vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 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: NY

Complaint narrative:
Two complaints for the same reason for two different credit card as listed below : -Capital One Credit Card : Date Opened on XX/XX/XXXX. Account Status : CLOSED XX/XX/XXXX. RE : Account Ending in XXXX -Capital One Credit Card : Date Opened on XX/XX/XXXX. Account Status : CLOSED XXXX XXXX RE : Account Ending in XXXX Actions : Account was closed at credit grantor 's request. Account was closed for no specific reason listed in terms and conditions. Closure resulted in negative remark on my credit report. Both cards were in good standing XXXX, XXXX, and current. I continue to pay a closed card and have not strayed away from my debt obligation with Capital One. However, this card was closed with no specific reasons. I filed a grievance with Capital One and all they can say is that it was an 'internal decision ' and they reserve the right to close the account. Fine! I can deal with that however they should not have the right to negatively impact my credit worthiness especially if I am paying on time and no derogatory remarks on my credit profile were ever listed by Capital One, not a 30, 60, or 90 remark since XXXX. My complaint is that I should not be held in a negative light since I have been making consistent payments to both cards and even paid off one card and I am continuing to pay more than minimum on the last card to bring down the balance to XXXX. Based on the FCRA, I feel that my right ( s ) has been violated.

**Attachment** XXXX Credit Report requested on XX/XX/XXXX | Highlighting Capital One Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have submitted three letters to trans union and XXXX stating that information on the bankruptcy on my account was incorrect and needs to be removed immediately according to the fair credit reporting act. 

XXXX has removed the inaccurate bankruptcy after my second attempt but not trans union nor XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: LEXISNEXIS
State: GA

Complaint narrative:
Since LexisNexis is a 3rd party consumer they have to gather their information from public documents. XX/XX/XXXX, The XXXX Georgia Bankruptcy court informed me they do NOT grant access to private information to 3rd party credit companies or reporting agencies. Bankruptcies include full social security  information and the XXXX  site does not provide a full social to use as a verification method. The bankruptcy LexisNexis is reporting has been disputed NUMEROUS time with all 3 credit reporting agencies over the course of 4 1/2 years, since XXXX. LexisNexis is reporting a bankruptcy that never stood before a judge. I never made/set up payments on a chapter XXXX bankruptcy. I have no knowledge of a bankruptcy that took place and finalized. XXXX, XXXX  and XXXX state they use LexisNexis to validate all public records such as foreclosures, tax liens and bankruptcies. LexisNexis is providing false information they can't provide me insight on if it's inaccurate and non-existing. I requested a full disclosure of my information they have on file to dispute with them directly but since this is a 4 1/2 year old issue I haven't had any break through on I'm taking this route. This inaccurate information not only violates the FCRA, but has cost my score to drop 150 pts since the day it appeared on my credit. Has made me have to have criminal interest rates, denials for apartments/homes, has made my life harder for an error on someone else 's part. I want documents of verification on the bankruptcy they're reporting belongs to me with my full social, not partial, wet-ink signatures not electronic, and proof I paid on one at some point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I pulled my credit report and saw inquiry on my report that I had question about I sent the letter to credit bureau to validate or please remove if they can not provide proof to please remove they said they can not dispute or remove that it can not be done I told them due to fair reporting credit act section 1681 that if the can not validate it has to be remove they told me that it was not possible to remove I talk to the supervisor but did not want to help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: HI

Complaint narrative:
I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I understand that inquiries stay on your credit file for 2 yrs, however the credit reporting agency has to understand that these inquiries I have no knowledge of therefore they are inaccurately placed on my report so Im demanding that they be removed from my credit files immediately, the following inquiries are : 1 ) XXXX XXXX  XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I have submitted three letters to XXXX XXXX and equifax stating that information on the bankruptcy on my account was incorrect and needs to be removed immediately according to the fair credit reporting act. 

XXXX has removed the inaccurate bankruptcy after my second attempt but not XXXX XXXX nor equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX applied for two XXXX visas for my wife and me on XX/XX/2019 without our signatures and prior authorization and approval. This transaction is not valid because we did not consent for them to apply visas for us because we had valid visas in our possession that which XXXX staff was informed. Prior to re-boarding of the ship there was no checking of visas to enter XXXX and XXXX in order to determine whether a passenger is allowed to board or not in order to determine if passenger can continue to sail. We were aware of the visa requirement that's way we applied on-line for a XXXX   e.visa no. XXXX and no. XXXX, paid {$36.00} per visa on XX/XX/2019. 
Please note that on XX/XX/2019 XXXX charged us {$170.00} but upon our protest the charge was refunded on the same day as shown in the invoice or statement account of disembarkation. Hence this visa service was cancelled properly. Clearly the recharging of the same amount on XX/XX/2019, the day before disembarkation, is not valid and not authorized. This charge was disputed and protested on the same day it was posted on my account but no official action was taken then. Why was the charge posted on the day before departure? 

The disputed amount of {$170.00} is a charge that is not authorized in any manner. Without our permission to apply for a visa and without our signatures, no person or company can use my credit card without my signature or authorization as contained in the credit card agreements. 

Bank of America erroneously sided with XXXX that is why I am seeking your assistance.

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 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
We are Chase Bank customers. 

