vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have disputed an account with all 3 credit bureaus asking for removal from my credit report. I have requested proof on original ownership of debt. I have yet to receive proof and the card remains on my credit profile. They simply reply with we have verified debit but actual proof has not been provided to me. I have contacted XXXX directly and submitted 3 disputes to each credit bureau on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I just want this invalid debt to be removed from my 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 2018-04-08 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: Netspend Corporation
State: CO

Complaint narrative:
On XX/XX/2018 my Netspend/ XXXX XXXX debit card that I use was compromised while I was at work. During the time of the fraudulent activity I was at work and the card was in my possession. In the hour between XXXX XXXX- XXXX XXXX I received a total of 11 notifications of withdraws being made on my account from an ATM located at a gas station. I immediately notified Netspend of the fraudulent activity, and canceled my card. I also did what they requested and filed a police report and sent them a copy of the police report the same day that this incident occurred. I also offered to send a copy of my punch card to verify that I was at work during the time of the fraudulent activity in which they declined and said that they had all the documents they needed. 

I waited a total of 10 business days for them to investigate the fraud with out getting the money credited back into my account. On the 11th day they notified me that they did not find any errors and were not going to credit my account the {$1600.00} that was stolen out of my account. However, according to the Netspend website they follow federal regulations in which they do not allow more than 6 ATM withdrawals and the withdrawals can not exceed {$940.00} in a 24 hour period. So Netspend did make an error in that instance. Also any time a fraudulent charge appears while the card is still in the card owners possession the company is required to cover it. For all I know the fraudulent activity to my card could have been an inside job since there were obvious errors made on their end, and they declined the offer to additional documents proving that I did not make these charges.

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 2018-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
1. We have had a payment agreement with Navient since since XX/XX/2015. Year over year Navient keep raising our interest and the payment despite the fact that we have a limited income making very hard to continue with payments at this time. Also we have loans that after the initial settlement after the first class action law suit the interest was lower however they did not recalculated the loan interest base on the new rate causing some of the loans to double in a short period of this as well as they keep accruing interest over the interest they accrued at 22 % +. 
We have call and talk to supervisors and all they tell us is that " too bad you need to cut your expenses '' ( ask for the recordings that they keep and you will see it is all true ) which are already to the bear minimum. We were able to continue paying the loan with the low interest that we originally agree but they now refuse to continue with the original agreement and keeps raising the interest and the monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
This is concerning my credit card I have with HSBC. On mystatement dated XX/XX/2017, a payment in the amount of {$2900.00} was due on XX/XX/2017. I made a payment for {$2800.00} on XX/XX/2017. I missed one item that was charged later and did not have a statement. Since my full payment was not received by the payment due date reflected on my billing statement, an interest charge of {$48.00} was assessed on my account. I requested a refund or reduction, because the amount charged for a simple mistake is inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I have been a customer of Union Bank ( UB ) for many years. In XX/XX/XXXX, UB offered a XXXX card. I accepted it. Even though, I always paid my balance in full and on time every months, the UB kept charged interest and fees. I got so sick of it, I stopped use it since XX/XX/XXXX. 
Last month, I learned that the UB sent {$41.00} to a collection firm XXXX XXXX XXXX, XXXX without any advance notification or billing statement. On XX/XX/XXXX, I wrote to UB regarding this matter. The UB 's representative, XXXX called and told me to deal with the original creditor ( XXXX ) who never claims that I owed them anything. The UB refused to accept the full responsibility for their wrong action. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: TX

Complaint narrative:
On XX/XX/XXXX, after viewing my credit reports, I contacted all 3 credit bureaus to inform them there was fraudulent activity on my credit report ( addresses and inquiries ). I mailed and faxed copies of my ID, social security card, FTC Affidavit and a letter asking them to remove the fraudulent information. I clearly stated that I was a victim of identity theft. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a collection account to my credit matching one of the addresses previously reported on the FTC Affidavit. 

I contacted each bureau to inform them of the fraudulent account and sent an updated copy of the FTC Affidavit including the account with XXXX XXXX XXXX XXXX. 

As of XX/XX/XXXX, XXXX XXXX XXXX XXXX reports as a valid collection. It does not show it being in dispute nor was it blocked pursuant to 15 U.S. Code 1681c-2. 

