vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear Sir/Madam, I had submitted a dispute that I was never late against XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX, XXXX, MA that I was never late in XXXX when they reported to the bureaus that I was late by 30 days. I have proof that the investigation was resolved in my favor. They refuse to take out the negative connotation and then when I showed them the letter ; they changed it from XXXX to XXXX causing my credit score to drop 100 points. Please find the letter attached clearly stating that the dispute was resolved in my favor. They are playing games and just moving the dates around when the dispute was clearly resolved in my favor to damage my credit rating. Due to this I'm unable to get a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019 I received information via text from Capital One concerning some fraudulent charges. Ive had so many unaurthorize charge on my account so reached out to XXXX to resolve it but nothing happened. Several calls has been made to the bank to recover my fees but I was given no answer. I've had an account with Capital One for about 4 months now and I've received so many fees with has caused my account to go negative ... I valued being a customer but I dont like to give away money and because of that I've fallen behind on all of my bills. I have so many fees on my account and I know that its a bank error. I recently received a text from Capital One concerning a fraudulent charge in result someone had stolen my card so i followed up with them to resolve my account but i was left with paying all of those fraudulent charges ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
One main financial obtained a copy of my credit report without my permission on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carvana Group, LLC
State: GA

Complaint narrative:
Carvana obtained a copy of my credit report without my permission on XX/XX/2017. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear Sir/Madam, I had submitted a dispute that I was never late against XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX, XXXX, MA that I was never late in XXXX when they reported to the bureaus that I was late by 30 days. I have proof that the investigation was resolved in my favor. They refuse to take out the negative connotation and then when I showed them the letter ; they changed it from XXXX to XXXX causing my credit score to drop 100 points. Please find the letter attached clearly stating that the dispute was resolved in my favor. They are playing games and just moving the dates around when the dispute was clearly resolved in my favor to damage my credit rating. Due to this I'm unable to get a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capitol One obtain a copy of my credit report on XX/XX/2017 without my permission. I did not authorize this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX obtained copies of my credit report on XX/XX/XXXX and XX/XX/XXXX without my permission. I did not authorize use of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX XXXX, I received notification that my credit rating dropped 50 points for no reason. I immediately contacted XXXX and asked them how that happened. I was told to contact XXXX about this matter. XXXX representatives tried to charge me for the information I was requesting. When I refused to pay anything for the information, they gave me very complicated and convoluted instructions about the procedure I needed to follow in order to obtain such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: KEYCORP
State: NY

Complaint narrative:
Key bank had reported late payments to my account for my credit account ending in XXXX XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was offered a balance transfer in XXXX XX/XX/XXXX from citi cards ( XXXX XXXX ). I accepted the offer at {$15000.00} with XXXX interest until XX/XX/XXXX at fee at {$450.00} ( 3 % ). Subsequntly, citi broke the contract by charging me interest XX/XX/XXXX {$100.00} and then XX/XX/XXXX {$40.00}. I informed the bank of mistake. They offered a refund of XXXX It was not acceptable. I borrowed from another card ; XXXX ; made the full repayment of all outstanding balance at XX/XX/XXXX {$13000.00}. The bank only reimbursed me for the wrongly charged interest rate of {$14000.00} but never offered either apology or reimbursment for wrong advertising ; enducing me into the deal ; breaking contractual arrangements or my additional costs. I asked for a refund of {$450.00} fees. It was not given - no explanation from the bank. They made {$450.00} on a 6 - month loan for XXXX - outraougous 6 percent interest - something i would not agree beforehand as i had other attractive means of funding in XX/XX/XXXX. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient is the loan servicer and even though a letter of cease and desist was sent to them indicating to contact us by mail only, they continue to call daily. Sometimes multiple times daily. This is clearly harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto Finance obtained a copy of my credit report on multiple occasions that I did not authorize. Dates are as follows : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018. I did not authorize any of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: 2288984 Ontario Inc.
State: OH

Complaint narrative:
I received a loan from XXXX XXXX on XX/XX/2018 they take out XXXX biweekly I called to inquire about payoff amount I borrowed XXXX and my payoff balance as of XX/XX/XXXX is XXXX not only have nothing came off of my balence of the XXXX already paid. The said it is so high because I didnt do the other pay off options that was never even offered to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander Consumer USA obtained a copy of my credit report  on two occasions without my permission on XX/XX/2018 and XX/XX/2018. I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
CBNA obtained a copy of my credit report without my permission on XX/XX/2018. I did not authorize use of 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 2019-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have a credit card account with XXXX 's XXXX XXXX in XXXX, WI and it is not showing up on my Transunion report. This problem was first addressed in XX/XX/XXXX and it has not resolved. I met with the bank in XX/XX/XXXX and have inquired via e-mail three more times since then. I have contacted Transunion as well. It seems that since this account was suppressed from a Bankruptcy in XX/XX/XXXX it has not been reporting. This account was reaffirmed in the bankruptcy and was not included in the bankruptcy - in other words we did not want to lose this account so we continued to pay as agreed and did not close this account. 

Also, from the bankruptcy in XX/XX/XXXX, we reaffirmed our mortgage with XXXX XXXX  XXXX ( now we are serviced by XXXX XXXX XXXX ) and this account, also, is not being included on our credit reports. THe reporting has been suppressed since back then and it looks like we never even had a mortgage! We have been in this home for over 10 years and we aren't getting the benefit on our credit report. YES I called the credit companies and YES I called XXXX XXXXXXXX XXXX starting back in XX/XX/XXXX, Again in XX/XX/XXXX and finally, just called on XX/XX/XXXX. 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 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I was checking my credit report and I noticed that I have a collection from XXXX XXXX XXXX for XXXX XXXX for the amount of {$530.00}. I disputed it with the credit agencies but have been unsuccessful. This account was open fraudulently. I need this to removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it may concern looking at my credit report I noticed some errors in the reports by XXXX, XXXX, and Equifax. 

