vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitol One credit card opened XX/XX/2004 - I would not use this card as primary and have called capitol one multiple times. Originally from XXXX I called to close card and was persuaded by reps to not close since this was oldest opened line ( baited during college since was purple colored card ). I kept open upon their advice ( mind you was not able to upgrade card but was able to get $ XXXX credit line with rewards approved elsewhere in recent years ). 

So, I kept it opened being reassured there was no annual fee or minimum purchases required. 

I got an alert from XXXX XXXX this week that the account was closed. This WAS my oldest trade line on credit and as a result by closing made my score decrease. 

I called and spoke with supervisor XXXX who could be heard chuckling on the line while I shared my situation. He advised based on the terms and conditions received when I was in college this was ok - I NEVER received notification this would occur. If so, I would have charged {$1.00} annually however was told multiple time by CSRs at Cap 1 no need to do so!! 

Where was the notification to advise account would be closed prior to closing? Again, I would have been more than happy to charge {$1.00} to stay open. 

I want my account re-opened and re-aged to previous status - I will charge {$1.00} per year to cut thru red tape to keep. 

Also, when I attempted to contact and spoke me with supervisor XXXX I was told yes your complaint is heard and captured but there is no formal follow up procedure to which I asked so you just type it to go somewhere with no clue and he said yes- translated to me ; yes I will type your complaint so you hear key clicks but it really goes into Word doc that is deleted,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I have been a victim of Fraud with several accounts and attempts to open accounts, including store cards and services. I have disputed many times with XXXX, XXXX and XXXX so some has been fixed. There still has been one from XXXX XXXX as an inquiry which I have disputed over five times in a years time, then disputed with XXXX fifteen times in many disputes and called their customer service, spoke to a rude girl named XXXX who said she cant control what the credit bureaus report and she couldnt even find my information, then transferred me to a voice mail where I never received a response. Im still writing to them. I already submitted another request to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 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: CA

Complaint narrative:
WIth these inquiries we had never came to terms and have no debt with the lenders, Had I known the terms submitted by the lender we would have never submitted a credit application, These are the following inquiries XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on 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 2018-03-16 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: Clarity Services
State: AL

Complaint narrative:
On XX/XX/2018 a hard and soft pull was done on my XXXX  credit report by Clarity Services for XXXX XXXX. I did not solicit their services or the services of XXXX XXXX at this time and need to have this inquiry removed from my record

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: CA

Complaint narrative:
Hello, I hope this note reaches you well. I recently have been trying to borrow credit for one of my four businesses. Though, I have a bankruptcy on my account which is false. I have been trying to have this removed for some time. It has been removed from 2 credit bureau 's but still on one,  Equifax. Therefore, I am unable to do my regular business transactions now. I'd really like to borrow money for my business and only have this single issue with my credit. I could borrow in the future since I'm a reliable borrower and pay back my debt. Though this negative remark on credit report hinders me doing business. I truly am a responsible person. I would really love the help in resolving this matter as soon as possible. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department of these fraudulent accounts and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 

Also in accordance with the Fair Debt Collection Practices Act 2009, I am asking you to immediately stop all collection activities about this debt, including reporting to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of Identity theft, and can not be collected, sold or transferred. 

I have already notified American Express and have sent over all the necessary paperwork, I am also asking XXXX XXXX XXXX XXXX XXXX to do the same as stated on the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Contacted them requesting the original signed contract for 2 accounts that are errors. 

1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX DELETE ALL INFORMATION IS INACCURATE AND THEY HAVE FAILED TO DELETE OFF REPORT FOR 4 YEARS.

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 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: TX

Complaint narrative:
Since Discover card was opened in XX/XX/2009a payment protection plan was enabled on the card without my knowledge. The account has been on autopay and I did not check my monthly statements. Discover had enabled a so called payment protection plan which I was never aware of and never used. I have been charged around {$12.00} per month for 9 years. Almost {$1300.00}. I called discover when I noticed the charges and was told I could cancel the service and get one month back. I said yes cancel the service and credit me, but that one month was unacceptable  as I had never signed up for the service. Was told this is the best that can be done. I called back and asked for a supervisor who said he could credit me 6 months. I explained I never signed up. He said it was the best he could do. I plan to pursue the money owed back to me however I am able as I know that I did not sign up for this shady product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover card sent the IRS a XXXX for 2016 and neither myself or my wife had a discover card. Now the IRS is claiming we owe over {$9000.00} because we did not report the XXXX on our 2016 return. Both myself and my wife pulled all bureaus on the free annual credit report site and it proves we never had a discover card. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). I also received a letter from XXXX dated XX/XX/XXXX, that shows a " Last Payment Date or Default Date '' of XX/XX/XXXX. That is 3 different dates they've provided. On XX/XX/XXXX at XXXX PM Eastern Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX  XXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXX XXXX policies, accounts are charged-off 6 months after the date of first delinquency ( XXXX ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the XXXX according to XXXX XXXX was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new XXXX. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX PM ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the XXXX be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX, XXXX, and Transunion but I have not gotten any results. I even tried to call XXXX  again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''

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 2018-03-16 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: NJ

Complaint narrative:
On XX/XX/2018 I filed a dispute through XXXX XXXX on my Transunion credit report for a {$680.00} item from XXXX XXXX XXXX. On XX/XX/XXXX At XXXX XXXX I CALLED Trans Union and spoke to XXXX XXXX a supervisor who stated my call was routed to his location in XXXX. He asked me for my full social security number and my name and address. I felt uneasy giving this man my social security number due to all the scans that are happening with the overseas scammed. I have never been asked for my full social security number over the phone usually the last 4 digits will do. I explained to him that my investigation was due to be completed by XX/XX/XXXX and I received no notification. He stated that the investigation was completed on XX/XX/XXXX but I was never notified by email, US mail or a phone call. He said the creditor confirmed the debt and there was nothing he could do. This debt was paid and the contract between the dentist and myself was canceled. There is no avenues for a consumer to take to dispute eroneous information. The credit bureau takes the word of the creditor without any proof. I have 100 % on time payment history with my creditors. This one item is causing my score to be below XXXX. I will not pay for something that was resolved. This is a form of extortion.

