vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In late XX/XX/XXXX, we called Capital One to make full payments on four of our credit cards. After noticing for a few days that payments were not going through we call them to make sure everything was fine and they assured us that because it was four accounts that were paid at once it will take some time for it to process. A few more days went by and we still noticed our payment was not being withdrawn from our account so we called again and were told the same thing. On XX/XX/XXXX we received a letter stating that two of  the accounts will be closed because the activity on this account was not consistent with the expectations for account usage. When we call capital one to see what this letter was in regards to they explain that because our payment did not go through due to incorrect account numbers the accounts were being closed ; we explained that we noticed payments were not going through and that we called twice and we were told by them that everything was OK so it was unfair for them to close the account. They suggested we submit a claim for each card requesting for these accounts to be re-open which we did. Capital one did agree to reopen our cards and told us to wait for a phone call it which they ask for more information to then reopen the accounts. We waited and waited and received no phone calls. We called and were told that they tried calling and we didnt pick up. After that I made sure to pick up every phone call regardless if I knew the number or not. After not receiving any phone call, we called capital one and were told that someone was going to call us at XXXX ; after not receiving the phone call I called and was told that the representative that was suppose to call us was currently in a meeting but that they were going to send him an email and attach his manager so it becomes a high priority and he can call us. We were told maybe later on that day we would get a call. We did not receive a call. At this point we were told that due to no one answering the phone they closed the claim and request to open up the cards ; and that we would have to restart the process and submit a claim to see if capital one wanted to accept this appeal and reopen our cards. 
We made our first payment around late XX/XX/XXXX we are now mid XX/XX/XXXXand no one cares to resolve this. We have been trying to purchase a home and this has been holding down my credit score. This is going on 4 months and everyone just passes the bucket to someone else and no one really does anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-18 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: GA

Complaint narrative:
s XXXX equity line is not reporting that in XX/XX/XXXX or XX/XX/XXXX that I was late. was ' never late in the month of XX/XX/XXXX please make entire year today correct with no lates!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
s XXXX equity line is not reporting that in XX/XX/XXXX or XX/XX/XXXX that I was late. was ' never late in the month of XX/XX/XXXX please make entire year today correct with no lates!

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 2018-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: IL

Complaint narrative:
I have tried to get this alleged debt validated. It started when XXXX sold the debt to XXXX XXXX XXXX XXXX. I got a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I sent them a validation letter on XX/XX/XXXX. XXXX XXXX XXXX XXXX did not respond. So I sent another letter on XX/XX/XXXX, that was also not responded too. According to XXXX XXXX, XXXX they sent me an email requesting payment for the debt. I never gave anyone authorization to email me about a debt or payment of alleged debt. Well guessing the alleged debt was sent back to XXXX. XXXX yet again sold it to McCarthy , Burgess & Wolff , Inc . I sent in a request for validation on XX/XX/XXXX certified mail. I have sent validation letters to XXXX in XX/XX/XXXX and XX/XX/XXXX. I also sent 609 letters to XXXX and XXXX   about this alleged XXXX debt. Everytime it comes back as " verified ''. But no proof as to how they verify it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
eqiufiax is not reporting an any of my trade lines and on my XXXX and XXXX it is reflecting that I was late and I was never late in XX/XX/2017. In addition they have negative trade lines that are over seven years that about 12 years and should be dropped or taken off. Which are California XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: CITIBANK, N.A.
State: OH

Complaint narrative:
In XX/XX/XXXX I had several unauthorized charges made to my account- I worked closely with Citi Bank but finally right before XXXX I was told that I would NOT be compensated for the unauthorized charges which were a little over 1,700 - their reasoning was that I was honest and said I never lost my card and since it was a chip card and they say it was swiped they say I am lying that I made the charges- I have requested several times since then - most recently during the phone call during my last complaint for proof that they validated the charges using camera footage or by comparing the receipts ( in XX/XX/XXXX they requested a copy of my DL to compare and it was sent immediately ) during this most recent conversation I was told that they did not have to tell me if they validated the charges- which I know is not correct - I am asking for assistance- I am not trying to get out of the money I spent just get assistance with the money that was not authorized

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 2018-02-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is not reporting an any of my trade lines and on my XXXX and XXXX it is reflecting that I was late and I was never late in XX/XX/2017. In addition they have negative trade lines that are over seven years that about 12 years and should be dropped or taken off. Which are California XXXX XXXX XXXX and 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 2018-02-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is not reporting an any of my trade lines and on my XXXX and XXXX it is reflecting that I was late and I was never late in XX/XX/2017. In addition they have negative trade lines that are over seven years that about 12 years and should be dropped or taken off. Which are California XXXX XXXX XXXX and 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 2018-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
Please show proof of the correct balance on this card. I do not have a balance on this card. Please correct the balance and update all credit bureaus of this change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: PA

Complaint narrative:
I am writing to dispute the following information in my file. I am a victim of identity theft, and did not make the charges or open these accounts. I am requesting that the item be deleted to correct my credit report. 
Enclosed are copies of a police report Please investigate these matters and delete disputed items as soon as possible. I have gone round and round with Transunion and cant get these trade lines deleted. They do not take Identity theft seriously! the accounts in question are : XXXX XXXX Account number, XXXX XXXX Account number, XXXX XXXX Account Number, XXXX XXXX card Account number and XXXX XXXX XXXX Account Number. I send numerous letter to transunion registered and not registered. I have been living with my girlfriend the last 3 to 4 years. I am a victim of the XXXX breach and others like XXXX and XXXX. Someone changed the address on my unauthorized credit cards to a hotel room in Arizona.

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 2018-02-18 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
In XX/XX/2016 I filed numerous disputes with chase auto finance, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding an account that is very old. Not only is the information they are providing incorrect, ie status, history etc, but they are ONLY reporting negative information and none of the positive info. They failed to respond to one dispute within 30 days and did nothing, sending me a letter stating that they dont need to respond to every dispute or something to that effect, and all of the other disputes were verified as accurate which they are not. Even IF, and it is not, but even IF the information was accurate, they are ONLY reporting negative info which i believe to be a violation based on information provided by this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On Saturday XX/XX/2018 I went to Best Buy to pick up XXXX security cameras. While checking out the sales man asked if I would like to sign up for a Best Buy credit card and save 10 %. Since my purchase was approximately {$1600.00}, I agreed and submitted my application. With a credit score over 820 and no debt I didnt not think it was a problem until the salesman asked if I could speak to the credit agent on the phone. The agent confirmed my salary then informed me I was denied for the no fee credit card offer but that I did quality for the gold card which had an annual fee of {$59.00}. I advised the agent that I did not want the gold card but the card that gave 10 % back at time of initial purchase. I asked how it was possible that I could qualify for a more difficult card to get but be denied for a lesser card to which he had no response. I advised that this behavior was deceptive and predatory as his intent was to deny my application, which would negatively hit my credit report, unless I signed up for the card with the annual fee. As my credit is near perfect this is abusive, harrassing, aggressive and deceptive behavior. I used my XXXX XXXX card instead for the purchase. Please contact me for additional information in order to investigate.

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 2018-02-18 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: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
In 2016 I filed numerous disputes with XXXX XXXX XXXX, Santander consumer USA, and XXXX XXXXXXXX XXXX regarding an account that is very old. Not only is the information they are providing incorrect, ie status, history etc, but they are ONLY reporting negative information and none of the positive info. They failed to respond to one dispute within 30 days and did nothing, sending me a letter stating that they dont need to respond to every dispute or something to that effect, and all of the other disputes were verified as accurate which they are not. Even IF, and it is not, but even IF the information was accurate, they are ONLY reporting negative info which i believe to be a violation based on information provided by this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried numerous times to get this alleged debt/ accounts verified in the standards following FCRA. I have filed Disputes almost every 30-45 days because Experian has failed to adhere to the laws of FCRA. All Experian says is its " verified and updated ''. I sent additional letters requesting documents that prove how they verified it and who they spoke with. But no response to those letters. As according to section 611 in FCRA, as taken a part of my letter, " by the provisions of the Fair Credit Reporting Act, Section 611, I demand that these items indicated be investigated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. I understand that under 15 U.S.C. Sec 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

