vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 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: DISCOVER BANK
State: IN

Complaint narrative:
XXXX, and for that matter XXXX and XXXX and XXXX, continue to " report '' on my credit two debts that by their own admission are more than 7 years old. Discover card alleges a fraudulent debt that isn't mine, but admits that the delinquency occurred and was first reported in XXXX of XXXX. Similarly, XXXX XXXX admits that a XX/XX/XXXX delinquency reported in that month is still on my credit. The LAW is that seven years from a delinquency, if the account is never again current is the MOST that an item can appear on your credit, period. Yet, XXXX reports that these items will be on my report until XXXX and XXXX, which are more like 8 or 9 years ( see attachments ). These items must come off now. I attach my own XXXX credit report showing that, as a matter of law, these two debts, which are fraudulent to begin with, are totally and completely as a matter of law over 7 years old and must be removed. Seven years from XXXX of XXXX is long past. 
Note the circled areas on the attachments to this complaint -- there is no doubt these items should have been removed in XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Regarding two charges from XX/XX/2019 in the amount of {$1500.00} and {$250.00} The charges were made on XX/XX/2019 and disputed on XX/XX/2019. 
After not hearing back from TD Bank a request for fallow up was made on XX/XX/XXXX by XXXX, XXXX XXXX XXXX XXXX in the XXXX NJ office The response from TD on XX/XX/XXXX was that. TD claims that they requested more information from me. 
( Note that is the ONLY communication that I did not receive from TD throughout this entire ordeal ). 
The more information was then provided to XXXX, XXXX XXXX XXXX XXXX at the XXXX NJ branch on XX/XX/2019. 
XXXX, XXXX then faxed that information to the proper department in TD Bank but did not save the fax receipt hence TD is denying the claim because the branch did not save the fax receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IA

Complaint narrative:
My son, XXXX and I are both on this banking account at US Bank. On XX/XX/2019, XXXX attempted to withdraw {$500.00} USD on an ATM machine at the US Bank : US Bank XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX No money was dispensed, and he got a message that he needed to remove his card so he did. XXXX thought there was a machine malfunction so he tried the transaction again and received message that he had reached his limit and could not withdraw funds. Online banking showed that the {$500.00} was taken out of his account. XXXX called the bank and was told that it would get figured out because the ATM machine wouldn't balance so the money would be put back into his account. However, the money was not put into his account and the complaint was closed because the bank said the ATM balanced. They then filed a fraud report, and told us to wait 10 business days for provisional money to be put into XXXX 's account. The money wasn't put into the account and when I called to check on it, they said that it wasn't fraud, that it should have been filed as a dispute so they closed that claim and filed it again as a dispute. We requested that they give the {$500.00} provisional money and they denied that request, then XXXX XXXX called the next day to say that the money will be put into the account, until that claim is settled. We have requested numerous times for someone to watch the video to prove that XXXX did not receive the money. HOWEVER, XXXX XXXX XXXX, Assistant Vice President at that location sent us an email stating " When the Police present us with a subpoena for information well be able to get that on to the right department so that they can work with the Police. '' XXXX did file a police report, then we followed up with the detective, who stated that he isn't able to get a subpoena for this because it's not a criminal matter, but a civil manner. And US Bank is still not willing to watch the video to determine what happened! This is ridiculous! 

We want someone to please watch the video of the transaction from XX/XX/2019 at XXXX to see if the money was or was not dispensed to XXXX . We would like to see the video also. This has been such a fiasco! 

Then please grant XXXX the {$500.00} plus any overdraft fees that have accumulated since XX/XX/2019 - which the bank has said they will do, if it's proven that XXXX did NOT receive the money. But no one at US Bank will watch the video to prove what happened to the cash.

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 2019-07-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
I sent a debt validation letter to Allied Collection Services requesting they send me proper documentation to myself such as a copy of the original contract with my wet signature, documentation proving they have the legal authority to collect on this alleged debt. They received my letter on XX/XX/2019 via tracking info & was confirmed with account specialist XXXX on XX/XX/2019 XXXX. 

In my letter I unequivocally asked Allied Collection Services to cease collections/reporting until such account was validated which they did not. 

XXXX XXXX ( supervisor/legal ) stated on a recorded call ; that the account was not going to be removed as it was " allegedly validated '' on XX/XX/2019. 

My validation letter dated XX/XX/19 was a rebuttal for Allied Collections to send me physical proof meaning documentation and not just verifying an address or name. 

As of XX/XX/2019, I have received no response/correspondence to my validation letter that was received by them on XX/XX/2019. I then spoke to account specialist XXXX who confirmed no other documentation was sent out following my XX/XX/19 rebuttal validation letter. 

This is a clear violation of the Fair Debt Collection Practices Act. ( section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary ) ( section 609 states that they are required to send me the paperwork associated with this 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 explanation
Consumer complaint received 2019-07-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report I noticed several fraudulent items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report I noticed several fraudulent items.

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 2019-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This is in regards to my Capital One Auto finance loan. Currently my credit reports this loan as a charge off. I have contacted all 3 credit bureaus and Capital One to resolve this issue. The matter has not been satisfactorily resolved. The car loan agreement was for 72 months to finance the amount of {$12000.00} starting on XX/XX/XXXX. The car was involved in a car accident on XX/XX/XXXX and the insurance company, XXXX XXXX, deemed the car as a total loss. I continued to make monthly payments on the loan and I paid the lienholder, Capital One, in full XX/XX/XXXX, which is well within the terms of the contract. I have attached a couple documents from Capital One to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report I noticed several fraudulent items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
On behalf of our client XXXX XXXX, trustee of the deceased borrower XXXX XXXX, we have been working on trying to get legal fees remove the deceased borrower loan. The borrower died in the property last year and was found by family member end of XX/XX/XXXX. He fell behind not because of negligence he DIED. Union Bank made fun of the fact that family did not know he had passed away and have been doing everything they can to make this process even harder for the grieving family. We are currently in escrow and scheduled to close XX/XX/19 and the foreclosure auction is scheduled for XX/XX/19. I have requested an extension of at least 10 days just in case something goes wrong and they denied our request. Not only that, we ( Escrow and I ) have requested a payoff demand multiple times with no luck. They claimed that they did not received our requests or that the requests were invalid. This transaction will pay them off in FULL this is not a short sale. Union Bank is trying to steal the equity of this home from this grieving family. All we ask for is at least 1 more week if not 10 days to close escrow and they will have full payoff.

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 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion was reporting that my Cash Reserve Line of Credit attached to my checking account was closed. The Line of Credit is/was open and is in good standing and has been open since the XXXX, over 21+ years of good credit. I disputed saying the line of credit is open with a XXXX balance. TransUnion for whatever reason removed the account from my report entirely. Removing 21+ years of good credit tanked my credit score by 70 points instantaneously. 

Now that TransUnion has removed this from my credit history permanently, they say I can not file a dispute with them to add it back on my report as there is no existing record to dispute. TransUnion states the creditor ( in my case XXXX XXXX ) needs to send them a reinsertion record. I have spent over 3 days on the phone with XXXX speaking to the following departments : Cash Reserve, Customer Service via TeleServices, branch representatives at my banking office, Loans department, etc. and no one at XXXX knows how to satisfy TransUnion 's request for reinsertion. 

My Official complaint is TransUnion does provide the means for a consumer to update their credit history with good credit. TransUnion do not provide information to creditor how to send in a reinsertion report. 

My TransUnion File Number : XXXX and I am adding two screenshots from XXXX 1 ) " Screen Shot XXXX at XXXX XXXX '' result of my dispute with TransUnion, and 2 ) " Screen Shot XXXX at XXXX XXXX " displaying the XXXX information about the open active account that TransUnion should be reporting as open. 

I am also attaching screen shot " Screen Shot XXXX at XXXX XXXX '' my XXXX Accounts Page showing the active Line of Credit.

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 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have been an American Express Bluebird customer over seven to eight years. Never have I experienced such rudeness from their customer service department as well as a hold they are talking about for seven to ten days. I have a prepaid Visa and Master Card as soon as a return hits my card it is credited. I called Amex due to TWO returns one in the amount of {$26.00} and the other {$67.00}. This is inexcusable, I work hard and have Direct Deposit every pay period to this account. I need to get gas for next week and because American Express Bluebird rudeness, I may have to catch a ride with a friend or stay home. They can not even explain what Merchant Hold Means. I will redirect my Direct Deposit to my regular bank and cancel this card. This is horrible treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
I was contacted by a company called XXXX XXXX XXXX. I was told that there was a court case against me for larceny of property for a XXXX XXXX credit card account that has been closed since XXXX. I was told I needed to send {$500.00} by XXXX on XX/XX/XXXX or there would be a warrant placed for my arrest. I had not received any communication by mail prior to this phone call nor did I receive any other phone calls prior except for a phone call that was placed to me on XX/XX/XXXX which I thought was fraudulent. I also received a call coming from my county courthouse and was told I would need to contact this creditor or I could have a felony charge on my background.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: NV

Complaint narrative:
This is in regards to my XXXX XXXX XXXX XXXX loan. Currently my credit reports this loan as a charge off. I have contacted all 3 credit bureaus and XXXX XXXX to resolve this issue. The matter has not been satisfactorily resolved. The car loan agreement was for 72 months to finance the amount of {$12000.00} starting on XX/XX/XXXX. The car was involved in a car accident on XX/XX/XXXX and the insurance company, XXXX XXXX, deemed the car as a total loss. I continued to make monthly payments on the loan and I paid the lienholder, XXXX XXXX, in full XX/XX/XXXX, which is well within the terms of the contract. I have attached a couple documents from XXXX XXXX to support my claim.

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 2019-07-26 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: NV

Complaint narrative:
This is in regards to my XXXX XXXX XXXX finance loan. Currently my credit reports this loan as a charge off. I have contacted all 3 credit bureaus and XXXX XXXX to resolve this issue. The matter has not been satisfactorily resolved. The car loan agreement was for 72 months to finance the amount of {$12000.00} starting on XX/XX/XXXX. The car was involved in a car accident on XX/XX/XXXX and the insurance company, XXXX XXXX, deemed the car as a total loss. I continued to make monthly payments on the loan and I paid the lienholder, XXXX XXXX, in full XX/XX/XXXX, which is well within the terms of the contract. I have attached a couple documents from XXXX XXXX to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is in regards to my XXXX XXXX XXXX finance loan. Currently my credit reports this loan as a charge off. I have contacted all 3 credit bureaus and XXXX XXXX to resolve this issue. The matter has not been satisfactorily resolved. The car loan agreement was for 72 months to finance the amount of {$12000.00} starting on XX/XX/XXXX. The car was involved in a car accident on XX/XX/XXXX and the insurance company, XXXX XXXX, deemed the car as a total loss. I continued to make monthly payments on the loan and I paid the lienholder, XXXX XXXX, in full XX/XX/XXXX, which is well within the terms of the contract. I have attached a couple documents from XXXX XXXX to support my claim.

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 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
The debt with Ability Recovery Service was open in XXXX. I filed three credit disputes via XXXX  on XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX. At the second dispute, the creditor agreed to closed the account and dropped it off of my credit report for 2 months. In XX/XX/XXXX, when I checked my report, and it reappear for a more recent date of XX/XX/XXXX causing my score to drop. According to the Fair Credit Reporting Act, this act is illegal and I can file a suit, especially since it is affecting my ability to buy my children and I a house.

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 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I was a victim of the 2017 XXXX breach and as result, identity theft has accorded and a account was fraudulently opened in my name. I have already filed a complaint with the XXXX, contacted credit bureaus, and contacted the company. AD ASTRA RECOVERYXXXX XXXX is a fraudulent account and is not mine. I have already asked for the account to be removed from my credit bureaus and it hasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO BANK NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Made payoff payment to BMO HARRIS AUTO LOANS on XX/XX/2019. Registered payment with them on XX/XX/2019. Said it takes 17 business days to release lien for payment to clear. I requested the lien to be released sooner due to the vehicle being given to my parents in another state. They are unable to register the vehicle until lien is removed. Was told they will fax to the DMV to release the and it never happens. They say title is in the mail and I never receive it has already been 15 business days.

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 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Daily harassing phone calls. I did call to complain to Pioneer Credit Recovery an they wanted to verify personal information which I refused to give. I have no outstanding debts and do not know why this company continues to harass 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 2019-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Have had repeated calls to employer, most recently being XX/XX/2019. They ask for me and make it known that they are a credit card company seeking to speak with me regarding debt. This is not anyone elses business and has caused me embarrassment and personal strife.

Company response to consumer: Closed with non-monetary relief