vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-21 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: Credit Protection Association, L.P.
State: NY

Complaint narrative:
Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.

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 2018-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington National Bank of XXXX  Ohio, has informed me that I made payments that were not made when due as required by terms of the loan modification. Even though the statement that I received said I could by a LATE charge if after a date.. In the small print on page 3 - it informed me that the modication amount was due on the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: NJ

Complaint narrative:
Received a cc in the mail which I never requested, called the number in the back and they ask you to enter your SS #, they insist continuously until you are able to speak with a person in a foreign country ( assuming based on the background noise/ conversation heard ) Could this be  identity theft?

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 2018-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I received a notice about a debt I supposedly owe to a company named TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX, XXXX XXXX, XXXX , NY XXXX   XXXX. I believe that I do not owe the debt they are claiming that I owe. The letter they sent me is very vague and they are saying that I owe {$43.00} which is a very payable amount. I can't imagine that I or anyone would allow such a small bill to go to collections. That seems crazy to me. When I searched online for information about TRANSWORLD I saw some lawsuits and scam reports that have me highly skeptical and I wonder if this is really a phishing scheme for a group that is trying to steal my identity. Lastly, there are three different addresses on the letter for them. One listed above, one where I am supposed to send my payment TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX, DE XXXX and yet a different address for where this bill was supposedly sent from, also a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/18 at XXXX XXXX I deposited {$800.00} cash into a Chase ATM Instead of the cash being deposited into my account the ATM said We Hit A Snag, To be sure your deposit went through please visit one of our branches or call us at XXXX. XXXX. I called the number and they told me that they would have to investigate and would give me a temporary credit for that amount ( which they did ). However almost a month later, the matter has still not been resolved when I call back they tell me that the credit is still temporary I have also emailed asking how long until this investigation lasts and have received no answer on that time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX XXXX collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than 3,600 dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over 1000 dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. Experian solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( XXXX and XXXX  ). The data across the other credit bureau are not consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. Experian completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights.

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 2018-04-21 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: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.