1. Personal information on my report that is not minds ( Names and address ) .I live in North Carolina   Presently for the last 8 years. Havent live in XXXX XXXX Alabama or XXXX XXXX Arizona. 

2.Student Loans from XXXX for XXXX dollars starting on XX/XX/16 and another one from XXXX for XXXX starting on XX/XX/16. 

3.Old information and accounts over seven years keep appearing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GreenSky, LLC
State: GA

Complaint narrative:
Greensky Financial Obtained a copy of my credit report on XX/XX/2019 without my permission. I did not authorize this company to obtain my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-America Accounts Control Bureau, Inc.
State: KS

Complaint narrative:
Medical debt was put in my name somehow, it belongs to my ex-wife, she called asked repeatedly for them to put it in her name and she is paying on it. They are still reporting it as my debt, when she called and assumed the debt, made payment arrangements, and they said they would remove it from my credit but they haven't and won't. I disputed it through the credit agency it's still there. I called Mid-America collections they were rude and hateful told me to dispute it again, what more can I do. I asked if my divorce attorney could show them that it isn't mine and it needs to be reported on hers, they were rude and extremely hateful. 
They won't even tell you who they are when you call unless you tell them you have an account with them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: Navient Solutions, LLC.
State: MS

Complaint narrative:
MY PAYROLL CHECK IS GARNISHED BY PIONEER RECOVERY AND HAVE BEEN SINCE XX/XX/XXXX. I DID NOT RECEIVE MY IRS REFUNDS AND WHEN I SPOKE WITH XXXX XXXX XXXX FORMED ME THAT DUE TO THEY WERE GARNISHING ME THEY HAD ASCENDIUM TO GARNISH MY TAXES AND ACENDIUM ALSO HAS THE SME COLLECTION AT THE IRS AS PIONEER RECOVERY HAS AT MY JOB FOR GARNISHMENT. I HAVE DOCUMENTATION FROM THE THE STUDENT LOAN WHO GAVE THE LOAN TO PIONEER AND DATES AND

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In early XX/XX/XXXX called capital one and disputed two late payments of XXXX each. As i pay with online banking and see that all payments were sent to the credit card company. the two late fees were given because the credit card company said the payments came in 24 hours to soon an were posted on the previous billing cycle. My statement date for late payments is the XX/XX/XXXX of the month. I use bill pay and the payments are sent out 2-3 of each month when my ssdi check clears. The second late fee was not removed till i opened a cfpb complaint XXXX on XX/XX/XXXX. 24 hours after making the complaint a high level capital one rep with her own phone number and pin code to call called me. She removed the late fee but would not move the payments to the right months. On XX/XX/XXXX Statement the bill was wrong do to the late payment and there system showing late month payment was missing. I disputed that bill with the capital one rep. This month bill there is now a XXXX late fee on a disputed account for missing payments. A letter of dispute was faxed and mailed to capital one before this months billing cycle ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have been trying to get 5 fraudulent accoutns removed from my credit report for years. I have sent letters with no response. Sent police reports and FTC reports. Called, etc. I spoke with a rep today and filed a fraud dispute AGAIN via report number XXXX on the following accounts XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are reporting the same account The rep advised me the reason I have not received results is because they didn't receive reports I have even uploaded numerous times through this forum. He advised me to file another FTC complaint with Identitytheft.gov which I have and submit it via www.experian.com/upload but that site will not allow me to upload so I will upload via here and pray you send it to them and they actually read it this time. I also mailed it to them via mail also. 

My last police report was from XXXX of this year and I submitted that also

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Added a recipient " XXXX XXXX '' to my online banking around 2 years ago, but paid another way. On XX/XX/2019, went to online banking and saw the account was " verified '' sent a transfer of {$360.00} to " XXXX XXXX ''. Recipient stated that she never received the money. within 2 hours i called Bank of america, they stated that they can put in a claim and try to get the money back but will take 90 days. they later sent a notice saying that they could not get my money back, even though it was a bank of america account, i would have to contact the account holder directly, but would not provide me with the account number that it was sent to, or the account holder name. however the account name i entered does not match the one of the account number, even though th online service claims that account with name i provided is " verified ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: Peoples Financial Corp.
State: GA

Complaint narrative:
I had a loan with XXXX XXXX XXXX on XX/XX/2016 they reported a late payment by error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
Commonwealth Financial, located at XXXX XXXX XXXX, XXXX XXXX, PA, XXXX ( XXXX ) XXXX, reported a debt in the amount of {$610.00} on XX/XX/XXXX.

Date of first Delinquency was in XX/XX/XXXX. I became Medicare eligible in XX/XX/XXXX-and provided said proof.

This company RE-AGED the debt on XX/XX/XXXX-impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Rec 'd bill from card company, due date was XX/XX/2019. sent money online to Capital One on XX/XX/2019, by bank released funds on XX/XX/2019 said money was sent to ( {$320.00} ) Capital One. Informed by Capital One all funds are held for 7 days before releasing to the account. Is this legal? Someone is drawing interest on this money and it's not me, Are they really allowed to hold money for 7 days? Before applying to account.?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have left my employer and I am trying to close my HSA account with PNC Bank and transfer the assets to a HSA with XXXX XXXX. XXXX has spoken with PNC multiple times to confirm the address to send the Transfer of Assets ( TOA ) form to and has sent the TOA on multiple occasions. PNC continually claims that they haven't received any of the documentation from XXXX. I started this process in early XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I did not receive service for this month and this company charged me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation