vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-18 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 been contacting Equifax for the last three months to remove four collections that are not mine They continue to cause me problems XXXX and XXXX have fixed and also Equifax had put a fraud alert without my consent I am also unable to file disputes or pull my credit online because the questions they ask to verify me is inaccurate and not real They dont care and they continue to sabotage my credit and reputation Here is the following collections that are not valid along with not mine and fraud XXXX XXXX {$45.00} and {$35.00} I have told them this was taken care of back in XXXX they continue to report this as real along with an unauthorized charges from XXXX XXXX XXXX for {$620.00} and I was not in or living in virginia and I had submitted proof along with the fact that if they were actually doing a real investigation would see this by my addresses on my credit history as proof too. Now I have a new charge from XXXX XXXX XXXX for {$690.00} as someone used my identity and the police told me to notify the credit bureau and Equifax does not fix this along with a collection to XXXX XXXX XXXX for an inaccurate collection as I have had Medicare and Medicaid insurance for 9 years I was not even living in virginia or there the time of change along with XXXX XXXX I had lived at that address previously 9 years ago and do not know who is the company Also the XXXX XXXX   charges were in XXXX and a collection company illegally opened up credit collections on me when these were paid and also by law should not be reporting the collection company decided to add in a new name Equifax gives me so much problems and makes my life very complicated and do not fix the issues Equifax had also told me last year I was included in their data breach and they have not dont their job to make things accurate and fair for me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
A fraudulent credit card application was made using all my personal information and on XX/XX/2017 {$20000.00} was charged on a Capital One credit card. I did Not make application for this Capital One credit card and I did Not sign for this application in person, on paper and mailed, or online. I alerted Capital One of the fraudulent application and charge. I have a fraud alert in all 3 credit bureau 's and I attempted to file a fraud credit card report with the Sheriff division however, their opinion is it's a civil problem and it's between you and the credit card company. Capital One closed the account however they later changed the credit card numbers and continued billing me after they had closed the original account under a new set of credit card numbers. In order to maintain my excellent credit score and good credit reports I began to pay minimum payments until the fraud issue could be completed and the account would be closed permanently. Unfortunately, Capital One did not report the credit card fraud to the 3 credit bureau 's and only reported the amount of {$20000.00} of which ruined my near perfect credit score. I have requested several times a copy of the signed credit card application showing my signature and how it was signed. As of today 's date Capital One has not provided any of the documents I have requested of which is under the consumer 's regulatory mandated rights. If I do not receive resolution to this fraudulent credit card claim I will be forced to seek legal council to rectify this issue. I will also forward this information to other governmental agencies in regards to how Capital One has handled this fraud claim.

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I started the process to dispute unverified information on my credit report as reported by the three major Credit Reporting Agencies ( CRA ) or bureaus, XXXX, Experian and XXXX. As of XX/XX/2018 and through 4 rounds of letters sent by certified return receipt, the items I disputed still remain on my credit file as unverified. Experian was the one CRA that would not respond to my 4th letter, stating they had previously processed my dispute and information was verified. I would like to submit this complaint on them for your investigation.

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 2018-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Huntington bank is refusing to close any account unless people physically show up at one of there locations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: MN

Complaint narrative:
My XXXX XXXX XXXX XXXX account was sent to collections to Portfolio Recovery Associates, and I successfully resolved the account. I was sent a letter and told that my account would be removed from the credit bureaus. My account still shows in the negative section of my XXXX  account as a XXXX balance charge off when this account should not be on my XXXX  credit report at all.

I've contacted Portfolio Recovery Associates numerous times this summer about this issue. I was told by XXXX XXXX that this account should not be on my credit report. I talked to XXXX XXXX previously and I was told on XX/XX/XXXX that this account was in the hands of Portfolio Recovery Associates. I called Portfolio Recovery Associates on XX/XX/XXXXand I was told that XXXX XXXX XXXX now has control of this account again.

