vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I sent four letters dated XX/XX/18 to Capital One disputing late payments and the accuracy of those late payments on four accounts. I was very detailed in my letters which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. I received four letters from Capital One stating that the accounts were reporting correctly, information on when I applied for the accounts, and placed a disagreement code with a resolution of dispute on my credit reports. After I received the letters from Capital One, I pulled my credit report from XXXX dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions a line item that is reported on a credit report, and mark the item as being disputed within 30 days. These accounts were not marked in dispute. I received letter from Capital one dated XX/XX/18 stating again that these accounts had been properly validated. I sent another letter dated XX/XX/18 to Capital One detailing that they had not provided proper validation of reporting late payments and requested the late payments be removed. I received letters from Capital One dated XX/XX/18 and XX/XX/18 stating they had completed their investigation and the accounts were reporting correctly. I pulled my Experian report again on XX/XX/18 and these accounts had been marked " Account was in dispute-now resolved-reported by subscriber ''. I also sent letters to XXXX, XXXX, and XXXX disputing the late payments of these accounts dated XX/XX/18 and all three credit bureaus reported the late payments were valid, and marked my accounts " Account was in dispute-now resolved-reported by subscriber ''. Capital One has violated section 623 ( a ) ( 3 ) of the FCRA by not providing validation and not marking my accounts in dispute within 30 days. Please see attachments for all correspondence regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
This is my second complaint. I am having my paycheck garnish at will from Americash loans. I have no idea on how to stop them. I have XXXX XXXX and unable to pay for my meds or rent this mount due to the back to back wage garnishment. I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a current and active PayPal account. On XX/XX/18 I requested to withdrawl {$200.00} from my PayPal balance to my debit card instantly. I agreed to the instant transfer fee and clicked agree. I received a error message stating transfer will be delayed 72 hours. I was promised over the phone by a PayPal representative that I would receive my funds by Wednesday XX/XX/18. Never received my funds and PayPal put limitations on my account. I called PayPal again and my call was routed straight away to collections dept. The PayPal collections dept attempted to collect a old alleged debt that was included in my bankruptcy. PayPal is collecting illegally and is holding my funds hostage

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
In early XX/XX/XXXX I called Capital One regarding a late fee posted to my credit card account. I spoke to a senior rep. who told me my payment of XX/XX/XXXX was credited to the prior billing period and not to XX/XX/XXXX. I got her to review my account and because she saw I regularly paid my bill in the early part of the month she reversed the late fee. I thought it was taken care of. I made my XX/XX/XXXX credit card payment on XX/XX/XXXX. 
On XX/XX/XXXX I received a mobile notification from their phone app that my payment was late. I checked my account and it showed a late fee again. 
I spoke with a rep who told me the fee was because I had not made the minimum payment for XX/XX/XXXX. It was higher because I had not made a payment in XX/XX/XXXX. 
I immediately asked for a senior acct rep ( later identifying herself as " XXXX '' [ employee ID XXXX ] ). In brief, she told me it was impossible for Capital One to reallocate the payment made in XX/XX/XXXX for XX/XX/XXXX. and that in order to solve the problem I would have to make a payment of around {$400.00} before XX/XX/XXXX ( this in addition to whatever minimum required for XX/XX/XXXX )!  When asked she refused to refer me to her supervisor and would not give that person 's name. Like most people, I can not afford an extra {$400.00} due to *their* error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian was notified about possible identity theft and collection that doesnt belong to me, about a year ago. Police report was filed along with identity theft report. Collection was removed, but came back again a year later. 
Customer service is not available to fix the problem, website is constantly down, phone numbers are providing same recording that doesnt have proper prompts to address the issues. No sources available to fix the access to my credit report, to file the dispute, or access the company representative.

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 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I was called once by the company. Told them I have no knowledge of this account and have never had service from the company. That same day the filed a collection account to XXXX credit bureau. I disputed it and it was removed the same day. He has called over 4 times that day when I answer they never talk and then hang up ...? Then the next day my XXXX credit report says I have two collection accounts from the same company.this is being disputed now along with the XXXX. Now they are still calling 5 plus times a day but when I answer they just hang up. Also in Florida if I am disputing they are not aloud to call.

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 2018-11-01 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: IL

Complaint narrative:
Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXXs repeated requests. Second, Mr. XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, Mr. XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX. Hence, Equifax again went silent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: TX

Complaint narrative:
Transunion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXXs repeated requests. Second, Ms. XXXX requested Transunion to provide the method of accuracy & verification used by Transunion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Transunion remains non-compliance till date. Third, Ms. XXXX requested Transunion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Transunion again went silent.

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 2018-11-01 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: TX

Complaint narrative:
Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXXs repeated requests. Second, Ms. XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, Ms. XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Equifax again went silent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: TX

Complaint narrative:
I have 1 problem its dropping my credit score and should not be.

1. ) Capital One credit card All payments where made on time. I've called capital one and asked about the situation they told me my account balance was {$0.00}, because its been payed on time. but the payment before the last payment stayed on my credit this is the payment made that still remains on my credit saying its not payed XX/XX/2018 {$250.00} My most resent payment was XX/XX/2018 {$300.00} its say between XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX XXXX XXXX   credit card balance increased by {$250.00} from {$0.00} to  {$250.00} I was wondering if y'all could fix this because its hurting my credit really bad. 


please get back to me credit went from XXXX XX/XX/2018 to XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: TX

Complaint narrative:
Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXXs repeated requests. Second, Ms. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Ms. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Experian again went silent.

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 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Expert Credit Sweeps
State: CO

Complaint narrative:
I contacted the company and told them I need copies of all disputes letters because none of the bureaus are responding to any of the disputes letters. Come to find out letters were never sent. I have paid {$220.00} per month for 6 months and didnt get the service I paid for. No proof of letters sent or responses from the bureaus. I believe this was all a scam because I know if things were being done I would receive feedback. I tried calling her emailing her and all I get is an excuse but no proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 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: TX

Complaint narrative:
Experian reportedly verified a Bankruptcy file date on XX/XX/2018. By law, I have the right to request and receive the following information regarding how that information was verified. If that information from the XX/XX/2018 investigation is not received, Experian is in clear violation of FCRA laws and the item must be deleted. ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. The CRAs must respond to my request within 15 days and provide the information.

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 2018-11-01 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: IL

Complaint narrative:
I have had this XXXX card account removed off of my credit reports only to have it randomly reappear over half a year later. I only have 1 XXXX Card. What is showing on my account is 2 accounts. My actual account as well as a delinquent account opened 2 years ago that does not belong to me. I have had this account removed before and insist on having the fraudulent account removed again-permanently.

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 2018-11-01 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: IL

Complaint narrative:
I have had this XXXX card account removed off of my credit reports only to have it randomly reappear over half a year later. I only have 1 XXXX Card. What is showing on my account is 2 accounts. My actual account as well as a delinquent account opened 2 years ago that does not belong to me. I have had this account removed before and insist on having the fraudulent account removed again-permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: IL

Complaint narrative:
I have had this XXXX card account removed off of my credit reports only to have it randomly reappear over half a year later. I only have 1 XXXX Card. What is showing on my account is 2 accounts. My actual account as well as a delinquent account opened 2 years ago that does not belong to me. I have had this account removed before and insist on having the fraudulent account removed again-permanently.

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 2018-11-01 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB step and remove the alleged accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB step and remove the alleged accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 2018-11-01 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB step and remove the alleged account ATTORNEY GENERAL-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I have been a customer in good standing with first national bank of Omaha for over 10 years and as of XX/XX/2018, they decreased my credit limit by over {$9000.00} with no viable explanations. This has increased my average balance vs available credit to 53 % and has dropped my score significantly. They cant explain why they have done this but they will not offer a solution. I am a single woman and I am just trying to make ends meet and creditors like this make it hard. I have paid this company on time every month for the past 10 years with only one slow pay which was taken care of immediately.

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 2018-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The reason for my writing Is that Capital one is being unreasonable. I had a XXXX on XX/XX/2017. This XXXX incapacitated me for a whole month while recovering to my normal state, as a result, I fell behind on that month, monthly payment. I took the liberty to write to capital one to inform them of my medical condition. They requested that I send them proof of my hospitalization which I did attach a medical certificate as proof and my bank statements ending XX/XX/2017, which shows a balance of {$1500.00} in my bank account showing I had enough money on my accounts to make the {$27.00} payment which was past due were it not for the medical condition. Even Capital one knows my income is over {$400000.00} a year. As a result, I have no reason for me to fall behind if he was physically able to make the payment. But to my surprise, Capital one refused to remove the late payment history of the time I was down due to the medical condition which was 100 % not my intention or doing to be late. I have always had a good reputation with this company, I have attached the letters I sent to capital one for review.

Company response to consumer: Closed with non-monetary relief