vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 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:
I made a balance transfer on my Capital One venture credit card at 0 % interest in XX/XX/XXXX. It was for 12 months. The transfer was made and my other balance was paid off. Each month I would get a statement with my existing balance. Unlike other credit card companies that I've done balance transfers with, Capital one does not show the consumer the expiration date of the balance transfer. They also do not show the the length of time the balance transfer is for when the initial balance transfer amount is first listed on your statement, During the course of the year I've made my payments, but did not pay off the whole balance off. I forgot when I initially made the first transfer and thought, capital one would inform their consumers of when the expiration date of the transfer was approaching to avoid paying the much higher interest on the remainder of the balance. I called Capital one customer service who told me my transfer did expire in XXXX of XXXX. I told him I was dissatisfied and they should keep consumers aware on their statements to avoid paying higher fees. They told me they don't list that info on their statements. It think this is a deceptive practice, and a change should be made. All other credit card companies, make this clear on their monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Velocity Portfolio Group
State: NY

Complaint narrative:
There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. CKS PRIME INVESTMENT ( Opened XXXX XXXX, 2019 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

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 2021-02-08 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: Capio Partners, LLC
State: TX

Complaint narrative:
Capio partners XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, Capio partners a debt collector intentionally and with intent to cause harm to my credit to force a settlement reported a debt with a service date of XX/XX/XXXX as being from XX/XX/XXXX and 90 days past due. 
This was done with the intent to force a settlement or compromise ( they offered to accept approx. 75 % of the amount in question for an immediate removal of the misreported information ) and with intent to harm my reputation and ability to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 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: LA

Complaint narrative:
I was on a deferment plan that was approved for XX/XX/XXXX to XX/XX/XXXX due to me not working due to COVID19. Somehow, XXXX XXXXXXXX XXXX reported me late on XX/XX/XXXX. I have attached my mortgage statement for that time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
This should already be deleted it has been on my credit since XXXX and I need it removed I don't owe Portfolio Recovery anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: FL

Complaint narrative:
There 5 charge offs on my credit report for which I don't recognize. I called on the consumer reporting agency XXXX to show me a copy of some underlying application with my signature from the creditor and they didn't, they just sent via email that the items are updated and that they contacted the creditors. I'm kindly demanding the instant removal of those items since they couldn't show me any proof for which I requested. I sent the letter via certified mail on the XX/XX/2021 XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX account # XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX, account # 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 2021-02-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. Bankruptcy Court is not an information provider as we do not report any information to these agencies. Bankruptcy court does not report to reporting agencies and does not report to any other of the agencies.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have contacted XXXX, XXXX and transunion about the debt on my credit report from XXXX. I have asked them to provide And have asked numerous times to provide physical verification of the original signed certified contract with a wet ink signature which is my right as a consumer under the FCRA section 609 ( a ) ( 1 ) ( A ). and Copies of copies are not validation and by law are not considered. XXXX XXXX and transunion has not complied and still lists this debt on my profiles. they keep removing it and adding it back to my profile.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See attached XXXX NOTARIZED Identity Theft Victim Affidavit. After 4 years, I am understandably not happy with the 90 Fraud Reinvestigation Discover responded with on Consumer Financial Protection Bureau Complaint # XXXX. After theft of cards in XX/XX/2017, I was in hospital for 5 days in XX/XX/2017 for emergency XXXX XXXX XXXX. And again, in XX/XX/2017. I was in the XXXX XXXX XXXX beginning in XX/XX/2017. The thief is XXXX XXXX XXXX aka XXXX XXXX XXXX. I have already sent information that I easily XXXX  reflecting credit card abuse, forgery, impersonation, and false pretenses. Also attached is a letter I sent to XXXX XXXX XXXX XXXX regarding more fraud and impersonation from XXXX XXXX. She was able to get on my company insurance for several months and was getting pills from a doctor.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Over the course of the past few days I have attempted to retrieve my credit score using a number of different credit reporting applications and services, most notably : XXXX, XXXX, Credit Karma, and XXXX XXXX. After entering my information in all of these services ( name, address, SS #, phone number etc ... ) all of them have told me the same thing : " your information does not match what the credit bureau has on file ''. This is extremely alarming, as I have double and triple checked my information every time, even with my mother, and all of the information I have entered is entirely correct, leading me to believe that the credit bureaus file on me must have incorrect information. I need to rectify this, as the time has come for me to buy an apartment. Thank you for your time, I hope to have this worked out soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: KY

Complaint narrative:
I had XXXX XXXX in XXXX with XXXX XXXX XXXX at XXXX, XXXX and XXXX  Specialists of Florida. I went to the follow up appointment and specifically said I did not want any procedure done because I did not want a $ XXXX bill to come to me for simply looking up my nose when I knew I was healing good. My grandmother, XXXX XXXX, was right next to me and a witness to this. They said okay, no problem. I get called to the back and I also informed his nurse or whoever it was that did my vitals and asked me some questions that I did not want an additional procedure done today. He also says okay, no problem. The doctor comes in, we talk and I leave. Before leaving my grandmother wrote a check for whatever else was owed. No procedure was done. I get a bill for almost {$500.00} later. Ive talked with the people in the office about this and they are so rude and disorganized it got absolutely no where. I also submitted through XXXX  that this get taken off which also got no where. 

During the process of me challenging the almost {$500.00} debt, an additional debt showed up from the same practice. This time almost {$700.00}. HOW?! It says the debt is from XX/XX/XXXX but I wasnt living in Florida during XXXX. The last time I saw this doctor was in XXXX. I have absolutely no idea where the second debt is even coming from. And its usual it appears for the first time ever while Im disputing another debt from them. 

