complaint narrative:
For XXXX this past year, my parents bought and gave me a XXXX gift card worth {$100.00}. When I tried to use the card, I was told that the balance was {$0.00} even though I had not previously used it. When I called XXXX, they told me that a purchase for {$99.00} had been made at a XXXX XXXX in Florida. I did not make this purchase. Somehow, card information was stolen and used. XXXX told me to file a fraud claim and submit the relevant paperwork ( proof of purchase ), which I did. I was then contacted by Blackhawk Network, who I assume is contracted out by XXXX to handle these types of claims. Even though I had already submitted a copy of my father 's bank statement showing the purchase of the XXXX gift card, Blackhawk Network asked for the receipt. I told them that my father did not keep the receipt. I recently received a letter from Blackhawk Network saying that, because they did not receive the receipt, they " are unable to validate [ me ] as the cardholder. '' ( I already submitted to them a picture of the front and back of the XXXX gift card. ) They said that my request is " considered invalid and no further action will be taken on [ their ] behalf. '' After receiving this letter on XX/XX/2018, I called Blackhawk Network, and the only option is to leave a message ( I can not reach a live person ). They said that my call would be returned within 24 hours. To date, I have never received a call back. Blackhawk Network and XXXX are engaging in unfair business practices and abusing consumers. This is not right, and they should be held accountable.

Company response to consumer: Closed with monetary relief