vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to make a complaint about Capital One Bank. About a month ago, on the date XX/XX/2018, Capital One Bank has decided that they want to infringe on my financial freedom by limiting my access to 3rd-party financial applications ( XXXX XXXX XXXX  XXXX ) and the decision to suddenly and temporarily no longer working with XXXX XXXX. Due to this, I no longer have access to these applications, or the ability to move funds between them and my Capital One account, and I don't have the ability to deposit money into my XXXX XXXX XXXX. This is an issue for me. I have personally contacted the customer service lines for both XXXX and XXXX, and they have both said that Capital One has severed the connection with them. Upon further investigation and reading multiple articles about the issue and reading a direct statement from XXXX XXXX, Capital One 's reason for severing the connection between them and the XXXX applications, was because Capital One wants you to instead use their Investing Services instead of someone else 's. I am writing this complaint in a last attempt for you, the CFPB, to intervene on this matter and fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VP of Lending and XXXX XXXX, asst VP of Lending are falsifying my modified Equity loan with efforts of suppressing my credit score with Equifax, XXXX, and XXXX. I modified this Equity loan  XX/XX/2018, I've never been over 30, 60, 90, 120, 150 nor 180 as teported on my credit report. This Racially charged effort by both XXXX XXXX and XXXX XXXX has lowered my credit score and sabotaged my credit POWER as an consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
It was {$100.00} {$48.00} 2 times that was purchased on XXXX my information was compromised are trying to steal my XXXX XXXX account some online hacker XXXX XXXX   XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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:
Hello I am contact you due to a recent increase in fraudulent information on my credit report and I would like this information removed because it is fraudulent and doesn't belong to me. I will first start with the fraudulently credit inquiries that are not mine and do not belong on my credit report and I would like these inquiries removed at once XXXX XXXXXX/XX/2018 XXXX credit card Also these accounts I'm going to list are fraud and I want them completely removed of my credit report at once because they do not belong to me and are fraud XXXX XXXX Reported : XX/XX/2018 + {$0.00} Closed XXXX XXXX Reported :XX/XX/2018 + {$420.00} Closed XXXX Reported :  XX/XX/2018 + {$420.00} Closed Remove these accounts at once they are fraud and do not belong to me and I want them removed at once. 

Also my credit card balances are incorrect and I want these cards listed to be updated at once because your company is reporting false balances which is causing harm to my credit score. Please update balances for XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX   XXXXXXXX XXXX XXXX, XXXX XXXX Please update balances

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: NY

Complaint narrative:
Hello I am contact you due to a recent increase in fraudulent information on my credit report and I would like this information removed because it is fraudulent and doesn't belong to me. I will first start with the fraudulently credit inquiries that are not mine and do not belong on my credit report and I would like these inquiries removed at once XXXX XXXX XX/XX/2018 XXXX credit card Also these accounts I'm going to list are fraud and I want them completely removed of my credit report at once because they do not belong to me and are fraud XXXX XXXX Reported : XX/XX/2018 + {$0.00} XXXX XXXX XXXX Reported :XX/XX/2018 + {$420.00} Closed XXXX XXXX : XX/XX/2018 + {$420.00} Closed Remove these accounts at once they are fraud and do not belong to me and I want them removed at once. 

Also my credit card balances are incorrect and I want these cards listed to be updated at once because your company is reporting false balances which is causing harm to my XXXX XXXX. Please update balances for XXXX XXXX, XXXXXXXX XXXX XXXX XXXXk, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Please update balances

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 2018-07-02 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 a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 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 2018-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
Diversified has reported illegally to the credit bureaus on a MA resident under their own name as opposed to the name of the credit in violation of 209 CMR 18.17 : Unfair Practices.

I have sent them three certified 93A Demand notices ( XX/XX/2018, XX/XX/2018 and XX/XX/2018 ) informing them of their illegal activities ( state and federal violations ). They have continued in their illegal listing and attempting to collect.

209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17.

( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may, with the express written authorization from the creditor, report to a consumer reporting agency in the creditors name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 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 2018-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC.
State: MD

Complaint narrative:
Hello, on XX/XX/XXXX complaint # XXXX I received this message ... XXXX XXXX has learned through this complaint that XXXX XXXX is not the correct consumer we are attempting to contact. As such, XXXX XXXX ' contact information has been removed from the account and she will no longer be contacted regarding this account. We apologize for any inconvenience caused through our communication efforts.

Now they're after me again and I filed another complaint # XXXX on XX/XX/XXXX.

Why are they after me again if it was proven that it wasn't mine and I received a check in the mail from a lawsuit that was filed against them from contacting people?

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 2018-07-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On Sunday XX/XX/XXXX I purchased 3 comic books in 3 separate transactions through paypal/XXXX. One purchase was {$500.00} XXXX XXXX XXXX comic book XXXX graded at 2.0 and paypal charged me a fee of {$14.00}. the 2nd transaction was for {$200.00} XXXX XXXX XXXX XXXX graded 9.0 and paypal charged me a fee of {$6.00}. 3rd purchase is for {$200.00} XXXX XXXX XXXX XXXX graded in 9.4 and paypal charge me a fee {$6.00}. In all 3 separate purchases totaling {$920.00}. I filed a dispute with Paypal since the seller has cut off all contact with me. I have tried reaching the seller by phone and through messages and haven't heard anything. My comic books should have shipped by now. I'm requesting paypal refund me my {$920.00} since I haven't gotten what I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is additional information for complaint # XXXX : XXXX XXXX XXXX stating this account was opened on XX/XX/XXXX, when this account is actually from over 6 years ago. XXXX sent letter via CFPB stating last payment made on XX/XX/XXXX. 

In regards to collections from XXXX XXXX XXXX, I have sent in several complaints in regards to this same debt that has changed hands numerous times with incorrect information. The original debtor was XXXX  changed to XXXX transferred to several other collection agencies now with XXXX XXXX XXXX. This was a XXXX XXXX card, XXXX XXXX sold to XXXX XXXX. XXXX XXXX sent me defective merchandise and when their workers came to pick up, they left merchandise ( mattresses ) on the curb outside my apartment building in XXXX, which is against the law in XXXX. I contacted XXXX XXXX as I had to pay {$500.00} to immediately have removed myself, as well as issues with refund to my card due to their drivers not bringing back merchandise. Ultimately, XXXX XXXX corporate stated the matter was corrected and my account was current and I asked for it to be closed. Apparently, this was not communicated to XXXX  later XXXX and once transferred collections started. I have repeatedly asked for itemized bills from all parties and no one will send out to me. I reported all my credit cards stolen in XX/XX/XXXX and sent police report to all my credit card companies etc, which is still being reflected on my credit reports by XXXX  on other accounts. However, XXXX XXXX XXXX is not only reporting me as owing {$2400.00} but stated that I made a purchase in XX/XX/XXXX, when even XXXX  sent letter via CFPB stating that last purchase was XX/XX/XXXX. Also, XXXX XXXX XXXX is reporting on XXXX that I made a payment in XX/XX/XXXX, which is absolutely false. I do not owe anything on this matter and I again ask for itemized bill so that I may determine what they are trying to state that I owe. XXXX XXXX XXXX stated that they do not have an itemized bill and I have to contact the store to obtain one. What store am I supposed to contact if I have no idea what the charges are. 



.

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 2018-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: MD

Complaint narrative:
I just recently ( XX/XX/2018 ) found information about " payday '' loans, or short-term loans on the Office of the Commissioner of Financial Regulation for Maryland that the interest rate that is allowable under law on the first {$1000.00} of a loan of {$2000.00} or less to be 2.75 percent per month or an annual interest rate of 33 percent. 

During a period of when my husband was not working ( nearly a year ) following XXXX XXXX XXXX, we fell into some disparate times and I was forced to take some short-term loans. In doing so I realized that I was being charged nearly 4 times the amount borrowed back with an interest rate of 534.26 % yearly. At this rate, I will never get out of debt. 

