vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Consumers need to be protected against the lack of transparency by Capitol One, XXXX XXXX XXXX, XXXX UT XXXX for the following : Unlike other major credit cards firms such as XXXX, XXXX, etc : Capitol One refuses to print on cardholder 's statements the expiration date of the promotion offer ( s ) that are in effect. Moreover, this expiration information can not be found on any online account. 

Their customer service supervisor makes no apologies for this lack of transparency and informs cardholders that expiration dates of accepted offer ( s ) was mailed in the initial " Welcome Package ''. 

This unfair policy by Capitol One is merely to keep the cardholder off-guard to the upcoming higher interest rates which is also unlisted. 

Capitol One must be forced to be more transparent to their cardholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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 placed a fraud alert on my account after Equifax had a data breach. My social has been used numerous times. 

Recently it was used by an unknown thief with XXXX XXXX XXXX, I immediately notified them on XX/XX/XXXX when I received the alert. I was told by a representative that they had seen teh fraud alert and blocked the application and would remove the inquiry. 
Not only did they not do that, they RAN my social AGAIN on XX/XX/XXXX. 
WHILE I '' M CLOSING ON A HOME. 

Now i have TWO unauthorized inquiries by the same company. 
So I notified Equifax, The ROOT CAUSE of my social security number being leaked in their breach and they are refusing to abide by the FCRA and open a dispute. 

Per the FCRA the CRA, NOT ONLY the furnisher, is REQUIRED to investigate and remove inaccurate information In pertinent part " When a consumer disputes the completeness or accuracy of any information contained in his/her credit report, the consumer reporting agency ( CRA ) must conduct a " reinvestigation. '' The term " reinvestigation '' is a statutory term under the Fair Credit Reporting Act ( FCRA ). If the reinvestigation reveals that the information is inaccurate or can not be verified, the CRA must promptly delete the information. 15 U.S.C. 1681i ( a ). Failure to conduct a reasonable reinvestigation violates the FCRA. 

XXXX v. XXXX XXXX XXXX, 115 F.3d 220, 22324 ( 3d Cir.1997 ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer. '' ( XXXX, 2019 ). 

Equifax had a data breach that is documented A data breach that included the theft of my social security number and personally identifying information.. 
Equifax 's negligence has had a SEVERELY adverse impact on my life Equifax was notified promptly of all disputes, fraudulent uses of my social and as such, has more than reasonable cause to initiate a dispute on my behalf as required by the FCRA> Per XXXX ( who refused to provide his last name and/or ID ) they are not responsible to investigate I requested a supervisor and received XX/XX/XXXX  refused to provide a supervisor, refused to abide by the FCRA, refused to open an investigation and refused to discuss options to resolve the account stating it was my responsibility to make XXXX XXXX XXXX abide by the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
HOME DEPOT XXXX XXXX XXXX XXXX, AZ XXXX TODAY I TRIED TO CALL TO MAKE MY REGULAR MONTHLY PAYMENT BY PHONE, THERE AUTOMATED SYSTEM IS NOT ACCURATE, MY BILLING STATEMENT STATES FOR THE MONTH OF XX/XX/2019 THAT I AM NOT PAST DUE, AND THE PHONE AUTOMATED SYSTEM WOULD NOT ACCEPT THE MINIMUM PAYMENT OF {$69.00} I HAD TO SUBMIT A LARGER AMOUNT TO BE ACCEPTED FOR PAYMENT {$75.00}. I ALSO, TRIED TO EXPLAIN BY PHONE TO THEIR CUSTOMER SERVICE, I GET NOTHING HELPFUL JUST LIES AND EXCUSES, I DO NOT HAVE TO BE A PRIMARY CARD HOLDER TO ACCESS THE ACCOUNT, I AM A CARD HOLDER, THE SPOUSE WHO PAYS THE BILL, AND HE TOLD ME HE HAD TO SPEAK WITH THE PRIMARY CARD HOLDER, TO CHANGE MY SECURITY QUESTIONS AND OR ANSWERS TO PAY THE BILL ONLINE MYSELF, I ASK TO BE TRANSFER TO THE TECHNICAL DEPARTMENT AND I WAS TOLD I HAD TO GIVE THE LAST FOUR NOS. OF THE PRIMARY CARD HOLDER TO GET THE CALL TRANSFER, AND THEN IF I AM ON THE SPEAKER PHONE, THEY GET OFFENDED, MY A LOUD TONE OF VOICE, THEY ARE JUST 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 2019-03-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a loan with JPMORGAN CHASE BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and JPMORGAN CHASE BANK with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have had XXXX XXXX XXXX and XXXX XXXX constantly calling my phone and my Granddaughters phone, I have done them that i am just not financially able to pay the debt, yet they keep calling multiple times a day with a different number each time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09 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: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/XXXX pulled my credit due to being denied a loan Sears cbna listed on credit report It says closed XXXX Date reported to who # # # # # # Va unclaimed?? 
But THE PAYMENT HISTORY on my credit report shows some persons used. My SEARS CBNA CARD in XXXX. I was homeless and had no credit cards on my person only my debit bank card from XXXX thru XXXX # # # # # And I had no phone until XXXX approx XXXX # # # # # # # # : : XXXX XXXX DOLLAR limit It says payroll deducted I HAVE NEVER AUTHORIZED AN ACCOUNT TO BE PAYROLL DEDUCTED I have asked cbna for the info on file for my sears gon na card NO RESPONSE SINCE XXXX I NEED where the card has last been sent to when the card was documented used Address Phone The payroll deducted account info that sears cans bas for my card And the name of company it was being payroll deducted from and their info and BANK ACCOUNT # used to pay for the charges I need this ASAP SO I. Can catch the persons who stole my identity. Since XXXX I have over one million dollars plus missing Unaccounted for Identity theft registered with FTC and confirmed by the office of comptroller for Currency USA I want the credit info as per I have requested numerous times to reciver my identity asap sent to me at only XXXX XXXX XXXX nc XXXX Only XXXX Only My birth 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 non-monetary relief
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MO