With asking this information Experian sends me these kind of responses that say, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. My additional information is this document asking for proof in how Experian verified these these two accounts ( XXXX XXXX and 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 2018-02-18 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: PA

Complaint narrative:
I am writing to dispute the following information in my file. I am a victim of identity theft, and did not make the charges or open these accounts. I am requesting that the item be deleted to correct my credit report. 
Enclosed are copies of a police report Please investigate these matters and delete disputed items as soon as possible. I have gone round and round with XXXX  and cant get these trade lines deleted. They do not take Identity theft seriously! the accounts in question are : XXXX XXXX Account number, XXXX XXXX Account number, XXXX   XXXX Account Number, XXXX XXXXXXXX XXXX Account number and XXXX XXXXXXXX XXXX Account Number. I send numerous letter to XXXX   registered and not registered. I have been living with my girlfriend the last 3 to 4 years. I am a victim of the equifax breach and others like XXXX and XXXX. Someone changed the address on my unauthorized credit cards to a hotel room in Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: NV

Complaint narrative:
In 2017 I cancelled my cable subscription with XXXX XXXX. All equipment was returned and the bill was paid in full. They then said I owed them for an " early termination fee '' They refused to produce either my signature or my verbal agreement to this contract which they say I agreed to ( which I dispute ) that justified this early termination fee. I have always and still do dispute that I entered into such an agreement. Even though they refused to produce these items I requested they went on and sold this " account '' to RGS Financial ( acct # XXXX ) whom posted this collection account on my credit report.I am once again asking for : '' Debt Validation '' of this account from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had this account opened back in 2010 I only had missed one payment and the rest I made payments on time. Before I closed the account I made sure to paid in full. Its still showing up in my credit report as missed payment and its preventing me getting a good loan with my lender.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NV

Complaint narrative:
ERC had been contacted along with their client ( XXXX ) on numerous occasions in attempt to resolve this issue, but my efforts have been all but ignored and this false negative report is and has prevented me from getting the needed credit and FICO score to obtain any new credit for me personally or my business. Now this is and has been leading to ongoing losses in my business and personal life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I added an authorized user during 2017 XXXX by promotional offer for XXXX XXXX points Then I finish spending requirement but american express closed my account and did not give me XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Several of my bank accounts were Frauded and invaded several times Bank of america XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX Under my social security # XXXX the very last incident Was from XXXX XXXX XXXX XXXX Nj XXXX XXXX home owner and XXXX XXXX and XXXX son Computer programmers hackers and Scammers XXXX is a script kiddy And ring leader XXXX XXXX XXXX XXXX XXXX XXXX XXXX have switched my account from bank of america to XXXX i am a XXXX resident Of georgia and they reside in nj also hacked my atm card and transactions Along with cancelling my health insurance contact me by mail only XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX For 7hrs of continuing details in progresd.

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 2018-02-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient student loan collector calling my neighbors to contact me after I asked them to no longer call my number. XX/XX/2017, Also contacting other family members for same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: CA

Complaint narrative:
Frauding scams using XXXX  XXXX XXXX of XXXX XXXX Indiana of my birth certificate long form of XXXX XXXX XXXX XXXX XXXX XXXX frauding scams using landdelopments in MO Missouri frauding my serial numbered documents attached to my national security clearance data of VA and military documents and also hospital data Frauding scams using Land development using other states documents

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 2018-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I have not had an account with this company and has demanded " validation of Debt '' twice now. I did not enter into any contract with this company and has not received any documentation at all from them.

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