vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am requesting in writing on Capital One letterhead once the Capital One/Neiman Marcus account is paid off, this will be removed from my credit report. This is a charged off account which means it MUST remain on my report for 7 years weather I pay it or not and it doesn't remove the account from my credit report. Clearing up the past due balance doesn't erase the fact that my account was actually charged-off despite me contacting Capital One/Neiman Marcus notifying you when I was laid off from work without notice. 

I was trying to show good faith as this is my responbility, but I was late on my XX/XX/2019 payment due to XXXX and a week did not even past before Capital One reported to the credit bureau I was late. Capital One could have reached out to me and I could have explained I planned to make my payment on XX/XX/2019 which was my next paycheck, but since the good faith is not being returned, I want in writing that once this is paid off, Capital One or Neiman Marcus will remove this from my credit report. 

Not to mention, they see it is a struggling account and Im trying to catch up on payments and even when payments are made ( attached copy of payments from my account ), they are still adding on late fees making it IMPOSSIBLE to catch up ( attached breakdown of some of the late fees accumulated from this year alone ). If I can not get in writing this will be removed upon me finishing payments, you will no longer receive payments after XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: TX

Complaint narrative:
I am a victim of Identity theft. I requested copies of all of my credit reports as directed by the FTC.. I mailed Experian a Dispute and letter along with a large packet of supporting documentation. to correct & remove along with police reports and FTC IDENTITY THEFT REPORT on XX/XX/19. on XX/XX/19 aprox 11 days later, I received a form letter from Experian that they " were unable to honor your request '' no explanation, no reason, just that they were not doing it. I sent XXXX  and XXXX identical packets of Documentation and they corrected and removed Fraudulent information and errors. Along with the identity theft I discovered Astronomical amount of errors on my Experian Credit report.Numerous random name variations that I do not use. Incorrect name spellings.9 different addresses for me that I have NEVER lived at, Some of these addresses do not even exist. I sent in my last 24 years of drivers license as proof of the ONLY 2 homes I have lived in 24 years! Information shared without consent.Credit inquires from unknown sources. XXXX XXXX a party to this identity theft due to thier stolen check with my pre- printed information on it, Stated to me that they were sold my personal information by Experian and this is how they came to send me a pre printed check for a loan that I did not request! that was stolen. Outrageous practices.

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 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have a Bluebird by American Express debit account. It has been open and in good standing since XXXX. My wife and I use this account as our primary banking for our family and her paycheck is direct deposited every 2 weeks. Yesterday ( XX/XX/XXXX ) her check of {$1200.00} was deposited. After several transactions for the day, the account was last known to have a balance of between {$900.00} and {$1000.00} ( estimated after a XXXX purchase made online ). As of XXXX this morning ( XX/XX/XXXX ) the app would not allow me to log in and the website server was down. I attempted to get gas and use the atm with my Bluebird debit card, and was declined at the register and atm. I have attempted to call every few hours to customer service and only received an answer twice. Both times I was told to call back in 1-2 hours. The website did load around 9am, however states that the website is not functioning properly and accounts can not be accessed online, but cards are still able to be used. This is not true. Any transactions I have attempted have been declined. All communication via XXXX from American Express is met with an auto response that they are aware there is an issue, and they are working to fix it. They also state your funds are safe. It was been 7 hours from the time this problem began, with no statements made by American Express, no attempts to console their very scared and distraught customers and no ETA for when the problem may be resolved. I am terrified our hard earned money will not be in our account when/if they ever resolve this issue. I have a family to take care of and provide for, we need food and gas desperately. XXXX being 5 days away does not help this horrible situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been sending you several letters letting you know that I did not open that account! I dont have an email of XXXX. Furthermore, someone opened that account with my information. My information was stolen and reported that to the creditors so that no-one could open any account with my information. Additionally, I never received letters of Capital One to the mailing address you are reporting!! I urge to delete the account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XXXX, XXXX and XXXX of 2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019, I transferred {$100.00} using Chase quick pay to buy some baseball tickets from a stranger I met online. Did not receive baseball tickets, contacted Chase within minutes of the payment but they refused to cancel/refund the transaction and told me to contact XXXX. Chase said they don't know who I sent the moeny to as they are not Chase customer, which make sno sense because the service was called " chase quickpay '' and is supposed ot be used for sending money between Chase customers. I have been unable to get a rep from XXXX on the phone. Heard about this consumer protection website today so thought I would open a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

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 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2019 hackers gained access to my bank account and my cell phone account. 
the hackers cancelled my XXXX XXXX XXXX phone number and had that number transferred to a pay as you go phone. This phone number is attached to my Bank of America checking account. when the hackers had control of my phone number and my banking information they requested a wire transfer of {$4400.00} to XXXX XXXX XXXX. I know this because I immediately contacted Bank Of America and told them that I DID NOT authorize this transaction. I asked them repeatedly to stop the wire transfer. I was told that the wire transfer was approved by a " code '' that was texted to my cell phone. I explained to them that Hackers had gained access to my XXXX XXXX XXXX cell phone account and had control of my phone number and that any texts that were sent to my phone number in fact went to the hackers, and not myself. XXXX XXXX XXXX was very helpful on their end in helping me get my account with them fixed and getting my number back the next day. My bill with XXXX XXXX XXXX shows the cancelation on XX/XX/2019 and the the reinstatement on XX/XX/2019. 
the Bank of America claim # is XXXX. My claim was denied twice. This is NOT fair.

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 2019-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
A payment coupon was accepted by the company and never returned, proof of acceptance of the payment on credit report, the amount was for the whole amount of the car, the car was stolen and no original documents was returned. After another payment coupons was sent back as a copy as the original was probably used again. a notice of dispute was sent by affidavit under code 15 USC 1692 asking the name of original creditor address by way of securitization analysis report only and respond only by affidavit, no affidavit was received no notice to repossession was mailed and a cease to collect the debt did not happen as they stole the car from an apartment complex without permission from the owner of gated community in violation of non consensual tow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
My monthly mortgage payment has been scheduled for auto-payment for years. On XX/XX/2019 I logged into my mortgage account at Flagstar Bank , FSB and discovered that auto-payment had been terminated without notice, resulting in late fees and a hit on my credit report. I investigated the issue and discovered that auto-payment was terminated because Flagstar attempted to withdraw funds one day earlier than normal resulting in NSF fees and cancellation of auto-withdrawal, but Flagstar failed to notify me about the cancellation. 

I contacted Flagstar to remedy the issue and they agreed to refund a late-payment fee and re-instate automatic withdrawals. However, on XX/XX/2019 I logged into my Flagstar Mortgage Account and discovered another late mortgage payment and additional late fees. I investigated the issue and discovered that auto-payment was in fact terminated, and despite Flagstar 's previous representations, auto-pay could not be re-instated at that time. Flagstar has refused to refund the additional late payment fee. This sequence of events would not have occurred if Flagstar simply notified its customers of auto-payment cancellation in the first instance. 

I suspect that Flagstar has adopted a practice of cancelling automatic withdrawals without notice to its customers to generate revenue through late fees.

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 2019-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I have been receiving incessant phone calls and letters from a company that calls themselves Nationwide Credit , Inc. attempting to collect a debt with no proof or verification of the debt to show that it's even mine. I'm hoping that by filing this complaint this company will stop contacting me or send me verification of this debt.

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 2019-12-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

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 2019-12-20 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: GA

Complaint narrative:
XXXX, XXXX  AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XXXX XXXX   XXXX XXXX : XXXX -- -- ->Date Opened -- ->XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX: XX/XX/XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- >XXXX XXXX XX/XX/XXXXXX/XX/XXXX : XXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XX/XX/XXXX- CARD SERVICE -- >Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- >Inquiry date -- -- > XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX-- -- ->Inquiry date -- -- ->XX/XX/XXXX   XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX - XXXX  XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXX XXXX  USA  -- -- ->Inquiry XXXX -- -- >XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX -- -- ->Inquiry date -- -- >XXXX XXXX -- -- -- >Inquiry date -- -- >XXXX XXXX -- -- -- ->Inquiry date -- XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX XXXX  -- -- -- >Inquiry date -- -- XXXX XXXX   XXXX -- -- -- >Inquiry date XXXX -- XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- XXXX XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX XXXX/XXXX  XXXX  -- -- -- >Inquiry date -- -- XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX/XXXX/XXXX  XXXX -- -- -- >Inquiry date -- -- XXXX XXXX/XXXX  -- >Inquiry date -- ->XXXX XXXX XXXX XXXX XXXX/XXXX  -- >Inquiry date -- ->XX/XX/XXXX XXXX  -- -- -- -- >Inquiry date -- -- >XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names 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 2019-12-20 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: GA

Complaint narrative:
XXXX, EQUIFAX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XXXX XXXX XXXX XXXX : XXXX -- -- ->Date Opened -- ->XX/XX/XXXX XXXX XXXX XXXX : XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- XXXX XXXX XXXX XXXX : XXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XXXX - CARD SERVICE -- >Inquiry date -- ->XXXX XXXX  XXXX  XXXX -- -- >Inquiry date -- -- > XXXX XXXX  XXXX, XXXX -- -- ->Inquiry date -- XXXX XXXX XXXX   XXXX -- -- ->Inquiry date -- ->XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX -- -- -- ->Inquiry date -- -- >XXXX XXXX - CARD SERVICE -- -- ->Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX -- -- -- ->Inquiry date -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XXXX XXXX XXXX  XXXX -- -- -- >Inquiry date -- ->XXXX XXXX -- -- -- ->Inquiry date -- -- >XXXX XXXX CREDIT/XXXX XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX/XXXX/XXXX  XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX/XXXX -- >Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX XXXX/XXXX  -- >Inquiry date -- ->XXXX XXXX -- -- -- -- >Inquiry date -- -- >XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GENTRYS XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 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: NY

Complaint narrative:
Not my account reporting on my experian credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: CO

Complaint narrative:
I have filed a dispute with unauthorized, fraudulent inquiries and multiple inquires and they refused to respond to this and remove them.

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 2019-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dates : pretty much all of 2019. 
Transunion credit freeze/unfreeze online never works, it always states status as " unknown '' and tells you to contact a number. The number is always answered by a person in XXXX or XXXX America and they ask for personal information ( SSN, birth date, etc ), I do not feel comfortable giving this information to someone outside the U.S.

When you ask for a number inside the U.S. they state they don't have one and can not contact you with the U.S.

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 2019-12-20 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: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Credit is reporting on my credit out of nowhere. This debt was paid already and now it just showed up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding put a collection account on my credit that does not belong to me. I disputed it with Midland several times and they won't respond to me. They never validated the account. The original credit card is not on my credit either because it's not my account Midland Funding Is not bonded nor licensed to collect in my state Midland Funding continue to report this account that is not mine on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I have received multiple debt collection letters seeking that I pay a supposed debt without including any proof or verification that this is correct or even mine.

Company response to consumer: Closed with explanation