Complaint narrative:
The enhanced recovery company has reported an account for sprint to my credit report that was previously disputed and removed from my report by diversified consultants XX/XX/2018, that company was not able to provide proof of the debt owed and after failing to provide information proving the debt was owed deleted debit closed account and deleted it which is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX I tried to make a balance transfer of {$20000.00} into my checking card per a promotion that XXXX was having. I kept checking to see if the money had successfully transferred, but after a week, I noticed it still was not reflecting in my checking account, although on my XXXX account, it was showing as done. After calling XXXX, I was told the money was transferred into a XXXX credit card account that does not belong to me. Apparently, the XXXX account has the same account # as my XXXX   checking account, and come to find out, the balance transfer promotion was for credit cards only. I explained the situation to whoever I talked to and they promised to resolve it and get the money back into my XXXX within a week. A week goes by and the money is still not in. I check back about 5 times and Im told something different each time. XX/XX/XXXX, a month after this issue started, I call back and Im told NOTHING was done to try to resolve the issue so the complaint would be transferred to the escalations team and be resolved in a week. Another week goes by and nothing is resolved. Meanwhile, my monthly payment is due, Im trying to purchase a house, and things arent going though due to this issue. I called today to follow up, and again Im told nothing was done, and that I need to contact XXXX and get the issue resolved with XXXX. How exactly do they expect me to contact XXXX and ask them to give me an amount of XXXX dollars back when the credit card company is the one who worongfully transferred the money to them? I am beyond frustrated that it has been almost 2 months, and this issue hasnt been resolved. Im still having to make monthly payments on money that went to someone else, and on top of that, I am unable to close on a house as a result of this. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
This debt was discharged in bankruptcy, they filed a lawsuit illegally and did not notify me about it and obtained a default judgment. Neither myself nor my bankruptcy attorney was notified. 
In addition, the charges they disputed were from a stolen credit card for which a police report was filed.

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 2019-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I had my bankruptcy chapter XXXX discharged in XXXX 2018. I did not keep my vehicle and I surrendered it at a dealer. BMW put me out to collections for {$32000.00} 3 months later - despite the debt being fully discharged and the car being their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: BB&T CORPORATION
State: TN

Complaint narrative:
BBT XXXX pulled my credit 3 times without authorization for 2 of them. Only applied one time. I got back to them but they don't want to fellow up. 

XXXX XXXX pulled my credit without any authorisation I don't even apply any of their services.

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 2019-03-09 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: MO

Complaint narrative:
Looking at my credit report after my identity has been compromised some time ago I've noticed many accounts inwhich I have absolutely any knowledge of, so big and some small but I'm still taking the same steps in removing and recovering them all. These reporting unverified items I'm disputing and asking for physical documentation for each. Documentation that will afford me physical evidence as stated in the FCRA literature. I want to know who, when, and where investigated these following accounts and I'm requesting an updated correct report. Items in dispute and requesting to block from report if not supported by physical and tangible documentation. 
1 ) XXXX XXXX XXXX {$55.00} 2 ) XXXX XXXX XXXX   {$530.00} 3 ) XXXX XXXX {$490.00} 4 ) XXXX XXXX {$370.00} 5 )  XXXX XXXX {$500.00} 6 ) XXXX XXXX XXXX {$3.00} 7 )  XXXX XXXX XXXX XXXX {$220.00} 8 ) XXXX XXXX XXXX {$200.00} 9 ) XXXX XXXX XXXX {$530.00} 10 ) XXXX XXXX XXXX XXXX {$370.00} 11 ) XXXX XXXX XXXX $ XXXX 12 ) XXXX XXXX {$200.00}, {$490.00} 13 ) XXXX XXXX XXXX  {$2.00} 14 ) XXXX XXXX {$510.00} 15 ) XXXX  {$0.00} 16 ) XXXX XXXX {$0.00} 17 ) XXXX XXXXXXXX {$0.00}

