vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had a " XXXX Card '' over a decade ago. The account has been closed and inactive for over 10 years. There was no valid card issued in that time. There have been no statements received in that time until 2 months ago. Two months ago I received a statement through the postal mail from " Capital One XXXX Card. '' It showed a balance from charges made in another country. As far as I can recall I have never had a Capital One card but I recognized the " XXXX Card '' so I called to report the fraud. The individuals were less than helpful as they took my information and used it to setup another account and then transferred the balance to that account. No one could explain how an account that had been closed for over a decade and did not have a valid card attached could accumulate a charge. Instead they continued to ask for more information from me which is apparently being used to setup accounts. After I reported the fraud they sent another invoice with a new account number which still shows a balance and now has accumulated fees and interest. I have once again called. This time I was told they closed the account on XX/XX/18 but there is a balance still owed. They can see there was no card issued to the account but they claim the account was " inactive '' for a decade but not closed. Even though there was no card issued and no statements being sent they are claiming they left the account open for a decade. Even though there was no valid card issued to the account, no expiration date, no cvv code, somehow they are claiming that a charge was still made to a closed account and they continue to send me bills with accumulated late fees and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
I was asked to pay debt in XX/XX/XXXX which was already paid on XX/XX/XXXX Amount - {$55.00} Original account number - XXXX ( Already paid ) New Account number - XXXX Paid to CMRE Financial Services Inc XXXX XXXX XXXX   XXXX XXXX XXXX XXXX CA XXXX Phone - XXXX XXXX XXXX This time they billed it under a different account number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello The XXXX credit card was closed by them they went out of business So why did they close the account? 
Its in good standing. 
Now my credit has taken a toll for it?? 
Please let me know. 
Thank you 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 2018-05-13 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: Account Control Technology, Inc.
State: PA

Complaint narrative:
I call Account control Technology XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX on and XX/XX/XXXX to get a pay off and the transcripts of my loan where the payment was going and interest. because they are taking XXXX an month out of my check and only haft is showing on credit report. i told the lady i was thinking about getting a loan to ay this off and was told i was not allowed to do that recorded phone call by them. Never received the papers call again on XX/XX/XXXX, to see where the papers was was told by XXXX that i only owed XXXX i asked what i owed and and that is what he said i asked him again and he said yes recorded phone call again by them. XX/XX/XXXX i got papers in the the mail to request a hearing i never asked for these again i called asked again for the interest and payments was told by a supervisor i owed over XXXX dollars. i told her what i was told she put me on hold to pull the phone call said she could not pull it. that XXXX  miss spoke. all these phone calls are recorded but they can not seem to get this one. this call can be used in court. i told the that this company works for the federal government when i told them that they said you would use the federal government. thay are not the federal government but that act as thay are.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Amsher collection agency had reported 3 debts to the credit bureaus without sending any notifications by mail therefore not giving me my right to dispute the validity within 30 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I inadvertently overpaid my Bank of America credit card. When I called to get a reimbursement for the overpayment they refused to reimburse me for several days and insisted I would have to call again after 3 business days so they could verify my payment. The payment was already posted from my bank account. Overpayment was {$1300.00}

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 monetary relief
Consumer complaint received 2018-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc.
State: OH

Complaint narrative:
ARS was sent a letter to remove an item from the report they hold under my social security number and share with the 3 major credit bureaus. It is not permissible under FCRA since there is no information bearing my signature to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I applied for a Home Equity Loan and was told the following : The rate for your loan was at 8.74 % and the max allowed was 7.39 % so we can not proceed. This was after pulling my credit. This individual XXXX XXXX said he could not explain it any better and he sent me an e-mail saying the same thing with no clearer an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I just recently started a new job in XXXX that partners with a company called XXXX to pay a percentage of their employees transportation fees. In order to take advantage of this you are required to create an account with XXXX and link a debit card with it. On Friday, XX/XX/XXXX, I tried to do this online but wasnt able to as I was prompted with a Capital One is blocking you from enabling external applications So I tried calling customer service at Capital One to resolve the problem but came to no avail. The representive didnt seem to understand the issue I was presenting to him. and I dont blame him, Im not entirely sure how to fix it or why its an issue at all- whether I should call and speak with a representive at XXXX or a different department/associate at Capital One, Im not sure. I tried again today to link my account with my debit card and was given the same message as before, but when prompted Im only given an option to either call Capital Ones customer service line, XXXX  Capital One, or write a complaint here at CFPB. I tried calling with no luck and I dont use XXXX so ... anyway I hope someone can help soon. XXXX subway fare can really add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Thia company has no real info plus they say this debt was from XX/XX/2010 and when life lock contacted them they couldnt even provode info on what address these services were at i was the victim of id theft many years ago and thia is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: CA

