vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I received a letter advising me that Caine & Weiner had acquired a debt in my name. I immediately respond by USPS that I disputed the debt and I requested that they send me an itemized statement so that I could/could not validate the debt. I was NEVER provided with anything, I was also never contacted again and only found out this debt was still active when I received an alert from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: GA

Complaint narrative:
I have contacted the bureaus and the company has as well. The company, XXXX has stated that per our agreement that the account were paid and have agreed to deleted those accounts from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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:
I have contacted the bureaus and the company has as well. The company, XXXX has stated that per our agreement that the account were paid and have agreed to deleted those accounts from credit 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 2018-11-12 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:
I have contacted the bureaus and the company has as well. The company, XXXX has stated that per our agreement that the account were paid and have agreed to deleted those accounts from credit 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 2018-11-12 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Reviewed my credit report and found chase card reporting a balance of {$2800.00}. Please produce proper validation per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
As of XX/XX/2018 I Notice a collection item on my credit report with company XXXX XXXX XXXX , XXXX  As I did a research on the internet I came up with address XXXX XXXX XXXX XXXX XXXX, MN XXXX. Of an item with XXXX XXXX, In the amount of {$2600.00} I disputed the item with all 3 Credit Report Bureau XXXX, XXXX, XXXX  in XX/XX/2018 and came back as verified and certified with XXXX XXXX XXXX. Please be advise that this item doesn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing multiple negative and possible erroneous accounts with Equifax and sent them multiple letters for validation. 1st letter sent XX/XX/18 with no response. A second letter requesting validation of these accounts on XX/XX/18 with no response and finally a final letter for no response along with a request for inquiry verification was sent to Equifax on XX/XX/18. Finally on XX/XX/18 I received a letter in response to the inquiries, but even still without sufficient validation. However still no response to the validation/verification of the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MCM I called several times to resolve the issue and was told the debt could be settle for {$750.00} dollars in which I called back and was told I need to talk to some one name XXXX. I have phone records to how many times I called.

If MCM wants to resolve this issue I need a letter stating what I was told over the phone. If it's not in writing the amount stated there is no reason to mail any more letters I will just wait to it comes off my credit report. If the debt is not being removed there is no reason to pay the debt due to it is not going to change my credit.

Unless I receive something in writing showing what we discuss and it's been removed from my credit report there will be no need for need for contact regarding this debt if not in writing. I well not respond to the same old computer generated letter and when calling no need. Its been nothing but games and the run around with MCM. No letter no money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX. 
I spoke with a representative from chase bank on XX/XX/XXXX she mentioned that my account may have been compromised and we changed my password and username on my account. 
I tried to use my account on XX/XX/XXXX and it was declined I called an tried to find out why and the representative could not verify me. Why the one on XX/XX/XXXX could I Dont know, I was transferred and they could not verify or help me ask for a supervisor and one was not available and they would have someone call no call. Tried to use my card again and same only this time they took my social security number atm debit card number and still transferred me and transferred me again to a number where no one was there. 
I have had this account for more than 10 years. I have several bills paid from this debit card which are being kicked back due to their incompetence. They have held my money all weekend without notice. They could have sent a new card or something so I could notify my creditors. 
They should be able to offer me a way to access my money. And they should have a way to verify me. How could they just take my card and now I have late payments..I can not use my debit card at all and there isnt a branch in XXXX, NC whic was explained. I have up coming payments..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent in a copy of my social security, my utilities bill & drivers license, I have constantly disputed the incorrect addresses on my account, the company has yet to get back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12 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: NY

Complaint narrative:
I sent in a copy of my social security, my utilities bill & drivers license, I have constantly disputed the incorrect addresses on my account, the company has yet to get back to me.

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 2018-11-12 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:
XXXX XXXX appears on my credit report and should be removed.

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 2018-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Keep calling people in my family that this debt has nothing to do with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello : After filing disputes. Trans Union continues to report inaccurate Public Record. 

In XXXX, I tried to file bankruptcy, but the court rejected the claim based on my income was too high to qualify under Chapter XXXX. A year later, I reapplied under Chapter XXXX. Which was approved. 

Trans Union is still reporting that original void/denied filing. There is ONLY one filing from XXXX. I am enclosing the court documents to show the case reference and docket number. I am including a letter from my attorney, to show that the Trans Union Reporting reflects another Attorney 's name. 

My goal is for them to remove the erroneous original filed Bankruptcy. The one that that the court did not approve. Just like XXXX  and XXXX  have already verified through the courts and corrected my credit file. 

To be clear. My original XXXX filing was for Chapter XXXX. I did not qualify. A year later, I refiled under Chapter XXXX. Which was approved by the court. My legal counsel suggested before the case was discharged to convert to XXXX. Which is why the Discharge reflect XXXX. 

I realize it is confusing. However, the court can confirm the approved Chapter XXXX and the Discharged XXXX. All as being the same case. They can also confirm. That the original XXXX filing was denied by the court. 

Should CFBP need any of my Chapter XXXX documents. I can dig them out and forward. 

Thank you very much. 
Please see the attached documents. 

CASE NO. XXXX DOCKET XXXX ; DATE OF DISCHARGE ; XX/XX/XXXX HONORABLE JUDGE XXXX 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 2018-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/18, I contacted Capital One Credit Card customer service to balance transfer {$25.00} from my bank account to increase my credit balance to hold my rental vehicle for an additional day. 

I was told my the customer service supervisor this feature was not available on my type of credit card which is quantified as " secured ''. I advised him this had been done before my simply by verifying funds available in my account. He stated this was done incorrectly, and was a Capital One decision not to offer this feature on " secured '' cards. 

I advised I reviewed my T & C 's online and do not see this called out and if this was indeed a specific policy that impacted credit decisions for my card I needed this in writing. I was told this policy was unavailable. Any policy that impacts credits or funds transfer availability should be available to all consumers to ensure proper decision on credit card companies. 

When told I wanted to file a formal complaint as there is clear inconsistency in service options, I was told the supervisor would submit a complaint to the " back office '' however they could not guarantee a return call. I told the supervisor this was unacceptable and I believed the information provided to be in violation of the FCRA. I asked to speak to the compliance department and was told Capital One did not have a compliance department. A large credit company under regulatory oversight without a compliance/audit department is clearly a falsehood. I do not appreciate being lied to by my credit provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: TX

Complaint narrative:
I looked at the most recent credit reporting agencies letters and have come across some erroneous information. 

XXXX XXXX Reported : XX/XX/2018 {$300.00} XXXX XXXX XXXX XXXX XXXX Im not too sure what this or who it belongs too? This is not mine and does not belong to me

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 2018-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a loan with CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CBNA with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2016.

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 2018-11-12 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 looked at the most recent credit reporting agencies letters and have come across some erroneous information. 

XXXX XXXX Reported : XX/XX/2018 {$300.00} XXXX XXXX XXXX XXXX XXXX Im not too sure what this or who it belongs too? This is not mine and does not belong to me

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 2018-11-12 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: NC

Complaint narrative:
I have some account on my credit file that are not my and I have tried to fix the situation back in XXXX as when I first witness it. Accounts such as XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX. I would like this item remove off of Trans union and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Co-Operative Adjustment Bureau, Inc.
State: CA

Complaint narrative:
Upon first contact back in XXXX, the company, Co-Operative Adjustment Bureau, has had ONE representative that pretends to know everything and how everything works. I originally contacted them about a questionable increase of amount owed, and their response was it was interest on the originally agreement. I'm going to add the account is from an apartment complex not a credit company. Therefore, there is NO interest. The original amount owed was {$2600.00}. Just this year alone it has increased to {$3000.00} because of " interest ''. When I brought up the fact that they are not allowed to collect interest they brought up some legal code that claims they can because of the original agreement. The only issue is, the original agreement and lease was nullified in XXXX of 2017. And was never renewed. Therefore there was no agreement between the parties. Yet they are constantly raising my amount. I kept trying to solve it and all I ever got was just pay it. So I got irritated and started yelling at them and even recording the calls, after letting them know that it was being recorded, they never refused authorization, their only response was, " well that's illegal ''. This. ompany makes it hard to communicate and if it's not their way it's no way. I would like them to get a reality check. They can not raise amount owed or attempt to collect more than is originally owed under FDCA Laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: NC

Complaint narrative:
I have some account on my credit file that are not my and I have tried to fix the situation back in XXXX as when I first witness it. Accounts such as XXXX  XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX. I would like this item remove off of XXXX XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
We where offered {$45.00} statment credit if we set up three bill payments. Only received 1 {$15.00} credit for XXXX. Called customer service XXXX and was told to wait a business cycle. During that time filed a verbal complaint. On XXXX called and filed 2x complaint about missing reoccurring bill payments. Completed multiple XXXX cell reoccuing payments and set up XXXX car insurance in reoccurring biannual payments. Customer service XXXX refused to give me complaint numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have disputed this problem several times with Capital One Bank and the three credit bureaus over the past year with no results. I had two credit cards with Capital One that I let get behind, but when my finances got better a few months later I called Capital One and paid my debt in full. They had closed the accounts and reported charge offs to all three credit bureaus. All I asking since I did honor my debt with Capital One that they remove the charge offs on my credit reports since the account is now closed. And during the same time I had a credit card account with XXXX XXXX, I also honored my debt with them paid in full. They have an internal collection agency, XXXX XXXX  XXXX, I reached out several times to both companies and they tell me they no longer have my account, so neither company can remove the charge off from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
i don't know anything about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I have disputed this problem several times with XXXX XXXX XXXX and the three credit bureaus over the past year with no results. I had two credit cards with XXXX  XXXX that I let get behind, but when my finances got better a few months later I called XXXX XXXX and paid my debt in full. They had closed the accounts and reported charge offs to all three credit bureaus. All I asking since I did honor my debt with XXXX XXXX that they remove the charge offs on my credit reports since the account is now closed. And during the same time I had a credit card account with XXXX XXXX, I also honored my debt with them paid in full. They have an internal collection agency, XXXX XXXX XXXX, I reached out several times to both companies and they tell me they no longer have my account, so neither company can remove the charge off from my credit 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 2018-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I have bill service at BBT and month after they pay bills on and earlier than what schedule it be paid resort shortage of funds and a charge for over draft when you call them on it they send a email stating over draft would be refunded un [ less you send a follow up email you don 't get the refund, I requested a list of the over draft charges and proof of the credit to date I have not receive nothing this conduct has caused my gas to be cut of two When I ask the bill wasn't paid to date no reply when they pay early the funds ion my checking is used and when my monthly deposit is made they pay the scheduled billed and never put back the fund they paid out early and misused my funds, they just pay the bills as scheduled from new funds the missed used funds is never refunded nor the over draft charge

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