vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 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: NC

Complaint narrative:
I have disputed items and closed accounts on my credit report with Equifax and XXXX for many months. Not only have they not removed the closed accounts, which would hopefully raise my credit score, they put old accounts that haven't been on my history for years, back on to my credit history. If an account is closed, why won't they remove it from my credit history?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express has issued me new card changed the account number, than 2 weeks later they stopped me from using the credit card. They spoke to me on the phone telling me that I will have to fill out a form, notarized and fax it back to AMEX. I did that XX/XX/XXXX, and they told me that there is going to be an investigation with the card from there " Global Fraud Protection Serveries dept ". This person has my identity and using it to change my name on cell phones, and then closing the accounts. In XXXX of XXXX, this person has applied for Medicaid, for me which I was denied. I called many phone numbers to find out where the application came from, and that was a waste of 3 hours.In XXXX I had Social Security fraud until I went up the 8th time to SS office and they took me off computer privileges. He is also, following my charges on accounts. On line banking he was listening to my conversation and kicking my password out so couldn't us the on line banking. I've had Amex for 35 years never did I encounter these problems, before this situation started. 
I must of had in 4 years 200 cell phones, with he changing the name, and then closing the service. Not a good feeling that this person can do anything with my name and Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: AL

Complaint narrative:
I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I've contacted the FTC and my local police and I'm doing this on my own behalf. Dep ed/XXXX, dept of ed, and XXXX. Please have these removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 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: AL

Complaint narrative:
I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I've contacted the FTC and my local police and I'm doing this on my own behalf. XXXX   XXXX/XXXX, XXXX  XXXX XXXX, and XXXX. Please have these removed from my 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 explanation
Consumer complaint received 2019-05-17 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am trying to close my Paypal account, which I've had open for several. They refuse to do so. I do NOT owe them a balance. Since I do NOT owe them a balance, I have EVERY right to close my account at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Online Savings On XX/XX/19 a funds transfer in the amount of {$10000.00} was requested from Capital One to another bank account. On XX/XX/19, Capital One security department called me and left a message. I called back immediately and spoke with XXXX. She questioned if the external account was in our name. I confirmed it was and told her that I had already processed a prior transfer in the amount of {$20.00}. She said that the transaction would be cleared and processed that day. The money was not transferred as promised, my external account did not receive the money however my Capital One balance showed the money had left the account on XX/XX/19. Furthermore on XX/XX/19, my Capital One balance showed that the money had been returned to Capital One. I called XX/XX/19, and spoke with the security department at Capital One again. I questioned why I had not received my money and they could not provide a valid reason, only that they see that a reverse ACH was processed XX/XX/19. They would process it again which would delay the fund even further. I told them that I needed the money long ago and that it is unlawful to hold my funds without a valid reason. I requested to be transferred to a manager and was connected with XXXX ( Employee # XXXX ), Account Manager in the Customer National Direct Banking Department. She was not very contrite regarding the issue and also could not provide a valid explanation. I told her bottom line I would like my funds IMMEDIATELY. She said she could process a wire transfer for the balance and closed the account. I confirmed. However I was charged for the transfer and should not have been due to the mistake they had made with my initial transfer. I am reporting this because it needs to be on the record that Capital Ones banking business practices were at a minimum unethical in my experience. They withheld my funds without reason and I did not have access to my own funds due to their dishonesty. I refuse to do business with them in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND SOME INACCURATE ITEMS ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Insikt, Inc.
State: CA

Complaint narrative:
Call XXXX XXXX  multiple times and was told i will get a call and or a letter stating they will remove off my credit report once paid. Now they are telling me that it want be removed after payment it will stay on as a settlement. This is unfair and illegal and a disregard of my constitutional rights for me too be told once i pay it will be removed from my credit but when i as for it in writing i gets no response for years and now when i called they transferred me to a lady named XXXX and she said she CAN settle for less than the amount that is already charged off ( paid off on the books FDIC insurance, or reported as a loss ) which was {$330.00} settlement charge. I then asked her why will i pay off a debt that after 7 years will be took of my credit report to get a fresh date for the settlement to stay on my crrdit a fresh 7 years? I am willing to pay but it needs to be removed from my credit report. The impact has already happened you cant expect to get a payment and to add a new Derogatory remark to my credit report after you receive the fund owed. This account was open on XX/XX/XXXX its now XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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:
AFTER REVIEWING MY CREDIT REPORT, I CAME ACROSS SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 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: NC

Complaint narrative:
I have disputed items and closed accounts on my credit report with XXXX and Transunion for many months. Not only have they not removed the closed accounts, which would hopefully raise my credit score, they put old accounts that haven't been on my history for years, back on to my credit history. If an account is closed, why won't they remove it from my credit history?

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 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express charge card In last two years I got the same answer twice. 

Situation - I called them to cancel my card and told them that they should not honor any more charges post cancellation. They said I am liable for charges for perhaps upto 9 months after the card is cancelled. They told me that it is because, merchants are their customers too and when we use the card for subscription billing, they are liable to honor the merchants transaction even after cancelling the card. This is not right and does not work in favor of card holders who should be in control of transaction. 

