vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Walmart decided to replace my years old Walmart Mastercard provided by XXXX XXXX, which I would not be liable for unauthorized use. 
Walmart.capitalone.com sent me a replacement card ( same # as before ) which had the red/yellow circles like mastercard but did not have the words '' Mastercard ''  on the card for me to activate. Several pages ( 3 ) stating the revised changes for this new Capital One card, payments, interest, etc. everything was good to go. They did suggest I read the enclosed CAPITAL ONE World Mastercard Guide To Benefits, 10 pages of small print. 
Unauthorized use is now limited to {$1000.00} per claim, and a limit of one claim per 12 month period. 
Calls to Mastercard, told " NOT OUR CARD ''. 
Calls ( 4 total ), to Capital One finally got the card canceled. 

SOMETHING BAD WRONG GOING ON HERE, BUT I AM FINISHED WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: MO

Complaint narrative:
Showing 90 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ... never late also loan switched to navient about this time and also I was on a defferment ... parent plus loan taken out in 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 2019-12-11 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Showing 90 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ... never late also loan switched to navient about this time and also I was on a defferment ... parent plus loan taken out in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: MO

Complaint narrative:
Showing 90 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ... never late also loan switched to navient about this time and also I was on a defferment ... parent plus loan taken out in 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 2019-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion refuses to update my physical address. This is an ongoing issue.

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 2019-12-11 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: MD

Complaint narrative:
My name is XXXX XXXX, yet Experian report has my name as XXXX XXXX XXXX. I have been trying to get a loan for a house for months but because of the incorrect name in Experian, the banks can not process my loan application. I worked with multiple banks and they came across the same issue. I have called Experian many many many many many times and they gave me hope that it would be changed, however, later they told me that their company policy doesn't allow them to have two letter names as the first name. Their customer service refused to help me many times. My dad was given that name at birth and that's his name in everything. 
We can't change his name and Experian won't help us fix it in their system.

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 2019-12-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am respectfully requesting a letter stating that the negative credit information ( late payment for XX/XX/XXXX on account ending in -XXXX ) will be removed with the credit reporting 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 2019-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/2017 I received a copy of my credit report and it had a account from XXXX XXXX listed on it with a balance of {$840.00} ; account # XXXX, I immediately disputed this charge as fraud and has had no success with it being removed from my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
This is my second complaint After the first response i recieved last month i have received an additional 2 cards in my name with different accounts attached to them. This happened while all of my information was frozen thus proving that cash.app doesn't use any conventional ways of identity verification before issuing cards and accounts. The response i recieved last month was that I'd be removed from the system and blacklisted. That didn't happen so this complaint is two parts 1. I didn't solicit this service the first time early XX/XX/XXXX, second time mid XX/XX/XXXX, third time or fourth time early XX/XX/XXXX ( over a month after my original complaint was addressed ). 2. My information was not blacklisted as previously stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: Innovis
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX I need some help to remove some fraudulent addresses off my credit. The address above is my current and only address. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I have several numbers on my credit file that do not belong to me as well please delete/remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: ID Analytics, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX I need some help to remove some fraudulent addresses off my credit. The address above is my current and only address. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I have several numbers on my credit file that do not belong to me as well please delete/remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
I had a debt to calvary portfolio collected through payroll garnishment awarded to them through the XXXX county Alabama circuit Court. This account still shows as open and in collections with a balance of {$290.00} on my credit report. It has been disputed and they say that it is correct but I can not even get in contact with Calvary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: TX

Complaint narrative:
I have tried to ask experian for help with the matters of my identity they have been the rudest people to deal with over the phone I have sent in all the required documents and still the items remain on my report they are not upholding what the cfpb and XXXX are asking please help me resolve this problem with experian

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 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Biltmore Asset Management LLC
State: FL

Complaint narrative:
I received two phone calls from family members on XX/XX/2019 around XXXX EST to tell me that a " XXXX '' from " Biltmore Asset Management '' had contacted them about me. I have no knowledge of this person or company and if I do have a debt with them, they need to be contacting me and not family members. That is harassment.

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 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
Dear CFPB, I owed XXXX XXXX XXXX for a phone bill for wireless service in the amount of {$310.00} and due to nonpayment my account was suspended on XX/XX/XXXX. I wasn't able to access any service from XXXX XXXX XXXX after my account was suspended including the internet, so it was hard to pay my XXXX XXXX XXXX XXXX bill. 

Although my service was shut off, I was sent another bill for another service period from XXXX XXXX XXXX saying I owe {$410.00} on XX/XX/XXXX. I contact AT & T to dispute the amount, however I was later sent to collections. 

I eventually paid the collections agency ERC ( Enhanced Recovery Company ) over {$700.00} for the balance of the closed account. ERC sent the negative result to my credit report. It is ( XXXX ) still  impacted negatively today ( XX/XX/XXXX ). 

On XX/XX/XXXX and on XX/XX/XXXX, I called XXXX XXXX XXXX and ERC both and they say there is nothing they can do to fix the problem that they caused resulting in a negative report on my credit history, significantly lowering my credit score. 