So far, the credit bureaus have violated the following : 1. 15 U.S. Code 1681c1 ( A ) and ( B ) and, 2. 15 U.S. Code 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Over the course of the last 3 days XXXX XXXX XXXX contacted me regarding my Sisters debt. They have called me on 4 different occasions. The first time they called I asked if they had my sister 's telephone number and address, they confirmed that they did. I confirm the address and telephone number with the debt collector at that time. The second time they called they told me that they were unable to reach my sister and asked me if I could contact her and tell her to pay the bill. I told them I will relay a message to my sister, which I did. The third time they called, I picked up the call and ask them to stop harassing me and hung up. The 4th time they called I let it go to voicemail. They left a detailed message regarding information about my sister 's debt. The person that called the fourth time identified herself as XXXX XXXX at XXXX Ext. XXXX. I immediately called back after listening to the message and told them to remove my telephone number from their records and also told them about XXXX XXXX 's elaboration of my sister 's debt on my voicemail. My personal name and number is clearly stated within the voicemail greeting. My sister 's name is XXXX XXXX. My name is XXXX XXXX. My sister lives in XXXX, California and I live in the XXXX Massachusetts area. 

Thank you, XXXX XXXX XXXX, XXXX. 
( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
They are telling me I'm not allowed to use an external application to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, after viewing my credit reports, I contacted all 3 credit bureaus to inform them there was fraudulent activity on my credit report ( addresses and inquiries ). I mailed and faxed copies of my ID, social security card, FTC Affidavit and a letter asking them to remove the fraudulent information. I clearly stated that I was a victim of identity theft. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a collection account to my credit matching one of the addresses previously reported on the FTC Affidavit. 

I contacted each bureau to inform them of the fraudulent account and sent an updated copy of the FTC Affidavit including the account with XXXX XXXX XXXX XXXX. 

As of XX/XX/XXXX, XXXX XXXX XXXX XXXX reports as a valid collection. It does not show it being in dispute nor was it blocked pursuant to 15 U.S. Code 1681c-2. 

So far, the credit bureaus have violated the following : 1. 15 U.S. Code 1681c1 ( A ) and ( B ) and, 2. 15 U.S. Code 1681c-2

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 2018-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2018, after viewing my credit reports, I contacted all 3 credit bureaus to inform them there was fraudulent activity on my credit report ( addresses and inquiries ). I mailed and faxed copies of my ID, social security card, FTC Affidavit and a letter asking them to remove the fraudulent information. I clearly stated that I was a victim of identity theft. 

On XX/XX/2018, XXXX XXXX XXXX XXXX reported a collection account to my credit matching one of the addresses previously reported on the FTC Affidavit. 

I contacted each bureau to inform them of the fraudulent account and sent an updated copy of the FTC Affidavit including the account with XXXX XXXX XXXX XXXX. 

As of XX/XX/2018, XXXX XXXX XXXX XXXX reports as a valid collection. It does not show it being in dispute nor was it blocked pursuant to 15 U.S. Code 1681c-2. 

So far, the credit bureaus have violated the following : 1. 15 U.S. Code 1681c1 ( A ) and ( B ) and, 2. 15 U.S. Code 1681c-2

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 2018-04-08 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: IL

Complaint narrative:
I have filed a complaint with CFPB and I believe it has been forwarded to Experian. I dont really wish to litigate this matter even though there are numerous precedents such as XXXX XXXX XXXX ( Experian ), XXXX v XXXX and XXXX XXXX, XXXX that suggest the courts would find in my favor. All I want is for the items listed in my dispute to be removed from my credit report because Experian has not met the requirements of a reasonable investigation nor been able to provide me with the documentation I have requested. 
I would very much appreciate any assistance you might be able to provide in resolving this matter. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file opened fraudulently. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled.

