vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I C Systems inc. whos creditor is XXXX says I owed them XXXX. And that the account was opened two months ago! I havent had XXXX so how the heck can I owe them. I want this removed from my credit NOW!

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 2018-08-02 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: NC

Complaint narrative:
I have contacted Experian and XXXX several times about an on going issue, Experian and XXXX XXXX continues to update and report a 125 % utilization on a 2 year old XXXX  XXXX charged-off in the amount of {$2000.00} that is alleged to belongs to me. 


I have spoke with Experian about this issue over the phone, they refuse to investigate. I noticed XXXX XXXX is an original creditor who sold that account to a collection agency, in 2016, but continues to update a balance of {$2000.00} and a 125 % utilization to prevent me from applying for loans. 

Experian is in clear violation of the Federal Credit Reporting act and continues to report information they know that is inaccurate.

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 2018-08-02 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: NJ

Complaint narrative:
XX/XX/2018 : Certified letter received by Experian, from myself, requesting physical verification of the account listed on my credit report from collector : XXXX XXXX XXXX My request was clear in that I was seeking Verifiable Proof of this debt, as I am not sure it is mine. 
XX/XX/2018 : Dispute results received from Experian stating verified as accurate XX/XX/2018:2nd Certified letter request for physical verification of debt received by Experian. Requested verification via my rights under section 609 & 611 of FCRA XX/XX/2018 : Notification made from Experian that no further investigation will be performed, despite never proving the debt adversely reporting on my credit profile

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 2018-08-02 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Hello, This regards my credit account with Paypal ending in XXXX ( I see there's a field for putting in the entire number on a later page, but I am not comfortable with that ). 

Some time earlier this, my account was removed from online access so that I have not been able to make a payment online. Even if I open up the details of a past transaction by clicking on '' View all PayPal Credit activity '' ( I'm talking about the regular Paypal site, not Paypal Credit because I can not access that portion of the site anywhere ), I get " Oops. That page doesn't exist. '' I have offered to send them a screen shot of this, along with one of the home page to show that " Paypal Credit '' is no longer there as an option the way it used to be, but they refused to figure out a way for me to do that. 

In corresponding with Paypal customer support, the replies I get are anything from them simply not believing me and instructing me again and again as to how to access my account online to, " We are not able to locate an account with this email address. '' ( the same email address I've been using for all my banking purposes for the last ten years -  XXXX ). I've been telling them - only half in jest - that if you can't verify an account for me, then I guess I don't owe you any money. 

They gave me a phone number to make payments online, which I have succeeded in doing a couple of times, but sometimes when I call, making a payment isn't one of the menu options, as was the case when I just went to make one now ( the rep I just spoke with told me they don't take payments by phone - he really knew what he was talking about ). 

Whether I can make a payment by phone or not isn't the point anyway - I want to be able to access my account online and make payments that way as I had been doing for ages - yes, with the same email address they now tell me can't be verified, which was never changed in my profile at any point in time - until this problem arose. 



Thank you, 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 2018-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
My account was overdrawn with BBVA Compass Bank due to a returned check but I am disputing unauthorized charges with another bank to get the money back to bring the account positive. I have been making deposits in the meantime to get the account back to a positive status but they're charging me {$25.00} each week for " extended overdraft fees ''. I now have an additional {$50.00} on top of a returned item fee. It is exorbitant and predatory. Anything you can do to assist me is much appreciated. I have no problem paying the original returned item back but I should not be charged {$25.00} every 7 days for something that I have been making efforts to pay back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I told Capital One to stop calling this number XXXX last XX/XX/XXXX. I again reminded them on XX/XX/XXXX and have still gotten calls since. After that, I got calls on the following dates : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX I told them multiple times I could be reached at my cell phone ONLY. And that this was a business number and to NOT contact me at that number because it could get me fired. Yet they continued to multiple times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Knew this was a scam and they were spoofing ID on caller ID. I asked caller do not call and informed that this request does not apply to debt collectors. 
The scam is to inform its callers that they are Wells Fargo and that their mortgage payment is late and request an over the phone payment transaction. I did not do it but Im sure thousands of others called by them do! I get called everyday and want these people in prison. Please help!