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 2018-03-16 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
URGENT- Ally Financial reported 30 day late pay to all credit bureaus and now we are being declined on our home purchase a week before closing. I have contacted Ally, the Credit Bureaus and sent credit disputes with documentation to get the FALSE reporting removed. This has caused us to lose our home and now car purchase and we are desperate to get help to resolve this quickly. Outlined below are the chain of events leading to the false reporting. 

Payments due on the 30th of the month XX/XX/18 - Payment made- ( XXXX  showing late pay for XXXX ) XXXX Vehicle was STOLEN XXXX Vehicle was declared total loss by insurance and notified Ally about the payment and Gap insurance At this time Ally sent to Total loss department and no longer was able to provide me information online or over the phone about payment status XXXX Contacted Ally to verify insurance payment was made they could not assist because it was already in total loss. I asked if a payment needed to be made so it does not negatively hit my credit because I am in the middle of home purchase. They no longer had payment due showing on their end, BUT I made a payment ANYWAY in the amount of XXXX to be certain this would not affect me. They reassured me the payment would be posted the same day and I would be getting the money mailed back for overpayment after the file was closed. 
XXXX Car Payment cleared from bank ( XXXX showing late pay for XXXX XXXX Receive a credit notification my credit was negatively hit with a late pay and droped score by over 100 points I have called in tears for weeks and nobody can assit with this, I lost my home and now unable to get a car due to this reporting. I HAVE NEVER BEEN LATE AND SPENT 2 YEARS BUILDING MY CREDIT FOR THE HOME PURCHASE AND NOW MY LIFE IS RUINED, Ally reported to XXXX  last payment was XX/XX/XXXX- 30 days late pay for XXXX Ally reported to XXXX last payment was XX/XX/XXXX- 30 day late pay for 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 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/18 I received a letter in the mail from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I immediately called their XXXX number at XXXX XXXX XXXX. to dispute this debt. First person asked to verify my address. When the address didnt match up, the phone call was subsequently disconnected. I then made a second attempt. The second young lady was polite but insisted that since my address didnt match up in their system, she was not authorized to continue the call because there was nothing she could do to further verify why I received a debt collection letter. The letter shows that Transworld Systems Inc, represents XXXX XXXX XXXX XXXX, and claimed that I owed a current balance of {$230.00}. However, I nor anyone under my household has ever had an account with XXXX XXXX XXXX XXXX. I request that Transworld Systems Inc, along with their client XXXX XXXX XXXX XXXX, remove any and all information linking me and my property from their database and systems. This is the first and hopefully final step in rectifying this mistake. I will accept a letter of confirmation that this mistake has been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: NY

Complaint narrative:
XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). I also received a letter from XXXX dated XX/XX/XXXX, that shows a " Last Payment Date or Default Date '' of XX/XX/XXXX. That is 3 different dates they've provided. On XX/XX/XXXX at XXXX XXXX XXXX  Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX XXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXX XXXX policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to XXXX XXXX was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with Experian, XXXX, and XXXX but I have not gotten any results. I even tried to call Experian again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been trying to pay everything that I make to bring down my student loan amount and I have noticed most of my payments are going towards the interest rates for the past 3 years. These are the amount I have paid to interest for the past 3 years : XXXX {$13000.00} XXXX Tax Form - PDF {$0.00} Summary Statement - PDF XXXX {$46000.00} XXXX Tax Form - PDF {$0.00} Summary Statement - PDF XXXX {$35000.00} XXXX Tax Form - PDF {$0.00} Summary Statement - PDF I called them again and found out all these time they have set up my payment plan in a way that pays interest first then the balance. I don't think this is fair ... this needs to be recalculated since I have paid about {$95000.00} only in the past 3 years to interest vs. I this money have been applied to my principle my loans would have been much less now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Flagstar Bank, National Association
State: WI

Complaint narrative:
I called New York Community Bank several times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to get XXXX tax form. I gave the bank stated above my account number name, ss #, address and they said they could not give me any information about my CD. I figured out it matured in XXXX of XXXX but I never received a check for CD amount. It was a large CD at least XXXX in the account. I have several CDs and never receive information in the mail regarding my account. I think the money was turned in to the government and New York Community Bank will not get to the bottom of this. They put me on hold and told me to call WI Dept. of Revenue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Dear Sir/Madam : XX/XX/2017 someone use my account to purchase of goods and services twice that day for the amount of {$300.00} total which I did not authorize. I contact Bank of America what happen but they reject my claim right away with out any investigation. I report to them to get a new card and I report this to XXXX Police. I contact Bank of America again and again to no avail. 

I am running out option so I have to complained to Ohio Attorney General Consumer protection and they advice me to contact Consumer Financial Protection Bureau. 

I hope Bank of America to investigate that I did not authorize any body to use my card, the card is always in my wallet I never give my card to any body. 
I really appreciate in advance for your help. 

Thank you, 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