vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One marked by account as 'restricted ', I can no longer make purchases or access my {$1600.00} in cash back. I have spoken with them numerous times over the last 3 months and provided countless requested documents. Every time I submit the requested documents they come up with something else that they need or state that a document I sent in previously is now expired. I have gone as far as getting a new social security card because they stated the 'wording ' on my original one ( from XX/XX/XXXX ) was wrong! The last time I spoke with their customer service they stated that I can close my card at any time almost as if that's what they wanted me to do. I have a {$25000.00} limit on this card with a low interest rate and good cash back program so this is the last thing I want. The cash back amount I have received the last few years is 3-4 times the amount in interest that I have paid which leads me to believe that they're simply doing this because I am not a 'profitable ' customer to them. During this whole process I am unable to use my card or redeem my cash back while they collect interest on roughly {$6000.00}. Since XX/XX/XXXX I have only made the minimum payment due. I will not pay this amount off in full until they at least release the cash back earned so that I can apply it to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I requested the method of verification you used to determine the items I was disputing were accurate. I specifically asked what certified documents were reviewed to conclude the investigation and to provide me a complete copy of all the information that was transmitted to the data furnisher as part of the investigation as required by the FCRA. You claim that you have verified the items I requested an investigation of, so I legally requested a copy of the procedures and documents you used to verify the information by certified letter return receipt # XXXX. Experian received and accepted my letter through registered mail dated XX/XX/XXXX. To date you have not responded to this request and have not provided me with any information on the method of verification used in your investigation and have thus not performed your duty mentioned in the law. I expect an actual verification method other than the XXXX used to determine the accuracy of my information. Your companys response to my complaint with the Consumer Financial Protection Bureau is nothing more than the legal disclaimer you are required to submit to consumers by law and not an actual answer. My next action is to file an actual lawsuit against Experian with my attorney if my original request from XX/XX/XXXXis not honored.

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 2018-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
In XX/XX/XXXXI sent a debt validation letter to XXXX XXXX XXXX. I asked them for proof that They were bonded to collect debt in the state of Texas and validation of this account. They sent me a bill. They did not send validation of said account. I then contacted the Texas Secretary of State. They verified that XXXX XXXX XXXX is not bonded to collect debt in this state. Texas Section 392.101 prohibits third party debt collectors from engaging in debt collection unless they have obtained a surety bond and filed a copy with the Office of the Secretary of state. XXXX   has has not done this. XXXX XXXX XXXX are in clear violation of Section 392.101

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 2018-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This complaint is in regards to a charge-off from Capital One. Capital One has been using extremely unfair practices in credit reporting. My charge-off initially started with one account number ; for some odd reason the account number was transferred and a new account was created with the same information. So, I actually had 2 accounts dinging me with the same exact information. I had to call Capital One MANY times to figure out what was going on and it took me MONTHS to have the duplicate account removed! Starting in XX/XX/XXXX up until XX/XX/XXXX I had started making payments to XXXX XXXX XXXX XXXX XXXX on my charge-off account every single month. The balance on my account had never went down. My original balance was {$3100.00}. Month after month, I was making payments with no decrease in the balance on my credit report. After some time I had filed a dispute on the account with the credit bureaus becuase the information reporting was incorrect. Capital One came back and reported that the information was correct and met FCRA requirements. Which it did not. Later, they sent me a letter in the mail, which I saved as proof of their unfair practices, that the information that was reported was incorrect and that they had fixed the issue. So they lied to the credit bureaus? Finally, my balance was updated after making 13 months worth of payments to {$290.00}. Well, this wasn't the end of it. After I had made my last payment in XX/XX/XXXX, Capital One went back and updated my balance back to the {$3100.00} and the status showed updated on XX/XX/XXXX! What are they doing? I called many times and spoke with the executive office and was promised returned phone calls which I never received, and when I did get a call back I was often put off or told to wait a few more days. I finally just gave up. I pulled my most recent copy of my XXXX report just as evidence of their fraudulent reporting should they try to cover up their mistake. Even more, when I had made my last payment, they said it would take a month to furnish me with a receipt and confirmation that my account was paid in full. They refused to email me a copy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello, I use a fifth third bank account. I use the autopay through my bank ; where every month I go in and set the date of when I would like a check to be sent out automatically through the online portal. 

I had set that the XXXX my landlord would get a check through the online portal for {$370.00}. I canceled that check-called my bank and explained why I was canceling that check because my landlord turned off my water without telling me as I was living in the house. I had no water for a week- causing me to move out and find a new home in a day. 

My bank told me onXX/XX/XXXX when I went to cancel the check that I had more than enough time- that the bank was pulling the check from my account and not to worry about it and that my landlord would not get the check. 

XX/XX/XXXX- the check posted and now my bank will not help me at all causing my account to bounce.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX XX/XX/XXXX Information on Former or Current Employers missing or current Employers not showing. I have uploaded a current XXXX from 2 Employers as proof. 1 not showing and others missing in the past correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Current since XXXX XXXX XXXX  XXXX Current XXXX XXXX XXXX Current XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX Past XXXX  XXXX XXXX Past XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX Past Position : 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 non-monetary relief
Consumer complaint received 2018-02-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Greetings, I have initiated a multiple disputes with Experian over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initated. It has been well over the 30 days given for Experian to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Experian including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized inquries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Experian credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX   Date Filed : XX/XX/XXXX3 ) XXXX   XXXX XXXX - Date Filed : XX/XX/XXXX 4 )  XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX  XXXX XXXX - Date Filed : XX/XX/XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX SSN : XXXX DOB : 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 2018-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have been having several issues with TransUnion and reporting out dated information. I have disputed with them on several occasions to no avail. I am hoping your company can possible intervene and help me get this resolved. I have done extensive research on credit reporting and how long something is allowed to stay on one 's credit file and all research indicated that the statue of limitations is 7 years from when an account first becomes delinquent and never again went current. For whatever reason TransUnion is the only credit reporting company that shows the old debts. I have attached a copy of some of the debts that TransUnion insist on reporting and indicating the year they are to be removed goes past the statue. They report one of the accounts twice! XXXX XXXX  XXXX XXXX aka XXXX XXXX XXXX account number XXXX shows twice yet it was actually charged off over 8 years ago. There was only 1 account ever with XXXX XXXX and again that was over many years. The other one started with XXXX  XXXX XXXX and the first missed payment wasXX/XX/XXXX then they transfered it to XXXX XXXX   who transferred it to XXXX XXXX. None of the accounts should be reporting on credit, all are past the statue of limitations.