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 2018-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I transferred two balances from credits cards to Capital One in XX/XX/2018 with a promo rate of 0 %. The transfer was done on the Capital One site through the balance transfer portal but the credit card statement shows them as a purchase. Two statements later, I noticed interest was being charged. I called Capital One and the rep said the system processed the balance transfer as a purchase, it was a mistake and it would be fixed. I called back a week later when another interest amount was posted to my credit card account. I spoke to a rep, re-explained the situation and she agreed the interest was charged in error. She connected me to another rep who attempted to explain that there was no 0 % offer in place at the time I made the transfer and that the interest charges would stand and I would be responsible for them. I was charged several hundred dollars in interest. I have transferred many balances over the years and would never transfer to something that was not 0 %. Additionally, the first two reps I spoke with told me that their system made a mistake and I was charged interest in error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-21 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:
XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX XXXX collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than 3,600 dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over 1000 dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. XXXX solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( XXXX  and Equifax ). The data across the other credit bureau are not consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. XXXX  completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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:
IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. THIS CREDITOR HAS BEEN REPORTING 2 ACCOUNTS INACCURATELY AS IF THE ACCOUNTS ARE ACCURATE. HOW IS THIS POSSIBLE WHEN I HAVE BEEN A VICTIM OF IDENTITY THEFT WHICH I HAVE PUT THE BUREAU EQUIFAX ON NOTICE AS WELL AS XXXX XXXX XXXX THAT THESE 2 ACCOUNTS THAT WHERE OPENDED FRAUDULENTLY. I'VE SENT NUMEROUS DEBT VALDIATION CERTIFIED LETTERS IN TO THE COMPANY ON XX/XX/20018 RECEVIED BY AGENT XXXX XXXX ASKING TO PROVIDE ME WITH THE ORIGINAL DOCUMENTS THAT CONTAIN MY ORIGINAL SIGNATURE. NO RESPONSE HAS YET TO BE GIVEN IN REGARDS TO THIS BUT A BOILER POINT STATEMENT PRINT OF CHARGES THAT SOMEONE ACTED AS ME AND CONTINUED TO PAY ON THE ACCOUNT. WHEN I CALLED IN AN SPOKE WITH A REP. REGARDING THESE FRAUDLENT ACCOUNTS SHE STATED " THE NORMALLY IF FRAUD IS COMMITTED THEN THE THIEF DOESNT PAY THE CARDS IT'S JUST A ONE TIME USE AND THEN THEIR DONE ''. I EXPLAINED TO HER THAT THESE CROOKS HAVE EVOLVED AND IF SOMEONE IS TRYING TO LIVE AS YOU AND CAN NOT GET CREDIT IN THEIR NAME THEY WILL PAY THE BILL TO KEEP IMPERSONATING YOU. IT'S COMMON SENSE THEIVES ARE NO LONGER XXXX. I AM SO XXXX UPSET BEHIND THIS FRIVOULOUS REPORTING I CAN SCREAM. I HAVE NEVER HAD A XXXX XXXX XXXX ACCOUNT NOR HAVE HEARD OF THEM BEFORE. THIS IS TRULY INSANE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
IN REGARDS TO : RESURGENT CAPITAL SERVICES. XXXX XXXX XXXX XXXX, SC XXXX. I HAVE NOTIFIED THIS COMPANY THAT THE CREDIT CARD THROUGH XXXX XXXX XXXX WS OPENED FRAUDULENTLY AND THAT I HAVE NEVER HAD A CREDIT CARD WITH THEM. I SENT SEVERAL CERTIFIED LETTERS ASKING TO VALIDATATION AND DEBT VERIFICATION FOR MY RECORDS TO PROVE TO THE COMPANY THAT THIS ACCOUNT IS NOT MINES, AND I AM A VITICM OF IDENTITY THEFT AND ITS TAKING ME ALOT OF TIME AND MONEY TO GET THESE ITEM REMOVED FROM MY CREDIT REPORT. MY INFORMATION WAS STOLEN WHEN I WAS INVOLVED IN A TORNADO THAT SWEPT THROUGH XXXX TEXAS IN XX/XX/2015 AT THE TIME THAT'S WHERE I RESIDED THAT MADE IT ON THE NEWS AND I LOST EVERYTHING. I NEVER RECOVERED MY PURSE AND MY CAR WAS TOTALLED DUE THE DAMAGE. THE ADDRESS ASSOCIATED WITH THE ACCOUNT WHEN I ASKED THE REP WAS SOMEWHERE IN XXXX XXXX TEXAS AND I HAVE NEVER LIVED THERE.IM TRYING TO RESOLVE THIS MANNER IN THE BEST POSSIBLE WAY I CAN BUT I AM NOT RESPONSIBLE FOR THIS DEBT. SO ONE HAS BEEN USING MY INFORMATION TO OBTAIN CREDIT IN MY NAME AN ITS UNFORTUNATE FOR ME IM LEFT TO DEAL WITH THIS MADNESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a Kohl 's department store card for years now. I have never been late on the payments for each month. One month I made the payment on the due date before XXXX of that evening. The next month I received a call from Kohl 's statng that my account was late. I explained that it is was not late and the payment was reflecting in there computer ( rep told me this ). I was then told that the cut off time for payments is XXXX. So my payment is now consider as late. The rep had offered me where if I make next month 's payment and the following month 's payment at the time I was on the phone with him it will not reflect as paid late on my credit report. I agreed and made the 2 advanced payments. Then the following month I noticed it was was showing as a 30-90 day late payment still on my credit reports. I again disputed the information and also contacted Kohl 's customer service and was told it will not show as a late payment. That did not happen. Again I contacted Kohl 's and was told that capital one is the one who holds the Kohl 's account so I contacted capital one and explained the whole situtation to them. I also explained that I do not like making payments in advance for the following month. I pay my bills monthly. The rep from capital one told me that there is no such thing as making advance for the following month and skipping a month. I again explained that kohl 's would tell me that ex : Pay a certain amount ex : {$75.00} and that would cover for 2 months and I would not have a payment till after 2 months. I did not like to to do that as it is confusing. I pay all my bills on time before the due date and never miss any payments. I again contacted Kohl 's customer service and again explained the whole situation and was told that they will send me a letter stating that my account has never been paid late ( I spoke with a supervisor ). I received the letter stating the my account is in current and good standing. I submitted this to all 3 credit reporting agency 's. I believe XXXX  finally corrected it and put this account from an adverse account to an account that is satisfactory but XXXX  and XXXX are still reporting it as an adverse account. This is affecting my credit score. I've been with Kohl 's department store for a long time and never had any issues until now. Actually I just checked my XXXX credit report and it was corrected and taken off so it's just XXXX and XXXX. It make no sense that the status is showing current paid as agreed but yet listed under an adverse negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: TX

Complaint narrative:
IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. I HAVE INFORMED THE EQUIFAX BUREAU OF AND THE CREDITOR THAT I HAVE BEEN A VICTIM OF IDENITITY THEFT AND I HAVE SENT CERITIFIED LETTERS XX/XX/2017 ASKING FOR THE DEBT VALIDATION AND VERIFICATION OF WHEN THE ACTUAL CONTRACTUAL AGREEMENT WAS SIGNED WITH MY ORIGINAL SIGNATURE AND I HAVE NEVER RECEIVED A SINGLE RESPONSE JUST A SETTLEMENT LETTER. I HAVE NEVER SHOPPED AT XXXX XXXX XXXX FOR ANY ITEMS. I HAVE WENT THROUGH ALL THE PROPER CHANNELS IN RESOLVING THIS MATTER AND NOW I AM MY LAST STRAW. MY IDENTITY HAS BEEN USED AND STOLEN BY SOMEONE I DO NOT KNOW AND EVEN THE EQUIFAX BUREAU CONTINUES TO PUT THESE WRONG ADDRESSES ON MY CREDIT FILE THAT I HAVE NEVER LIVED AT. THIS IS TRULY BECOMING A NUISANCE TO ME. I KNOW SOMETIMES BAD THINGS HAPPEN TO GOOD PEOPLE BUT THIS IS UNFORTUNATE I HAVE TO SUFFER ON THE COUNT OF SOME CROOK WANTS TO DEFRAUD THE SYSTEM. DURING THE TIME THIS ALLEGE ACCOUNT WAS OPENED I WAS CARING FOR MY AILING FATHER AND COULDN'T LEAVE HIS BEDSIDE BUT I TRULY WANT TO KNOW HOW THIS FRIVOULOUS REPORTING CAN CONTINUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Upon my review with the Secretary of State my findings are that XXXX XXXX XXXX XXXX and XXXX XXXX  are NOT licensed, nor bonded to collect a debt in the state of Michigan so therefore no debt is owed, nor have they shown validation to this debt. I would respectively appreciate deletion of said items. There was another company reporting falsely on my Credit Report named XXXX hopefully they removed from all three reporting bureaus as indicated in letter sending, someone upon billing selected the wrong XXXX XXXX none of my children require pediatric care my baby is XXXX years old. Also I paid three collections off reporting by XXXX XXXX XXXX XXXX XXXX these were small hospital bills that were in violation of my HIPAA Law I want the derogatory reporting removed. As well I have sent several letters to XXXX XXXX asking that their false reporting of late payments be removed, I was late thirty days, not 60 upon their realizing their mistake the employee filed a dispute by his own accord trying to right the matter, however the report still shows inaccuracies. As well my report reflect inquireies that were not authorized, please remove all except those ( belonging to me ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX are mine, I have been disputing causing my score to plummet trying to get items addressed and removed, with no respect to my plea, my frustration or my time. Credit is a respected privilege wisdom is the best teacher. Frustrated consumer, thank you.

Company response to consumer: Closed with explanation