vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-01 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
When I set up this account I was n't aware of my actual due date and was under the impression that I enrolled in paperless billing. Never received email or statement which caused my account to go 30days past due. I contacted Targe t Credit Card/TD bank  and sent them a letter in order to resolve this. I even emailed CEO this is unfair on my behalf. I 've paid my account in full and that was the 1st and only late payment with them. My account is current and the late payment need to be updated/ forgiven this was an error on their behalf. They are negligent in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: OH

Complaint narrative:
I had two accounts one a secured card with a {$250.00} credit limit this card had three returns from my bank, and two payments that was 30 days late. The rest of my payments on this account was paid on the due date or before and I always pay extra. My second card was a Quicksilver card with a {$500.00} credit limit. This account has only had one payment that was 2 days past my due date. Before I received my first statement for my Quicksilver card I was turned into the fraud department. I was told that due to my missed payments I needed to show proof from the bank that this was not my fault. My bank faxed in the documentation showing that it was the banks fault and the bank corrected those payments within days of being rejected. I then received a phone call from the executive office stating thank you for sending in the documentation that we have asked for after review of your account it has been determined that your account will be reactivated this was 7 months ago. Every time I call I have been told that I have to have the bank re fax the documentation and that my account has been closed. Also every time I have called to discuss the situation with Capital One I am advised to apply for a credit card because my payment history shows that I pay on time and more than what is due. I have reapplied as they stated 5 times and every time I get denied. On my credit report it shows both accounts closed by creditor but just this month my Quicksilver credit limit has been raised from {$500.00} to {$750.00}. I have all of my statements showing my payments that was made with the amounts and the dates that I paid my bill. I no longer Bank with XXXX XXXX who is at fault for the three rejected but corrected transactions. I have asked several times to have them look into this situation. I do n't understand why Capital One would take the time to call me and leave me a message stating that my account would be reactivated if they never intended to unrestrict my account. As well as trying to understand what it is that I did wrong, not only does this look bad on my credit showing closed by creditor but it also makes me look bad in the eyes of the company. When it was already proven that I was not at fault for the banks rejection for possible duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX  has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with  XXXX . After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a toyota account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see it.

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 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX  has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with  XXXX . After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a  XXXX  account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX  has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with  XXXX . After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a  XXXX  account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see it.

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 2017-06-01 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: SC

Complaint narrative:
Good evening, after reviewing my credit report since  XXXX   XXXX  to present. I noticed a few discrepancies. I have contacted Transunion on numerous occasions via certified mail, phone calls, faxes, etc. and to this day, they have disregarded my requests. I have made contac t  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . Each time Transunion either sends me their generic letter that states that  a company does n't have to have your permission to pull your credit. Or that I need to contact the actual creditor. I have sent letters to those companies and called and the creditors exact words are " Unfortunately, we are unable to assist you b/c you do n't have an active account with us '' " what you should do is dispute this with the credit bureaus. Can you imagine my frustration? Numerous unauthorized inquiries is making it very difficult for me to acquire credit as I 'm looking to purchase a home for my family and I. Most of the inquiries listed on my TU report pertain to auto loans, I do n't have a need for a auto loan nor am I searching for a vehicle. These inquiries were performed under false pretenses. The inquiries are fraudulent and I 'd like to have them deleted immediately. I know my rights as a consumer and again this is becoming more frustrating each day. I have no knowledge of these inquiries and I am requesting that they be deleted and removed immediately. Your attention to this matter is much needed, thank you!     I will also submit a complaint for another reporting agency known as  XXXX  as they are giving me a hard time as well.  XXXX  is the only company that has helped me in removing inquiries.      XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/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 non-monetary relief
Consumer complaint received 2017-06-01 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: FL

Complaint narrative:
All   XXXX   credit bureaus are keeping very old information on my credit reports always keeping my score down because the either do not remove them when have reached there time frame to be deleted or the repeatly show on report as if the where new.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: NV

Complaint narrative:
My husband and I were involved in a personal Chapter  XXXX  bankruptcy case in  XXXX . The case continued for several years and was successfully closed on  XXXX   XXXX ,  XXXX .   We sent copies of the final order closing the case to all  XXXX  Credit reporting agencies ..Experian,  XXXX , and  XXXX .     We hired a credit repair service to work with all the agencies and creditors that had incorrect information. Most responded and after working very hard for several years, we saw major improvement in our credit scores from all  XXXX  agencies.      XXXX  has corrected my status to show that the Bankruptcy is closed, Experian and  XXXX  still show me as in an active/open bankruptcy.     I am attaching the order from the US bankruptcy court officially closing the bankruptcy

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 2017-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
ALLY Bank  has refused to release a lein on a home equity line of credit that was included in the bankruptcy. This lein is on the title and is not valid.     I need support in removing this lein.     Account  Number  :  XXXX  Please call or email anytime.   Mobile :  XXXX  email :  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 2017-06-01 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In  XXXX  of  XXXX , I paid off thi s Amazon Store ca rd. 2 months after I paid it off, there were re-occurring charges that started. My statements come in my email, but I did not feel the need to check them as I had paid the account off. I received a paper statement in  XXXX  and sure enough, they also reported me 30 days late in  XXXX   XXXX . I called, they refunded the charges, but refused to remove the reporting. I did not push the issue, lesson learned, do n't trust this bank. Again in  XXXX , I paid this account off  (   XXXX   XXXX  ). No need to check my statements, I did not make any other charges that needed to be paid. Again, paper statement received in  XXXX , I received a paper statement and again, this bank reported me 30 days late. I called Syncrony Bank, I called Amazon. They waived {$20.00} and refused to do anything else. I disputed with  XXXX  and received a letter dated  XX/XX/XXXX  that all was reported correctly, no proof, nothing. I closed the account and disputed with AMazon and Synchrony again.  XXXX   XXXX , now they are reporting me 60 days late. I just called and their collection department waived {$53.00} in fees and I paid the stupid {$21.00} balance that I DID NOT OWE because I feel like my credit  score is being held hostage at  this point. Again, they say they will enter a dispute and research will take 30 days. To my surprise, I see an article today on  XXXX   XXXX  about Amazon and their re-occurring charges. It seems I am not the only one in this nightmare. I want ALL of the negative credit reporting from this bank removed from my credit report. This is unfair - how do I know to pay something that I DO N'T know is there because I paid the account off  XXXX  balance!!

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 2017-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All   XXXX   credit bureaus are keeping very old information on my credit reports always keeping my score down because the either do not remove them when have reached there time frame to be deleted or the repeatly show on report as if the where new.

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 2017-06-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All  XXXX  credit bureaus are keeping very old information on my credit reports always keeping my score down because the either do not remove them when have reached there time frame to be deleted or the repeatly show on report as if the where new.

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 2017-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: NY

Complaint narrative:
I RECEIVED AN ALERT VIA MY CREDIT MONITORING, THAT I HAVE A NEW DEBT WIT H TEK COLLECT, INC. TH EY NEVER GAVE ME NOTICE OF THIS DEBT. INFORMING ME OF MY RIGHT TO DISPUTE THIS DEBT OR WHAT THIS DEBT IS FOR. I HAVE MAILED THEM CORRESPONDENCE STATING THIS WITH THE EXPECTATION OF A PROMPT DELETION SINCE THEY ARE IN DIRECT VIOLATION OF FCRA. I DO NOT ACKNOWLEDGE THIS DEBT NOR DO I KNOW WHAT THIS ALLEGED DEBT IS FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One states I owe therm {$420.00} on a credit card that they state I opened in  XX/2014 . Which could not happen being, i lost my job in  XX/2014 .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a Victim of ID Theft and I am very concerned with Experian and knowing that I filled a police report about all of the inquiries that Experian allowed on my credit file, over  XXXX  inquiries that interfered with my credit file and companies requesting my information. I sent a police report before to Experian and my score is the lowest with this company. It is around  XXXX  and I want to know why, I am asking for my credit file to be updated and investigated and my credit file adjusted.

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 2017-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My  XXXX  credit credit card account which was in good standing has been closed since    2011. I want it removed from my credit reports. When I applied for a credit card limit increase I was originally denied because of the   XXXX   credit card account on my credit reports even though it was closed since 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My  XXXX  credit credit card account which was in good standing has been closed since    2011. I want it removed from my credit reports. When I applied for a credit card limit increase I was originally denied because of the  XXXX  credit card account on my credit reports even though it was closed since 2011.

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 2017-06-01 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: NV

Complaint narrative:
My husband and I were involved in a personal Chapter  XXXX  bankruptcy case in  XXXX . The case continued for several years and was successfully closed on  XXXX   XXXX ,  XXXX .   We sent copies of the final order closing the case to all  XXXX  Credit reporting agencies .. XXXX ,  XXXX , and Transunion.     We hired a credit repair service to work with all the agencies and creditors that had incorrect information. Most responded and after working very hard for several years, we saw major improvement in our credit scores from all  XXXX  agencies.      XXXX  has corrected my status to show that the Bankruptcy is closed,   XXXX   and Transunion still show me as in an active/open bankruptcy.     I am attaching the order from the US bankruptcy court officially closing the bankruptcy

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 2017-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a checking and a saving account with  Santander  Bank in  XXXX   2017 . AT the time, they were offering a bonus of {$220.00} for anyone who can satisfy a list of requirements.     - Direct deposit total over {$500.00} - Account open for 90 days - Bonus pay out within 30 days After the account was open, they gave me a direct deposit instruction so I can pass it to my company, but unbeknownst to me the instruction was to transfer money into my saving. Because of that, they are denying me my bonus after 90 days and after fulfilled the other requirements.

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