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 2018-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Transaction was made on XX/XX/2018 using XXXX pay as a service provided by my bank, Citibank, for goods that were later not received. {$250.00} was sent to an individual using this service to an email account. An request for transfer cancellation was filed on XX/XX/2018 with my bank. They stated that they would contact the bank to which the funds were sent and put a hold or refund on this. Today I received a letter from them saying to contact the recipient to resolve the matter. That is not the service theyd claimed they would provide. This is extremely frustrating as there is no notice that this service does not provide any form of fraud protection. They have stated at this point there is nothing they can do. Ive asked for the details of their investigation, but again they said there is nothing to investigate as I had transferred funds in accordance with your instructions. I am shocked they offer this service to their clients without complete clarity.

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 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In Mid XX/XX/2018, I completed an application for the Capital One Venture Card with the following terms : 0 % interest for 12 months for balance transfers and no balance transfer fee. There was also a promotional rate for new purchases. I was approved for the card at the time of the application with a {$10000.00} credit limit. 
I went on line to complete a balance transfer and received a message that I needed to wait so many days to complete a balance transfer. I waited the specified days and returned to my online account. The balance transfer rate was 20 %. I contacted Capital One on several occasions towards the end of XX/XX/2018. On XX/XX/2018, I was told by the employee that I spoke with that I indeed did have the 0 % for balance transfer and new purchases. He told me that I could complete the balance transfer on line even though the other rate displayed and that the promotional rate would be given. 
In early XX/XX/XXXX I noticed that I was being charged an interest rate of 23.74 %. I have made multiple attempts to contact Capital One to have this issue resolved. 
I asked for the call at the end of XX/XX/XXXX to be pulled. Staff at Capital One acknowledged that one of their staff members told me that I indeed did have a 0 % promotional rate on balance transfers, however went on to state that the information he told me was incorrect and that they were going to use this a teaching opportunity for the employee. I was also told that since I could see the rate on line essentially that I am out of luck. 
I have refused to accept this as an answer. Two weeks ago on XX/XX/2018 I called and my call was transferred to XXXX in the executive office in XXXX XXXX, Nevada. She indicated that she would be handling my case, assigned case number XXXX and stated that she would call in 1 week with a status update. I did not hear back in the specified time and called on XXXX-I initially spoke with a XXXX on the east coast who diligently tried to assist me and transferred me to a supervisor who then transferred me to XXXX voice mail. I left a message and to date have not received a response back from her. I called again today XX/XX/2018 and spoke with a XXXX who told me that my case has not even been assigned. He kept saying that they are back logged and when one case is closed the next case is assigned. 
I am requesting that the call from XX/XX/2018 be pulled and the promotional rate be honored by Capital One. I have been charged in excess of {$200.00} in interest in 2 very short months with no action from Capital One. 
I appreciate any assistance in this matter. 
On another note Capital One has my SSN incorrectly listed. This was conveyed to XXXX on XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-02 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: OK

Complaint narrative:
My name is XXXX XXXX XXXX I am a XXXX y/o XXXX individual. In XX/XX/XXXX My passport was stolen and the US embassy assisted me in getting back across the border back into the USA. As I stated I am XXXX and was told that they would take 10 % or {$50.00} dollars out of my SSI check each month to repay the debt. As the debt and its origins are more than 7 years ago I requested it be removed from my credit report filing both disputes with equifax and also XXXX to get to equifax. They have renewed it several times appearing as a new debt. the original reporting was in XX/XX/XXXX to XXXX equifax and XXXX  of which I requested removal it was not removed. In XX/XX/XXXX again I requested removal and they either the us Treasury or the 3 bureaus keep changing the origin date and or the amount + the date and today it again was placed as a new debt this is today on equifax : " New Bank/Credit Card XXXX XXXX XXXX XXXX XXXX reported a new account on your Equifax Credit Report. 
New Account Alerts notify you when a new account is added to your credit report. 