For {$500.00} borrowed @ this 534.26 % annually, I am paying back {$2500.00}. These people are taking advantage of people because we don't know the law, or we are not searching the law to know that we as consumers have rights too.

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 2018-07-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and discovered an account from a company called XXXX XXXX. I have no idea who or what this is, nor do i have knowledge of the debt they are reporting. I have never been contacted by this company. I contacted the original creditor, XXXX XXXX, and they stated there is no balance for my old home address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX or under my social security number or the account number : XXXX. They also stated they do not use this company for debt collections, imposing that this is a fraudulent account. XXXX XXXX provided me with my confirmation number that VERIFIES a {$0.00} balance : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX , XXXX XXXX XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned 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 non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  , XXXX XXXX XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised.  My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned 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 non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ

Complaint narrative:
After consulting with an agent Concerve collection agency, hoping to repay this loan, i was notified by my Employer about wage garnishment. 
this transaction begins XX/XX/XXXX and ended on XX/XX/XXXXA certification document was forwarded to my Employer about cancellation and released Yet still various notifications have been forwarded to me, in the same format of collections and wage garnishments. 
I have paid the amounts listed, but continued to received other notifications of owed monies and interest rates. 
Since paying off the principal amount, and also the second assumed debt, i have since received bills for cents amounts. 
This is creating an depressing situation upon my psyche as per when does this error and continued creation of bills end .Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This debt was from 2008. The creditor XXXX XXXX has sent me a letter stating that they have charged off on XX/XX/2008 with a balance of {$1500.00}. They stated that this account was bought by XXXX XXXX, XXXX. XXXX XXXX states in their letter to me that " they no longer have a financial interest in this account. '' They also states in their letter that " XXXX XXXX XXXX has not attempted any communication regarding this account since XX/XX/2008. If XXXX XXXX has not decided to collect this debt and has written it off, XXXX XXXX is stating that I owe them a balance of {$2700.00}. I owe nothing to this company. They decided to purchase this account from XXXX XXXX. I have no Idea how much they bought this account for. They are want to collect money from me that I do not owe them. This debit is ten years old? This company should not be harassing me for money that I don't owe to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX calls repeatedly although I have told them on multiple occasions they have the wrong person - I have never had a XXXX credit card and this is not a case of identity theft as the debt is not listed on my credit report. Yet they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX has closed my XXXX, XXXX, and XXXX XXXX without notice. They stated it was due to inactivity. They have currently suspended my credit line with XXXX XXXX and insist that they must do a hard inquiry in order to reactivate my credit line, or it may close the  account. 

Responsible credit usage should weigh more than the number of inquiries on ones credit report. As it is a car deal had run multiple credit inquires for a purchase of a vehicle bringing my credit rating down. I have been actively trying to keep my credit clean of any lates, always pay on time, and this is how XXXX is rewarding it's users.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: TN

Complaint narrative:
Dynamic recovery solutions has repeatedly sent bills and invoices and has refused to send verification of debt. When informed that I know I have the right to validation they argued saying that they could not send any further information. They began offering to settle the debt for smaller amounts and still stated they couldnt send information in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 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:
I started writing letters to XXXX, XXXX, AND TRANSUNION ON XX/XX/2018. Informing them that I see inaccuracies on my credit file from these accounts listed on my credit report. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, And XXXX XXXX Account # XXXX. I pointed out all the inaccuracies that these accounts were reporting on my credit file. And informed them it was grounds for removal off my credit report. Instead they updated and verified the accounts on my credit report. So after I received that information. I contacted the lenders myself. On XX/XX/2018 I wrote them requesting a debt validation letter for these bills which they say I owe. They sent back an itemized bill from XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX XXXX/XXXX XXXX ACCOUNT # XXXX which is NOT validating the debts. They could not produce a validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request these accounts be removed with any and all of the credit reporting agencies 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