vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am a consumer with BofA I am complaining about a new feature on the mobile app which is XXXX I told bank of america I want to turn off the feature and BofA did help remove XXXX but i was forced to use it there is NO setting to turn it off in the mobile app and as a consumer I HATE USING XXXX PLEASE RELEASE A UPDATE TO TURN OFF XXXX AND REMOVE HER FROM THE ACCOUNTS PAGE AND I NEVER LIKED USING virtual assistants online.

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 2018-06-05 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: NV

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HONOR FINANCE, LLC
State: NV

Complaint narrative:
I have a loan with HONOR FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and HONOR FIN with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have a loan with US BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and US BANK with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX and XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/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 2018-06-05 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: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XX/XX/XXXX I submitted a CFPB complaint # XXXX   about Penfed regarding an account that was still listed as a past due charge off that was sold to collection company name XXXX. Penfed responded to this complaint XX/XX/XXXX stating that they still owned this account and that XXXX XXXX was collecting for them in their complaint response. XX/XX/XXXX I agreed with XXXX XXXX and Penfed to settle this account in full and to close this account out to a XXXX balance if I paid the amount of {$2700.00}. XX/XX/XXXX I paid this amount with my debit card and the funds were withdrawn from my account on XX/XX/XXXX. I contacted Penfed and was told that it would take 30 to 60 days for my account to reflect a XXXX balance and to be updated to a satisfied account. However, this never happened. On XX/XX/XXXX I initiated a dispute with XXXX echoing all the above details and on XX/XX/XXXX XXXX  completed their dispute with a verification of the current reporting. XXXX could not have researched the reference account and then verify the information because that is not correct. I believe XXXX did an electronic XXXX   verification and did not research this in its entirety. If PenFed did in fact verify that the account was reporting correctly on my credit report then they are in violation of credit reporting guidelines.

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 2018-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2018, my co-account holder, XXXX XXXX, made purchses from our joint Chase Bank Account Number XXXX. These resulted in a temporary overdraft. I was, as usual, working out of state testing railroad tracks. However, per Chase 's policy, XXXX XXXX transferred money from his other Chase account to cover the overdraft, before the XXXXXXXX XXXX. CDT deadline on the same day. Therefore, there should have been NO overdraft fee. However, Chase claims, erroneously, that the transfer happened after XXXX. Several accurate and official timekeeping sources indicated that the transfer was before XXXX. We, therefore believe that this was not a legitimate charge, that somehow, erroneously or deliberately, the timeline was manipulated. This has never happened before, this discrepancy. We beleive that this is in retalition for a complaint already on file with Chase, by XXXX XXXX, for lack of timely refinding of {$310.00} which had been fraudulently charged by a merchant recently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-05 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: PA

Complaint narrative:
I have made several attempts in clearing up all inaccuracies on my credit report. My name, address, social security number, inquiries, accounts and telephone number. I have called and sent in letters. I have one name, one social security number, one address, one telephone number. Inaccurate accounts. false inquiries.

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 2018-06-05 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: NC

Complaint narrative:
XX/XX/XXXX I submitted a CFPB complaint # XXXX   about XXXX regarding an account that was still listed as a past due charge off that was sold to collection company name XXXX. XXXX  responded to this complaint XX/XX/XXXX stating that they still owned this account and that XXXX XXXX was collecting for them in their complaint response. XX/XX/XXXX I agreed with XXXX XXXX and XXXX to settle this account in full and to close this account out to a XXXX  balance if I paid the amount of {$2700.00}. XX/XX/XXXX I paid this amount with my debit card and the funds were withdrawn from my account on XX/XX/XXXX. I contacted XXXX and was told that it would take 30 to 60 days for my account to reflect a XXXX balance and to be updated to a satisfied account. However, this never happened. On XX/XX/XXXX I initiated a dispute with Experian echoing all the above details and on XX/XX/XXXX Experian completed their dispute with a verification of the current reporting. Experian could not have researched the reference account and then verify the information because that is not correct. I believe Experian did an electronic XXXX  verification and did not research this in its entirety. If XXXX  did in fact verify that the account was reporting correctly on my credit report then they are in violation of credit reporting guidelines.