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 2019-03-09 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: FL

Complaint narrative:
Equifax is reporting false information on my credit file. I have tried to fix this issue and Equifax is not responding to my requests or in a timely manner. Equifax is the only agency reporting that I have a collection account from a company I never had any contracts with and this collection is in somebody else 's name. The collection agency never gave me 30 days notice that they were placing " this person '' into collections under my credit report. Equifax needs to remove this item it is not mine. I reported this to Equifax as fraud and they have done nothing but false report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX pulled my credit due to being denied a loan XXXX XXXX listed on credit report It says closed XXXX Date reported to who XXXX XXXX XXXX XXXX XXXX XXXX Va unclaimed?? 
But THE PAYMENT HISTORY on my credit report shows some persons used. My XXXX XXXX CARD in XXXX. I was homeless and had no credit cards on my person only my debit bank card from XXXX thru XXXX XXXX XXXX XXXX XXXX XXXX And I had no phone until XXXX approx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : : XXXX XXXX XXXX limit It says payroll deducted I HAVE NEVER AUTHORIZED AN ACCOUNT TO BE PAYROLL DEDUCTED I have asked XXXX for the info on file for my XXXX gon na card NO RESPONSE SINCE XXXX I NEED where the card has last been sent to when the card was documented used Address Phone The payroll deducted account info that XXXX cans bas for my card And the name of company it was being payroll deducted from and their info and BANK ACCOUNT # used to pay for the charges I need this ASAP SO I. Can catch the persons who stole my identity. Since XXXX I have over one million dollars plus missing Unaccounted for Identity theft registered with FTC and confirmed by the office of comptroller for Currency USA I want the credit info as per I have requested numerous times to reciver my identity asap sent to me at only XXXX XXXX XXXX nc XXXX Only XXXX Only My birth 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 2019-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is CREDIT MANAGEMENT LP # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT MANAGEMENT LP failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item is on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CREDIT MANAGEMENT LP failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. CREDIT MANAGEMENT LP is held liable as well for defamation and in the state of OHIO a creditor is who collects they are on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where CREDIT MANAGEMENT LP is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. CREDIT MANAGEMENT LP. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: CA

Complaint narrative:
I filed for Chapter XXXX Bankruptcy in XX/XX/2018 and Equifax is not reporting an account properly even though I have disputed it now THREE times. The account name is XXXX XXXX XXXX XXXX XXXX credit card, and was included in my petition. The balance reported is {$1200.00} and the " current status '' is 'charge-off. '. 

My Equifax credit file is reporting XXXX XXXX XXXX XXXX XXXX as ( 1 ) Current Status : " delinquent, '' and " 30 days late, '' and ( 2 ) Description Remarks : " Charge Off. '' I have now disputed this account three times with Equifax, but XXXX XXXX XXXX XXXX XXXX keeps verifying their reporting as accurate, in violation of the automatic stay afforded debtors in Bankruptcy Code 11 U.S. Code 362, and Equifax has refused to update this account. 

I am requesting that Equifax update my file for this account with the descriptor " Chapter XXXX Bankruptcy. '' Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lake Area Collections, LLC
State: TX

Complaint narrative:
I received services from XXXX XXXX XXXX in XXXX XXXX, LA in 2015. I asked for them to tell me how much it was going to cost so I could budget in anticipation of the treatments. I received a quote for how much I would have to pay based on them saying they checked with my insurance company. After my treatments, I was presented with a bill for an additional {$450.00}, which I had not budgeted for. At the time, I was recently unemployed. My insurance covered whatever they covered, but the additional amount came due during the time that was recently unemployed. I tried working it out with XXXX XXXX XXXX, but my unemployment was for an extended period of time. The accounts receivable person finally said that they would send it to collections. 

I received a bunch of phone call messages over the past twelve months from a telephone number in the ( XXXX ) area code that left messages saying that " ... a claim had been filed against me and to prevent further action to please call this number ... '' and they provided a number. The message didn't say who they were or why they were calling of who filed a " claim '' against me. Last month, a new derogatory remark showed up on my XXXX  credit report, and it was from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I've been in the process of cleaning up my credit and paying off the three creditors I had past due balances with. This derogatory remark from XXXX XXXX XXXX has fouled up my otherwise newly-cleaned up credit. I want this remark removed or revised. I'd be glad to make arrangements to pay the balance. The menacing phone calls I received with no verification of who the calls were from or what the calls were for felt like a scam to me. I experience a breach of my bank account and credit card last summer and this past fall, so I am very wary of callers that don't identify themselves and those that want me to volunteer personal information over the phone to an incoming caller. 

Can you help with this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-09 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: AES/PHEAA
State: AZ

Complaint narrative:
I have a loan with FEDLOAN and XXXX XXXX XXXX, XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, FEDLOAN and XXXX XXXX XXXX, XXXX with no successful resolution. XXXX  and XXXX   were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with non-monetary relief