vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-04 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: CA

Complaint narrative:
Capital One Credit Card Services. 

Monthly payments towards the account are not applied correctly. 

Account is closed to unfair practices by Capital One. 

Earnestly, proactive in paying account. 

Due to traveling and business some payments are sent with correct Statement Pay date and amount to be paid. More often amount is paid more than minimum amount due. 

Subsequently, I am penalized for making payments for more money and sending ahead of the actually due date! Time frame XX/XX/XXXX - XX/XX/XXXX. Checks verify the month payment is made for as well as online payments. 



Erroneous late charges applied to account. Reporting to credit bureaus erroneous 30 day later. 

Spoke to several " Supervisors " with no satisfaction. 

My conclusion is Capital One scams the consumer by placing extra payment on their statements and applying them to the wrong month, charging late fees. 

I have documentation for all concerned complaints. Account Summary for payments is generalized and is not applied to correct months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am attaching a copy of the letter than my husband XXXX, and I, mailed to the credit bureaus on XX/XX/XXXX. The bureaus are supposed to investigate the accounts we listed, and respond within 30 days. XXXX  DID respond, but Equifax and XXXX XXXX have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Duncan Solutions, lnc.
State: NJ

Complaint narrative:
I have a New Jersey XXXX account. NJ XXXX incorrectly sent a bill to a collections agency " XX/XX/XXXX '' headquartered in Wisconsin. I called XXXX on XX/XX/18 to resolve all issues. XXXX took care of what they could on their end but told me I had to call XXXX and resolve the amount that had incorrectly gone out to collections. 

I called XX/XX/XXXX, and spoke to two employees there. Both told me that even though the original charges were erroneous there was no way for me to dispute the charges on the phone or online. They offered no way to resolve the issue or send it back to their client. 

The hoops XX/XX/XXXX and XX/XX/XXXX are utilizing are predatory and inefficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: GA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete 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, XXXX XXXX, XXXX , XXXX XXXXXXXX, 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 2018-09-04 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: NC

Complaint narrative:
I am attaching a copy of the letter than my husband XXXX, and I, mailed to the credit bureaus on XX/XX/XXXX. The bureaus are supposed to investigate the accounts we listed, and respond within 30 days. XXXX  DID respond, but XXXX  and Trans Union have not.

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 2018-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Good day, In XXXX I started the search for a house. My loan originator was going through details and accounts that are currently active and reporting to find out that an account that to my knowledge was closed back in XXXX was reporting as delinquent. 
A brief summary : I started the process of a credit consolidation in XXXX for several accounts through a company called XXXX XXXX based in California. All the accounts were closed successfully, but somehow, the Citibank XXXX XXXX XXXX XXXX ( one of the multiple account I was consolidating ) did receive payment in full for the amount agreed to settle of {$510.00}. This amount was paid in two installments, first one in the amount of {$310.00} ( check sent and cashed by creditor ) and a second payment in the amount of {$190.00} ( same as other, cashed by creditor as well ) I have already provided these details and a handwritten letter to Citibank Payment Investigation Department. However, I am still pending for a resolution that could take anywhere between 30 to 60 days ... I HAVE TO WAIT?!?!?! I am trying to buy a house, and this account should have been closed in XXXX of XXXX. Now almost three years later, I am being treated rudely over phone ( worst costumer agents in general English speakers - Spanish agents are great ), I call to verify the received everything they have asked me for and they tell me they did not receive anything and that now i have to wait two months for a resolution. 
Resolution is simple. They were paid in full in a timely manner and they are trying to collect more money from me. They are and have been affecting my credit score for three years now. I have been subject to highest APR for everything. I want compensation and immediate resolution. I have everything, details and proof of account being settled in a timely manner and that they received and cash their payments. 

Please help me. This situation has affected me and my family long enough. 

Cordially,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-04 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: HEARTLAND PAYMENT SYSTEMS INC
State: VA

Complaint narrative:
Going over my student loan and online I am missing statements from XXXX XXXX and there are missing statements as well from XX/XX/17 to XX/XX/17. 

On all of my billing statements they show some fees but none of the fees make sense. I have spoken online a few times about the situation and they seem very helpful and want to help but still nothing gets accomplished. 

I have filed a dispute on credit report but now I cant even find the account on any of my credit reports. 

