vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-24 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: TN

Complaint narrative:
My credit score dropped from XXXX to XXXX and there hasnt been any changes on my credit report for over a year. 

The last negative item was placed on my report 2 years ago for 30 day late. 

I would like to know what changed in their scoring systems for my score to drop 80 points with no changes on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Mortgage arrears for {$450.00} not applied to my mortgage. My mortgage no arrears when filin chapter XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called to the Capital One costumer service more than 4 times for my XXXX Credit Card, the third time on XX/XX/2019, which took more that 3 hours explaining the issue, finally got disconnected when I was on hold for more than 1 hour by the Costumer service Supervisor who wanted to confirm the issue with another departments. 
Once I didn't called back again I called back on XX/XX/2019 and just informed that they put a note on my account that " everything is correct. '' The issue is very simple, I explained in detail more than 10 times but it looks like there is not an intention to pay attention to my issue : Let assume today is XX/XX/2019 : I simply downloaded all of my transactions form Capital one website : 1- I summed Total ( Year to date ) posted Expenses 2- I summed Total ( Year to date ) posted Payments ( including Reward Redemption ) 3- I calculated Total ( Year to date ) Remaining Balance by extracting item 2 from Item 1.

The result it is showing a negative number which means I paid beyond the debts but surprisingly my available credit limit is still under the credit limit. 
I am attaching here an transactions Excel spreadsheet which is clarifying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have disputed the collection amount of XXXX with Portfolio Recovery several times. The amount owed is incorrect and has been settled. This debt is no longer valid. ( Non-verified ) please remove from credit report. Under the FCRA is information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: MI

Complaint narrative:
I received a threatining collection letter from afni collections alleging I owe XXXX XXXX XXXX and/or XXXX XXXX {$6900.00}. I have never had any dealings with either of these people and legally they have no basis to threaten me with collection

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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:
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX in response to a complaint made Previously to the CFPB regarding fraudulent inquiries showing on my credit report. In the letter XXXX asked the credit reporting agencies to mask these inquiries. These items were removed later in XX/XX/XXXX. 

These items were dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I was doing business with my bank and a credit report was pulled from Equifax which once more showed the old inquiry from XX/XX/XXXX and a new fraudulent one from XX/XX/XXXX. 

I reported these inquiries to XXXX, who said that they would once again send requests to Equifax to mask these as they were fraudulent. I have NEVER applied for any form of credit from XXXX nor XXXX, which is the source of ALL of these inquiries. I also obtained reports from XXXX  and XXXX  which showed none of these inquiries. 

I filed an on-line dispute at www.investigate.equifax.com on XX/XX/XXXX concerning these inquiries. On XX/XX/XXXX I received an email from Equifax informing me that the dispute had been completed along with a confirmation number and a link to obtain the results. 

When I accessed the link, I was required to fill out an on-line form with basic information. Upon submitting the form, the system response was that it was unable to provide me the information requested and provided a phone number to call. 

I called the number and after about a half an hour of grilling by a representative, I was told that they could give me no further information. 

Today XX/XX/XXXX, I received another email reminder from Equifax, requiring me to access the link for the results of their investigation. I repeated the on-line process of filling out the basic information, but when it was submitted the system responded that it required more information and proceeded to re-display the SAME screen which I had just correctly filled out. 

I understand that since the data breach in XX/XX/XXXX that Equifax has been under a great deal of pressure, but their lack of timely responsiveness is causing many peoples ' lives to be negatively affected, as evidenced by the number of class action lawsuits against their company for incorrect or inaccurate information on their credit files. 

I have Locked my credit files on ALL three bureaus. I have also made a report to XXXX concerning these fraudulent applications and I am awaiting a response from their security team.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I want this account off my credit report now. This company SANTANDER has harass me for over 9 to 10 years now. The car which was a red XXXX XXXX was giving back years ago. These people constantly calling and but not giving me letters through the mail or nothing, I wonder why, cause it's incorrect information. This is illegal. I want them investigated. And I want to know why this is still on my credit report and why I am receiving calls and being harass for a car that I had over 9 or 10 years ago. This has to stop. Stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: WAKEFIELD & ASSOCIATES, INC.
State: AR

Complaint narrative:
Wakefield and Associates was notified by me, via letter, on XX/XX/2019, that they were illegally and improperly reporting negative information to my credit reports and robo calling my cell phone without my express permission ( numerous messages saved ). 

I gave them until XX/XX/2019 to remove the accounts and cease contact or I would file a federal lawsuit. 

I even included my PACER profile sowing I am a Plaintiff in six federal consumer protection cases. 

Wakefiled and Associates ignored my warning and are still reporting, in a negative manner, five accounts that are incorrect. 

I have drafted and am filing my federal Complaint, which I will forward to your agency in a few days. 

I understand that I will be pursing the private right of action section of the FCRA and the FDCPA and that your agency can not assist. 

I am asking your agency to please take the Administrative Proceeding actions that you have congressional authority to prosecute and which I don't have standing to prosecute. 

Thank You for your assistance, and as I have done in the past, I will forward a copy of the Complaint to supplement this Complaint, once my Complaint is assigned and has a docketing number. 

If you need recordings of the TCPA violation messages prior to this, please contact me directly. I have them saved to a separate drive and can forward/upload. 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This issue is with Capital One Spark Business card. 

Statement for period ending XX/XX/2019 showed balance of {$9400.00}. Payment of {$6000.00} posted on XX/XX/XXXX ( due by XX/XX/XXXX ). 
Statement for period ending XX/XX/2019 showed balance of {$11000.00} which was paid in full on XX/XX/XXXX (  due by XX/XX/XXXX ). 
Statement for period ending XX/XX/2019 shows balance of {$2100.00} including interest charge of {$140.00}. 

Agreement clearly states that if balance is paid in full by due date, no interest is charged. 
I called on XXXX and spoke to representative who said it's because the balance at XX/XX/XXXX was not paid in full.That doesn't make any sense, any interest charges for that period would have been charged on the XX/XX/XXXX statement and already paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi is not calculating my interest correctly. I switched my account to a " Citi Accelerate ' account with a ~2.4 %  interest rate. I live in XXXX and am eligible for this account per the representative i talked to in XX/XX/XXXX. For whatever reason since my account was open 15yrs ago in XXXX, I am not eligible for the higher rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-24 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: OH

Complaint narrative:
This is the second time I have tried to dispute inaccurate personal information on my report. I tried calling and I keep getting the automated system that dont give you an option to speak with a representative and then hangs up on you. This is a hinder to my credit and due to these inaccuracies it creates an identity issue if I wanted to apply for credit.

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 2019-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
I do not owe this debt. I contacted this XXXX months ago to dispute the charges because they falsely agreed to accept my insurance, they then contacted my attorney trying to get us to sign a form to agree to pay any amount they charged which would then be paid if I ever received a settlement for the injury. In addition, I was grossly misdiagnosed as having a severe medical issue when in fact I did not. This XXXX  was completely unethical. I disputed the charges with the office and they then turned them over to a collection agency. Capital Accounts began calling me on XX/XX/XXXX. I explained the situation to them on the first call and asked them not to contact me again and to turn into my credit where I would dispute it. I received calls again on XX/XX/XXXX and XX/XX/XXXX and both times a male collector rudely yelled at me on the phone telling me I had to pay it and threatening to turn it in on my credit. I told them by law they were not to harass me ever again and I wanted no further contact. They continue to call each day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: AMA Advisors, LLC.
State: VA

Complaint narrative:
Incorrect reporting on all three credit bureaus. Creditor, HomeBridge mortgage reporting a 30 day late XXXX of 2018, this is incorrect. Sending a copy of the mortgage statement. I have been working with a credit repair company for two months with this problem, it still exists on all three credit reports. 

This incorrect reporting is stopping me from a refinance of my present mortgage.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 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: Executive Credit Management, Inc
State: PA

Complaint narrative:
Spoken with XXXX from Executive Credit Management. Requested physical signature verification for a hard inquiry on credit report. XXXX replied, " information is shredded once denied ''. Informed XXXX, " resided at another resident ''. XXXX became hostile and stated information was shredded. Requesting a physical signature for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX XXXX called regarding debt that is not mine. I have asked repeatedly to not be called. Number shows up with no caller id. XXXX XXXX  called at XXXX on XX/XX/XXXX phone number XXXX-XXXX-XXXX Ext XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I keep receiving calls and letters in the mail after bankruptcy being discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: GA

Complaint narrative:
Experian is still reporting a incorrect balance from a defaulted card loan thru XXXX XXXX. The car was sold in XX/XX/2018. The deficiency letter was never mailed to me from XXXX XXXX. but I have definitive proof via my XXXX XXXX report that the vehicle was sold. I have a partial account number. XXXX. I'm asking that balance be updated the same as XXXX and XXXX have already done. my Ssn is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: GA

Complaint narrative:
Trans Union Consumer Disputes Center and XXXX are incorrectly reporting an account that doesn't belong to me. The account is not mine. I have reached out the past 90 days to the Bureaus with no response. I am currently preparing myself to file a law suit. I have been a victim of Identity Theft in the past. I provided a certified and signed letter of dispute that was accompanied with police report. Account Name : XXXX XXXX Account number : XXXX Account balance as reported by the bureaus {$900.00}. Under the Fair Credit Reporting Act the Credit Bureaus were to respond to my dispute within 4 Business Days of receipt. They failed to do so. This account needs to be REMOVED and DELETED from my credit. It is ERRONEOUS and truly has hurt my credit worthiness. The Bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Under the FCRA section 609, I asked to be provided the ORIGINAL CONTRACT on File with said Creditor and the Bureaus failed to provide me with it. Thank you for your prompt response to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: KeyBridge Medical Revenue Management
State: KY

Complaint narrative:
On XX/XX/2019 I called to make a good faith offer to bring the account current, but the agent refused and asked for a higher amount. I stated I could not afford the amount requested, but made another offer. Agent then began laughing at me and stated that they'd take me to court instead.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XX/XX/19 I requested a balance transfer for {$3000.00} from a XXXX card account ending # XXXX. When I checked a few days later online it stated it was to XXXX XXXX. I do not have any accounts there. My wife also initiated a balance transfer from XXXX and hers came up as XXXX XXXX XXXX ( she has a separate complaint ). She called and they verified it was correct and American Express customer service explained to her that sometimes the bank name appears different. I received a call from American Express verifying my identity and confirming the balance transfer. I could barely understand the lady as she spoke very broken English but, I did make out the last four digits of the card number was # XXXX. I did not think much of the online portal saying XXXX  XXXX as my wife had a similar issue and was told its ok. On XX/XX/19 I checked my balance online and it says I have a {$3000.00} balance from a balance transfer to XXXX  XXXX. Again I do not have any accounts at XXXX XXXX. When I click on the transaction it says it was sent to XXXX XXXX Dummy Account, XXXX XXXX XXXX UT. When I XXXX XXXX XXXX it comes up at American Express also the balance transfer says it was credited to XXXX XXXX XXXX, which is not even close to the account number I provided. I did verify that the amount was not credited to the XXXX account. I did the online chat with the customer service rep and she confirmed that the information they had was XXXX and she advised me to speak to the balance transfer department. I called them on XX/XX/19 a gentleman picked up and I explained the situation he said ok ill open an investigation and you will hear something in 7-10 days. Okay thats it? I am expected to carry a random {$3000.00} balance and no one knows how this happened. I called back on XX/XX/19 and gave them permission to speak to my wife. She asked how this could have happened and they couldnt answer, she asked them to verify the information that was entered online when the balance transfer was initiated and the gentlemen told her it didnt matter and an investigation was open. I find the customer service that I have received to be less than subpar. The lack of any concern from the people I have dealt with at American Express leads me to believe they are dishonest and deceitful. I am not sure how one branch of the company could have the correct information and incorrect information. I find these actions to be very suspicious considering a similar situation has happened to my wife. I wonder how many times this has happened to other customers. As of right now I am carrying a {$3000.00} balance on my American Express credit card that I did not authorize and no one can explain to me how this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under RMP Services LLC. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize but should have been covered in full by insurance/Medicaid. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid and in fact received a notice that the accounts would be removed. I do not believe the accounts belong to me as it should have been paid by insurance/Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct and that the charge is not covered in full by insurance/Medicaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
This account has recently been added onto my credit report as a collections account. This account has already been discharged though bankruptcy

Company response to consumer: Closed with explanation