vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I applied and was approved for the Capital One Walmart Rewards Credit Card on XX/XX/2020. However, on XX/XX/2020 I attempted to purchase a Visa gift card and a grocery snack item at a Walmart in XXXX Mississippi using Walmart Pay with my linked and aforementioned credit card and the transaction was declined. The cashier was able to print a record of why the system had declined the transaction, which was that an invalid payment method had been used. Strangely enough, when the Visa gift card was removed from the list of items I was purchasing, the transaction was approved immediately. 

This circumstance proves that Walmart Pay would not let me purchase a Visa gift card using their payment service. However, that stipulation was never presented when I applied and was approved to use the Walmart Pay service. Walmart Pay is blatantly neglecting to disclosure significant terms to their payment service and is discriminating against those purchasing gift cards. I never accepted any term that prohibited gift card purchases using Walmart Pay and therefore this unfair practice is illegitimate and without legal merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems , Inc is clearly reporting incorrect information. I do not owe XXXX of XXXX XXXX XXXX. I wrote them a letter asking them for physical proof this debt belongs to me. 30 days letter, they send me back a letter saying I need to prove it is not my debt. That is illegal. They are a total scam and they are ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I financed a XXXX with XXXX/XXXX and met all obligations as required. A mistake in the accounting procedure of XXXX without my permission or knowledge shifted my account temporarily to XXXX XXXX of which I never applied to or had an account with. This caused numerous reports to the credit people of late payments when they actually were not only on time and correct but 1 account more was paid and the account instead of being late was ahead. I have written numerous times and am attaching 8 pages of documentation for review. 
Thank you for helping me get this cleared up and the credit reporting agencie : Transunion, XXXX  and XXXX  to correct and remove all false 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
Consumer complaint received 2020-02-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I financed a XXXX with XXXX/XXXX and met all obligations as required. A mistake in the accounting procedure of XXXX without my permission or knowledge shifted my account temporarily to XXXX XXXX of which I never applied to or had an account with. This caused numerous reports to the credit people of late payments when they actually were not only on time and correct but 1 account more was paid and the account instead of being late was ahead. I have written numerous times and am attaching 8 pages of documentation for review. 
Thank you for helping me get this cleared up and the credit reporting agencie : XXXX, XXXX  and Equifax to correct and remove all false reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NE

Complaint narrative:
I meet all of the requirements for student loan forgiveness under PSLF. I applied and FedLoan told me I am not eligible until XX/XX/XXXX. My eligibility for forgiveness has been under review since XX/XX/XXXX, and the eligibility dates they have provided me have changed. 

FedLoan says my student loans were in deferment from XXXX - XXXX under XXXX XXXX XXXX. I know I made payments during this time. However, since I am no longer able to access my XXXX XXXX XXXX information online, I have requested my payment history during the time my loans were serviced by XXXX XXXX XXXX. I have requested this information from both XXXX and XXXX multiple times without complete success. I am looking for my full payment history as well as full customer service history during the time my loans were serviced by XXXX XXXX XXXX, specifically from XX/XX/XXXX - XXXX when XXXX XXXX took over my student loan.

Although I do not have the full payment history from the time my loans were serviced by XXXX XXXX XXXX, I have a document from XXXX  showing that I entered into an income based repayment plan on XX/XX/XXXX. This suggests to me that I began making payments after this date. ( document attached ) I also have documentation from XXXX showing payment history as far back as XX/XX/XXXX. This suggests my eligibility for loan forgiveness under PSLF should at least be XX/XX/XXXX. ( document attached ) My students loans would have been in deferment up until XX/XX/XXXX. However, once I entered into that payment plan, I dropped classes in the Fall XXXX semester and began making payments on my student loan as part of the PSLF program. My transcripts show I dropped classes and did not enroll in coursework to meet deferment requirements after that time. This also suggests to me that I started making payments. Otherwise, I would have continued taking classes to keep my students loans in deferment. ( document attached ) One last point I would like to make, my employment also meets the employment requirements of the PSLF program. I have worked for this same employer for over ten years. This has been verified and approved by FedLoan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 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: AR

Complaint narrative:
I want to buy a house so I spoke to a bank lender on what I needed to do to get started. My credit needed to get pulled to determine if I was able for financing. When they received my report they told me my score was to low for any type of financing for a home. I asked him why and I was showed my report. The accounts on my report are not mine. None of the accounts belong to me. I believe some one has stolen my identity. Please remove the fraudulent accounts from my report. 

XXXX XXXX, XXXX. 
XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$2600.00} US DEPT OF ED/XXXX XXXX {XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX  XXXX   XXXX {$22000.00} XXXX XXXX  XXXX {$930.00} XXXX  XXXX {$280.00}

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 2020-02-03 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: AR

Complaint narrative:
I want to buy a house so I spoke to a bank lender on what I needed to do to get started. My credit needed to get pulled to determine if I was able for financing. When they received my report they told me my score was to low for any type of financing for a home. I asked him why and I was showed my report. The accounts on my report are not mine. None of the accounts belong to me. I believe some one has stolen my identity. Please remove the fraudulent accounts from my report. 

XXXX XXXX, XXXX. 
XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$2600.00} US DEPT OF ED/XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX  XXXX {$930.00} XXXX  XXXX {$280.00}

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 2020-02-03 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: VA

Complaint narrative:
Capital One Bank are refusing to enforce the Fair Billing Credit Act regarding my dispute under MasterCard Chargeback code XXXX. 

And has reported such transaction to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: AR

Complaint narrative:
There are several items on my credit file that exceed or reporting inaccurately. 

# 1XXXX XXXX XXXX  paid in full is not a charge off should not be reporting delinquent history. # 2 XXXX XXXX this account exceed the 7-year statue reported. # 3 XXXX XXXX this account was paid in full was. Please remove the inaccurate delinquent history. XX/XX/2015 through XX/XX/2015. # 4 XXXX Paid in full and I have the letter stating paid as agreed.

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 2020-02-03 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are several items on my credit file that exceed or reporting inaccurately. 

# 1XXXX XXXX XXXX  paid in full is not a charge off should not be reporting delinquent history. # 2 XXXX XXXX this account exceed the 7-year statue reported. # 3 XXXX XXXX this account was paid in full was. Please remove the inaccurate delinquent history. XX/XX/2015 through XX/XX/2015. # 4 XXXX Paid in full and I have the letter stating paid as agreed.

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 2020-02-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-02-03 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: Direct Capital
State: OH

Complaint narrative:
I received several calls from XXXX XXXX @ Direct Capital XXXX as well as XXXX They advised they had time sensitive information regarding a civil action they needed to get to me, but i needed to verify information. I stated i do not verify information over the phone and i will only communicate with them via US Mail, he stated i can not send you out any information without verification. I said if you have a civil issue against me then you have the information to send all information via US Mail. I said please do not call me again. 
I hung up and he proceeded to call me 6 more times, each time telling him not to call. I then blocked his number then he proceeded to call with other numbers. I advised him i was reporting him for harassment. Then he started to call my work number I made the same statement. He called back again and asked for my supervisor I said not then he said please transfer me to HR i said no, and stop calling my work number. He continued to call a 3 more times. 

He also called my ex husband and left a voice mail for him. I do have the voicemail as he forwarded it to me. He called him after I repeatedly asked him to for communication to only be through them mail. This VM states they have time sensitive information regarding my personal information. 

Calling me at least 10 times in a 20 min span after asking him to stop each time is harassment. Calling my job and requesting HR and my supervisor is an attempt to intimidate me to give them information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: MN

