vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have been a loyal card member of Capital One. I recently in XX/XX/XXXXreestablished an account with Capital One. I have an old account from XX/XX/XXXX. Back then I had lost my job and failed my financial obligations therefore Capital One made a mutual decision to close my account. Back then I did n't realize how important credit was but I do now. Capital One is my oldest account & there are several inaccuaries reporting on all 3 major Credit Reporting Agencies ( XXXX, XXXX, & XXXX ) First, on all 3 Credit Bureaus it shows the same account # ( XXXX ) Next, we will get to the route case of this Email ( Payment History ) As you know Payment History makes up for 35 % of a Consumer 's Fico Score & without that Information its is inaccurate A brief look at my account will reveal I have successfully made on time payments since establishing the account. 

Let 's start with the most recent Capital One Account ( XXXX ) Opened XX/XX/XXXX XXXX ( Does n't show XX/XX/XXXX Current Payment Status ) XXXX ( No XX/XX/XXXX Current Payment Status ) Transunion ( No XXXX Payment nor is is reporting XX/XX/XXXX Payment ) Finally let 's discuss Capital One Account ( XXXX ) Opened XX/XX/XXXX XXXX ( Paid as Agreed but no 24 Month Payment History ) XXXX ( 24-Month Payment History starts XX/XX/XXXX until XX/XX/XXXX its missing prior to XX/XX/XXXX as well as XX/XX/XXXX Current Payment Status ) XXXX ( Missing XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX as well as after XX/XX/XXXX Current Payment Status ) For the older account they both are Revolving so without that Information is in inaccurate. 

I do n't need to let you know that without updated this Information you are not in compliance violating my FCRA 609, 611, & 623 Consumer Rights. Please update this within 30 Days. The next step will be to followsuit with the BBB & my Attorney General 's Office which entitles me to {$1000.00} per Violation I sincerely hope Kohl 's believes in their customers and I humbly request to update this Information. I appreciate your time and look forward to receiving a favorable decision from you department soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I have late payments from my student loans and I really need to get those off my credit because Im trying to better my life and credit score the late payment is really making my credit report bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
I received an email from the company stating that transaction fees ( 25 % ) for cash draws made between XX/X/17 - XX/XX/17 would be reimbursed as a credit to my account balance within 14 days. 

I sent an email for clarification and they confirmed this offer. I then made an advance request. 

14 days later, I saw no credit on my account. I emailed and they said I would see it on my next statement. Now, 25 days later and after having received my statement, the credit is still not there. 

I Would not have requested the loan if not for this offer. They lied and tricked me into taking a loan with the promise of waiving the very high transaction fee.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello ive been a victim of identity theft and i recieved my credit report through equifax and i noticed that i have some inquires on my credit report and there are 15 of them i didnt apply for 14 accounts in my name the only inquiry that i apply for is XXXX XXXX on XX/XX/XXXX with a credit line of XXXX I didnt apply for XXXX inquiry date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX i didnt apply for these and i contacted Equifax few times and they open up investigation and send me a letter and didnt do nothing and told me to contact the creditors directly and i did and none of them didnt remove my inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
they will not give me validation of the debt and never told me or called me about the 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 2018-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
Dear Customer Care, I have no knowledge of this account. please remove this from my credit profile. 

thanks 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 2018-01-02 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
hello i have some inquiries that i didnt apply for i have about XXXX hard inquires from chexsystems and im a victim of identity theft and i didnt apply for a bank accounts in my name the only bank account i apply for is XXXX XXXX the others are fraud and i contacted chexsystems inc about this and they told me to call the banks and send a letter in writing and i dont have any stamps and i dont work and i still getting denied to open up a credit union account and they dont have a freeze system and the rep was rude to me and kept me on hold for a long time

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 2018-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Altisource Portfolio Solutions, S.à r.l.
State: NV

Complaint narrative:
This Collection agency XXXX XXXX XXXX XXXX has failed to provide proper verification of the account they brought from XXXX XXXX XXXX. This company has not and could not provide information like documents bearing my signature that I owe ( {$540.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to XXXX XXXX XXXX about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company XXXX XXXX XXXX XXXX matter the original creditor have the same account number as the collection agency. XXXX and XXXX XXXX XXXX different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$540.00} ) then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX, XXXX, and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA

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 2018-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
This Collection agency XXXX XXXX XXXX XXXX has failed to provide proper verification of the account they brought from Walmart/ Synchrony Bank/Walmart. This company has not and could not provide information like documents bearing my signature that I owe ( {$540.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to XXXX XXXX XXXX about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company XXXX XXXX XXXX XXXX matter the original creditor have the same account number as the collection agency. Synchrony and XXXX XXXX XXXX different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$540.00} ) then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX, XXXX, and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA

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 2018-01-02 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: Clarity Services
State: TX

Complaint narrative:
hello i have some inquiries that i didnt apply for i have about XXXX hard inquires from XXXX and im a victim of identity theft and i didnt apply for a bank accounts in my name the only bank account i apply for is XXXX XXXX the others are fraud and i contacted XXXX XXXX about this and they told me to call the banks and send a letter in writing and i dont have any stamps and i dont work and i still getting denied to open up a credit union account and they dont have a freeze system and the rep was rude to me and kept me on hold for a long time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: FactorTrust, Inc.
State: TX

Complaint narrative:
hello i have some inquiries that i didnt apply for i have about XXXX hard inquires from XXXX and im a victim of identity theft and i didnt apply for a bank accounts in my name the only bank account i apply for is XXXX XXXX the others are fraud and i contacted XXXX inc about this and they told me to call the banks and send a letter in writing and i dont have any stamps and i dont work and i still getting denied to open up a credit union account and they dont have a freeze system and the rep was rude to me and kept me on hold for a long time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX I called in to make my car payment via phone due to having to update my banking information Checkings Account Number and Routing .... I was speaking with a rep that was not to fluent in English and continuously kept asking her to repeat my account number back to be to ensure accuracy ; however, she would not she just kept stating she had to correct number due to her frustration. 

In turn, I was docked for being late 2 months in a row due to the bank account number not being found upon the company processing the payment ; however, I was not notified until calling in to process another payment. 

I have disputed this information via the CRAs and with the Chase Executive Relations Department ; however, they are stating that I am responsible for the information the rep inserted even though I clearly asked her multiple time to repeat the account information back to me after multiple attempts. 

I have been a Chase customer for almost 3 years with no lates until experiencing this issue and everytime I try to resolve the issue I am informed they will no longer investigate because the information is correct even though the error was simply due to an error with the customer service rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX I called in to make my car payment via phone due to having to update my banking information Checkings Account Number and  Routing .... I was speaking with a rep that was not to fluent in English and continuously kept asking her to repeat my account number back to be to ensure accuracy ; however, she would not she just kept stating she had to correct number due to her frustration. 

In turn, I was docked for being late 2 months in a row due to the bank account number not being found upon the company processing the payment ; however, I was not notified until calling in to process another payment. 

I have disputed this information via the CRAs and with the XXXX Executive Relations Department ; however, they are stating that I am responsible for the information the rep inserted even though I clearly asked her multiple time to repeat the account information back to me after multiple attempts. 

I have been a XXXX customer for almost 3 years with no lates until experiencing this issue and everytime I try to resolve the issue I am informed they will no longer investigate because the information is correct even though the error was simply due to an error with the customer service rep.

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 2018-01-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX 2017 XXXX 2017 I called in to make my car payment via phone due to having to update my banking information Checkings Account Number and Routing .... I was speaking with a rep that was not to fluent in English and continuously kept asking her to repeat my account number back to be to ensure accuracy ; however, she would not she just kept stating she had to correct number due to her frustration. 

In turn, I was docked for being late 2 months in a row due to the bank account number not being found upon the company processing the payment ; however, I was not notified until calling in to process another payment. 

I have disputed this information via the CRAs and with the XXXX Executive Relations Department ; however, they are stating that I am responsible for the information the rep inserted even though I clearly asked her multiple time to repeat the account information back to me after multiple attempts. 

I have been a XXXX customer for almost 3 years with no lates until experiencing this issue and everytime I try to resolve the issue I am informed they will no longer investigate because the information is correct even though the error was simply due to an error with the customer service rep.

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 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
on XX/XX/XXXX I had my 2 PayPal accounts permanently limited. I was told via email that I will be able to withdraw my funds in 180 days which is an exceptionally long time. I was also told I will receive an email when it was available. 

I appealed this decision and it was denied by PayPal on XX/XX/XXXX and again I was told that I would receive an email within 180 when my money was available. 

I never received an email after that and it has been far more than 180 days. I tried to withdraw my money this week in both accounts and PayPal would not let me, saying there is a problem with my account. 

One account has {$23.00} and the other account has {$360.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I have been getting harrasing and repeated phone calls from portfolio recovery. They have even gone as far as calling my elderly mother out of state telling her if i dont return there phone calls i would be issued a warrant and arrested.when i returned there call to the phone number provided to my mother and sister and brother which portfolio recovery had called and harrased as well looking for me they pretended to be with a department of justice and they were issueing a warrant for my arest if i didnt make a payment. I requested the information for which the debt pertained to they told me they couldnt tell me. I have asked them to stop harrasing me several times there taticks are rude and un called for.i have a recording of a voicemail left from portfolio recovery that contained a conversation that the representivies were having admitting to theft the representive was unaware he didnt hang up the phone and left the msg on my voicemail. I have some credit card debt ive told them as soon as i could pay any of it i would at my earliest convience. The calls still keep coming ive talked to supervisors in portfolio recovery and they are just as rude and degrading they make you feel like my debt is a drown on them personally and they are just all out disrespectful. They call all hours of the day and even got calls as late as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/XXXX i was apartment searching and i was denied for a property because they told me i had an eviction after trying to explain it was n't me i still got denied they then told me on my XXXX report it was reporting two different but similar names : also address that do not belong to me after getting my credit report i then seen in fact what was told to was true. i then contacted transunion sent proper identification drivers license, social security card to prove in fact that was not me. i was assured that it was removed. Im apartment searching again just out of curiosity i log in an what do i see again that same name and address that i thought were removed around XX/XX/XXXX. This false inaccurate information hurts me from living where i choose to live, and damages my name. i need it off my report for good this time as they promised in XX/XX/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