On XX/XX/2019, between XXXX-XXXX XXXX, I attempted to withdraw {$2300.00} from the ATM located in the Chase Bank branch located at XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , Washington . After the receipt prompt, the ATM screen abruptly changed. I did not receive a receipt. ( I do not remember what the following screen stated. ) The cash dispensing panel did not open nor did the ATM dispense any cash, I removed my debit card from the ATM and walked to the counter and told a teller that the ATM did not dispense cash during my transaction. The teller asked if I needed help and she walked me through the steps at the ATM but the ATM stated that the amount I was withdrawing exceeded the withdrawal limit. The teller checked my account and could not determine the cash limit I was permitted to withdraw from a Chase ATM and she was puzzled because the cash withdrawal limit is normally {$3000.00}. So, I withdrew {$2300.00} at the counter with the teller, not knowing that the ATM had debited my account {$2300.00} for cash I did NOT receive. 

On XX/XX/XXXX, my husband checked our account and noticed that we had TWO {$2300.00} cash withdrawals. He called the claims department and they stated that it would investigate it within 10 days. Ten days! It turns out that the ten days must be business days because one claims department employee stated that Chase Bank has until XX/XX/XXXX to investigate. Our mortgage is due tomorrow and we do not have funds to cover it because of Chase Bank 's error. 

Both my husband and I have called several times today, XX/XX/XXXX, to determine if we will be credited OUR money back to the account or charged for insufficient funds due to Chase Bank 's error. We also talked to a teller this morning at the XXXX XXXX branch and he stated he could not do anything to help us. We have been given conflicting answers about possible charges for insufficient funds due to Chase Bank taking our money and thus lowering account balance. We are under much stress worrying about damage to our credit rating, paying bills, receiving our money back, and charges for insufficient funds. This error was not our fault, except we trusted Chase Bank. 

Ten business days is a long time to sit and wait for an investigation when bills have to be paid. This is OUR money that was taken from us from Chase Bank. I feel this is stealing not only our money but our credit rating and peace-of-mind. We are not being helped by Chase Bank in expeditiously resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I understand that inquiries stay on your credit file for 2 yrs, however the credit reporting agency has to understand that these inquiries I have no knowledge of therefore they are inaccurately placed on my report so Im demanding that they be removed from my credit files immediately, the following inquiries are : 1 )  XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I use PayPal as a method of payment with my XXXX Shop - I sell vape cartridges. I have plenty of positive feedback and nothing I do is illegal - I'm only selling a part to those that want to purchase it. I had ( 4 ) Returns that must've sparked something at XXXX ( customer trends perhaps ) - but PayPal has been illegally holding my money ( {$1900.00} since before XX/XX/XXXX ) - they have limited my account ( can not do anything - especially take the money ) - Reference ID : XXXX. 

I have tried to explain that I have NOT violated any terms of their user agreement ( which they reference ). 

I have done nothing to deserve " You Can't Use PayPal Anymore '' message. 

And Holding my money for 6 months??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I pulled my credit report and saw inquiry on my report that I had question about I sent the letter to credit bureau to validate or please remove if they can not provide proof to please remove they said they can not dispute or remove that it can not be done I told them due to fair reporting credit act section 1681 that if the can not validate it has to be remove they told me that it was not possible to remove I talk to the supervisor but did not want to help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm a single Father and i attempted to finance a home for me and my family and i could not because of my credit. That inspired me to check my credit report and I saw a lot of fraudulent items I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm a Single Father and i attempted to finance a home for me and my family and i could not because of my credit. That inspired me to check my credit and i saw a lot of fraudulent items I did not authorize.

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 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: IN

Complaint narrative:
Im sending this email because Ive had multiple cases of failed background checks through your company ( First Advantage ) over the past couple months, even though my record has been expunged so Im sending you these documents to make sure that youre company is aware of my expungement and your records are accurately reflecting of my legal background.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: OH

Complaint narrative:
There is no sufficient information to support Transunion claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... I was never late paying 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 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a bank of America small business credit card that I had requested to close. However it was not never processed and the bank charged me the annual fee and late payment fee for XXXX ( from XX/XX/XXXX till XX/XX/XXXX ). I was out of USA during this period and once I returned I visited the branch in XXXX CA multiple times to get this resolved. I was told the charges will be removed but never got these removed so far. Hence I am raising the complain.

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 2019-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Have done forbearance and other forms of trying to get my payments under control for the last 16 years. I am trying to just make my payments normal and be a normal adult who can maybe have a future

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: TN

Complaint narrative:
Experian reported a collection account. I contacted them to open a dispute. I contacted the company reporting the collection. Neither the collection agency, nor the original debt holder have any information on me in their system, yet Experian maintains the erroneous information after their 'dispute ' resolution. 
This is not my account, yet all of my real accounts are being affected by this drop in my credit score.

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 2019-06-05 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: OH

Complaint narrative:
I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX, ( Original Creditor : ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: OH

Complaint narrative:
I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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 2019-06-05 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: DISCOVER BANK
State: PA

Complaint narrative:
The following companies pulled my credit without my consent. I have no knowledge of these inquiries. I am to receive a call from any company before pulling my report. Please assist in removing Information XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX  Inquiry : XXXX XXXX, XXXX Travel/Entertainm DISCOVER BANK  XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX 4

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The following companies pulled my credit without my consent. I have no knowledge of these inquiries. I am to receive a call from any company before pulling my report. Please assist in removing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX CAPITAL ONE BANK USA NA Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief