vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2018, I filed a complaint with the CFPB about TransUnion, complaint number XXXX. I have asked TransUnion to update my address now multiple times. Every other company in the world has been able to do this, including the other credit reporting agencies, but TransUnion refuses to do it. 

TransUnion 's response was that they " need '' proof of address. I do not have utility bills, and I am not sending them a bank statement. TransUnion said they keep all my information safe in the US, which a total lie because every single call I place with them goes to XXXX. You can fact-check this simply by calling them yourselves. The Fair Credit Reporting Act does not require me to send any bank information to them whatsoever, and I am not sending them a copy of my bank statement. 

Then, the CFPB just closed the case, without any input from me whatsoever, just because TransUnion wrote a response. 

I would also like to know why the CFPB closed my case before the matter was resolved. I asked for an address change, and TransUnion did not change it, so the matter is not closed. When I tried to hit the feedback button on the CFPB 's website, it did not work. Maybe the CFPB does not want any feedback about this?

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 2018-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital one has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
The NATIONAL CREDIT SYSTEM,XXXX has a collection put on my credit since XX/XX/2017 from venetian at XXXX XXXX I did and don't owe them this money they went behind my back never contacted me or anything when I spoke to the lower she said she would speak to nes about a XXXX I spoke to nes and rhey can not pull up records I owe them nothing I wasn't even home barely the last six weeks of living there due to XXXX XXXX black model in apt a theft in my apt by staff and vandalism don't t my vehicles XXXX the wner agreed to remove this and hasn't yet

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal Credit Union has charged off the debt and continues to report the debt as past due ; even though they have claimed it as a loss on their taxes and received credit for the past due amount. I have disputed this several times and they refuse to remove the past due amount from reporting. They have even tried to increase the amount owed! I want the past due balance removed. Companies can not simply write off a debt and continue to try and collect it once they have received a credit for it. Therefore, they need to remove the past due amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MI

Complaint narrative:
To Whom it May Concern : I am writing to dispute a fraudulent charge on my Discover account in the amount of ~ {$500.00}. I opened the account in early XXXX and shortly after fraudulent charges began to appear. I was unaware of the fraudulent charges until today, XX/XX/XXXX. I am a victim of identity theft, and I did not make these charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act 's amendments to the Truth in Lending Act, 15 U.S.C section 1666-1666b, 12 C.F.R section 226.13. See also 12 C.F.R section 226.12 ( b  ). Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Chase Card, After reviewing my credit report with XXXX, XXXX, and XXXX ; I noticed that a credit card account that was opened fraudulently is still being reporting to the credit bureaus. The account number being reported is XXXX .... Although no negative information is being reported to the credit bureaus, I want this account removed from my credit reports/profiles due to the fact that I do not recall ever opening this account. I believe this account belonged to an individual with a similar name that lived in the same city that I used to live in. I am requesting that you immediately cease reporting of this account and that you purge all my information from being linked to this closed credit card account. Failure to do so will result in legal action taken against your company/bank in small claims court. The only accounts I have ever had with Chase were auto loan accounts. I have never had a credit card with Chase. If you have proof that I was the individual that somehow opened the account ( closed as of XX/XX/2012 ) in question, please provide me with all the evidence for review so that I may provide an appropriate response. 

Very Respectfully, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: IL

Complaint narrative:
This debt is from a auto accident on XX/XX/XXXX. The other parties insurance company will be paying from a lawsuit that was filed. The original creditor never sent a bill to me or my lawyer. Then they placed the account on my credit back in XX/XX/XXXX '. Also they never sent a Medical Lien which all others company 's did. Now I've been fighting with the collection company and Equifax .Back in XX/XX/XXXX ' the collection company sent notification to all 3 credit reporting agencies to delete the account from my report, Which 2 of them did delete it. Equifax refuses to delete it. The collection company has sent me a draft that they sent to Equifax to delete and it's still there. I have also disputed the account with them 7 different times and it has not been removed. Now in XX/XX/XXXX ' I get a letter from the collection company saying the have entered a medical lien over a year later. With that being sent they are guaranteed to be paid once the law suit is settled. So for over a year i have had this account damaging my credit when this all should have been done first once treatment was given. They also had my heath insurance on file but never submitted for payment. I have attached Proof of the draft and the medical lien dated XX/XX/XXXX more then a year later. Creditor also says Equifax has never contacted about my account even though I have disputed it 7 times with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: WA

Complaint narrative:
Equifax posted a account on my credit report that doesn't belong to me and which has not been verified. XXXX XXXX XXXX under the direction of XXXX submitted and alleged debt that I owe without giving me proper notification. I was never allowed to review this alleged debt to see if I was the correct person it who owed it or if it was a situation of fraudulent activity. XXXX XXXX XXXX stated that it sent to my address a debt letter, but the address they sent the letter to was an address that I moved from in XX/XX/2012. I have moved three different times since I lived at the address they claimed to have sent their debt letter. I am currently a XXXX customer, whom have my current mailing address. There is no reason why there could be a mix-up in my current address. Again, I am denying that this debt belongs to me and I am asking that it be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: YKS Acceptance, Inc.
State: CO

Complaint narrative:
We purchased a vehicle from XXXX XXXX ( YKS Acceptance Inc ) in XX/XX/2014 only to have it written as a lease rather than finance. We are very near the end of payments and can not get a straight answer on payoff amount. They have been in trouble for failing to disclose and fraudulent practices in the same time frame as our purchase. I asked for a complete statement of our account with all payments, fees, interest so I can see what exactly we were charged ( 60 % over the sale price ) for. They sent me a payment record showing dates of payments but with no other information. I emailed them asking for a detailed record of our account and they have gone completely silent. This all started because I went to make an online payment in XXXX only to find their website gone and that the company doesn't exist. They were bought out by another dealer but have largely the same staff there. We were not informed about any change and when we looked to find what was going on found how much trouble they had gotten in. When asked about it they blew it off as a " misinterpretation '' of the laws. But now they are refusing to send me information to verify that my account has been handled according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have been a JP Morgan Chase Bank customer for almost 10 years and have Private Client status. On XX/XX/XXXX, a Saturday, I was checking my online account information and discovered that Chase had closed all 4 of my credit cards. I accessed the notes/statements section of my account and there was nothing there to tell me why this had happened. I went to my local Chase branch and the manager tried to help me. She called someone in Chase and was told the organizational component that closed the account was closed until Monday. This left me with an entire weekend of being frustrated. After 4 hours of phone calls on Monday and being passed around to various Chase staffers nobody could tell me what happened. On Thursday, XX/XX/XXXX, I finally received 4 letters for each of the accounts closed. Each letter stated the accounts were closed because of " Number of Credit Card Accounts '' and " Account Not Used as Intended. The letter want on to say this decision was based on negative information in my XXXX  report. I called XXXX  and they said everything was fine. My credit score was XXXX. I know credit cards are a privilege and not a right, and Chase did not have to provide prior notice of closure. However, they lied about XXXX  info and never did tell me why all 4 credit cards were closed. The only specific statement they made was one credit card had too many authorized users. Chase could not cite a specific rule or regulation I violated. This was an arbitrary and capricious treatment of a long time customer who had always paid his credit card bills on time and had several repaid loans with Chase. I used to work for XXXX ... even XXXX gives advance notice of bad news to a taxpayer. The bank 's right to cancel credit cards without notice is a blatant abuse of authority in my case. I was never warned there was an issue with adding authorized users.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Chase Bank, After reviewing my records with XXXX  ; I noticed that a checking account that was opened fraudulently is still being reported as having belonged to me. I believe this account either belonged to an individual with a similar name that lived in the same city that I used to live in or somebody fraudulently used my information without my consent. I am requesting that you immediately cease reporting of this account and that you purge all my information from being linked to the closed checking/savings account. Failure to do so will result in legal action taken against your company/bank in small claims court. I have never had a checking account with Chase. If you have proof that I was the individual that somehow opened the account in question, please provide me with all the evidence for review so that I may provide an appropriate response. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: United Student Aid (USA) Funds
State: FL

Complaint narrative:
In XX/XX/XXXX, my student loans were turned over to XXXX XXXX for collection. I made automated monthly payments totaling {$5400.00}. In XX/XX/XXXX, I received a notice that USA funds reported a default status for nonpayment, even though I was making monthly payments. Dumbfounded, I called XXXX XXXX who had been taking my month for three years, and they said, yes, I was in default. I to this day do not understand why, but they walked me through consolidation paperwork. I also requested all payment history with their company as I still did not understand where my money had been going. 
In XX/XX/XXXX, I received notice from the new consolidation company ( XXXX  ) that my principal balance is {$13000.00}. ( My balance as on XX/XX/XXXX with XXXX XXXX was {$11000.00} ) XX/XX/XXXX I called XXXX, and all they could tell me is this was the amount transferred to them. XX/XX/XXXX I called XXXX XXXX to verify the amount they transferred and they claim it to be {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: DISCOVER BANK
State: NJ

Complaint narrative:
I have been a Discover card member since XX/XX/2010. Today, I learned that each month, I have been getting charged for something called " Discover Payment Protection ''. This charges my card based on my current balance, and is currently averaging about {$60.00} per month. Over the past 8 years, these charges equal thousands of dollars. 

I was NOT aware of this " service '', and however I was signed up for it, it was not to my knowledge or with my explicit consent. The " service '' was never transparently presented to me, and Discover is unable to provide the documentation that kicked off the service for me in the first place. 

There was a lawsuit over this very issue, but Discover has since changed their policy to only refund 6 billing cycles worth of these " service '' charges ( as opposed to the full refunds that consumers have gotten previously ). I spoke to various people in this department of Discover, and all said that there is nothing they can do beyond the 6 billing cycles. They all kept reading from the same script, and not directly addressing my concerns. They claim that the monthly charge being included in my account activity and " newsletters '' are enough to notify me that I had this service. 

If you do not check your account activity, or do not read newsletters from your credit card companies, there is no other was to know this is happening. 

I feel that this I was signed up for this deceitfully and I am owed all of the money that has been charged to me since XX/XX/2010, not just in the past 6 months. I am truly considering leaving Discover and taking my business to another credit card company who doesn't use these low bar tactics to make money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America allowed a XXXX yr old minor cash roughly {$4000.00} worth of savings bonds without parental permission or presence. When I went to the bank I was told this should not have happened and a manager, who was n vacation, would contact me the following week. They didn't contact me so I went back to the bank. The manager would not come out of the office. She sent a message back saying that would only apply if the child wasn't old enough to sign their name. She further stated that since my son had an account and an ID they were allowed to cash the bonds without a parent. I've visited other banks and financial institutions who state they should not have cashed these bonds.

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 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Bank of America, After reviewing my records with XXXX ; I noticed that a checking account that was opened fraudulently is still being reported as having belonged to me. I believe this account either belonged to an individual with a similar name that lived in the same city that I used to live in or somebody fraudulently used my information without my consent. I am requesting that you immediately cease reporting of this account and that you purge all my information from being linked to the closed checking/savings account from your systems. Failure to do so will result in legal action taken against your company/bank in small claims court. I have never had a checking account with Bank of America. If you have proof that I was the individual that somehow opened the account in question, please provide me with all the evidence for review so that I may provide an appropriate response. 

Very Respectfully, 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 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Report number XXXX states my name 's incorrectly as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. 
Incorrect telephone numbers such as, XXXX XXXX, XXXX XXXX. 
Incorrect employers such as XXXX XXXX, XXXX XXXX. 
Incorrect spouse name such as XXXX. 
Incorrect address for example, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX, XXXX, PA. XXXX. 

My correct name is XXXX XXXX. 
My correct telephone number is XXXX. 
My correct employment is XXXX XXXX. 
My spouse name is XXXX XXXX XXXX XXXX. 
My correct previous address is, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA. 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 2018-05-21 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: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND POLICE REPORT FILED. I NOTIFIED THE CREDIT BUREAUS NUMEROUS TIMES SUBMITTED ALL NECCESSARY PAPERWORK TO THE BUREAUS AS THEY ASKED AND THEY HAVE NOT REMOVED THE FRAUDULENT ITEMS THAT THEY WERE DIRECTED TOO. I SPELLED OUT EVERYTHING FOR THEM CIRCLED THE ITEMS ON MY CREDIT REPORT BUT THEY DISOBEYED THE LAW AND FAILED TO REMOVE SAID ITEMS DETAILED IN CREDT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
We get a call from Medical Data Systems at least once every 2 weeks about a debt that we do not owe under my husband 's name. I have tried blocking the number but it still gets through. I am afraid to answer my phone as I have heard that these people will record your voice and use it for nefarious purposes.

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