I was late on making payments but having the conversation online with a chat representative because that's the only way to actually get a hold of someone. and They said my late payments should be removed and they weren't and now the account is just gone. But they have me okay for some months during my rehabilitation process and then out of no where I'm late and my payment is late again when it is set up on automatic repayment plan. Now every time I go to check my bill it says that there is a 0 balance due. I reported this last month and then this month it happened again. I'm just confused and it is just unprofessional. I do not trust them with my student loans and want to know where my money is going and to what and why things are just appearing and disappearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: FL

Complaint narrative:
on XX/XX/XXXX of 2018 a charge was made to my chase XXXX rewards card which both my children were authorized users on. the charge was made to XXXX XXXX in the amount of 3800.00. on such date a person known to my son accessed his phone to wire the money to a friend this was done by the XXXX XXXX site knowing the info as it was automatically signed in. within a few minutes of receiving the text of the purchase via chase texts. a call was placed disputing the charges as fraud unauthorized within 5 mins of receiving it. the process was long and the result ended not in are favor due to the fact we knew the person who committed the fraud. as to the law on such issues is fairly easy to understand under the fair credit billing act. it is not uncommon for a person or family member to fraudulently use a person credit card with out there permission. it also states that its not a denial of a claim for such. its my opinion that chase bank has skirted this claim and has not held the fair credit billing act to its standards on unauthorized use. chase bank has denied the claim stating that i knew the person. they claim i never contacted XXXX XXXX which i did on several occasions. ( see letter from XXXX XXXX ) i would also like to add as to the fact the transfer shows it was cancelled and never paid ( see in closed transaction summary ) chase investigator number 3 asked for a letter stating the id theft which was faxed to chase as there request. i would also like to add that my password to XXXX XXXX was changed immediately and a email was sent to them which no response was ever given just a letter 4 months later. chase may never return the money that was taken from my account along with the cash advance fees it has made on the unauthorized purchase but im never willing to be taken advantage of by big banks who violate the law and rob average citizens on a daily bases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
With my consent Home Depot opened another credit card in my name as I was making a purchase. I did not realize the material was charged to this new account, and missed seeing the bill. I was a week late for the {$15.00} charge. I was charged a late fee equal to my original charge, plus {$2.00} interest. I did not make time to dispute this late charge, and realizing I was late went to Home Depot to pay the bill, but Home Depot 's system only allowed me to pay {$15.00}, so I incurred another late fee. I attempted to resolve this with the bank ( Citi Bank ) and they refused my request to waive the original {$15.00} charge or to make it reasonable ( for example {$3.00} ). As it stands I have incurred {$6.00} extra charges for which they were willing only to waive {$2.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: Convergent Resources, Inc.
State: OH

Complaint narrative:
XXXX XXXX was deleting and still reporting as it was deleted as i did not own the account. 
XXXX XXXX XXXX was deleted but still reporting. 

XXXX XXXX is reporting twice as XXXX and should only be one charge of 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 2018-09-04 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:
on XX/XX/18 i sent a dispute to equifax in regards to a incorrect reporting on my credit report. this debit is not mine. so how can they have validated this debit. i still have not received a response from the creditor or any supporting documents from equifax in regards to this debit beside a credit report updated that list the debit as accurate. its is a false reporting and equifax has not fixed it. i was giving no knowledge of this debit before it was placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I attempted to contact XXXX XXXX XXXX & XXXX XXXX multiple times since XX/XX/2018 and even sent a written correspondence requesting that they remove an inquiry that was reported on my Credit Report that I did not authorize. 

They informed me that they have no information on file for me. They told me they would have the inquiry removed and never removed it. 

I tried to reach out the all three credit bureaus ( Transunion, XXXX & XXXX ) and was told they will not remove any false or inaccurate inquiries and I would have to contact the " furnisher '' myself.

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 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I attempted to contact XXXX XXXX XXXX & XXXX XXXX XXXX XXXX since XX/XX/2018 and even sent a written correspondence requesting that they remove an inquiry that was reported on my Credit Report that I did not authorize. 

They informed me that they have no information on file for me. They told me they would have the inquiry removed and never removed it. 

I tried to reach out the all three credit bureaus ( XXXX, Equifax & XXXX ) and was told they will not remove any false or inaccurate inquiries and I would have to contact the " furnisher '' myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: AR

Complaint narrative:
In XX/XX/2018 I disputed an inaccurate item with Equifax Credit reporting company. Equifax did the investigation and replied back as the account was verified. In XXXX I disputed the inaccurate account WITH EQUIFAX AGAIN THE ACCOUNT which is XXXX XXXX # XXXX and they replied back as verified again in XXXX On XX/XX/XXXX I sent in another certified letter to Equifax I have copies of the mail receipt that I sent the letter certified to Equifax,, The letter was METHOD OF VERFICATION. I ASKED EQUIFAX TO SEND ME THERE METHOD OF VERFICATION SO THAT I CAN SEE WHO AND HOW THEY VERFIED THE ALLEGED ACCOUNT, ,BY LAW AND PER FCRA I AM ENTITLED TO SEE THE METHOD OF VERFICATION AND HOW THE VERFICATION PROCESS WAS PROCESSED. ON XX/XX/2018 EQUIFAX COMPLETED THERE INVESTIGATION AND FAILED TO SEND ME THERE METHOD OF VERFICATION,,, HOW ARE THEY verifying THESE ACCOUNTs with the creditors and me as the consumer cant get the copies and or information on there method of verification,,, Equifax has violated the law, has violated my rights as a consumer ... On XXXX all Equifax sent me by mail was the account was modified,,, I asked for the METHOD OF VERFICATION WHICH I AM ENTITLED TO. I HAVE COPIES OF THE LETTER THAT I SENT CERTIFIED TO EQUIFAX ON XX/XX/2018 THEY RECEVIED MY LETTER ON XX/XX/2018 AND HOW IS IT THAT EQUIFAX CANT AND DIDNT SEND ME THERE METHOD OF VERFICATION,,, I AM GOING TO FILE A SMALL CLAINS FOR THE NON COMPLIANCE,,,, OR DELETE THE INACURATE ACCOUNT OFF MY FILE. EQUIFAX IS NOT FOLLOWING THE FCRA RULES,,, YOU FAILED TO SEND ME THE METHOD OF VERFICATION WHIH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT 611 ( A ) ( 7 ) MY LAST AND NEXT STEP IS SMALL CLAIMS FOR VOILATIONS AND NON COMPLIANCE OR DELETE THE INACCURATE ITEM OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/XXXX. Our accounts were levied by the IRS. It was supposed to held for 21 days per the IRS Code and the letters that Key Bank was served. We resolved the issue on the XXXX and they sent Key Bank the release. We called on the XXXX to see when we can expect the funds to be redeposited from the hold. At that time. They told us that the funds were gone. That they sent them to the IRS already. It was a mistake. Nobody knows where our funds are and nobody knows when we are getting them back. This is roughly 20k. Would love assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has once again added fraudulent accounts that they were already notified were fraud, back onto my credit reports. Equifax has already received my FTC law enforcement identity theft affidavit. Equifax blocked these accounts, sent confirmation they blocked them as required due to the FCRA laws protecting consumers of identity theft. Not only are they violating consumer protection laws by unblocking fraud and re adding fraud back onto my credit, they know its fraud. Knowingly reporting incorrect fraudulent information. They recently added two new accounts from XXXX XXXX that I did not authorize, a auto loan and a Line of Credit. These were previously blocked, and equifax decided to unblock them and Re add the fraud. Without notifying me. They continue to damage my credit placing incorrectly reporting fraudulent accounts that were opened as a result of identity theft. They have already been made aware of these accounts and proceed to over ride the identity theft block. This includes an account from XXXX XXXX XXXX. I believe equifax is leaking my information, as it seems equifax is the only bureau placing fraud on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MA

Complaint narrative:
On Saturday, XX/XX/XXXX, I spoke with XXXX XXXX regarding a settlement on my loan. That day we agreed that I would pay {$14000.00} on Tuesday, XX/XX/XXXX. Moments later, the settlement offer was sent to me via XXXX XXXX. I did not sign because the address that was listed on the contract was incorrect. When I asked them to send a new copy, XXXX, promised that I would receive the new copy the morning of the XXXX. 

Today is now the XXXX and the company has refused to send me a new settlement letter. I have called 6 times today, starting from XXXX - XXXX EST. Each time a representative has told me the document would be sent shortly and it is never sent to me. 

The reason for my complaint is that each day that passes, without the payment being made, I will incur more interest/late fee charges. A rep from the company told me that I would pay without receiving the settlement letter. However I refuse to make a payment until I have the document and have signed it. 

All I would like to do is pay my settlement loan and be done with it and for whatever reason they are holding me hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Management Outsourcing, Inc.
State: SC

Complaint narrative:
On XX/XX/2018 at XXXX, I attempted to contact XXXX XXXX XXXX to set up a payment plan on an account that I previously owed. At one point in time, I was set up on payments for this account but I was unable to continue making the payments. When I contacted them, the lady that I spoke with told me that in order to get me set up on a payment, I would need to provide them information regarding my personal finances. I told them that I was not comfortable providing that information, nor per the FDCPA was I required to provide this information. I told them that I could set up payments semi monthly in the amount of {$30.00} ( a total of {$60.00} a month. ) The woman told me that she was unable to set me up with that amount. Seeing as I work in Compliance for a collection agency, I do know that it is a violation of the FDCPA that they can not refuse any amount that I am willing to pay. I do have a copy of the call on my phone as well as I do record all of my calls, as well as they record their calls. Due to the illegal practices of this company, I want this debt removed from my credit report and for the account to be closed. I will continue to file complaints until this has been resolved.

Company response to consumer: Closed with explanation