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 2018-04-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
Hello, I have been trying to get USAA to stop reporting incorrect information to my credit report for months. They are reporting four accounts they have cancelled the contract for ; {$1900.00} was cancelled on XX/XX/XXXX, {$9500.00} was cancelled on XX/XX/XXXX, {$10000.00} was cancelled on XX/XX/XXXX, and {$4400.00} was cancelled on XX/XX/XXXX. They have since reported these same four accounts as outstanding late/derogatory accounts on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried to contact them and they will not access my accounts without me bringing my accounts current which is counter intuitive to the issue I am trying to resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently reviewed my credit report XX/XX/2018 and found XXXX XXXX is reporting inaccurate information on my credit reports with all 3 of the major credit bureaus Equifax, XXXX XXXX and XXXX. Not only are they reporting serious erroneous information, they also do not report an address they can be reached on my credit report so I can inform them of these serious errors by certified mail. This is a clear violation of the FCRA and shows a serious error in their reporting practices. Attached, is a copy of my credit report where they have left no address to be reached at. This erroneous derogatory remarks is making it extremely difficult for my family to access the credit that we need and is causing us an unnecessary hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: IL

Complaint narrative:
I have filed a complaint with CFPB and I believe it has been forwarded to Equifax. I dont really wish to litigate this matter even though there are numerous precedents such as XXXX XXXX XXXX ( XXXX ),   XXXX v XXXX and XXXX XXXX, Equifax that suggest the courts would find in my favor. All I want is for the items listed in my dispute to be removed from my credit report because Equifax has not met the requirements of a reasonable investigation nor been able to provide me with the documentation I have requested. 
I would very much appreciate any assistance you might be able to provide in resolving this matter. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file opened fraudulently. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I demanded that the following accounts be removed from my credit report : XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2018-04-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
I took out a HELOC with Suntrust Mortgage in XX/XX/XXXX. After the Crash, I had to file a Ch XXXX BK in XX/XX/XXXX. Then I did a Loan Mod with my first XXXX XXXX in XX/XX/XXXX. I went back to Suntrust in XX/XX/XXXX to find out my Balance as I was going to give it to my Attorney to start the process of having that lien discharged,  voided or scrubbed. Whatever you call it. 
Suntrust told me back then that I owed them nothing as the loan balance was XXXX. 
They lacked total candor and hid a lot of things from me so I could not do what I had the legal right to do. 
Now I am selling my home and they want to take all my proceeds to line their greedy pockets and ruin my retirement. 
This is WRONG, DIRTY and UNSCRUPULOUS what they did to me. 

I NEED YOUR HELP PLEASE. 
PLEASE READ MY FULL COMPLAINT.

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 2018-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I first noticed 90-day delinquency on my credit report- reported on XX/XX/XXXX for XX/XX/XXXX. I paid the past due balance on XX/XX/XXXX to quickly remedy the issue and prevent any more delinquency reporting to my credit. I called customer service several times after making the payment to understand how this was the case. After a couple weeks of reviewing email communication ( they never mail me anything ) and comparing it to the correspondence uploaded onto my online Navient account. There are SEVERAL documents that they are claiming that they have sent to my address, but I can assure these documents were neither mailed, nor emailed to me. The uploaded documents only show that a letter was generated, but does not show any proof that it was truly mailed. One document I was specifically looking for was a notice that my deferment was ending. My deferment was approved until XXXX, I did not receive any correspondence stating the deferment has ended sooner than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
Optimum Outcomes Inc is the company. 
Ive spoken with this company multiple times about this collection. 
This is not my bill or collection in any way. 
They told me this collection was opened on XX/XX/XXXX. 
Ive tried to investigate what took place on this date and why is there a bill on my credit report. 
They then told me the collection was opened XX/XX/XXXX. 
The collection is {$540.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: TX

Complaint narrative:
I have sent multiple Credit Bureau Disputes and even a letter directly to XXXX XXXX. They report all aspect of this account incorrectly. The account shows open when it is closed, the balance is incorrect, it shows a past due amount higher than the high credit, and they never placed a notice that this account is in dispute.

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 2018-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted a payoff to XXXX XXXX XXXX XXXX XXXX. This payoff was evidenced by a filing via a UCC 1 Financing statement recording File no. XXXX. I submitted payoff via mail and sent copies of payoff via fax, email and certified mail. To this date XX/XX/2018 XXXX XXXX XXXX XXXX  XXXX has fail to credit my account and continuesbto bill me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation