vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 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: DISCOVER BANK
State: LA

Complaint narrative:
Discover card opened in my name. Discover called me on XX/XX/2019 concerning 'suspicious ' charges. I told them I did not open account, did not want card and close it. They said additional card issued in my daughters name. I told them I did not approve and close it. I would check with my daughter. I called numerous times over the next few months. Card was closed and new one reissued. Discover allowed over {$9000.00} to be charged after they were told multiple times I did not open this account, did not want it and close it. I have filed paperwork and called to have it closed. Discover is now calling me up to 10 times daily and harassing me. They say I knew about the card so I am responsible. The same conversation I found out about the account they were told to close it. When balance was about {$4500.00} I finally got it closed and they opened a new account. I have not made one charge on this Discover card. I never received a card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Self Financial Inc.
State: CA

Complaint narrative:
In XX/XX/2020 I opened a personal loan through self inc. I scheduled auto payments to be taken out of my acct every month so I would not miss a payment. I was then asked in XX/XX/2020 if I wanted to open a credit card with self with a limit of {$100.00}. I Signed up. Since the loan and credit card is linked I assumed that the credit card was also on auto payment. Fast forward to XX/XX/XXXX and I get an email stating that Im 60 days late. I called the customer service line and they stated its only on auto payment if the loan and credit card have the same due date. They said they emailed me on my payment due date. I did not receive notification as I checked my emails dating back to XXXX. I have since then set up auto pay and paid the credit card down to {$23.00}. When you go onto the self inc website it states Im on auto payment, I checked multiple times. It does not say loan is on auto payment not the credit card. So to conclude I was told the credit card was on auto payment which it wasnt, I was never notified that it was past due and when on the website it does not say it is NOT on auto payment. The consumer sees auto payment enables we assume they both are. Now I have a 60 day late so my credit score dropped from XXXX - XXXX. All for an activation fee that I thought was on auto payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received the response from Capital One and it seems I was not clear enough, and that has caused confusion. That is my mistake and I will be more detailed this time. I did not mean to suggest that my original Capital One account was the one opened fraudulently. My original account ( opened 2012 ) was compromised. After someone gained access to the account, they changed the address for statements to an address in XXXX XXXX. They then obtained an additional card and began making fraudulent charges on my account. That is the information I am disputing. The charges that were made AFTER the billing address was changed and a new card was obtained. My only issue with the initial response is that Capital One states I never disputed ownership of the account. While I never explicitly said this account is not mine I absolutely disputed the validity of the account after it had become clear there was fraudulent activity. Again, to summarize, I am not saying I never opened this account. I am saying that it was compromised, and I should not be held responsible for fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: MO

Complaint narrative:
On XX/XX/2020, I took out a payday loan for {$800.00}. I have taken out several loans in the past with this company and my employment and contact information has not changed including paydays ( XXXX and XXXX ) of each month. 

To date, I have made a total of 3 payments with 1 of the payments not being scheduled in order to help lower the finance fee. Here is the break down in payments. 
XX/XX/XXXX : {$190.00} XX/XX/XXXX : {$100.00} ( unscheduled ) XX/XX/XXXX : {$190.00} ( taken prior to my pay day of the XXXX ) this payment has caused an overdraft with my bank account. 

Due to the last payment on the XXXX, I requested to have my bank account removed to avoid me accumulating additional overdaft fees. I initially contacted a representative and was informed that the XXXX is what was listed on my loan. He not once looked into my account history to verify pay dates or tried to resolve the situation. I then emailed XXXX to explain the situation and their response was that my bank account has been removed and to make future payments on or before the due date. 

I believe they have made a few attempts to reach me via phone but due to my work schedule I have been unavailable for their calls. I recently emailed the company to notify them of the difficulty in communicating via phone. 

Moving forward to today, XX/XX/XXXX, I logged online to attempt to make a payment on my account and I was shocked to see that my account balance has increased to {$890.00} with the total pay off balance being {$910.00}. 

I have made a total of a {$500.00} payment towards an {$800.00} loan that was taken out on XX/XX/2020. And, my current balance is {$910.00} without any late fees to accumulate. 


I am in need of assistance in having this matter resolved as I am a single parent on a very limited income and can not afford to be taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I mailed the attached enclosures to the three major credit reporting agencies disputing the negative report on my credit record. XXXX  and XXXX  received my mail and quickly deleted the debt from their record. 
XXXX  failed to follow their footsteps. Without stating a reason only stated " We have verified that this item has been reported correctly '' ( See the enclosed XXXX  response ).

Not sure what they saw or read that the other two reporting companies missed. The only thing I can think of is that they never bothered to read my submission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: GA

Complaint narrative:
I have advised Experian on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXXXXXX XXXX, XXXX XXXX. I have never paid the XXXX/XXXX   account late, I have never paid the XXXX/XXXX account late, I have never paid the XXXXXXXX account late. The XXXX XXXX account does not belong to me, the XXXX XXXX XXXX account does not belong to me, the XXXX XXXX XXXX account does not belong to me, the XXXX XXXX XXXX XXXX account does not belong to me, the XXXX XXXX account does not belong to me. Experian has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to "  promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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 explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meade Recovery Services, LLC
State: UT

Complaint narrative:
Did not know I had this debt. It resulted from a office visit in XX/XX/XXXX. I received one bill, called the XXXX office, spoke to XXXX - was told she will call me back as she had to look into the bill. Called two more times to front desk - was told it was taken care off so I didn't worry about it as I thought they wrote it off as my entire bill ended up at almost $ XXXX. That was in XX/XX/XXXX. I just found out it was reported so I called the debt collection MEADE RECOVERY agency IN XXXX, UT XXXX XXXX XXXX XXXX XX/XX/XXXX @ at XXXX MST. XXXX, a CSR answered and i asked to please speak with a supervisor. He assured me that he was a supervisor. I told him that I don't believe him as supervisors don't answer the phone. Two more times he said he is a supervisor then admitted that he is not. 
He was misrepresenting and lying to me and that is a gross violation. That credit agent has never contacted me to give me a chance to make things right. Lying to customer is a CFPD violation and want this company investigated. 
The bill is about {$330.00} and I want this taken off my credit report if I pay the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aspen National Financial, Inc.
State: CA

Complaint narrative:
I received a call from Aspen Collection agency the call started out nicely then the person began to be aggressive i explained to her I was never allowed to use the timeshare I talk to daily management they referred me to XXXX then XXXX referred me to Daily. I never received the statement from daily then they put me in collections with aspen. Per the FDCPA laws I told the lady I want the right to see the validation of debt making sure they didn't add any fees or anything because that's not in the original timeshare agreement the lady flip out and we ended the conversation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 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: GA

Complaint narrative:
I have advised Eqiufax on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. I have never paid the XXXX/XXXX   account late, I have never paid the XXXX/XXXX account late, I have never paid the DEPTEDXXXX account late. The XXXX XXXX account does not belong to me, the XXXX XXXX  account does not belong to me, the XXXX XXXX XXXX account does not belong to me, the US DEPT ED account does not belong to me, the XXXX XXXX XXXX XXXX account does not belong to me, the XXXX XXXX account does not belong to me. Equifax has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Earlier this year I applied for the XXXX capital one card for the bonus miles and travel benefits it included. I never received the bonus miles and when I called to ask, they said I was approved for a XXXX XXXX card not the normal XXXX and this card doesnt include bonus miles or the credit for global entry application. I feel like this was very misleading as I didnt apply for a XXXX XXXX card and would not have accepted it and used it had I known it wasnt what was advertised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
transunion fail to rely to my disputes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This account is closed ; they have sent me the title. I have already received the tax form to claim this as additional income. This account should be removed from my credit file with Experian. It is only reporting to Experian ; not the other 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 2020-09-10 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:
The amount was {$760.00} on XX/XX/2020 ... .I am a customer who recently open up a checking and savings account with my stimulus check my account is overdraft and on hold through your bank from a merchant ... this action seemed to be wrong because the bank did not inform me prior to putting ahold on my checking account ( even though they don't have to ) ... it was my stimulus check ... I opened up my account in California but the creditors were in Virginia ... I feel that there should have been some support for me for being a new customer and it being my stimulus check protected by the government

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 2020-09-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a XXXX woman XXXX XXXX on XXXX XXXX doing business as a XXXX XXXX in NY state. On XX/XX/2020 It was requested from XXXX XXXX a price quote from XXXX XXXX for XXXXXXXX per case quantity. I received a quote # XXXX with pricing and availability. On the price quote paperwork the product was to be shipped to the XXXX  DEP in XXXX, NY. On XX/XX/XXXX I received a invoice from XXXX and immediately saw a charge of 3 times the amount of the order placed. Upon calling XXXX company I was told I could only speak with the owner who was on vacation. During this entire week the only communication was an emailed me to saying invoice and product delivered was accurate. On XX/XX/XXXX on behalf of the XXXX-DEP I returned the cases of XXXX via XXXX. Since that time I have been trying to recover my refund on the credit card thru Chase Bank. They have been unhelpful stating XXXX company states they no not accept returns and also stated XXXX is also a chase merchant and it is a conflict. I was also told too much time has passed and they can not force XXXX to refund my money. I have been in constant back and forth since this has happened on XX/XX/XXXX. At no time did XXXX state a no return policy to me in writing or verbally. I have documents to support my claim. XXXX received the return of lubricators and want to keep the money I paid as well. This is unfair and unreasonable. They received their product back and the money that was originally paid. I was overcharged for a product by over sending the amount ordered. The XXXX-DEP would not accept this error. The buyer at the DEP-XXXX  water treatment plant asked me to pick up and return. The order was refused and the DEP omitted the payment on purchase order to XXXX XXXX XXXX. 
I did not get paid on this order but paid to have this order sent and returned and now told chase can not help with this dispute. 

Please help me resolve this issue. I have attached the dispute paperwork for your review. 
I do appreciate you attention on this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently I forward a complaint on XX/XX/XXXX, file # XXXX with XXXX with regards to a charged off account with XXXX XXXX  XXXX furniture store. I closed my account on XX/XX/XXXX w /  XXXX XXXX XXXX because after they negated to replaced my defective sofa bed after they stated they would. XXXX XXXX XXXX purposelessly kept my account active past the 180 days through 515 days before the account was finally charged off on XX/XX/XXXX. XXXX XXXX XXXX erroneously have me making a payment on XX/XX/XXXX, 5 years after authorizing my account to be closed and advising them that no payments would be made, because of their refusal to replaced a defective purchased sofa bed. They willfully kept the account active and changed the date the account was supposed be removed removed my credit report from XX/XX/XXXX to XX/XX/XXXX. XXXX was completely incompetent in conducting  thorough investigation. The inaccurate information given by XXXX XXXX XXXX is what XXXX updated without any further  inquiries. I sincerely would appreciated if the CFPB would seriously investigate this matter completely mishandled and overlooked by XXXX. 
On XX/XX/XXXX my original complaint # XXXX - XXXX regarding my account # XXXX with XXXX XXXX XXXX was received by CFPB. On XX/XX/XXXX XXXX XXXX XXXX resolved my complaint by removing the account from my Transunion report, but unfortunately the account currently remains active on both Equifax and XXXX reports. A dispute was initiated with XXXX / Report # XXXX on XX/XX/XXXX and with Equifax requesting the removal of my XXXX XXXX XXXX account from the credit report after advising them XXXX deleted the account from my credit report, XXXX and Equifax continues to overlooked my complaint without further inquiring with XXXX XXXX XXXX to confirmed the removal of my account with XXXX on XX/XX/XXXX. 
I kindly request the CFPB to further investigate my complaint and as to why XXXX and Equifax continued to have my XXXX XXXX XXXX closed account on filed without any legal reason to do so. Respectfully, Mr . XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: GA

Complaint narrative:
My vehicle was stolen on XX/XX/2020 and I was forced to purchase a new vehicle. I worked with XXXX at XXXX XXXX and XXXX and advised her that I was trying to buy a new house and that I didnt want my credit shopped around for any reason. I gave her a letter from XXXX XXXX finance showing that I was approved for XXXX XXXX She verbalized an understanding and took my paperwork from XXXX XXXX to the finance specialist. She advised him and he told me she did and that he understood that I did not want my credit run and that he XXXX XXXX ran it accidentally to multiple banks without my permission on XX/XX/2020 and neglected to tell me because he thought it was no big deal. On XX/XX/2020 I returned to the store and met with him and he advised me he would remove the XXXX XXXX inquiry. He advised me to contest it and he would not confirm it and it would be removed. I did as he requested. I also advised him that I spoke to the other banks and they said they would remove it if the dealership sent them a letter and they verbalized they would assist me. they however have refused to assist and have given me the run around and these inquiries are on my credit. I would like these inquiries removed from all three credit bureaus. I have video evidence of the dealership admitting they did the incorrect inquiries

Company response to consumer: Closed with explanation