vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I opened a credit card account with my bank, USAA, in XX/XX/XXXX. After using the account for approximately two years, I paid the balance due in full ( approx. {$1400.00} ) and requested the account be closed, shredding the card in my possession. Much to my surprise, approx. two years later in XX/XX/XXXX, USAA used the very same credit account to cover an overdraft on my checking account. Unaware that the credit account was even open, the amount due on the supposedly closed account began to become past due and collect interest. This continued for many months and I was not notified. Finally, some 10 months past due, as I was applying for a home loan, the past due account was brought to my attention, and although upset that the account was even open to begin with, I promptly paid the full amount and requested the account be closed, yet again. With a stellar credit history besides this mishap, USAA has refused to accept responsibility for dropping the ball and failing to close my credit account in XX/XX/XXXX, resulting in the one and only blemish on my stellar credit history. Not only have they refused to correct their mistake, or refund late fees as a courtesy, they have also not removed their negative report on my credit history, caused by their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: CA

Complaint narrative:
I received a notice in XX/XX/2019 that my account would be closed due to inactivity. I requested a new card at the end of XX/XX/XXXX, but never received it. My account was subsequently closed in XX/XX/XXXX. I have never had a late payment on the card, my balance was XXXX, and I have had the account for over 15 years. When I realized the account had been closed, I immediately contact capital one, within days, ( even thought I wasn't notified of the official closure ). They said they would review my request to reopen and then mail me a letter in 7-10 business days with the decision. I never received the letter. I called on XX/XX/XXXX and was informed that they made the decision not to reopen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NJ

Complaint narrative:
Credco did a unauthorized hard inquiry of my XXXX  and XXXX   credit report on XX/XX/2019 and another random unauthorized hard inquiry on XX/XX/2019. I want to dispute these hard inquiries and have them removed from my credit report and updated.

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 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
To whom it may Concern, Before i XXXX  from the XXXX, back in XX/XX/XXXX, I thought i was in good shape to purchase my first home using my VA Certification of Eligibility ( COA ) that allows Military Members and Veteran to receive loans for the purposes of purchasing a home. I was guided towards the following Company : XXXX XXXX XXXX XXXX to start my first home buying process. XXXX XXXX XXXX XXXX ran my credit through the following Company. On XX/XX/XXXX. I contacted Equifax Mortgage Service in regards to the following Hard Inquires i was ensured that the following Hard inquires would fall off of my credit report and if not to please call Equifax Mortgage Service back to have it removed from my credit report. on today 's date : XXXX XX/XX/XXXX, I contacted the following Business entity 's again inquiring that the following hard inquires be removed per Credit reporting law without any action from either company as named Below. All i want is for the following Hard Inquires to be removed accordance with the Credit report laws. Please Help. 

Thank you * Equifax Credit Bureau * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ( information on Credit Report ) Companies will not remove : EQUIFAX MORTGAGE SERVICE Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email EQUIFAX MORTGAGE SERVICE Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
To whom it may Concern, Before i XXXX  from the XXXX, back in XXXX, I thought i was in good shape to purchase my first home using my VA Certification of Eligibility ( COA ) that allows Military Members and Veteran to receive loans for the purposes of purchasing a home. I was guided towards the following Company : XXXX XXXX XXXX XXXX to start my first home buying process. XXXX XXXX XXXX XXXX ran my credit through the following Company. On XX/XX/XXXX. I contacted Equifax Mortgage Service in regards to the following Hard Inquires i was ensured that the following Hard inquires would fall off of my credit report and if not to please call Equifax Mortgage Service back to have it removed from my credit report. on today 's date : XXXX XX/XX/XXXX, I contacted the following Business entity 's again inquiring that the following hard inquires be removed per Credit reporting law without any action from either company as named Below. All i want is for the following Hard Inquires to be removed accordance with the Credit report laws. Please Help. 

Thank you * Equifax Credit Bureau * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ( information on Credit Report ) Companies will not remove : EQUIFAX MORTGAGE SERVICE Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email EQUIFAX MORTGAGE SERVICE Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: UT

Complaint narrative:
Sent in XXXX tickets and they would not respond back until weeks after. 

I was scheduled for biweekly pymts and was told that my payments that were due on XX/XX/19 and XX/XX/19 did not clear. Spoke with my bank and they advised that my debit card was never processed by moneylion on XX/XX/19 or XX/XX/19. I worked for MoneyLion and I got a direct deposit from them on XX/XX/19 and they said my loan payment did not clear. It shows as a missed payment in their system because they never ran my authorized debit card on either days. Come to find out, they ran my debit card on an unauthorized date ( XX/XX/19 ) of {$19.00} to where the payment did clear and now they have no clue where that payment is. FIrst of all, I never gave authorization to run my debit on Monday, XX/XX/19. Just the authorized biweekly, fridays on the loan agreement. MoneyLion had my authorization to run my debit card biweekly fridays. For some reason, they stopped running my debit card and decided to report to the credit bureaus as delinquent. I never revoked my payment method and always made my pymts on time when scheduled to. MoneyLion breached their own contract by not running my debit card that I did gave authorization to, since XX/XX/2019 and just now contacting me stating that my loan is in collections. Not one email or phone call regarding a missed payment. I had to find out by the credit bureaus that my account was past due just the end of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I received a notification today that a collection was added to my credit report in the amount of {$190.00} for RS Clark Associate. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: CA

Complaint narrative:
There is a bankruptcy incorrect showing on my consumer report with Equifax. I have called the court listed on the report, and they are not able to verify this information. On XX/XX/2019 I sent a dispute with them. They sent me a response dated XX/XX/2019 that says they found the information through XXXX. This is invalid data, because I placed a security freeze on my XXXX file on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: BMW Financial Services NA, LLC
State: NE

Complaint narrative:
My complaint is against BMW FIANANCIAL SERVICES NA LLC Account # XXXX. Back on XX/XX/2019 I sent the mentioned company a letter to investigate a 30-day late payment that occurred back on XX/XX/2019. I my make payments through XXXX XXXX, XXXX. XXXX XXXX, XXXX states that the payment initiate in XX/XX/XXXX and received by BMW. I sent BMW my dispute letter, the letter from XXXX XXXX XXXX with details of transaction, I sent BMW every proof they asked me to send them and they still havent removed the negative mark, knowing that it was their negligence. This is my last resource to try and reason BMW that this was not my fault. If my negative mark is not removed from all 3 reports, I will take this to a federal court for negligence, unfair business practice, breach of contract, never received any type of indication I was going to be late and when I seat down with my lawyers the violations will just multiply. This has me emotionally stressed, mentally absorbed this company is financially torturing me in every aspect. Im attaching all documentation I sent them and you can also contact XXXX XXXX, XXXX so if BMW has to contact them for whatever reason they will be able to respond to any questions. I request a deletion letter once this error is taken care, so I can provide to my mortgage company. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PlusFour, Inc
State: NV

Complaint narrative:
I had a debt that accidentally went to collections in the amount of {$50.00}. The dispute was listed on my credit and that's the first I was notified, so I paid it with the healthcare provider immediately. Unknowingly, this did not get reported to the debt collection agency, Plus Four Inc. Upon finding this out, I reached out to them directly and they attempted to collect my " debt '' again in the amount of {$50.00}. So now I have paid the debt twice, when I called to remove the second charge with proof I paid it the first time, the employees at plus four refused to work with me. They began hanging up the phone, ignoring my phone calls, leaving me on hold for hours with no intention of answering the phone, refusing to allow me to speak to a supervisor claiming there were none there and REFUSING to admit payment had been made despite correspondence multiple times over multiple days from XXXX XXXX XXXX. I reached out to XXXX XXXX numerous times until I reached a supervisor and she called directly for me. Still, plus four is refusing to remove the debt and it keeps escalating each month as if it has been unpaid, despite being paid twice. They refuse to simply reach out to XXXX XXXX to show that the amount has been paid and will only accept payment proof in person and/or standard mail. I have been treated like I am a criminal over {$50.00} I was unaware of, paid immediately and then paid immediately again to resolve the issue. This company does not want people to resolve their debt and they will seemingly do ANYTHING to not allow people to resolve their issues with them. Ignoring phone calls and hanging up on people is a violation of the Fair Debt Collection Agencies Act, as I have the right to speak to them when necessary and they are preventing me from resolving my issue ... Literally. It is also a violation to force or coerce people into paying a debt, whereas they knowingly took payment for a debt that was already collected all whilst refusing that they received notification of payment, which they have three times now. They should be shut down or thouroghly investigated for their practices and the way that they have taken it upon themselves to treat people who are good citizens TRYING to do the right thing.

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 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX I was unknowingly being subjected to a {$19.00} monthly charge that I was deceptively enrolled into. I did not use the service at all in this time ( my only logon was today when I searched for how to cancel my account ). this is consistent with the deceptive behavior TransUnion has already been found responsible for : " In their advertising, TransUnion and XXXX   falsely claimed that their credit scores and credit-related products were free. This billing structure, known as a negative option, was not clearly and conspicuously disclosed to consumers. ''

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 2019-12-17 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
I received a notification today that a collection was added to my credit report in the amount of {$1400.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-17 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
I received a notification today that a collection was added to my credit report in the amount of {$440.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Two years ago on XX/XX/XXXX I went to Home Depot here in XXXX, the XXXX store looking to purchase flooring. Although it was XXXX XXXX this item was not a XXXX XXXX sake item. It was a regular purchase with a 24 month deferred interest promotion that Home Depot has fraudulently scammed with Citibank to automatically add to your account without asking If you want it and without your knowledge or consent on purchases over {$200.00}. Even if you decline in lieu of a 10 % discount Citibank and Home Depot add  it without you consent. 

I found the flooring I wanted, the sales person 's name was XXXX. ( I have the original paperwork and sales receipt ). They had a 24 month deferred interest promotion. I told the salesperson I did not want the promotion in case it couldn't be paid off in 24 months instead I asked for a 10 % off discount. XXXX called Citibank while in my presence and was told it had to be done at the time the purchase was rang up. XXXX then called the person who was the store manager at the time and was told to give me the discount and gave her instructions, she said to ring the purchase up. We went to the front of the store to customer service and she rang the sale up herself and I was assured the promotion would not be applied. 

I have been making payments on my account for two years thinking I was paying the interest along with the purchase month to month only to find out two days ago on XX/XX/XXXX. I received my new statement Saturday XX/XX/XXXX due XX/XX/XXXX. Two years back interest has been applied along with additional over the limit fees in the amount of {$1100.00}. ( statement attached ) I called Citibank Monday, XX/XX/XXXX and was told too bad the promotion was applied anyway without my knowledge or consent and you have to pay off $ 2100+ for the flooring before the interest and any other fees are removed. They said to call the store it was suppose to be taken off at the time of sale which I thought it was and the store us responsible. 

I called the store XX/XX/XXXX and spoke with the Store Manager, XXXX, and took her a copy of the original purchase documents ( attached ) I was told Home Depot had no control over the promotions they belong to Citibank although I was given the discount in lieu of the promotion by Home Depot and it was their responsibility to make sure the promotion was not added to my account at the time of sale. This is a scam Home Depot and Citibank run on their customers to obtain more money for the additional fees and interest on interest can be applied. When researching there are hundreds of lawsuits filed against Home Depot and Citibank for this type of deceptive trade practices.

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 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a bankruptcy incorrectly showing on my consumer report with Experian. The court listed on the report does not exist. I have called the courts in my city, they are not able to verify this information. On XX/XX/2019 I sent a dispute with them. They sent me a response dated XX/XX/2019 that says they found the information through XXXX. This is invalid data, bc I placed a security freeze on my XXXX file on XX/XX/2019.

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