Whoever has this account? Can my deal be honored with Portfolio Recovery Associates so this can stop being shown as negative on my XXXX credit bureau account, and be removed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
XXXX XXXX XXXX charges extremely high interest rates, and when you pay, they dont even update your payments on your credit report. The customer service is very rude and they do not care about what we as customers are going through. Everything is about the money, and they do not keep us updated about our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: IL

Complaint narrative:
Hi! It's Saturday, and I'm trying to remove my credit freeze through XXXX XXXX online system and keep getting linked to different Equifax websites, none of which actually enable me remove my freeze. I find it very frustrating that an educated consumer can not easily navigate the website to remove a freeze. I was able to easily do so with XXXX  and XXXX, but have spent about twenty minutes through Equifax 's website to remove it and am unable to do so. My only options are to wait until XXXX XXXX on Monday morning to try and talk to a customer representative, which I find unacceptable as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2018, I applied for credit at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA., XXXX through Equifax to finance tires and XXXX was the one that ran the credit report ( XXXX ) XXXX. What I understood her to say was that I didn't have enough credit but found out on XX/XX/2018,  that Equifax reported I had no credit score whatsoever. I asked my mother to co-sign and she did in XXXX, CA., at another location which everything was faxed to the XXXX location. My mother 's score ended up being reduced because it was a hard inquiry which never would have happened if Equifax had reported my credit score. My credit score is high enough to get the credit on my own. Your company has inconvenienced me and my mother when none of this should never have happened. XXXX at XXXX had all the current information with correct social security number, PO Box number , street address, phone number, and income etc. My credit score shows minus the hard inquiry which went from XXXX to XXXX on XXXX XXXX. My mother will be making her own dispute to the hard inquiry when it wasn't necessary for her to be a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2018, I started the process to dispute unverified information on my credit report as reported by the three major Credit Reporting Agencies ( CRA ) or bureaus, XXXX, XXXX   and TransUnion. As of XX/XX/2018 and through 4 rounds of letters sent by certified return receipt, the items I disputed still remain on my credit file as unverified. XXXX was the one CRA that would not respond to my 4th letter, stating they had previously processed my dispute and information was verified. I would like to submit this complaint on them for your investigation.

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 2018-08-18 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: TX

Complaint narrative:
On XX/XX/2018, I started the process to dispute unverified information on my credit report as reported by the three major Credit Reporting Agencies ( CRA ) or bureaus, Equifax, XXXX   and XXXX. As of XX/XX/2018 and through 4 rounds of letters sent by certified return receipt, the items I disputed still remain on my credit file as unverified. XXXX  was the one CRA that would not respond to my 4th letter, stating they had previously processed my dispute and information was verified. I would like to submit this complaint on them for your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: NJ

Complaint narrative:
On XX/XX/XXXX I applied for a parent loan for my child going into college. I was denied this loan and advised that a charged off account was added to my equifax credit report. I called the credit bureau and had to wait for a copy of this report to be mailed to me. I then learned that a relative had a charged off with a credit card company between XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX this relative 's debt appeared on my credit file and showed me being an authorized user on the account. I had no knowledge of this account or my alleged status of the being an authorized user. I contacted Equifax and submitted a dispute of the information. I also have been calling this financial institution and advising them that I never gave my consent to be added to this account and have requested that I be removed and provided with any proof of my relationship to this account. As of today, this company has been unable to provide any of this documentation and has continued to say that they need to check their records. I even had the person who's account it was provide me with a letter saying that they have no knowledge of me being associated with their account and wishing to have me removed from this account as an authorized user. Despite this information, Equifax completed " its investigation '' with no supporting documentation from this company and will not have me as an authorized user removed from my credit profile. I am unable to get any resolution with this bank or equifax. I never had this card, used this card, made any purchases, or participated in any of it's debt accumulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AMEX has refused to chargeback {$4000.00} despite the fact that I was victimized by a con scheme at a time I was grieving the loss of my husband. The circumstances are as follows. My husband of 58 years, XXXX XXXX XXXX XXXX died on XX/XX/2018. His Obituary was published on XX/XX/2018. On the same day, I received a telephone call from an imposter posing as " Officer XXXX XXXX '' who stated that my grandson, XXXX XXXX has just been XXXX  for XXXX and XXXX XXXX XXXX. He put another imposter on the telephone acting as my grandson who said : " I know this is a bad time ( crying ). Please don't tell my father, I'll tell him myself. I'll pay you back. I'm innocent. '' The " detective '' said that to clear my grandson, I needed to purchase two {$2000.00} XXXX XXXX gift cards. Flushed with agony, I immediately purchased two {$2000.00} gift cards using my AMEX credit card. The " detective '' instructed me to give him the gift card numbers and destroy the card. I gave him the numbers but did not destroy the cards. Hours later I began to realize that I had been victimized at a time when I was most vulnerable. I promptly reported the episode to the Police. A copy of the Report is annexed together with the Obituary and the AMEX denial

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX, I am going to change my tone to a professional manner in hopes that you will personally correspond or respond in a proper manner.I have definitely not receive the level of customer service I had expected from BANK OF AMERICA, because all of my accounts do not total over a XXXX dollars! What is astounding to me is the fact that this is how you treat a PLATINUM PLUS level customer that falls into the 97 % of the accounts that make up the BULK in banks, such as Bank of Americana. A couple of weeks ago, I had two accounts compromised which I had emailed you several times, and never got a respond from you. Two days ago I had another account compromised, and I still did not hear from you to show that you even cared. Im letting you know that on Monday XX/XX/XXXX, I will be withdrawing my funds out of Bank of America.

Unsatisfied customer, 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 monetary relief
Consumer complaint received 2018-08-18 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: FL

Complaint narrative:
I paid a loan off with XXXX XXXX XXXX over four months ago. It still shows up as an outstanding balance on trans unions credit reporting sight. I called XXXX several times and finally they sent me a letter saying that the loan was paid off ; a visit to their web-sight XXXX XXXX that letter. I filed several complaints with transunion two of which I believe just disappeared and when i called to file one I didn't even get a confirmation number leading me to believe that I was lied to and that infact my complaint was not being investigated ; one particular that I filed in reference to this issue resulted in a letter being sent stating that  they found nothing wrong as the account showed to be in good standing. It is currently shown that there is a ten thousand plus dollar balance per trans union with regards to the XXXX account which is incorrect as there is a XXXX balance and the account has long been satisfied and closed. If you could please help me get this resolved I would appreciate it it is preventing me from buying a home after mine has been sold due to inadequate credit criteria as a result of the failure to show loan satisfaction on trans unions sight.

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 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On my credit report it shows I was an authorized user on an account which is XXXX XXXX beginning XX/XX/XXXX. Between XX/XX/XXXX, and XX/XX/XXXX, payments for XXXX, XXXX, and XXXX were dropped off for XXXX. XXXX XXXX says they had no reason to go back to XXXX and XXXX and drop off payments.You are violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Dear Sir, I have closed my Individual Chase Credit Card on XX/XX/2018 and also communicated to chase that there should not be any more transactions or any kind of activity on my closed individual chase credit card. I am only responsible to pay the monthly payment for remaining balance. Chase also responded to CFPB that Individual Chase Credit Card has been closed on XX/XX/2018. Surprisingly, I am keeping receiving messages from chase that making changes to closed credit card benefits, which does not make any sense and also unlawful/fraud allowing any kind of benefits or changes to closed credit card. I have only used this card for one balance transfer and I never ever used this card for any other benefits ( any kind of insurance or coverage ). I will be filing official complaint at concerned courts and law enforcement if Chase allows any kind of changes or manipulation to my closed credit card. Chase credit card has been closed dated XX/XX/2018 and there should not be any more further transactions or any kind of activity on this card. If someone used any of the benefits using this individual credit card, it comes under misrepresentation and unlawful activity. I am the only one resident and lease holder of my address and there is noone else associated to my address or social. Could CFPB direct Chase Credit card to issue me a letter that my card has been closed effective from XX/XX/2018 and there are no transactions or no fraud or no unlawful activity or no misrepresentation by anybody or noone used any kind of benefits using my individual credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: OH

Complaint narrative:
I recently reviewed my credit report and discovered inaccurate credit card accounts reported from TransUnion : XXXX XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXX in the amount o {$480.00}

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 2018-08-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2018, my son applied for credit at XXXX XXXX # XXXX, XXXX XXXX XXXX   XXXX, XXXX, CA., XXXX which was done by XXXX at ( XXXX ) XXXX in which you reported my son had no credit score whatsoever with Equifax . Due to the fact that I didn't want to have him have a tire blow out while driving, he asked me to co-sign. I know for a fact that he has a better credit score than I do. So the problem Equifax caused was to put a hard inquiry on my credit report by co-signing when it wasn't necessary at all which you took 10 points off my credit score. By that time, I had a decrease in one of my credit cards for {$410.00}. You provided the wrong information to XXXX. When I co-signed, I went to XXXX in XXXX, CA. on XX/XX/18. My son has made a complaint with the CFPB also. He copied information off XXXX XXXX and provided it to the company to prove he actually had a credit score of XXXX minus 10 which brought it down to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been a victim of identify theft.

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 2018-08-18 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: NC

Complaint narrative:
I have been a victim of identify theft.

Company response to consumer: Closed with explanation