Pl dig into this as this is a larger issue that affects sr citizens and poor people who are being squeezed by large corporation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17 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: GA

Complaint narrative:
I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I contacted the FTC and the police and I'm doing this on my own behalf. Chapter XXXX bankruptcy, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX. There are also inquiries on my report that are not mine. XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX 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 non-monetary relief
Consumer complaint received 2019-05-17 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: GA

Complaint narrative:
I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I have contacted FTC   and the police and I'm doing this on my own. Chapter XXXX  bankruptcy, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX. There are also inquiries on my report that are not mine. XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 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: TX

Complaint narrative:
I pulled my credit report on XX/XX/19, upon review I was informed that there is an account with XXXX XXXX XXXX under account # XXXX that is being reported incorrectly on all three credit bureau files. I sent XXXX XXXX XXXX a request to produce documents proving that this was in fact my account. An individual by the name of XXXX XXXX signed for the certified letter on XX/XX/19. I still have received no response from XXXX XXXX XXXX as of today. I followed up by sending a request to all three credit bureaus on XX/XX/19 to have this item removed, as it is being falsely reported in violation of Section 609 of the FCRA. They refuse to remove it, even after being informed that it is being reported inaccurately and falsely. I will be attaching copies of all of my correspondence with both XXXX XXXX XXXX and the credit bureaus.

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 2019-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I filed for Chapter XXXX Bankruptcy in XXXX. My lawyer filed all qualifying debts with my paperwork, notification was given for any debt collectors who wanted their piece with a deadline, all rules within Washington state were followed. I meticulously followed my court ordered plan and all debts were discharged at the end of my plan. One credit card company had kept popping up that had been denied their payment by the court trying to go around the bankruptcy and come directly for me with their collections. My lawyer kept shutting them down. Now here we are in XXXX of XXXX, chapter XXXX has been discharged since XXXX of XXXX and I get served with paperwork from a company called Midland Funding LLC. They filed to garnish my wages and got a judgement against me with a judges signature from TWO MONTHS ago and Im just now being notified on an OLD DEBT THAT HAD BEEN DISCHARGED.  The original debt is listed at XXXX. After filing fees, service fees, court costs, and accruing interest the total amount owed is {$1000.00}. This is completely illegal. It is that companys ( Midland Funding ) job before they purchase a debt to research if its even a legally owed debt before they pursue it in court. Thats their mistake and their loss on legal fees. Not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 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: GA

Complaint narrative:
I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I have contacted FTC and the police and I'm doing this on my own. Chapter XXXX bankruptcy, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. There are also inquiries on my report that are not mine. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXXXXXX  XXXX XXXX XXXX/XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  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 2019-05-17 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Santander Consumer USA is the name of the financial institution. I bought a car from XXXX XXXX in XXXX, TN where I reside. It was a 2012 XXXX XXXX. They sold me the car for {$14000.00}. I paid {$2000.00} dollars down on the vehicle. Santander Consumer USA loaned me {$12000.00} at a 24 % interest rate. Theyre saying I still owe them almost {$7000.00}. Ive paid them {$300.00} for 46 months. If I was to pay them any moneys after what I believe to be the last two payments of {$300.00} it would be outside the fair market value of the car and further violative of both federal and state laws governing lending institutions. There principle place of business is located in XXXX XXXX, Texas XXXX, XXXX. XXXX XXXX. ( XXXX ) XXXX. That their lending having me to pay another {$7000.00} should be treated as usury interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called in to open my account back up with capitol one and pay the card off so I could get back to building my credit. 
I had fallen on a tough time so there was a point in time where I couldn't really make payments. 
When I called in to make the payment, the agent on the phone told me if I did make a payment that day, and paid off most of the balance they would reopen my card. 
It's been a week, and when I called today another representative has told me I would not be able to reopen the acct and I would have to open another credit line. 
I feel the original collector deceived me into a payment at this point and I am out XXXX $ on a XXXX $ credit card!! when I could of just been givin the option to pay it off over time rather than be lied to collect a payment that day. 
Now I have called my bank to file a dispute on the charge on my account since I was lied to into collecting the debt. He was trying really hard to make me make a payment on the phone, however I did not feel right with how persistent he was so I went ahead and made it online. None the less I was still lied to into making a payment, and now I don't know how I'm going to pay my bills right now because I trusted the fact they would reopen my card. 

All this was done on the phone, so the recording would be with the company. It would be the phone call before the last one I made today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
HAVE BLOCKED THERE NUMBER. DO NOT HAVE ANY OUTSTANDING BILLS. THEY HAVE BEEN CALLING FOR OVER THREE WEEKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I requested the PMI insurance on my loan to be removed. I followed my lender Quicken loans process, which involved filing a request with a personal check. I was told they would assign an appraiser who would contact me and set up a time to appraise the property. 

I was contacted by the first appraiser and we spoke on the phone. The property is rented and managed by a local property management company. I gave him all the information, it is required by law, that the renter be notified before access to the property is available.The dates i spoke to the first appraiser were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019. The appraiser, the management company, and myself were all working together, when the company that employed the appraiser cancelled the appraisal! I was notified by Quicken loans that this was done because the appraiser was unable to make contact with me, which was a lie. 

A second appraiser was assigned who i spoke with on XX/XX/2019. We had a conversation and i texted her the information on the same property management company with every detail to facilitate the appraisal. The rep for the management company called her on Monday XX/XX/2019, sent her an email, and i texted her. On the same day i got another email from Quicken loans stating that the appraiser was unable to contact me, and unless the appraiser heard from me in a week, they would ( again ) cancel the appraisal to remove my PMI insurance. I spoke with Quicken loans, and the appraiser. Both appraisers said they had no idea why i was being told they had no contact from me. On XX/XX/XXXX, two days after the email saying i had a week to make contact with the appraiser, which i had done, i was notified the lender had again canceled the appraisal. This was done after repeated conversations and a firm upcoming time to inspect the property in less than a week! 

Quicken loans said they had no idea, and would again assign me a appraiser, and would not provide me the name of their third party contact who apparently had ordered the appraisals to be canceled before they could be done.

Company response to consumer: Closed with explanation