vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-28 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: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX a Lawsuit was filed against me by XXXX XXXX XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by XXXX XXXX XXXX : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office XXXX XXXX XXXX has been contacting me regarding the same account claims from XXXX XXXX XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The XXXX XXXX XXXX is who to talk to, and they are unresponsive. 
In calling XXXX XXXX XXXX they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The XXXX XXXX XXXX : Attorney XXXX XXXX or XXXX XXXX XXXX, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: TX

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX has been paid in full I am no longer responsible for this debt.

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 2018-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hunt & Henriques
State: CA

Complaint narrative:
I was set up with a payment plan to resolve my debt. I made all the payments to the creditor on time and should have ended my debt in XXXX of XXXX. 

Creditor says they did not cash a check in XXXX of XXXX. I have proof they did. 

In XX/XX/XXXX I received a notice that the creditor was going to garnish my wedges. 

I have tried to contact the creditor to resolve this issue. 

Creditor took money from my paycheck on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XX/XX/XXXX I made a large payment of {$4500.00} on my account to pay my monthly payments in advance because I was looking to have XXXX later in the year and wanted to ensure that my account was paid ahead so that I would not be delinquent. When I made the payment online, I specifically did not choose the " Principal Only '' option and schedule a regular payment using the other option. What I did not know is that Capital One Auto Finance, per their internal policies, as they have advised me, made the decision without my permission nor did they notify me that they were going to apply the {$4500.00} payment as a principal only payment. For the next few months, XXXX through XXXX, I made my regular monthly payment. When I was out of work in XXXX and XXXX for my XXXX XXXX, I did not make a payment, and in XX/XX/XXXX I started making payments again and made a large payment in XX/XX/XXXX and in XX/XX/XXXX. What I did not know is that Capital One Auto Finance reported my account with them as 30 days delinquent for the XX/XX/XXXX and XX/XX/XXXX payments which have caused damage to my and my wife 's credit report and the denial of credit because of this delinquency. I have spoken with Capital One Auto Finance, and they advised me that it is their internal policy to post payments in this manner and that even with my account being paid seven months in advance they will not remove any delinquent mark from my credit report. They said they feel the delinquent mark is accurate and they only report precise information to the credit reporting agencies. 

I have spoken with several people at Capital One Auto Finance including a young lady who was in the Office of the President. 

I am asking for your assistance in getting Capital One Auto Finance to remove this inaccurate delinquent rating from my and my wife 's credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018, I noted two checking/saving accounts and two credit card accounts, which do not belong to me, show up on my Bank of America ( BOA ) mobile App, and I have full access to these four accounts. I reported the incidence to BOA, and BOA start a claim case on these accounts and put them on hold. 

On XX/XX/2018, my own checking account was placed on hold by BOA, the two checking/saving accounts I reported was still active and I still have the full access to them through BOA mobile APP. 

On XX/XX/2018, I called BOA again and let them know they hold the wrong account and was told as the department who hold my account does not work during the weekend, they can not lift the hold. 

On XX/XX/2018, I called BOA again and I was told I have to visit a BOA location with my legal IDs. Then I visited the BOA location at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was informed by the relationship manager there that BOA wrongly merged my customer profile with anthoer customer, who shares the same name with me but lives in a different state, on XX/XX/2018. Because I called on XX/XX/2018 to report the four additional accounts in my APP, this customers account was on hold on XX/XX/2018. As a result, this customer visited one BOA branch, BOA then unhold her/his accounts, terminated my claim case under her/his name and put a hold on my account on XX/XX/2018. I provided the relationship manager at BOA XXXX XXXX location copies of my official IDs and she sent them to an analyst ( XXXX XXXX XXXX XXXX Department ) to prove that I my the legit owner of my checking account. 

On XX/XX/2018, my account was still on hold and BOA still has not separated my customer profile with the other customer, I still have full access to her/his two active BOA checking and saving accounts. I called BOA customer service again and was told though I provided all the documents and it takes XXXX business day for the analyst to review my case. 

On XX/XX/2018, my account was still on hold, I still can access the other person 's BOA checking and saving accounts, and I did not hear anything back from BOA. I was informed by my credit card company that BOA cancelled my payment I made on XX/XX/2018 ( the day I report the case to BOA ). I again called BOA customer service to follow up my case and was informed by XXXX from the billing dispute deparment at FL, they can not provide me any infomration on my case unless I go to a BOA branch.

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 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
This debt keeps popping back up on my credit report in different amounts. I am not sure if XXXX has sold it to one company who then sold it to another company and so on and so on. The debt has been satisfied a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I called Ability Recovery Services Llc, on XX/XX/XXXX because I have alerts set up concerning my credit report due to identity theft. I asked to speak with a supervisor and advised them that this isnt a valid debt and please remove this from my records. The supervisor XXXX then asked me to send proof and I did and he said he can have it removed the same day. After spending {$15.00} faxing and printing paperwork for them, I called to see if they received it and they said yes. I asked how long will it take to show as removed and he advised me to call and check at the end of the month because they report once a month. I called today XX/XX/XXXX and asked to speak with a supervisor and I explained my situation and the agent was very rude and stated that supervisors don t  just come to the phone. I called back again and got another agent who hung up on me and said they mailed me an updated bill, and then finally after calling a few times I got a professional agent who got me in touch with XXXX when the other agent stated he was out of the office. I also told XXXX that his agents arent professional and he said he will deal with that and apologized. He also stated that his client hasnt responded back yet and to call in another week. I dont feel I should have to wait this long on a fraudulent account and I never did business with either companies. This company is very unprofessional and they feel as if they dont have to follow the laws. I can say that XXXX was nice, but his whole staff needs to be re trained and they need to remove this fraudulent account immediately because its really affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: FL

Complaint narrative:
Experian refuses to investigate the following credit inquiries that don't belong to me, or did not authorized them, they told me over the phone that they will not be able to request investigation! They want me to start chasing these companies instead of them investigate them and delete them as they are the agency reporting these incorrect inquiries. 

Inquiries : XXXX XXXX ON XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2018-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX has been paid in full I am no longer responsible for this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX has been paid in full I am no longer responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: GREAT LAKES
State: MD

Complaint narrative:
I had an agreement that automatic payments were to be withdrawn the XXXX of every month. The payment was withdrawn after the XXXX resulting in the more interest being paid. 

Also, the company cancelled our agreement without proper notification and explanation of cancellation 2 years after payments had been made. They have since placed my account in default and have significantly impacted my credit standing due to an error on their part.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: KS

Complaint narrative:
I submitted a dispute to Equifax regarding an account that should not be on my credit report, as it was paid in full and agreed to be removed via the orignial creditor. This dispute was submitted at the beginning of XXXX of 2018 and has taken longer than 30 days to resolve. 

Account Name - XXXX XXXX XXXX Issue : Balance paid in full, agreed to be removed from credit report after resolved via original creditor. 
Credit Reporting Agency with dispute : Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I was trading on the Coinbase platform up until XX/XX/XXXX when I was locked out of my account. I have been restricted access to my funds since XX/XX/2017. I have called and emailed the company countless times with no resolution. I am still currently locked out of my account nearly 3 months later, and all they can say is " a specialist has to take care of that. '' They will give me no time frame and no more information than that I just have to wait. This is criminal. This is my money they are withholding from me. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently found out that I have a lot of hard inquiries on my credit report. These are not factual reports I did not give consent nor did I give them permission I put a security freeze on my account off and a security lock on my account this morning I have contacted the company I noticed I gave them my full social security number my address my phone number all of my information and they could not find any account that was opened or attempted to get open however this company indicates and shows up on my credit report on all 3 credit bureaus. I am asking that this gets removed from my credit report within 30 days or I saw seek legal action. XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX here is the second complaint. 
XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number 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 2018-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Originally the 1st year there were no problems in XXXX, however, when I recharged up my XXXX I had {$200.00} of credit in XXXX now they will not credit my account correctly to ever pay my account down. In XXXX XXXX I owed approximately {$270.00} per the statement if I paid all minimum amounts due which I have in 3 years it would be paid off. I have paid all minimum amounts due every month and on time all months since then except 2 months so only for 2 months should I have had late fees and other fees. All other months were paid 1-4 days early and no matter if I paid in the store, by mail or online directly to XXXX XXXX even if they promise to charge no more late fees still they do. So today my account is over {$820.00} on many occasions I have complained to them still they will not credit my account properly without adding all kinds of late fees and other fees. 
Then in XXXX they sent me a special notice my credit was available for {$350.00} and t go shopping for XXXX. I had not charged anything all last year. So I paid my friend to drive me & spent over an hour made sure when entering the store I had {$350.00} credit they said yes. Then they denied me since I could not find my card so I found my card they had made me put back all items so I spent another 1 hour finding my items again and then they denied me again saying my balance on my card was too high ( of course because they did not credit me properly and added on too many late fees when my payment was not late and too many other fees. Now they took my credit score from XXXX to XXXX last I checked. I am very upset over this. Can you please help me? Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-28 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: AES/PHEAA
State: IL

Complaint narrative:
On XX/XX/XXXX, I entered a complaint regarding inaccuracies on my credit report regarding student loan reporting. The compliant was closed as " Verified ''. However, there are several Fair Credit Reporting Act violations AES advised that they serviced 2 Federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX XXXX XXXX advised that they serviced 2 federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX On my credit report, there are reportings containing information that is either missing, inaccurate, or inconsistent between the 3 major bureaus. This information is in the following fields : - Balance - Last Activity date - Terms - Scheduled payment - High Balance - Account numbers ( either inaccurate or incomplete ) According to the Fair Credit Reporting Act, in order for information to stay on the credit report, it must be verified, proven, complete, accurate, and consistent with all bureaus. If any of these items aren't met, item must be deleted from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
Loan default was entered on my account on XX/XX/XXXX Due to said default, I incurred significant and  burdensome penalties of approximately {$15000.00}, not including interest, which I continue to pay off to this day. The default was entered in error as I timely requested an emergency medical forbearance prior to the date that the default occurred. 

On or about XX/XX/XXXX, I was admitted to XXXX XXXX in XXXX XXXX, California. I was struggling with XXXX and XXXX XXXX and due to my troubles, I was unemployable and unable to pay my student loans. At the time that I was admitted to the hospital, I was aware that my student loan account was near default. Therefore, after admittance to the hospital, I contacted AES to notify them of the situation. I was instructed to fill out a medical hardship signed by my doctor and send the form to them via fax. I did as instructed and sent the form to them prior to XX/XX/XXXX 

Approximately 30 days after being admitted to the hospital, I was discharged and returned home. However, when I returned home, I was notified of the default. I immediately contacted AES and was told that my request was received too late EVEN THOUGH I SENT THE REQUEST IN A TIMELY FASHION AS INSTRUCTED BY AES. The default and rehabilitation process was explained to me and although I disagreed with the result, I immediately undertook measures to start the rehabilitation process.

At the time, I did not have the strength to fight the default. It was more important to me to get healthy and resume my life. I did just that I have been XXXX  and XXXX for nearly 13 years and have been employed throughout that time period. I have made every single payment to AES. However, due to the increased financial burden and payment schedule, my debt to AES has barely decreased and every month it is a struggle to meet all of my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was set up with a payment plan to resolve my debt. I made all the payments to the creditor on time and should have ended my debt in XXXX of XXXX. 

Creditor says they did not cash a check in XXXX of XXXX. I have proof they did. 

In XX/XX/XXXX I received a notice that the creditor was going to garnish my wedges. 

I have tried to contact the creditor to resolve this issue. 

Creditor took money from my paycheck 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 explanation