vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I have tried to correct this. I have received SEVERAL calls from XXXX XXXX regarding this matter and STILL not resolution. ACTUALLY it is now WORSE. Spoke to someone Friday, they told me to dispute, spoke to another person the same day told me NOT to dispute that it would correct over the weekend feed? NOW today someone else calls from XXXX with no obvious knowledge of ANY calls and tells me it is ok now.? Well it is NOT, it is NOW worse. AND STILL SHOWS A BALANCE? What is going on here. Now it shows REPOSSESSION??? which was NOT there before ONLY XXXX   is showing this. I called them again today and they said XXXX sent them the information? And still a XXXX balance on my report. this has NOW cost me on my new car loan {$60.00} more per month because of this error/ Multiply that by 72 months ... .MORE THAN THE ORIGINAL AMOUNT EVEN OWED. Tired of the runaround and the false promises. I have tried to call XXXX ... 7 times today ... and have gotten NO WHERE. i want this resolved NOW ... .do i need to get legal representation to resolve this?? I want a CALL TODAY by 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 2018-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Medical data systems for the amount of {$270.00} date added on credit report was XX/XX/2018 no information was verified for this debt.

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 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I noticed a collections on my credit report. I contacted the collection agency, Portfolio Recovery Associates, by sending a letter that they received on XX/XX/2018 asking for validation of the debt. Two weeks or so later, the collection was removed from my credit score and my scored is raised significantly ( obviously ) Didnt hear back from the company. Jump to one week ago, receive a letter in the mail from PRA giving general information but not validating the debt. Although it does say that the statue of limitations has expired and I cant be sued for this debt. The letter was dated XX/XX/XXXX but I didnt receive it until XX/XX/XXXX. The collection was then put BACK on my credit score causing it to plummet over XXXX  points. This greatly affected my personal life. They also sent me a second letter with payment options even though I have no claimed any responsibility for this debt as they have yet to validate it. Last weekend the collections was taken off my credit score AGAIN, but my score only raised about XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I got a loan for XXXX $ from XXXX XXXX for one year. I paid in full and receive a confirmation letter and payment history from them, because I have to report the lease to the credit bureaus myself. The company will not and does not report to any bureau. I called the bureaus that I have and they can not expect any report of my lease only threw the company. I am stuck please help me put my leasing to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint- TransUnion XXXX XXXX and XXXX- Submitted several times- copy ( s ) of police report ( s ) a few years back also requested FRAUD alert ( s ) to be added to all 3 Major Credit Agencies and recent shown : submitted a letter from a Major credit card company just from last year where someone attempted to apply for a Credit card in my name sent several copies to each credit agent. Sent certified letter ( s ) asking for accounts to be remove ( 2017 and this year. I have in those letter ( s ) requested a wet ink copy of signature documents proving that these accounts belong to me according to my rights. No info has ever been sent showing proof from TransUnion, Experian or Equifax that these accounts belong to me. Following accounts that need to be removed from all- 3 Credit Agencies 1. XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX $ XXXX TransUnion XXXX  XXXX XXXX XXXX XXXX TransUnion TeXXXX  XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX - $ XXXX TransUnion XXXX XXXX XXXX XXXX $ XXXX TransUnion 3 . XXXX XXXXXXXX XXXX - $ XXXX ExXXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Experian Ad XXXX XXXX XXXX XXXX XXXX XXXX Experian If my files were to be pull from All 3 Credit Agencies an investigator would see police reports that were sent from a few years back also a recent letter from a creditor from last year where someone tried to obtain a credit card in my name. Along with several CERTIFIED LETTER ( S ) THAT HAVE BEEN SENT NUMEROUS OF TIMES REQUESTING THE ACCOUNT ( S ) TO BE REMOVED!

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 2018-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My wife and I have had a business checking and credit card account since XXXX. After my wife passed on XX/XX/XXXX, I immediately paid off the card, including charges pending. When I told the joker in Texas of my wifes passing, he set me up with a reference number for submittal of death certificate, mentioning ONLY fraud protection. Instead, B of A cancelled my credit card. They could not have handled this any worse. Ill have nothing more to do with the Bank of America vultures. 
As an aside, XXXX Bank has confirmed that the card we have there is still working, and they issued another card since they were so aghast at B of As actions

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 2018-10-01 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: CA

Complaint narrative:
Unconscionable that credit bureaus charge for consumers to temporarily unfreeze an account when applying for new credit. Consumers have less and less control and protection over their data that is collected and exploited without their permission. Charging fees to temporarily lift a freeze ( the TINY bit of control offered to consumers ) is just adding insult to injury. These fees should absolutely be illegal.

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 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to correct this. I have received SEVERAL calls from XXXX XXXX  regarding this matter and STILL not resolution. ACTUALLY it is now WORSE. Spoke to someone Friday, they told me to dispute, spoke to another person the same day told me NOT to dispute that it would correct over the weekend feed? NOW today someone else calls from XXXX with no obvious knowledge of ANY calls and tells me it is ok now.? Well it is NOT, it is NOW worse. AND STILL SHOWS A BALANCE? What is going on here. Now it shows REPOSSESSION??? which was NOT there before ONLY EQUIFAX is showing this. I called them again today and they said XXXX sent them the information? And still a XXXX balance on my report. this has NOW cost me on my new car loan {$60.00} more per month because of this error/ Multiply that by 72 months ... .MORE THAN THE ORIGINAL AMOUNT EVEN OWED. Tired of the runaround and the false promises. I have tried to call XXXX ... 7 times today ... and have gotten NO WHERE. i want this resolved NOW ... .do i need to get legal representation to resolve this?? I want a CALL TODAY by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i had contacted many times XXXX XXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 - XX/XX/2018i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditorto remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry -XXXX Inquiry from XX/XX/2018 -XXXX Inquiry from XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and the collection company FRANKLIN COLLECTION SV a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Total Card, Inc.
State: AR

Complaint narrative:
On XXXX/XXXX/2018, I sent The XXXX XXXX XXXX a Validation Letter asking them to provide documentation. The attached return receipt shows that the letter was received on XXXX/XXXX/2018 and that Sue signed for it. It is now XXXX/XXXX/2018 and I have not received anything from The Bank of XXXX XXXX. It shows 2 separate accounts on my credit report from them. Both accounts are showing a credit limit of {$300.00}. I have never heard of this company and I've never done business with them. In the payment status comments, It shows that the account had been transferred to XXXX XXXX XXXX but, Its listing Bank of XXXX XXXX as the company that is reporting the negative account. Not XXXX XXXX XXXX. I have had someone to steal my identity in the past and these are definitely not my accounts. The address associated with this account is not even the address that I lived at. I will provide a Lease showing the address where I stayed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i had contacted many times XXXX  XXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 -XX/XX/2018 i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditorto remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry -XXXX Inquiry from XX/XX/2018 -XXXX Inquiry from XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
i had contacted many times XXXX XXXXXXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 i had contacted SEAR Creditor how has Run my Credit with Unauthorized and i got t proof from creditorto remove and SEARS already mentioned they sent two letter to XXXX to remove two month ago wirh no response till now i going now to attach proof has sent to them to XXXX to remove 2 hard inquiry -Sears/cbna Inquiry from XX/XX/2018 -Sears/cbna Inquiry from XX/XX/2018

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 2018-10-01 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: CA

Complaint narrative:
Unconscionable that credit bureaus charge for consumers to temporarily unfreeze an account when applying for new credit. Consumers have less and less control and protection over their data that is collected and exploited without their permission. Charging fees to temporarily lift a freeze ( the TINY bit of control offered to consumers ) is just adding insult to injury. These fees should absolutely be illegal.

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 2018-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My account has been set up on auto pay for years. All of a sudden, I log in and the account is overdue. When I reached out to Capital One they said that they did not try to send me an alert because my email was old. WHAT??!! So instead of picking up the phone and calling, they did nothing - except charge me an overage fee on XX/XX/XXXX and XX/XX/XXXX. {$39.00} and {$25.00} respectively Good luck getting ahold of these people. For reasons unknown they actually dont have an email function ( yes, in 2018, no secure email ) or a chat function and they try to dump you in 1-800 XXXX. After spending 20 minutes trying to find a way to get ahold of them I messaged them on Facebook ( so sad that anyone should have to resort to that ) and they sent me a link for a chat. 

The representative was very unhelpful ( conversation is attached ) and transfered me to an equally unhelpful, unapologetic manager.  When I voiced my concerns about the damage to my credit report his response was that the account has been late 14 times since it was opened. Are you serious? It was opened when I was in college over a decade + ago, so yes, since then I have cleaned up my credit. How is that an approrpiate response to the problem that we have at hand today? NOW my credit score is over XXXX because I have made sure everything is paid on time. Or it was before Capital One messed it up. 

They did update my email so they can now email me if a payment is overdue ( which I had no idea they were unable to do - my email never changed or bounced anything back ) and they did not pick up the phone to call me to alert me to this payment being due. If the alert system did not work ( which they admit ) it seems reasonable that the auto pay system might have glitched too and this has now damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On XX/XX/XXXX, I made a payment to Synchrony Bank for my XXXX XXXX Account. On my statement it indicates that I have a promotional purchase ending in less than 60 days. The promotional purchase was 0 % interest purchase, I tried to pay off the balance of the purchase to be told I can only pay out of my checking account and no other payment methods were accepted unless it was through XXXX XXXX. After making my payment of {$120.00} ( minimum payment due was {$100.00}, I was told that I can not apply my full payment to the promotional purchase set to expire in less than 60 days. Instead, {$76.00} dollars would be applied to my other promotional purchase that expires in XXXX and the remaining {$45.00} would be applied to my expiring promotion. I spoke that the representative to see why it was set up this way and I could not get an answer. So, I questioned the practice of Synchrony Bank splitting my payment and asked why a larger amount of money would go to the promotion that expires in 3 years and not to the promotion that expires in XXXX. 

As I was reading my bill, I noticed that I have been charged interest on a 0 % interest purchase and that I have been assessed a late fee on the purchase that was 60 months same as cash. I was unable to resolve this issue with Synchrony Bank and informed the manager that I would be filing this complaint due to questionable and unclear payment practices.

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 monetary relief
Consumer complaint received 2018-10-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I made a purchase on XX/XX/18 in the amount of {$140.00}. I subsequently returned the package. After approximately 30 days I contacted the merchant who explained that they don't issue a credit back to the card but rather issue a check. 
At this point I opened a dispute with HSBC and received a credit on XX/XX/18. 
The amount was charged back to my account on XX/XX/18 because the merchant told the bank they had mailed a check. I never received a check so they will have no copy of a cancelled check with my endorsement or account number. 
XXXX XX/XX/2018 XXXX XXXX XXXX XXXX REF NO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
XXXX XXXX, sent an amount of {$220.00} to EOS CCA XXXX. XXXX  XXXX XXXX Ma. XXXX, They are a collection agency. this amount they say I owe was a company acct. for my company cell phone. I quit working for this company in 2013, but XXXX turned this amount over to the collection company in my name instead of contacting the company that the cell phone acct was linked to. I have been trying for over 5 years now to get this off my credit report, I have the company name address and a contact person, I gave to EOS CCA, But they never contacted anyone other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I want this resolve asap ... .My credit has DROPPED further because of this. Status and amount is WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
A settlement was reached between U. S. Department of Justice and the Consumer Protection Bureau and Ally Bank for allegations of discrimination in auto financing. After notified of the lawsuit a few months later I received a letter from ally bank noting that I was to receive a credit on my loan and will be reflected on the following billing statements. The letter was dated XX/XX/XXXX. I have since called and found out that my payments were adjusted and instead of a decrease they increased from XXXX to XXXX. 
I have called and In fact the monthly payments did increase with no changes in length of total amount financed. Customer service states credit has been applied. I have the correspondence letters. Please send contact information of whom I should contact next. 
Thanks so much for your assistance. 
XXXX XXXX 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 2018-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTION ASSOCIATES, LTD.
State: MD

Complaint narrative:
I had a medical debt. Collection Associates LT ( address XXXX XXXX XXXX XXXX, WI XXXX phone # XXXX ) got a garnishment levy and sent it my employer in XX/XX/2018. My employer paid the debt out of my checks in XX/XX/2018 for the full amount. Now the company is still reporting to credit reporting agencies that I still owe them. I contacted them who said they transferred it to another lawyer and I need to contact them. Their name is on my credit report as reporting still due. I feel they are just giving me the run around instead of correcting this.

Company response to consumer: Closed with explanation