Alert Details Alert Date XX/XX/XXXX Source Equifax Company XXXX XXXX XXXX XXXX XXXX   Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX Balance {$840.00} '' The original balance was {$420.00} It has been on report for more than 7 years. 
I only have proof as far back as XX/XX/XXXX but if you request proof of my signature you will find the dates to be XX/XX/XXXX This is the only derogatory remark on my credit and I have excellent credit otherwise. You can see by the credit report attachments that the original open date keeps changing as well as the amount of the debt at first XX/XX/XXXX the XX/XX/XXXX and now XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express XXXX XXXX I called American Express and explain I had fraud on my account and because I was not paying the account because of the fraud I was waiting for the police report. They close my 2 account and took me to court and list my account in the credit bureaus as a negatively charge off. This charge is all fraudulent, but they would not answer or return any of my calls. I was with this company since XX/XX/2001 never late had no problems always paid on time. I need these charges remove of account and restored my account to full balance. The contract signed states Im not to be held reliable for fraudulent charges. Please provided a clear explanation and evidence of your decision. This account became fraudulent when my spouse that worked for XXXX XXXX past the same day my father past. I could not cope by myself in XXXX, so I move to XXXX XXXX to be close to family for support. My house in XXXX  was broken into and the police contracted me to let me know of the situation a lot was stolen including my identity among things. DMV have informed me that there are 2 other individuals in XXXX XXXX  has a copy of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information all the can do is informed me of the issue. They however stated that the company can request a copy of the information and they will send it to them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: IL

Complaint narrative:
Dear Sir/Madam, A month ago XXXX XXXX report a 30 days late payment to Transunion. I have contact the agency and I submitted a request to investigate and today XX/XX/2018 I received a letter stated that credit card bank reporting is correct. 
I have open the account with XXXX in XX/XX/XXXX and I have not get any statement from the bank and all the sudden the bank start reporting late payment. I have contact the bank numerus times and complained that I have never get a payment statement and they told me that was a problem and they did fix it and I should have no problem any more and for the next 3 months I have to make the payment without receiving any statements anyway the late payment still on my credit and this is not a fair treatment from a bank who have an outdate billing system. 
Thanks for your attention of getting the problem solved and removing the late payment from my credit report. 
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 2018-08-03 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: POPULAR BANK
State: FL

Complaint narrative:
XXXX XXXX I dont know nothing about this account its fraudulent please remove. I explained to the credit bureau that DMV have informed me that there are 2 other individuals in XXXX Florida has a copy of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information all the can do is informed me of the issue. They however stated that the bureau can request a copy of the information and they will send it to them directly. However, the bureau refuse to request a copy, and continue to retain the information on my report. Please call DMV the account does not belong to me.

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 2018-08-03 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: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
XX/XX/2018 : Certified letter received by XXXX, from myself, requesting physical verification of the account listed on my credit report from collector : QUALITY ASSET RECOVERY My request was clear in that I was seeking Verifiable Proof of this debt, as I am not sure it is mine. 
XX/XX/2018 : Dispute results received from XXXX stating verified as accurate XX/XX/2018:2nd Certified letter request for physical verification of debt received by Experian. Requested verification via my rights under section 609 & 611 of FCRA XX/XX/2018 : Notification made from XXXX that no further investigation will be performed, despite never proving the debt adversely reporting on my credit profile

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 2018-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
I was Contacted By XXXX XXXX XX/XX/2018 Then Again XX/XX/2018. Which I have no contract with nor have received service from, reported a collection account against my SSN. I did ask for validation for this debt and account and my signature that I signed anything and was told that they didnt have anything to validate. However, the business does not have a contract with me. They have not provide adequate proof I am not obligated to pay for alleged debt. I Have Tried disputing multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XX/XX/2018 I called XXXX XXXX ( issuer of XXXX XXXX XXXX account ) to inquire why my interest free promotional balance was {$420.00} and the total balance due was {$700.00}. I was told that the additional was late fees and interest charged on the late fees. I was told by the agent on XX/XX/XXXX that they were including the late fee in my payment due but have not been applying them to the late fee balance. Instead they have been applying them as additional principal payments. He also said that even though the additional amount added to my monthly payment was collected for late fees that I would have to call and tell them to apply it to the late fee otherwise they would go unpaid. This has resulted in me owing an additional {$270.00} dollars and counting in late fees and interest because the interest is continuing to be added to the late fee balance. Over the years I have called Synchrony many times and no one has mentioned this even when I have called specifically about my late payments. This is also not mentioned in the billing statements or on my online account. I feel that it is deceiving to collect for late charges but apply them for something other than collected 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 monetary relief