Complaint narrative:
On XX/XX/XXXX I went into the XXXX in XXXX Ca and dealt with XXXX a XXXX XXXX salesperson and I clearly told XXXX that I would consider getting their services if I was able not to use my social security as I did not wanted a credit score pulled and he said " Do not worry, all I need is your home address and telephone number '' and I asked again " are you sure? ", he replied " Yes, we do not need your social security number ''. On XX/XX/XXXX XXXX XXXX send me an alert the XXXX XXXX XXXX had done a hard inquiry on my FICO through Equifax, I immediately disputed that fraudulent inquiry with Equifax and a few days later with XXXX XXXX XXXX as well. I believe that on the XX/XX/XXXX or XX/XX/XXXX I also spoke to an XXXX XXXX XXXX supervisor detailing the conversation I had with their sales rep at XXXX and that they needed to remove their fraudulent inquiry immediately! so far, I have not succeeded or have gotten that inquiry removed and my FICO has dropped about 21-23 points over that incident. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: TN

Complaint narrative:
I contacted Trans-Union to inquire about the inquires listed on my credit report that had been removed and then re-interested into my credit report without prior written notification and I am requesting permanent removal. Trans-Union refused to do so at the time of contact and that is why I am reporting through CFPB. Upon doing research I have noted that the following inquiries are to be inaccurate : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX5. XXXXXX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX 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
Consumer complaint received 2018-05-13 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 a victim of identity theft. enclosed are my valid and notarized identity theft affidavit. please review, delete & block the fraudulent item that is reporting inaccurately on my credit due to identity theft. as well as following the FCRA laws when a consumer submits an identity theft affidavit. I have no knowledge of this account, nor did I gain from the opening of this account. thank you in advance for your cooperation.

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 2018-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I had two collection accounts with Portfolio Recovery Associates ( PRA ) - one for {$1500.00} and another for {$230.00}. Not even sure one of them is valid - beyond the point. At this moment in time, the collections are paid - and the predatory calling is stopped. 
I don't question the validity of the lower debt ( {$230.00} ), however, PRA, had broken several laws trying to collect money. 

PRA has been known to be incorrect on consumers balances, interest rates, and payment due dates in attempting to collect debts. PRA purchases large portfolios of consumer debt with balances that sellers claimed were " approximate '' or that otherwise did not reflect the correct amount owed by the consumer. Sellers also warned the companies that some of the debts they were buying may not have the most recent consumer payments deducted from the balance. Some sellers also represented that documents were not available for some of the accounts. PRA continues purchasing these debts and collection on it without first conducting any investigation to determine whether the debts were accurate and enforceable. 

When trying to litigate the problems, their practices are not only sketchy but illegal. Personally, they pressured me into making full payments using misrepresentations. I can even remember at a point when the operator told me I would have these lines removed from my credit for paying in full. 

Finally, PRA violated the Telephone Consumer Protection Act while attempting to collect these debts, by their predatory lending practices. I would be more than willing to dig up inbound calls from my phone provider providing you can identify all their garbage numbers calling every 30 minutes. Not only did they call my personal cellphone, they called my PARENTS EVERY 30 MINUTES. ( see XXXX XXXX et al. v. Portfolio Recovery Associates )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I went into the XXXX in XXXX Ca and dealt with XXXX a XXXX XXXX salesperson and I clearly told XXXX that I would consider getting their services if I was able not to use my social security as I did not wanted a credit score pulled and he said " Do not worry, all I need is your home address and telephone number '' and I asked again " are you sure? ", he replied " Yes, we do not need your social security number ''. On XX/XX/XXXX XXXX XXXX send me an alert the XXXX XXXX XXXX had done a hard inquiry on my FICO through XXXX, I immediately disputed that fraudulent inquiry with XXXX and a few days later with XXXX XXXX XXXX as well. I believe that on the XXXX or XXXX I also spoke to an XXXX XXXX XXXX supervisor detailing the conversation I had with their sales rep at XXXX and that they needed to remove their fraudulent inquiry immediately! so far, I have not succeeded or have gotten that inquiry removed and my FICO has dropped about 21-23 points over that incident. Please help me!!

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 2018-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I went into the XXXX in XXXX Ca and dealt with XXXX a XXXX XXXX salesperson and I clearly told XXXX that I would consider getting their services if I was able not to use my social security as I did not wanted a credit score pulled and he said " Do not worry, all I need is your home address and telephone number '' and I asked again " are you sure? ", he replied " Yes, we do not need your social security number ''. On XX/XX/XXXX XXXX XXXX send me an alert the XXXX XXXX XXXX  had done a hard inquiry on my FICO through XXXX, I immediately disputed that fraudulent inquiry with XXXX  and a few days later with XXXX XXXX XXXX as well. I believe that on the XX/XX/XXXX or XX/XX/XXXXI also spoke to an XXXX XXXX XXXX supervisor detailing the conversation I had with their sales rep at XXXX and that they needed to remove their fraudulent inquiry immediately! so far, I have not succeeded or have gotten that inquiry removed and my FICO has dropped about 21-23 points over that incident. Please help me!!

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 2018-05-13 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 a victim of identity theft. enclosed are my valid and notarized identity theft affidavit. please review, delete & block the fraudulent item that is reporting inaccurately on my credit due to identity theft. as well as following the FCRA laws when a consumer submits an identity theft affidavit. I have no knowledge of this account, nor did I gain from the opening of this account. thank you in advance for your cooperation.

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 2018-05-13 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: NY

Complaint narrative:
hello I am a victim of identity theft. enclosed are my valid and notarized identity theft affidavit. please review, delete & block the fraudulent item that is reporting inaccurately on my credit due to identity theft. as well as following the FCRA laws when a consumer submits an identity theft affidavit. I have no knowledge of this account, nor did I gain from the opening of this account. thank you in advance for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC.
State: NJ

Complaint narrative:
This complaint is against XXXX XXXX. I had a 15yr interest only mortgage which was coming due in early XX/XX/XXXX. I contacted XXXX in writing for a refinance or modification. This request was sent in XX/XX/2007. We were contacted by a XXXX  Loan processor XXXX XXXX ( please see letter dated XX/XX/XXXX ) requesting contact to discuss my approval for modification. I did contact XXXX  via telephone and made arrangement for a meeting at a local XXXX  office in XXXX XXXXr ( XXXX XXXX XXXX in XXXX XXXX NJ ) .The telephone conversation was around XX/XX/XXXX. The date for the meeting was to be determined. Then on a letter dated XX/XX/XXXX we received a letter denying the modification. I made a inquiry as to why, the response was I had a bankruptcy and the mortgage was not reaffirmed. I told XXXX my bankruptcy was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. My bankruptcy was filed according all the duties and responsibilties of USC 1996 Chapter XXXX  and reaffirmed in compliance to section 524c and 524d. XXXX XXXX and all my creditors were contacted. From that point on we were sent payment stubs for voluntary ( as if I was still in the bankruptcy process ) payment.This is clearly a violation of my rights.Also XXXX miss-stated payments, wrong reporting to a credit bureau. Trying to explain this to XXXX fell on deaf  ears. I was told they can do ( sent voluntary payment coupons ) anytime they want! The reason why I am logging this complaint is my home is currently in sheriff sale. All, what has happened in the last 10 years should not be .XXXX XXXX had no standing on denying my mortgage modification, all payments were made. I have also filed a complaint with the DOJ .We also were part of the mortgage agreement with the Federal goverment. I can provide more documentation than what I have attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I have filed two disputes with Equifax. They are reporting 4 of my accounts with wrong balances and have said they have verified it. This is the only reporting agency reporting them inaccurately. The balances are with XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I contacted the four companies and they assure me that they are not reporting what Equifax is stating. Equifax is also reporting a card that was reported lost in XX/XX/2017 as a charge off, as charges were continued to be allowed after card was reported missing. They will not accurately update anything and it is causing great harm to my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC
State: MS

Complaint narrative:
In XX/XX/2013, I was in an auto accident whereas I sustained injuries and acquired substantial doctor bills that had to be paid. While tending to my injuries I missed one payment which shows on my credit report and is bringing my credit score down for it shows 30 day late. I have asked this company to remove since I am a good customer who pays on time. I want it deleted for we all can not say when we will need help or have an unforseen occurrence.

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