vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In the beginning of XXXX of this year, I noticed that my credit scores plummeted after I requested an old account be removed from my XXXX credit report. Instead of following the requests of my dispute, the credit bureau took it upon themselves to file a false dispute. In which they claimed that I filed a dispute requesting that they update my old car payments because they were reported incorrectly. This is false information. I initially filed a dispute with XXXX, simply insisting the account was too old to be on my credit report, requesting that it be removed, because it was still showing it as being opened, which its been closed since XXXX. The company XXXX XXXX XXXX has been on my report since XX/XX/XXXX ( almost 10 years ), and according to law, consumers can request items be removed from their report that are over 7 years old. Instead of following my dispute, they requested all old late payments from XXXX XXXX XXXX be updated on my credit report, which is what caused my scores to drop on all three of my credit reports, also causing the lifespan of the account to start over. I went into a branch to verify why XXXX reported these old payments, and was told that Equifax requested this information after receiving a dispute from me. The representative I spoke with also informed me that this starts the reporting process over.

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 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In the beginning of XXXX of this year, I noticed that my credit scores plummeted after I requested an old account be removed from my Equifax credit report. Instead of following the requests of my dispute, the credit bureau took it upon themselves to file a false dispute. In which they claimed that I filed a dispute requesting that they update my old car payments because they were reported incorrectly. This is false information. I initially filed a dispute with Equifax, simply insisting the account was too old to be on my credit report, requesting that it be removed, because it was still showing it as being opened, which its been closed since XXXX. The company XXXX XXXX XXXX has been on my report since XX/XX/XXXX ( almost 10 years ), and according to law, consumers can request items be removed from their report that are over 7 years old. Instead of following my dispute, they requested all old late payments from XXXX XXXX XXXX be updated on my credit report, which is what caused my scores to drop on all three of my credit reports, also causing the lifespan of the account to start over. I went into a branch to verify why XXXX reported these old payments, and was told that Equifax requested this information after receiving a dispute from me. The representative I spoke with also informed me that this starts the reporting process over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In the beginning of XXXX of this year, I noticed that my credit scores plummeted after I requested an old account be removed from my XXXX  credit report. Instead of following the requests of my dispute, the credit bureau took it upon themselves to file a false dispute. In which they claimed that I filed a dispute requesting that they update my old car payments because they were reported incorrectly. This is false information. I initially filed a dispute with XXXX, simply insisting the account was too old to be on my credit report, requesting that it be removed, because it was still showing it as being opened, which its been closed since XXXX. The company XXXX XXXX XXXX has been on my report since XX/XX/XXXX ( almost 10 years ), and according to law, consumers can request items be removed from their report that are over 7 years old. Instead of following my dispute, they requested all old late payments from XXXX XXXX XXXX be updated on my credit report, which is what caused my scores to drop on all three of my credit reports, also causing the lifespan of the account to start over. I went into a branch to verify why XXXX reported these old payments, and was told that XXXX  requested this information after receiving a dispute from me. The representative I spoke with also informed me that this starts the reporting process over.

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 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank has completely refused to mediate and resolve several matters with their company and customer service issues I have had as well as billing. I have been charged for expedited card replacement fees in which I did not receive the several cards ordered and I was provided with misleading information from Chase bank as to the delivery of the card and other misleading resolutions to the several ongoing matters. I spoke with a supervisor from chase who confirmed my account was in good standing and at a XXXX  balance and that I was eligible to close the account which she said she did at the point and that it was immediately closed. Chase has refused to close the account per my request or resolve any other matters of concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
On XX/XX/2019, I received an initial notification from Radius Global Solutions, LLC that they had been authorized to collect a debt. Pursuant to the FDCPA and the XX/XX/2019, letter, on XX/XX/2019, I sent a letter requesting validation of the debt and specifically requesting the amount owed, explanation for calculation of amount, copies of any and all papers evidencing I agreed to pay Radius, identity of the original creditor, proof that the statute of limitations had not expired, proof that Radius is licensed to collect a debt in Virginia, copies of pooling or servicing agreements, license numbers and registered agent. Radius failed to provide any information validating the debt in violation of my request and my rights under the FDCPA. Instead I received more correspondence from Radius on XX/XX/2019, and XX/XX/2019, continuing to attempt to collect the debt. Radius has violated the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: ID Analytics, Inc.
State: LA

Complaint narrative:
I mailed a certified letter to Sage Stream asking them to freeze my credit report over a month ago and to this day the request has gone unansewerd. My credit report is stillll not frozen by Sage Stream. I would like for them to freeze my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX . 
XXXX La. XXXX Last four of SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: GA

Complaint narrative:
I have a prepaid debit card with Netspend, XXXX XXXX of 2019 i purchased a sofa online from XXXX. The sofa was damage, i contacted XXXX, They gave me back a {$250.00} dollar credit on my Netspend card. Netspend has refuse to give me access to my card and closed my account. I have called them numerous times for help with my problem.

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 2019-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LCO Financial Services, LLC
State: OH

Complaint narrative:
On Monday XX/XX/XXXX I called BlueTrust loans to " Revoke my ACH ''. I'm in the process of switching banks and alerted them about this. I received a verbal confirmation that ACH has indeed been revoked and my payment scheduled for XX/XX/XXXX would be put on hold. XX/XX/XXXX came and they still took the ACH even though I received confirmation on XX/XX/XXXX that this payment HAS been put on hold. Now, I overdrafted my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Opened a Walmart credit card through XXXX  XXXX. Advertised {$25.00} statement credit after first purchase. I used card on for three billing cycles and never received credit despite calling after each statement was received and credit wasn't applied. After calling last night the newest ploy is that Capital One now has the card and XXXX XXXX  claims they no longer have access. I want my {$25.00} that was offered and agreed upon when I opened and used the credit card. They also should be compensating me for having to make numerous frustrating calls wasting my time and energy trying to get what they have failed to provide. They have breached a contract and owe me {$25.00} Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
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 and 60 days late or cured XX/XX/XXXX, I'm not sure because some bureaus say cured others don '' t. and the same for XXXX and XXXX of 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 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Robinson & Hoover
State: OK

Complaint narrative:
I want to make sure something like this doesn't happen to other people. During a time of unemployment or right before I took out a small pay day loan. Because it took me about 6 months to find another job I was unable to pay the pay day loan company timely payments. They sent my account to Robinson, Hoover and XXXX XXXX XXXX XXXX. To date, I have paid {$1300.00} on an account I owed {$400.00}. Mr. XXXX said it was because of " attorneys fees ''. They also tried to go directly into my bank account without authorization and the money was not there either. The last phone call I had with him was today because he sent out the 4th garnishment to my new job and they had planned to take out over {$600.00} out of my next paycheck. When I disputed this with Mr. XXXX he said he would send my employer and updated fax stating I only owed {$300.00} and the account would be paid in full bringing my total expenses for a {$400.00} loan to {$1600.00}. I am not quite sure how they get away with doing this to people but it sure doesn't seem right. I plan on paying the {$300.00} so I do not have to be further humiliated by the tactics of this Attorney 's office. I hope you can find something wrong with this and turn them in for some kind of fraud against poor people such as myself who can not afford to pay off a debt all at once. The more payments I made the more the attorney 's fees stacked up. In total I was charged {$740.00} in attorneys fees. Do you really thing someone I owed {$400.00} to would pay an additional {$740.00} just to get what I had already paid them? I do not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding reported a collection account on my credit. I asked for validation of the debt since I was not notified by Midland Funding that they were reporting anything on my credit. Midland ignores my request for validation, yet they continue to report this erroneous account on my credit. 
Midland Funding is in violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2019, I received an initial notification from XXXX XXXX XXXX, XXXX that they had been authorized to collect a debt. Pursuant to the FDCPA and the XX/XX/2019, letter, on XX/XX/2019, I sent a letter requesting validation of the debt and specifically requesting the amount owed, explanation for calculation of amount, copies of any and all papers evidencing I agreed to pay XXXX, identity of the original creditor, proof that the statute of limitations had not expired, proof that XXXX is licensed to collect a debt in Virginia, copies of pooling or servicing agreements, license numbers and registered agent. XXXX failed to provide any information validating the debt in violation of my request and my rights under the FDCPA. Instead I received more correspondence from XXXX on XX/XX/2019, and XX/XX/2019, continuing to attempt to collect the debt. XXXX has violated the FDCPA.

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 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX I received an auto generated email with this company in regards to opening or attempting to open up an account with Citibank. I received an email saying that it was processing - Im not sure if its going to get denied or approved bc the email I didnt request told me it was processing the application. Additionally I have identity protection on my credit bureaus so this shouldnt have run at all. Without someone calling me. 
If this hard inquiry doesnt get reversed then I will continue with an attorney in my company. I already have a card OF yours I dont need a new one and my ex has been pulling a lot of nonsense on his end.

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 2019-10-25 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: NC

Complaint narrative:
I am victim of Identity theft and after presentation of law enforcement documents to each of the major credit bureaus the fraudulent accounts were blocked/removed. However, to my dismay the accounts have been placed back on my Transunion Credit Report without any acknowledgement of reason or method of further validation ; which is a direct violated of my consumer rights under FCRA 605b and 611.The Accounts that are fraudulent are : 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 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On or about XX/XX/XXXX I went to log in to my Chase app and my password was unrecognized I had to change my password so I could get into my account - - I thought that was odd as I have been using the same password for a while, but didnt think anything of it since I was unaware of any suspicious activity. On XX/XX/XXXX ( after my paycheck was deposited ) I logged into my account and noticed that on XX/XX/XXXX someone gained access to my account and moved {$2000.00} from savings to checking and then used XXXX to make 2 payments ( {$1500.00} and {$500.00} ) to someone named XXXX. I immediately called Chase to put in a claim for these fraudulent/unauthorized transactions. They were able to credit back the {$2000.00} while they investigated the transactions. On the morning of XX/XX/XXXX, when I logged back in to the account I noticed that the {$2000.00} was again missing and when I called Chase to inquire, I was told that the fraud claim was denied due to the fact that the unauthorized transactions were made from the same device that is usually used to control this account, and there is no way to prove that these transactions are in fact, fraudulent/unauthorized. The only information they were able to give me about the device is that it is an XXXX device which I assume is my phone. But nobody besides me ( to my knowledge ) has had access to my phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
I applied for a loan on online XX/XX/2019 with ONE MAIN FINANCIAL and received an Approval for two types of loans {$11000.00} secured, {$6200.00} unsecured. I received an email from a local branch in XXXX CALIFORNIA. I called and someone ask can she call me back later she had a customer at her desk. I received a call from XXXX three hours later and she ask me a lot of questions which was fine, but I started feeling like she was stereotyping me. XXXX ask me to upload my Check stubs verification of income, Drivers License, and Bank Statement for proof of Residents. The next morning I upload all the information she request and she called me back 30 min later and said we can't approval your loan, because we can't verify your income ... I said how did you try to verify my income than she will we look at your bank statement and then a said I have Three bank accounts, you told to just a Bank statement for proof of Residents.. I ask to speak with the Manager XXXX XXXX and she said hold and then came back to the phone and said he is busy and that I can call corporate, because they are the one who made the decision NOT TRUE!!!! I work for the XXXX XXXX XXXX XXXX, AND A XXXX   XXXX COMPANY. MY CREDIT IS GOOD NO LATES, NO COLLECTIONS, NO JUDGEMENTS. THIS WAS A CLEAR CASE OF ME BEING XXXX AND THEY WERE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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:
I submitted a letter to XXXX & Equifax, XXXX XXXX advising them that these two accounts don't belong to me, they sent me a letter explaining that their investigation was completed. I then requested a copy of how they verified the information that I had disputed? they then advise me if I had any issue to please contact the creditor I contacted the creditor they themself have not been available to verify or furnish a signed agreement bearing my signature to prove to them that the account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: CA

Complaint narrative:
I saw a notification from my credit monitoring service today XX/XX/19 saying that there was a Bankruptcy on my credit report ; I had no idea that these things were on my credit because they do not belong to me. I have never filed for Bankruptcy in my life. I have no idea who these accounts belong to ; I believe that this Bankruptcy was clerically filed in error and needs to be removed from my credit report. I have already filed a police report regarding this incorrect information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was looking at my credit reports and noticed inaccuracies that Bank of America was reporting to the credit bureaus. 

Bank of America is reporting to XXXX  and XXXX  that I was 30 days late in XX/XX/XXXX and XX/XX/XXXX Bank of America sent me a letter on XX/XX/XXXX stating that the account is reporting accurately. I find that hard to believe since the info Bank of America reports to XXXX  is not the same as they report to XXXX and XXXX. With that being said I do believe that is a violation of the Fair Credit Reporting Act.

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