vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was approved for my Capital One Secured Card on XX/XX/2017 after speaking to several representatives on ways to increase credit score and what is the best card as well as options credit limits and so on. I recently inquired about my Secured Card in an attempt to get a credit limit increase and upon process was informed that it is impossible. I was also informed that I had 80 days from approval of card to put through a credit limit increase. I also inquired about the deposit ( {$49.00} ) that i had put down for the limit of ( {$200.00} ) and was told that they would look into me getting my initial deposit back due to great behavior. I have never missed a payment on this Secured Card and have had another credit card with Capital One for over 6 years. I am contemplating closing this card down and would hate to and would want to find a solution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Portfolio Recovery for {$1200.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Portfolio Recovery did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX reported the debt was verified at the previous amount. Of {$1.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX  or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: Retail Merchants Associates
State: LA

Complaint narrative:
I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Retail Merchants for {$1000.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Retail Merchants did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX  reported the debt was verified at the previous amount. Of {$1000.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: TX

Complaint narrative:
I was married XX/XX/XXXX, and have contacted the three credit card beauro 's to update information on my credit that was either outdated up not correct spring of XX/XX/XXXX. 

The three credit reports came from XXXX, Equifax Currently I am trying to purchase a home, and the lender has stated, that all three companies have my name still incorrect, in many variations. 

Each credit company has told me that they could not update my name until lenders or credit card companies send in information of the updated name, because that is where the name changes come from. One has stated they can put my name as AKA but also keep all the other names on file. 

My problem is I have notified these companies months ago about the updated information, the mortgage lender will not approve my home loan without the information updated to show my legal new name despite the fact that the previous names were the names used for credit and they have a marriage license to prove so. 

I need this information updated asap. The banks had my updated information since early this year, and the social security office as well the passport office. All my government official documents have been updated, and the credit beauros are causing my loan to possibly be denied because they have not correctly updated my information even though I have joint accounts with the new last name, banks with the new last name. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: CONTRACT CALLERS INC
State: NY

Complaint narrative:
On XX/XX/XXXX I filed a complaint through the CFPB website against CONTRACT CALLERS after XXXX/XXXX/XXXX notified me that CONTRACT CALLERS had responded to my complaints against XXXX/XXXX/XXXX  through the CFPB that the debt had been validated, which I know is not possible, because the account CONTRACT CALLERS has placed on my credit report is a result of fraud. An account that I have directly disputed with the company, XXXX XXXX, beginning when I learned of the first fraudulent account that was opened in my name for an XXXX XXXX account in XX/XX/XXXX or XX/XX/XXXX, and after that account was disputed and removed from my credit reports, in XX/XX/XXXX or XX/XX/XXXX I received notification of another account that XXXX XXXX allowed to be opened in my name and they then combined the two fraudulent accounts in an attempt to collect both accounts. The account ( s ) were removed from my credit reports in the past after disputing the accounts as fraud with the prior collection agencies who were sold the fraudulent accounts XXXX XXXX. 


On XX/XX/XXXX CONTRACT CALLERS responded to my complaint against them through the CFPB that they had validated the debt with the company and the proof that they provided is nothing more than a copy of a utility statement with my name and an account number at an address that I have disputed and had removed from my credit reports because it is not an address that belongs to me. CONTRACT CALLERS is in violation of the FCRA and the FDCPA because they willingly and knowingly provided inaccurate information to XXXX/XXXX/XXXX that they had/have validated the debt when they have not nor can they because the account is fraud and they have not fulfilled their obligation under Federal and State laws to prove that a disputed debt is valid. CONTRACT CALLERS CAN NOT claim that they have received validation from the company they are collecting the account for with a billing statement. AN ACCOUNT IS NOT VALID JUST BECAUSE A COMPANY PROVIDES a billing statement with a person 's name, an account number and address. IF THAT WERE THE CASE, no one who has had an account fraudulently opened in his/her name would be able to dispute fraudulent accounts to have them removed from their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have lodged disputes with XXXX XXXX, Chase, XXXX and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have lodged disputes with XXXX XXXX, XXXX, Barclays and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

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 2018-05-07 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: UT

Complaint narrative:
I attended XXXX XXXX XXXX in XX/XX/XXXX. The loan was in the amount of {$5000.00}. 
The loan was paid in full in XX/XX/XXXXto XXXX XXXX XXXX in XXXX, NY. I just received my latest credit score from Experian and its showing a student loan in the amount of {$18000.00} that was opened in XX/XX/XXXX. I've been living in XXXX XXXX, Utah since XX/XX/XXXX. I have never took out any student loans in XXXX nor do I know anything about the loan. If you have any proof of the student loan in question please mail the information to me at the below address. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Utah 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 2018-05-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
I have a second mortgage through U.S. Bank that was originally for {$50000.00}. Below lists information regarding a chapter XXXX bankruptcy that we filed. 

XXXX XXXX XXXX and XXXX XXXX Case type : bk Chapter : XXXX Asset : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Date filed : XX/XX/XXXX Date of last filing : XX/XX/XXXX Debtor discharged : XX/XX/XXXX Joint debtor discharged : XX/XX/XXXX Date terminated : XX/XX/XXXX During and after our bankruptcy we have not received any statements or notices stating what our monthly charge is supposed to be. To avoid any problems with our mortgage we paid monthly through our bank account what we were originally told to pay. Over the years we somehow accumulated over {$6000.00} in charges and/or fees. Apparently, with us having a variable interest loan, our monthly payments fluctuated. This put us behind which put us into a perpetual fee cycle. Maybe 3 or 4 times I received mail notice that we were behind on payments. Each time I tried to figure things out on the phone to what was happening and how to remedy the issue. US Bank continues to refuse to provide a statement. Online where I am able to access my account, which i wasn't able to do for years, my account does not state my monthly charge. Instead, it states how much I owe overall due to fees and other charges. When I call US Bank, I'm told that I don't have to pay the large amount but just need to pay the minimum that does not include fees and charges. I let them know that I'll have to call every month if I want to know what is owed each month and to please fix it so that I know what's owed monthly. I've also asked to have charges and fees waived since for years I was accruing charges month after month without ever knowing it was happening. Each time I called previously, I had thought the issue was fixed. It wasn't until I could actually see my account online about 6 months ago that I could see that US Bank had added onto my original account of {$50000.00}. I have lived in my house for almost 10 years now and instead of paying down my loan I owe more than when I first got the loan. 

I had thought that bankruptcy laws protected the consumer from such things happening.

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 2018-05-07 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: MD

Complaint narrative:
I am writing to request assistance with Experian. I believe that they are not actually investigating and verifying my accounts. I believe this to be true because after I submitted the same information to the other two credit bureaus XXXX and XXXX and after investigating them the accounts were deleted. I wrote Experian several times in the past four months regarding the inaccurate information on my credit report and they are refusing to remove it. 

My most recent letter to Experian states : XX/XX/2018 Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, The below accounts are inaccurate, out of date and the balances are incorrect. 

Based on your results, I believe that you have not investigated or verified these accounts correctly or at all. By law ( FCRA Fair Credit Reporting Act ) you are required to investigate consumer disputes and remove the accounts if they are found to any inaccuracies. There is no way you could have properly investigated and verified these accounts and they were deemed accurate. 

I am requesting that you actually investigate and verify these accounts for accuracy, and delete them, as they are incorrect. 

Creditor : XXXX XXXX XXXX Account Number : # XXXX Reason : Inaccurate. Out of Date. Incorrect Balance. 

Creditor : XXXX XXXX XXXX Account Number : # XXXX Reason : Inaccurate. Out of Date. Incorrect Balance. 


Creditor : XXXX XXXX XXXX XXXX Account Number : # XXXX Reason : Not mine. 

Creditor : XXXX Amount : {$18000.00} Account Number : # XXXX Reason : Inaccurate. Out of Date. Incorrect Balance. 

Creditor : XXXX Amount : {$21000.00} Account Number : # XXXX Reason : Not mine. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD 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 non-monetary relief
Consumer complaint received 2018-05-07 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: LA

Complaint narrative:
I looked at my credit report and there was a XXXX XXXX account listed which I never applied for or received. my Identity has been compromised.I have notified them in the past that this account is not mine and I want it removed. This has been since XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Ad astra recovery service for {$400.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Ad astra recovery service did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX   reported the debt was verified at the previous amount. Of {$400.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: CA

Complaint narrative:
I paid the 2nd installment of my XX/XX/XXXX-XX/XX/XXXX property tax in the amount of {$2700.00} in XX/XX/XXXX. I did it so I can claim it as an itemized deduction on my XX/XX/XXXX Income tax return. If I did not pay it, the mortgage company will have to pay it because there is an escrow account in my mortgage to pay the property tax. The mortgage company admitted there was an excess in their escrow account and mailed me a check for {$1000.00}. This is {$1600.00} short. There is no reason for the mortgage company to hold on to this {$1600.00} shortage.I want all my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove Fruad Alert off credit report.

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 2018-05-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When l checked my XXXX credit report, l noticed that ; BANK OF AMERICA reported a hard inquiry on XX/XX/2018 which l have no idea about it.

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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
XXXXXXXX XXXX is frauding me. They're not honoring their own services. I wasn't happy with their service so I asked for my money back XXXX I told them someone else is helping me. Not only did they not pay me my money back, but they send these emails like they're reaching out to me and that's not the case. Beginning of this month they kept charging my card until they were able to get something off if it. A sum of XXXX. I did not authorize this charge by far that they took upon themselves to charge me. It's not right and it's not fair. Due to mistakes on my credit report I been dealing with cfbp on my own over my credit report and removing items that I know not supposed to be there. I want my money back and for them to honor their policy of unsatisfied customer and refund my money on both accounts immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove Fruad Alert off credit report.

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 2018-05-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove Fruad Alert off credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 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: Ability Recovery Services, LLC
State: LA

Complaint narrative:
I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Ability Recovery Associate for {$930.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Ability Recovery Associate did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX reported the debt was verified at the previous amount. Of {$930.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.

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 2018-05-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When l checked my XXXX credit report, l noticed that there is a hard inquiry made by CHASE CARD on XX/XX/2018 which l have no idea about it.

Company response to consumer: Closed with non-monetary relief