I seem to not be the only one having issues with this practice. If you check the reviews to this place you will see that this seems to be a common thing they do to people which goes completely unchecked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I placed a call to Wells Fargo Dealer services regarding my principal balance being reported incorrectly and was given the run around about the balance showing on my credit reports. Agent was unwilling to provide a timely solution to the problem. Wells Fargo has continuously reported inaccurate information 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 non-monetary relief
Consumer complaint received 2021-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have unauthorized accounts that appears on my credit report due to my Identity been stolen, I request the following accounts to be delete and removed off my credit report : XXXX open date XX/XX/XXXX amount {$200.00} account # XXXX, XXXX XXXX XXXX  XXXX open date XX/XX/XXXX amount {$980.00} account # XXXX, XXXX XXXX XXXX  XXXX open XX/XX/XXXX amount {$2000.00} account # XXXX, XXXX XXXX  XXXX open XX/XX/XXXX amount {$1900.00} account XXXX XXXXI reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I refinanced my loan on XX/XX/XXXX with Loan Depot. At closing, Loan Depot determined that I do not need a separate home owner 's insurance since my HOA provided coverage. Then, I received a letter from Loan Depot dated XX/XX/XXXX ( two months after closing ), that if I do not provide proof of home owner 's insurance, I will be forced to pay theirs. That I did not need my own separate home owner 's insurance is confirmed in an email with my loan processor XXXX XXXX on XX/XX/XXXX, and later further confirmed by the customer service associate, XXXX XXXX in an email on XX/XX/XXXX. Regardless, I got home owner 's insurance starting XX/XX/XXXX. Now Loan Depot is charging me {$290.00} for the gap period in which I did not have my own separate insurance, including the time frame before they even said I need insurance. They are charging me their own insurance rate between XX/XX/XXXX and XX/XX/XXXX. I discussed with them already that they can not backdate insurance as I was not covered by their insurance then. However, they maintain that this is their resolution. An agent named XXXX XXXX called me today to state that its because my Master HOA Policy does not include the phrase " Walls in to original specifications including improvements and betterments. '' I told her it does ( to which she says she can not verify herself ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to correct inaccurate information on my credit report since XXXX of last year. I have written letters to the three major bureaus in XXXX and again in XXXX with no response from any of them. They are reporting information that is wrong and it is causing me to have a negative credit report. This is in violation of FDCPA Section 807. I feel like I am being targeted and done wrong by these companies. It has now been 67 days since I first sent them letters with no response! This is unacceptable. 

XX/XX/XXXX XXXX Inaccurate Late Payment. 
XX/XX/XXXXXXXX XXXX Inaccurate Late Payment. 
XXXX XXXX Inaccurate Late Payment. 
XX/XX/XXXX XXXX XXXX FDCPA Section XXXX XX/XX/XXXXXXXX Inaccurate Late Payment. 
XX/XX/XXXX XXXX Inaccurate Late Payment. 
XX/XX/XXXX XXXX FDCPA Section 807 XXXX  FCU XXXX FDCPA Section 807 XXXX XXXX XXXX Inaccurate Late Payment. 
XXXX XXXX XXXX FDCPA Section 807

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 2021-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX  IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4th ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-02-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received unemployment insurance benefits from the Maryland Department of Labor, deposited to a Bank of America debit card. 

On XX/XX/XXXX, and XXXX, XXXX, {$2700.00} was stolen from my account at Bank of America ATMs. I discovered the theft on XX/XX/XXXX and reported it to Bank of America that day. Bank of America cancelled my old debit card and issued a new one. 

On XX/XX/XXXX, Bank of America sent me a letter stating that my claim was closed " because we believe the account or the claim have been the subject of fraud or suspicious activity. '' On XX/XX/XXXX, I telephoned Bank of America. A supervisor told me that all Maryland unemployment insurance claims had been closed because of some sort of technical error, and that the claim would be reopened that day, XX/XX/XXXX. I was given a claim number different from the one in the closing letter. 

Since then I have received no communication from Bank of America. I have called and spoken with claim representatives and customer service agents on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. No Bank of America employee has provided any useful information or told me the status of the investigation. They give me contradictory information about what the bank is doing and what I can expect. Many times they have told me that they can provide no information because " the account is closed. '' My account has been frozen since at least XX/XX/XXXX. Bank of America 's explanations for this are incomprehensible. 

The theft from my account was an unauthorized transfer, as Bank of America could easily confirm by comparing my driver 's license picture ( which I faxed to them twice ) with the photograph of the person making the unauthorized withdrawal. I provided timely notice of the error under Regulation E, section 1005.11 ( b ) ( 1 ). Bank of America did not investigate promptly or provide the results of the investigation, violating section 1005.11 ( c ). Bank of America has not given me a provisional credit pending investigation. More than 90 days have passed and Bank of America has provided no written explanation, violating section 1005.11 ( d ).

I request that Bank of America unfreeze my account and credit {$2700.00} to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: TX

Complaint narrative:
See attached XXXX NOTARIZED Identity Theft Victim Affidavit. After 4 years, I am understandably not happy with the 90 Fraud Reinvestigation Discover responded with on Consumer Financial Protection Bureau Complaint # XXXX. After theft of cards in XX/XX/2017, I was in hospital for 5 days in XX/XX/2017 for emergency XXXX XXXX XXXX. And again, in XX/XX/2017. I was in the Hurricane Harvey Flood beginning in XX/XX/2017. The thief is XXXX XXXX XXXX aka XXXX XXXX XXXX. I have already sent information that I easily XXXX reflecting credit card abuse, forgery, impersonation, and false pretenses. Also attached is a letter I sent to XXXX XXXX XXXX XXXX regarding more fraud and impersonation from XXXX XXXX. She was able to get on my company insurance for several months and was getting pills from a doctor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4th ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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