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 2018-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Karma, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. This company is not licensed in the state of Florida to collect a debt. I've tried to contact this company with no response. I also sent a certified letter for them to validate or provide proof of debt with my signature ... I would like this company removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: AES/PHEAA
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion and XXXX XXXX XXXX  with no successful resolution. XXXX  and TransUnion only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/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 2018-06-05 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: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX XXXX XXXX with no successful resolution. Equifax and XXXX  only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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 — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards with American Express and XXXX. While no accounts were established the application left fraudulent inquiries on her credit reports from both American Express and XXXX. A formal dispute was sent to each bank concerning the fraudulent matter ( XX/XX/2018 ) however as of this date neither bank has notified my client of the outcome of the investigation which is an FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 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: OH

Complaint narrative:
I have sent 3 requests to have inaccurate dismissed bankruptcies removed from my Experian report, along with a letter from the US Clerk of Courts verifying that they did not provide this information to Experian. I sent a letter dated XX/XX/XXXXand XX/XX/XXXX with an unverified response, another letter on XX/XX/XXXX and I have not received any response to this letter and it has been more than 30 days. Experian has not provided any proof verification of the validity of these dismissed bankruptcies. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcy did not have Entry of the Order for Relief nor ever been Adjudicated. In fact, it was Dismissed Prior to Adjudication. See attached Court Report Case XXXX dated XX/XX/XXXX. See Attachment 02. Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcy on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.

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 2018-06-05 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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards with XXXX XXXX and SYNC/WalMart. While no accounts were established the application left fraudulent inquiries on her credit reports from both XXXX XXXX and SYNC/WalMart. A formal dispute was sent to each bank concerning the fraudulent matter ( XX/XX/2018 ) however as of this date neither bank has notified my client of the outcome of the investigation which is an FCRA violation.

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 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company ( Portfolio Recovery Associates ) has been sending numerous letters about this debt that I have never owned. I have sent debt validation letters to this company, however they reply with a bill. I sent a certified letter XX/XX/XXXX The responded XX/XX/XXXXwith accounts and the amount owed. The company is claiming I have 3 accounts with them of the amounts {$680.00}, {$490.00}, and {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have sent 3 requests to Transunion disputing dismissed bankruptcies reporting on my credit report. I have sent an affidavit requesting that answer my affidavit point by point, line by line to verify they accuracy of the information they are reporting and claiming to be verified. I have only received deficient responses with no proof to their claim. 

I refer to the attached Transunion Credit report file CHAPTER XXXX BANKRUPTCY DISMISSED as clouded. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcies did not have Entry of the Order for Relief nor ever been Adjudicated. Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcies on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary. Your response within 14 calendar days upon receipt of this letter is 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 2018-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XX/XX/XXXXI fell very ill, I defaulted on a XXXX XXXX personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you

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 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans union is reporting a late payment for XX/XX/2017 on my XXXX XXXX account. I was not late I paid on XX/XX/2017. I have attached my payment receipt.

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 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I needed to do a temporary lift of my credit freeze with all 3 agencies. XXXX   and XXXX  were a breeze, their websites worked flawlessly and quickly. 

I have spent 45 minutes on the Equifax website, which keeps timing out with no success. I called their customer service line, who informed me that he was customer service, not the credit freeze department, tried to sell me a product. 

At this point I'm waiting for " the credit freeze department '' to open so I can call that number at XXXX (! ) and try to get those folks to help me. 

Here 's the sad part ... .my sister works for Equifax . When I was venting to her, her response was " Yep, that sounds about right. '' Even their employees know that they are a terrible organization. 

Hold their feet to the fire and make them perform. They have the funds to fix this!

Company response to consumer: Closed with explanation