Complaint narrative:
I have placed and lifted security freezes in the past with Equifax. When I attempted to logon today to lift my freeze, the website would not allow me to log in. I called in to resolve the issue and was told my e-mail address was incorrect despite having used it in the past. I gave my name, address, DOB and social security number to verify my identity. Then I was asked numerous questions from my credit report. The questions were vague and difficult to answer including my mortgage payment ( refinanced recently and they were unable to tell me whether I should use my old or current monthly payment ) and my monthly minimum credit card payments. My monthly payments are usually XXXX  though there may have been some activity related to the recent holidays. The representative could not tell me which month they are referring to for the answer. I was also asked about a car loan that was closed in 2013 and NO I don't know who financed it since that was 7 years ago and my husband paid the bill. Then since my answers were " incorrect '' I was told to fax copies of my social security and driver 's license in and wait 5-7 days to be contacted. This delay is unacceptable. Asking these types of vague questions that are difficult to answer is also unacceptable. Please help Equifax be more consumer friendly while continuing to safeguard everyone 's private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CHARLES SCHWAB CORPORATION, THE
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I have two companies that monitor my social security number and credit reports, and last XXXX I was notified that someone tried to open an account with Charles Schwab, so I immediately called the number on my XXXX  credit report for Charles Schwab, explaining that I had not applied for any type of account with them, and I did not live in the state where it was applied at, as well as the fact that they used a previous name of mine " XXXX '' that I haven't used for 13 or more years. I had to go through a verification process to prove this was fraudulent, and they agreed. The sent me a letter stating the didn't open the account and removed any damages if there were any. They did not remove the " hard inquiry '' from my XXXX  report, and I contacted both XXXX  and Charles Schwab at least 5 times because of this. XXXX  states that Charles Schwab has to send them a letter stating that the hard inquiry needs to be removed, regardless that they admitting that it was in direct relation to a fraudulent account. I have written letters to Charles Schwab as well, yet they will not do anything. Every person I speak to states they will get it to the " Fraud Dept '' and nothing ever comes of this. It has been almost 4 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
Banks are using sagestream credit agency to run credit reports, a lot of info is all wrong and many people are claiming low credit scores, sagestream score for me is XXXX, thats about 180 points lower. Whats strange is, I have a security freeze on ALL 3 credit agencies, and the only one to come up with a score and credit history is sagestream.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In XXXX I was purchasing a new home. My loan officer asked me to unlock my credit. I had locked my credit with XXXX  and XXXX, because they offer free online accounts to lock and unlock ones credit at will. So I unlocked XXXX  and XXXX. My loan officer came back to me and said, Experian is locked too. Experian charges {$25.00} for the ability to lock and unlock at will service. I was surprised. When I went online to research and remove the credit freeze, I noted that an email address not associated with me had set up the freeze. It was very scary. So I worked with Experian to remove the freeze temporarily and change the email address to my email address. I also asked them to mail my PIN since the person who created the account is the only one who has access to the PIN. I still have as of yet to receive the PIN. I am currently trying to replace the vehicle we have and the company needs my income in order to do so. I tried to go online and lift the freeze, but they are stating that I need to mail in the request, which I am now forced to do. I can't upload the information, even though they offer that if I wanted to just pull my credit report. I don't want to pay {$25.00} a month to control my own credit, so I have to snail mail in my documentation forcing a 5-7 ( not a confirmed timeline ) day wait for me to access my own credit. I feel this is their way of giving consumers no other option but to pay {$25.00} a month to access their reports. If it wasn't, I should either be able to upload information or answer questions about myself and access my credit. Hopefully the lender will work with me because they were able to pull my XXXX  credit, but they only use Experian for final approvals. This is an unfair practice where I am unable to have access to my own credit. I should never have to pay to have access to my credit in real time. XXXX  and XXXX  do not force me to pay to do that. I believe actions should be taken to force them to allow access to real time credit. Other services can be paid services, but it is my credit. I should control the lock and unlocking of it. IT is stressful because of someone else I have to go through so much for my own credit.

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 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have written to Transunion on the following dates XXXX, XXXX and asked that the inquires listed on my credit profile be removed due to the inaccurate reporting. Transunion has responded each time stating that they verified the information, however, they will not provide me with anything in writing that these credit inquiries are in fact valid. This is negatively affecting my credit, and I ask that these inaccurate inquires be immediately removed. 

Transunion will not provide anything in writing as to " WHO '' authorized these inquires since these are not mine.

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 2020-02-03 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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I went to my bank to pay my rent from my social security funds auto deposited {$1.00}, XXXX XXXX ** ALL FUNDS for survival WERE STOLEN BY USSA AND FUTURE SOCIAL SECURITY BENEFITS OF {$2.00}, XXXX OVETDRAFTING ME in XXXX XXXX XXXX. USAA put in an Electronic Payment ( * I have NO ACCESS ON LINE ) using my XXXX  XXXX XXXX  Data WITHOUT MY PERMISSION. They used my data I had used for previous payments when I did owe. THIS IS IDENINITY THEFT XXXX NOT OWED I NEVER AUTHORIZED THIS IDENINITY THEFT DEBT IS NOT LEGAL TO COLLECT and Social Security funds are not allowed debt collection Humans have to live USAA IS ABOVE THE LAW CROOKS Area Aging DOJ will be here tomorrow. USAA does not care if elderly XXXX die from lack. USAA WAS FINED XXXX  XX/XX/XXXX but do not care They have Not stopped stealing from consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Had a XXXX account that had paypal attached to it and money was being stolen from my XXXX account.

Company response to consumer: Closed with explanation