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 2018-02-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
since XX/XX/XXXX I was working with XXXX XXXX to refinance a home that I live in. I was given this company through XXXX XXXX to help me repair my credit and get some cash out for a rainy day istarted working with a XXXX XXXX XXXX aka XXXX XXXX mls # XXXX who at first was very helpful. then she turned me over to aloan officer XXXX XXXX who mis reported and read things that are not true as reported and recorded by athree way call with Equifax and alady name XXXX who was in XXXX XXXX   and could barely speak XXXX it is now XX/XX/XXXX and no loan and wasted my time after giving them all the paper work I requsted I am XXXX man with a XXXX XXXX XXXX and XXXX and suffer from XXXX   and XXXX. i believe they contact my bank to discuss tis matter with out my consent and hurt my chances of getting the loan this was a waste of a month when i provide everthing they ask for and then some donot truste XXXX XXXX say one thing do another

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am receiving several phone calls at my place of work ( XXXX is the number of the XXXX I work at ), regardless if I am there or not, every single day. I have myself gotten on the phone to tell them this is my place  of employment and they can not call me here but they continue. They have now learned my spouse also works at the same XXXX and have begun asking to speak to her as well. This has been going on for several weeks to the point my employer is considering it a distraction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have multiple balance transfers on my CitiBank Mastercard with different promotional interest rates and end dates for those promotional rates. I also have a small standard purchase amount ( annual fee billed directly to the card by the card company. ) I have been paying extra above my minimum payment each month. When I took a look at how the extra payment has been applied, it appears to me that it is NOT being applied according to the regulations of the CARD act. My understanding, based on the materials on this site as well as supplemental reading elsewhere, is that when you have multiple balances with different interest rates, the credit card must apply payments first to outstanding interest, then to the balance with the highest interest. If multiple balances are at the same interest rate, then they should apply the payment first to the balance with the promotional rate that ends first. 
It appears based on my statements that instead they are applying payments first to outstanding interest, then to the nearest promotional balance, with a tiny amount going towards the standard purchase amount. My calculations show that my standard purchase amount, which is at 16.49 % interest rate versus 1.99 % or less on the other balances, should be approximately half the balance it currently is if the payment was applied as I understand it should be. This was not an issue until the card was charged for the annual fee and thus had a standard purchase balance. 
I did attempt to contact Citibank, but was put on hold for an extended time and gave up. I read their website but was unable to find a description of how they apply payments in this situation. 
Therefore, I am filing this complaint. I have attached all statements, which show both payments made and the breakdown of balances and interest rates, going back to XX/XX/2017the month prior to when the annual fee was charged to the card.

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 2018-02-01 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have hard inquiries on my report that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 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: MD

Complaint narrative:
There is an account, XXXX XXXX XXXX XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX XXXX that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX XXXX several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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: MD

Complaint narrative:
There is an account, XXXX XXXX XXXX XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX  several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX XXXX that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX XXXX several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed immediately.

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 2018-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
We switched insurance companies and we received a refund on our prior policy premium. Bank of America ( XXXX ) asked to have this check forwarded to them so our Escrow account balance would not be low on or about XX/XX/XXXX. I signed and mailed in the refund check to XXXX. They returned the check since my wife did not endorse the check too. 
Inside of this returned check was a generic statement of why the check was sent back dated XX/XX/XXXX with our name. there was also someone else information in this envelope as our returned check was stapled to the information. The other individual paper work was the same generic letter dated XX/XX/XXXX which contained their name, address, and loan number. This is a violation of the XXXX XXXX XXXX XXXX. 
I contacted XXXX  on XX/XX/XXXX to find out more information in terms of if my information was sent out to the person 's information that I received or to someone else. The customer service rep had no information and stated that there was no other department or service that could assist with this matter. They did ask for me to mail back the other individuals information, which I will. With XXXX having access to valuable/life changing-threatening information and they can not and do not have a process to be able to track or tell me where or if my information has been breached needs to be addressed. A simple I am sorry from the customer service rep does not address or complete the process to address this issue. 

Looking on the internet this was the only government body to place a complaint, I could not find on specifically for the XXXX. If this is not the correct place to make this complaint, can you please direct me to that governing body? 

I do have copies of the information, but I will not attach to this part of the complaint.

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 2018-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
1. XXXX XXXX should be remove - two of them 2. too many multiple addresses on the report - keep only XXXX address 3. three capital one = already been paid in full status - please remove them on this report 4. XXXX XXXX - THIS HAS BEEN PAID OFF. why still showing open?? 
overdraft? 
- currently, i have my checking and saving account with XXXX XXXX ... .. 
please remove them my cell # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: VT

Complaint narrative:
My ex-wife and I have a mortgage and a HELOC through US Bank. We got divorced, and I subsequently went bankrupt. My ex-wife would like to purchase the house, but US Bank has been unwilling to send a payoff quote. She has been trying for approximately six months to get this settled, and I personally have contacted the bank at least 4 times.

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