I've attached the documents showing : 1. The service suspended ( email ) 2. The extra charge after the service was suspended ( email ) 3. The account being sent to collections ( email ) 4. The total balance after the account was closed ( email ) Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have applied for a Capitol One Credit card and was approved credit card a month ago. I have received a phone call two weeks ago, from the Fraud department asking me to email documents to verify my identity. 

So for the past two weeks I have been emailing my personal documents such as state id, social security card, birth certificate, bills, and mail. I had several conversations with Fraud department about issue with ID being in black and white ( need it in color ), social security ( needed to be signed ), pieces of mail ( needed to be opened ), images are blurry, and recently my telephone number is not verifiable. 

When I asked the manger of the fraud department about the phone number issues he could not explain it to me on what was the issue. I google this issue and it turns out that others had this issue because their phone phone service was prepaid and not contractual. 

And now they want me to reapply in 15 days for the same credit, I was already approved for. 

I asked for a corporate number and the all push me to the website. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 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: NC

Complaint narrative:
I spoke with XXXX XXXX XXXX XXXX regarding this credit card. I verified that I never opened up this account. I have investigated this debt with the credit bureau and they did not investigate this properly. I also provided a copy of my identity theft police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Forest Recovery Services LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was never 30/60/90 days late on ( XXXX, XXXX, XXXX, XXXX OF XXXX on this ( JPMCB AUTO ) account. I have made my payment on time and contacted the creditor for a review they were unable to provide with any proof that I was late. If this negative 30/60/90 days late does not get removed from my credit bureau and update to current, my next step of action would be to publish this to ( cfpb ) Consumer Financial Protection Bureau and file a complaint to ( XXXX  ) XXXX XXXX XXXX. Below you will find the attached copy of the 30/60/90 days late and the creditors contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: UT

Complaint narrative:
Around XXXX last year, I had to pull out all three credit report due to a unauthorized hard inquiry, and no matter how I tried to pull out the Transunion report, and it did not work online, so I called them and received a paper copy from them. 

After reviewing that, I found out several stuff need to be fixed because the report was so mess up, I filed dispute online and again it did not work. 

I called Transunion again for the dispute, they requested me send them all the supporting documents though the mail, I sent that mail to them last year, until today I did not receive any response from them. 

Also, until today I still can not assess my Transunion report online, I believe they have not fixed anything and it is still mess up.

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 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have an Apple Card issued by Goldman Sachs. On Friday XX/XX/2019 I disputed a transaction that was pending from XXXX. I did not approve this transaction, and XXXX couldn't give me any information on the order. Immediately after I disputed the transaction my card was restricted. meaning I can not use the card. When asked about this restriction I was told that it is restricted, no further information is available ' and i'll have to wait for a phone call and they don't know when it will occur. 

It is now 2 weeks later on XX/XX/2019 and the account is still restricted with no end in sight. Customer service is still unable to assist in any way. 

Additionally, they refuse to close the account despite repeated requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: SC

Complaint narrative:
I sent a certified letter in XX/XX/2019 to hunter warfield asking to validate the debt that they were reporting to the credit bureau. Here it is XX/XX/2019 no response. The invalid debt is still being reported negative on my credit report.

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 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: WI

Complaint narrative:
In XXXX I contacted Discover credit card because I was laid off of work and asked if it was anything they could do to assist me with my credit card payments. The informed me they could lower my interest rate which would decrease my payments to {$120.00} for 6-months. Once I returned to work, I contacted them and ask if I could come off the plan because I needed to use the card to put gas in the car and for expense until I obtained a check to get back and forth to work. At that time I was informed that I could come off the plan but would not be allowed to use my card, as of today I am still not allowed to use my card. Not at any time was I told that if I got on that plan my credit card spending privileges ' would be suspended once I returned back and I would not be able to use my card. I explained to them that I was never informed of that and I would've never went on that plan if that was the outcome. The agent did not explain that to me when she enrolled me on the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Re : Home Depot Credit Services/Citibank, N.A Home Depot Account number : XXXX & XXXX XX/XX/XXXX To Whom It May Concern : The reason I am filing this complaint with your agency is due to Home Depot/Citibank, N.A offering me a high APR interest rate of my Home Depot credit card account. On XX/XX/XXXX, when I applied for credit with Home Depot my credit scores were XXXX  XXXX & XXXX  XXXX, and I should have qualified for a lower APR interest rate. I also never miss any payments and my account never went into default and what is also upsetting that Home Depot also  refuses to apply any overpayments above the minimum to the promotional balance rather than all of it being applied to the revolving balance. I was never properly disclosed that I was told for that to happen I needed to contact the credit department to put in a request to have payments properly applied before promotion expire. According to the Home Depot agreement, Home Depot/Citibank, N.A on qualified account holders offered an APR interest rate between 17.99 % - 26.99 with credit approval. With my excellent credit score, I shouldve been offered a lower APR interest rate, instead of a 25.99 % APR interest rate. I believe Home Depot/Citi Bank shouldve offered me a lower APR interest rate instead of the regular interest rate of 25.99 % at the time when I have applied for the Home Depot account. I would greatly appreciate if you could please investigate this matter for due fairness. Thank you in advance for your prompt response regarding this critical issue. 

Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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