vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I mistakenly double scheduled to pay my XX/XX/2019 Capital One account balance of {$500.00}. Once I discovered this mistake I called Capital One and ignorantly asked for a " refund '' of one of the {$500.00} that I double paid. Capital One did refund that {$500.00} back into my account with XXXX  XXXX XXXX. Then I get my XXXX statement that shows a " Payment adjustment '' of {$500.00} -- shown as a transaction with the {$500.00} added to the actual purchases I made that month. I called Capital One four times!! and again this morning making 5 times, and all they did was refund the {$4.00} interest they charged me on that {$500.00} they insist I must pay. In today 's call, I learned I used the wrong " terminology '' for asking to have that extra {$500.00} refunded, and he hung up on me. I have mailed Capital One headquarters in XXXX XXXX XXXX Utah, all copies of all bank accounts, card statements and long letter explaining what happened, and all I get is a very lame letter advising " since you acknowledged you received the payment refund of {$500.00} to your bank account and we debited you Capital One account for the same amount. We confirmed the balance owed is correct and as of the date of this letter ( XXXX. XXXX ) the  balance is {$770.00} when I had only made in actual purchased transactions of {$160.00}. 
I am desperate as Capital One refuses to acknowledge they did not { " debit '' my account with the {$500.00}, rather they charged my account with the payment adjustment of {$500.00} as actual purchases when it should have shown as - {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a 30-day-late mark on my credit reports from my ( closed in mid-XX/XX/2019 ) Citi AAdvantage Platinum Select World Elite Mastercard ( XXXX XXXX XXXX XXXX ). I had not used the card for all of 2019, and had the {$95.00} annual fee post on the card on XX/XX/2019. I called Citi in late XXXX/XXXX  XXXX before it was due to have the annual fee taken off and the card downgraded to the fee-free ( AAdvantage MileUp ) version. 

When I spoke with the representative, they explained the change process, and understanding it would take some time, I specifically asked when the {$95.00} annual fee would be taken off. I know that sometimes it takes a couple billing cycles before an annual fee or other charge is removed, so I specifically asked do I have to pay the {$95.00}, or will it be taken off before it is a problem? I was told by the call center representative that the fee would be taken off ASAP, and t

hat I did not have to pay it or do anything further. Because of this, I obviously never paid the {$95.00}, having been told it was going to be removed before it affected me, and thus got a late mark on my credit report. I think it is self-evident that, having always paid on time with Citi and every single other bank ( zero late payments on my credit reports other than this one ), I did not pay it because I couldnt
afford it, I only didnt pay because I was specifically told that I did not have to. The {$95.00} annual fee was the only charge on the card at the time ; there werent any other charges for the entire year of 2019. I also have a letter sent to me by Citi ( see attached ) that clearly states I scheduled the card to be downgraded to a fee-free version on XX/XX/2019.

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 2020-03-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Back in XXXX of 2019 my husband disputed the balance of his XXXX credit card that I am a authorized user on due to the balance being incorrect. The company investigated and found their error and updated the balances with the credit bureaus. XXXX  and XXXX  updated the balance and still reports the card on my credit report. Transunion removed the information all together even though XXXX is still reporting the on time payments and the balances to them they are refusing to report it on my credit report. I called transunion at XXXX spoke with XXXX XXXX who stated that Transunion has an internal policy that they can not give consumers in writing that states if you are an authorized user on an account and it is disputed they remove it from your credit file. I believe this is a violation of the fait credit reporting act because if a creditor is reporting information to a credit bureau by law they are required to report it to my credit file. If that's the case I should be able to remove anything I want.

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 2020-03-12 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: CA

Complaint narrative:
I am a XXXX year old woman who is continuously badgered by XXXXXXXX XXXX XXXX who refuses to disclose an original debtor and his attached the {$14000.00} lien on my credit. They continue to call me during my work hours while I take XXXX XXXX XXXX XXXX XXXX and threaten me with legal action and arrest. I live in California and have no idea what the debt is in can not unless they properly disclose original signatures original paperwork and all the things that are required by law to show me that I actually owe this debt they claim I owe. Meanwhile I've made several attempts with credit bureaus to remove it and none have been answered properly. No parties in vaults have followed the strict legal guidelines set out by the fcra which I have taken the past year to study and familiarize myself with.

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 2020-03-12 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: CA

Complaint narrative:
I am a XXXX year old woman who is continuously badgered by XXXX XXXX XXXX who refuses to disclose an original debtor and his attached the {$14000.00} lien on my credit. They continue to call me during my work hours while I take XXXX XXXX XXXX XXXX XXXX and threaten me with legal action and arrest. I live in California and have no idea what the debt is in can not unless they properly disclose original signatures original paperwork and all the things that are required by law to show me that I actually owe this debt they claim I owe. Meanwhile I've made several attempts with credit bureaus to remove it and none have been answered properly. No parties in vaults have followed the strict legal guidelines set out by the fcra which I have taken the past year to study and familiarize myself with.

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 2020-03-12 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: FL

Complaint narrative:
I AM WRITING ABOUT WHAT I NOTICE ON MY CREDIT REPORT WHICH IS CRAZY. I NEVER AUTHORIZE THESES ACCOUNTS. SOMEONE OPEN ACCOUNTS USING MY INFORMATION. I WANT THESES ACCOUNTS TO BE REMOVED OFF MY CREDIT THIS IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: FL

Complaint narrative:
I AM WRITING ABOUT WHAT I NOTICE ON MY CREDIT REPORT WHICH IS CRAZY. I NEVER AUTHORIZE THESES ACCOUNTS. SOMEONE OPEN ACCOUNTS USING MY INFORMATION. I WANT THESES ACCOUNTS TO BE REMOVED OFF MY CREDIT THIS IS FRAUD.

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 2020-03-12 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am fairly a happy customer with Citi Bank with a credit card relationship since 2017. I have not missed a payment but I was given a credit line of {$200.00}. I called and spoke with a representative about converting from the Citi Diamond to one of the 3 offered new product - I elected the Advantage Executive. The Rep advised that I needed a minimum credit limit of  {$5000.00}. I applied and got denied a credit line increase online, then again the rep processed another credit line increase. I asked if there is a way to make contact with their credit team to request a second review since there is no credit check involved. I was advised that they are not customer speaking, understandly I opted to ask if the rep could create an internal escalation with my request for a second review ; I was then told there is no way they could communicate with the credit team. In awe of this response I asked to speak with a Supervisor to be told the same thing. I am not sure if this is a dead stop to the service I was asking for or if its a form of prejudice being refused a service. I have other credit cards with high limits, 2 XXXX charge cards ( platinum and Gold ) and have never missed a payment. Having a credit line of only {$200.00} is more harmful then helpful, if I should spend {$100.00} then it would be reported that I have 50 % credit available to me which will probably give an adverse effect to my credit rating.

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 2020-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
ftc violation XXXX XXXX XXXX, Capital One Bank,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: TN

Complaint narrative:
In XXXX of XXXX, I placed a FOIA request for specific information concerning student loans that was sent to the Dept of Education. The Dept of Education failed to provide all the information requested at that time so I placed a 2nd FOIA request in XX/XX/XXXX and outlined information I would like to be provided concerning student loan debt along with additional information. 

Included in my request were items as listed 1. Offer 2. Acceptance 3. Consideration 4. Mutuality of Obligation 5. Competence and Capacity 6. Written Instrument I also requested from The Dept of Education servicer information 1. Assignment information 2. Terms and conditions 3. Borrower Acknowledgment Which is Federal laws and State laws for my state of TN. 

I also requested I be provided any securitization information ( SLABS ; Hedge Funds etc ... ) Additional request : Original paperwork Chain of title Assignments ( Please see email attachments ). 

I requested all the information provided notarized by of individuals who can testify under oath and utilized in a court of law. 

As of todays date, XX/XX/XXXX, I have not received any of the requested information. Fedloans, who has only stated they are servicing the loans, without the requested paperwork from ( Dept of Education ) or anything provided by Fedloans, or following Federal or State law requirements and in violation of TCPA ( Tenn Consumer Protection Act ). 

I applied for a Deferred/Forbearance of any loans Fedloans stated they have in their records.in XX/XX/XXXX. They took those loans out of deferrment/Forebearance the next month XX/XX/XXXX and have been trying to collecting over {$100000.00}. 

Licenses are also required to come into the State of TN. 

Please review : No. 19-2116 IN THE UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT Commonwealth of Pennsylvania, Plaintiff-Appellee, v. 
Navient Corp., and Navient Solutions LLC, Defendants-Appellants. 
On Appeal from the United States District Court Court for the Middle District of Pennsylvania Hon. XXXX XXXX XXXX Case No. 3:17-cv-01814-RDM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: IL

Complaint narrative:
NEW COMPLAINT LOAN INTEREST NOT PROPERLY CREDITED ACCOUNTING ERRORS ... Contrary to pnc assertions this matter is not resolved. the PNC customer history i recieved was a partial one.PNC issued checks to me UNTIL XX/XX/2109 overpaid rebates and had correspondence with me and claimed transactions were processed on my closed auto loan account after XX/XX/2019. The customer history includes none of this data, i believe because i paid off my loan in 9 months there were additional accounting interest errors on my auto loan account. I contend by overpaid rebate was valid and as well reference to those checks and transactions and actions after XX/XX/2019 are also curiously absent from my customer history. which is not a complete auditing of my account but instead a printout of limited transactions not including the accounting errors made by PNC Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I disputed several accounts on my Equifax report back on XXXX and XX/XX/2019. I received my credit report on XX/XX/2019 stating that the items was deleted but they was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: CA

Complaint narrative:
I applied for a car loan today XX/XX/20 and I was not approved because apparently there are some accounts and inquiries that are reflecting negatively on my credit report. None of the items I listed on this report belong to me nor did I authorize anyone to open them in my name with my personal information. I have no idea who is responsible for opening these accounts on my behalf without my permission and I have already filed a police report. I did not benefit any money, goods, services or any other type of benefit as a result of these accounts/inquiries and I never made any payments towards these accounts. I am not affiliated to any of these companies and I never gave them permission to run or access my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Timeline ( 1 ) I leased XXXX XXXX XXXX for two years starting on XX/XX/XXXX and enrolled auto payment since then. 
( 2 ) I extended the lease for another 3 months before the first lease expired ( 3 ) I called NMAC on XX/XX/XXXX to check if my bank account has been setup to pay the extended lease. And I got confirmation from the NMAC agent, telling me everything was setup. Note that I had granted NMAC to get money from my checking account and it had sufficient information from my side to do that.

( 4 ) But later I found there was a past-due posted on my account and I contacted NMAC to resolve the problem. And again I got confirmation from the corresponding agent, telling me my account was setup but still they didnt draw money from my checking account due to their mistake until XX/XX/XXXX. 
( 5 ) Before NMAC reported the past-due record on my credit report, I didnt receive any message in either email or call about this issue. 
( 6 ) In XXXX XXXX, I found my credit score has been ruined by NMACs mistake. I contacted NMAC on XXXX XXXX to resolve the issue. The agent promised me to send out the result which I havent received ( 6 ) In XX/XX/XXXX, I contacted NMAC again for the update of the result. The agent told me NMAC decided not to remove that past-due record. To prepare evidence for future usage, I told that agent I also recorded our bilateral phone call as NMAC did. The agent demanded me to stop and brutally shutdown the call when I asked why. 
( 7 ) Since NMAC refused to resolve the issue, I filed a complaint in XXXX  and received NMACs response on XX/XX/XXXX, which still refused to correct their mistake. In addition, they cited the Fair Credit Reporting Act to justify their misbehaviour, which is against the spirit of this Act since it does NOT grant the credit agent like NMAC to ruin a persons credit score and refused to correct their error. 

The NMAC misbehaviours ( 1 ) I got confirmations from NMACs agents multiple times ( XXXX XXXX XXXX and XX/XX/XXXX ) about my account was setup to pay the lease. Note that the bank account is exactly the same as the original lease. 
( 2 ) NMAC got sufficient permission to draw money from it for the payment but it didnt. Even though I called them multiple time to resolve the issue. If NMAC had trouble in drawing money, how could they did it on XX/XX/XXXX. Note that I didnt provide any additional information to them during that period. 
( 3 ) NMAC reported the past-due item to my credit report without contacting me to solving the problem first.

( 4 ) NMAC refused to correct their mistake on my report ( 5 ) NMAC refused my call brutally to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: TX

Complaint narrative:
ftc violation XXXX  XXXX, XXXX  XXXX, U S Department of Education, XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
THIS IS A COMPLAINT AGAINST COMENTITYCAPITALBANK/XXXX XXXX XXXX XXXX XXXX, OH XXXX USA MANAGER XXXX XXXX. I HAVE BEEN TRYING TO REBUILD MY CREDIT AND HAVE MADE GOOD PROGRESS WITH OTHER COMPANIES EXCEPT FOR THIS ONE. I HAVE MADE ARRANGEMENTS TO MAKE XXXX MONTHLY PAYMENTS ON A BALANCE OF XXXX. I HAVE MADE 2 PAYMENTS -XX/XX/20-XXXX,XX/XX/20-XXXX. I HAVE CONTACT ALL 3 CREDIT REPORTING AGENCIES THAT MY BALANCE IS INCORRECT AND I WAS ADVISE THAT THE COMPANY REFUSE TO RESPOND. I THEN CONTACTED THE BANK ON XX/XX/20 AND SPOKE TO THE MANAGER XXXX AND HE REFUSE TO STATE OR REPORT ANY PAYMENTS OR BALANCE UNLESS I PAY OR SETTLE THE ACCOUNT IN FULL. I ADVISE HIM THAT ALL THE OTHER COMPANIES REPORT MY PAYMENTS AND BALANCE. HE AGAIN REFUSE TO REPORT CORRECT INFORMATION WHICH I HAVE THE RIGHT TO DISPUTE THIS ACCOUNT. I ADVISE HIM TO CANCEL ANY FUTURE PAYMENTS I HAVE AND I BELIEVE HE AND THE COMPANY VIOLATED THE FDCPA AND CONSIDER THIS ACCOUNT PAID IN FULL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax this company is reporting fraudulent false information defaming my credit! The account is NOT MINE and is a result of identity theft from your breach! I never had a account with this company. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: CA

Complaint narrative:
I applied for a car loan today XX/XX/20 and I was not approved because apparently there are some accounts and inquiries that are reflecting negatively on my credit report. None of the items I listed on this report belong to me nor did I authorize anyone to open them in my name with my personal information. I have no idea who is responsible for opening these accounts on my behalf without my permission and I have already filed a police report. I did not benefit any money, goods, services or any other type of benefit as a result of these accounts/inquiries and I never made any payments towards these accounts. I am not affiliated to any of these companies and I never gave them permission to run or access my credit reports.

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