vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 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: HI

Complaint narrative:
Hello, I've had my Capital One Venture account since XXXX. It was no longer my primary card but I recently decided to begin re-using the account to keep it active. I called Capital One on XX/XX/XXXX to convert from a Venture card to a Quicksilver card and have those cards mailed to us so we could begin using the accounts again. At the time of my call, my account was open and in good standing with zero issues. I explained that we'd be using the cards more often and was acknowledged by the associate, who was more than happy to have the new cards shipped our way. 

Upon receiving the cards today, XX/XX/XXXX, I called Capital One to activate the cards and was informed that on XX/XX/XXXX my account was closed for inactivity and there was nothing they could do to re-open the account. 

Please note the account was closed 2 days after they mailed new cards for a reason I called to prevent, and before I had a chance to receive the cards. I called them immediately upon receiving the new cards in the mail. 

I am currently serving on XXXX XXXX with the XXXX and have served since XX/XX/XXXX. I read about another XXXX XXXX XXXX having his account re-opened with Capital One once they found out he served. Do I have any extra rights or ability to have my account re-considered since I have all the intent of using the account and do not want my average age of credit to take a hit with an unnecessary closure? 

I appreciate any and all help and thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: DISCOVER BANK
State: GA

Complaint narrative:
I have a loan with DISCOVER BANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVER BANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: VA

Complaint narrative:
In the process of filing bankruptcy and was instructed to show activity on my discover account until filed. I set up an auto payment of {$5.00}. I just found out that for the last 2 months, they have attempted to take out XXXX and then XXXX from my bank. I called and their answer was that there is a disclosure that states that the full minimum will be taken if the " other '' amount I select is less than th mimimum. I canceled and set up a new one to be sure and the disclosure is in small print and confusing verbiage. I believe this is an unfair and deceptive practice that needs to be addressed. They said they don't do this for 1 time payments so why would they do it for an auto payment? This practice needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: TN

Complaint narrative:
How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous..Fix the account XXXX - XXXX XXXX.. ..please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for

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 2019-06-18 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: TN

Complaint narrative:
How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous..Fix the account XXXX  - CARD SERVICE.. ..please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for

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 2019-06-18 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: TN

Complaint narrative:
Please take note that this student loan from XXXX XXXX   XXXX was never paid late.. I have never been late on this account. The date of last activity is incorrect.. Credit Bureaus were not able to fix it, Please step up and fix the account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
i have discover cheking account and i have money in it almost {$3600.00} i couldnt use my debit card over seasethey dont honor discover in that country i came back called the discover to close my account its been over a month now every time deferent story i demand my account to be close and my money to be send to me they keep say its under business review i dont understand that i want my account to be close that is it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 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: PNC Bank N.A.
State: GA

Complaint narrative:
I have a loan with PNCBANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and PNCBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: TN

Complaint narrative:
Please take note that this student loan from XXXX  XXXX  XXXX  was never paid late.. I have never been late on this account. The date of last activity is incorrect.. Credit Bureaus were not able to fix it, Please step up and fix the account from my credit report

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 2019-06-18 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: TN

Complaint narrative:
Please take note that this student loan from XXXX XXXX XXXX was never paid late.. I have never been late on this account. The date of last activity is incorrect.. Credit Bureaus were not able to fix it, Please step up and fix the account from my credit report

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 2019-06-18 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: CA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX my social security number is XXXX date of birth XXXX XXXX XXXX. .my complaint is that Experian fraud dept supposed to block the three negitive accounts from XXXX  XXXX that are fraud. I submitted police report. They told me obce they have police report. They can block those 3 negative accounts from XXXX  XXXX from not showing on my credit report. I call them yesterday and they told me that they have police report on file. My complaint is that they didn't block the three negitive accounts yet. Can you please have Experian block these fraudulent items thank you

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 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or about XX/XX/2019, I sent Capital One a letter requesting to lower my ( APRs ) and interest rate for a couple of months until I get back on track with my credit cards payments for two credit cards. I explain to them that I was having a hardship and spoke to several representatives in the month of XX/XX/2019, XX/XX/2019, was told by XXXX a letter went out, spoke to XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXX   XXXX XXXX, and she told me that the late fees will be removed for 90 days on both accounts the XXXX XXXX credit card and the Platinum credit card. I explain that I needed to pay {$25.00} a month until XX/XX/2019, due to illness and the government shut down which was told to them a few months ago because I relied on my finance income as well and he works for the government. Until XX/XX/2019 I have never paid Capital One late for years and XXXX told me I would be put in a program from the Speciality department at Capital One on XX/XX/2019, but I have never received anything in writing stating what is told to me over the phone, and every time I called back I have to start over again with another representative with the process. General letters are sent out without with Capital One un-willing to lower the interest rate of ( APR, s ) on both cards a letter was sent from the on XX/XX/19 and XX/XX/19 and everything promise over the phone was not put in writing from the Specialty department and no person to contact on the letter sent out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: CA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX Account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : 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 2019-06-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX of 2014 Bank of America put a 30 day late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because they closed the account, then reopened the account when I disputed the issue with a branch manager in XXXX XXXX NY. However, they never removed the late payment that was associated with the same issue. It just popped up on two bureaus and has severely lowered my credit score.

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 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX of 2015 Bank of America put a 30 day late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because they closed the account, then reopened the account when I disputed the issue with a branch manager in XXXX XXXX NY. However, they never removed the late payment that was associated with the same issue. It just popped up on two bureaus and has severely lowered my credit score.

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 2019-06-18 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( Original Creditor : 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 2019-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Hurricane Harvey flooded the car out in XX/XX/XXXX, the insurance company considered car as " Total Loss '' in XXXX. The car was paid off with a balance owed of 1month, for deferred payment, and another part of {$160.00}. ( for putting the wrong part on car from previous accident ). 

After updating my history with KIA MOTORS, the account was still " opened '' on my report in " good standing '' as of XX/XX/XXXX. After requesting an update, they put my account as " Charge off '' and not paid since XXXX for over {$1800.00}. The insurance company sent a payout to KIA MOTORS on XX/XX/XXXX. 
This was a result of a NATIONAL DISASTER and i feel as though KIA MOTORS is taking advantage of a hardship that we all felt in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent a certified letter with 3 separate disputes however 1 of the disputes does not have an open dispute for these items. The dispute in question is for inquiries on my experian credit report. I sent a dispute with a number of inquiries in question and still have not seen a case open for the items in question. 

XXXX XXXX Last 4 of SSN XXXX DOB XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX- XXXX ) XXXX**** , XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX. XXXX-XXXX-XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**,  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX  ( Original Creditor : 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