vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Capital One Bank To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim Such as I owe an unknown amount. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Admin Recovery, LLC
State: PA

Complaint narrative:
Admin Recovery attempted contact with family and attempted contact with me at work on or about XXXX XXXX 2017 about a debt. Admin Recovery failed to provide me with information regarding a debt soon after they first contacted 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 2017-08-20 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: WA

Complaint narrative:
I filed a dispute on XX/XX/XXXX. I was not resolved so I called them on XX/XX/XXXX. They said disute was completed. I stated I .as not notified. Tthey sent me an email as of XX/XX/XXXX stating it was completed as of XX/XX/XXXX. I disputed this several times. They have not completed those disputes as of date. The other 2 reporting agencies removed the accounts from my report a year before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20 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: IL

Complaint narrative:
On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and XXXX XXXX XXXX. XXXX reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. XXXX and experian are reporting foreclosure and XXXX is reporting short sale 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 2017-08-20 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: IL

Complaint narrative:
On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and XXXX XXXX XXXX. XXXX reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. Transunion and XXXX are reporting foreclosure and XXXX is reporting short sale 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 2017-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One refuses to remove late reports for 2 of my credit cards for the months of XX/XX/XXXX, and XX/XX/XXXX. They claim the reporting is accurate, and there 's absolutely nothing can be done on their end to rectify the problems. I 'm currently looking for a home mortgage and the late reports are affecting my credit report score badly its affecting the rates I 'm being offered. The problem with Capital One is that they are not willing to understand that I was moving from XXXX to XXXX XXXX in XX/XX/XXXX, and have proof of a lease signed for XX/XX/XXXX. I tried explaining to Capital One that we had issues with not receiving our statements during those months. They claim I was signed up for electronic statements for 1 of my accounts so I should have received my email. I searched my inbox. The first email statement I have from them was received on XX/XX/XXXX, thats about 4 months after they reported me late to the credit bureaus. So something does n't add up. They do n't want to comprehend that I was in the middle of a move, and that I simply did not receive my statements. Other then these 2 months, my accounts have been stellar with them. I added a screenshot of my XXXX address that is registered to Capital One cards. I have 21 emails from them when I search for the subject line and sender, " XXXXXXXXXXXX Your card statement is ready " The oldest email found dates to XX/XX/XXXX. They claim I was already signed up for Electronic Statements for at least 1 card. I may have been signed up but their system had only started emailing statements as of XX/XX/XXXX. Prior to that date, all statements were being received in paper. The card ending in XXXX was signed up for electronic statements from XX/XX/XXXX. So where are my email statements for card ending in XXXX from XX/XX/XXXX - XX/XX/XXXX??? That 's almost a whole year of statements that should have been received as well, that I have no email record of. My second card, the one ending in XXXX was not signed up electronic statements until AFTER both late payments were reported, on XX/XX/XXXX. I believe this was done after I realized the bill for these cards had not been received, and when I contacted the customer service dept, the rep noticed the lapse in the 1 card being signed up for electronic statements, the one ending in XXXX ... but not the one ending in XXXX So their facts just do n't add up, and they just expect me to believe whatever they say without showing factual proof. They just send a letter stating that the reporting is accurate. Here 's my proof, and I need your help to get them to stop reporting incorrectly the credit bureaus now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: KY

Complaint narrative:
I initiated a call to The CBE group on XX/XX/XXXX. I spoke with a supervisor named XXXX. I was inquiring about paying a collection account in the amount of {$210.00} that we had just learned about from XXXX. We learned of this account from a mortgage company that we are working with to purchase a home. I explained to XXXX that I was willing to pay the account off if it would be deleted from our credit report. I was very clear with her that our mortgage company said that our loan would not go through underwriting unless this collection account was deleted. The mortgage company said that the loan could not go through if the account just showed paid. I asked XXXX on at least 3 separate occasions during this call if she could assure me that it would be deleted if we paid the account. She said that it would be deleted. I paid the account, she gave me a confirmation number and confirmed my email address so she could send a receipt. After waiting for the receipt to show up and it never did, I called The CBE Group back on XX/XX/XXXX. I spoke to a man named XXXX XXXX. I explained the situation to him and told him that I had never received a receipt and that our mortgage company was also requesting a letter of deletion so they could process our loan. He informed me that they did not provide letters of deletion and that the only thing that they could do was update the account on the credit report to show as paid. I explained to him again that the mortgage could not go through underwriting if the account just showed paid, it had to be deleted. He said that they never deleted only updated accounts. I told him that XXXX had promised me that if I paid with a credit card by phone on the day that I called in, that it would be deleted but it might take up to 30 days to show up. He agreed to listen to the phone conversation because all calls are recorded. After listening to the phone conversation he said that he thought that the process was not explained to me correctly and offered to refund the payment that I had made. I told him that I did not want the money back that I just wanted the account deleted so we could buy our home. He said there was nothing he could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XXXX XXXX, I opened a fraudulent dispute with TD Bank for my XXXX XXXX Cashback Credit Card. I did not authorize the 4 charges of {$950.00} distributed across XXXX XXXX XXXX XXXX ( total unauthorized charges : {$3800.00} ) and the 6 charges of {$990.00} distributed across XXXX XXXX XXXX XXXX XXXX ( total unauthorized charges : {$5900.00} ) to online merchant XXXX. These were all charges made online without my consent or knowledge. After their " investigation, '' TD Bank resolved the fraud dispute in the merchant 's favor and purported that I made those charges. I tried to appeal their decision but they denied that also. I did not make those charges and was not aware of those charges. I was not even notified of these charges, which were in the thousands of dollars, until I looked at my credit card bill. Now they expect me to pay ~ {$7400.00} dollars for charges I did not make. This will devastate me financially. The TD Bank fraud investigator who first contacted me, XXXX XXXX XXXX, called me in late-XXXX XXXX. This was the first time we spoke over the phone, and she immediately accused me of lying and making those charges. I personally found it suspicious ( and rude ) that she would jump straight to accusations before the investigation was resolved. As a result I believed the investigation was already biased against me. I 've also called her 5 days a week every week at her phone number ( XXXX ) XXXX but my calls were ignored. I know they were ignored because her voicemail changed in the time between some of my calls, and she did not call me back, meaning that she heard the voicemails I left her, but she still did not call me back! I can only deduce that this fraud investigator is deliberately ignoring my phone calls. I do not know if she is simply ignoring all phone calls or just mines specifically. I have filed a police report with the XXXX Police Department on this matter ; my case number is XXXX. I believe my identity was stolen along with my credit card information ( I was hacked ), and because of that somebody else was able to make purchases with my card number online without my consent. My case number for TD Bank is XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Acura Financial Services has never honored the original contract : it was an interest free loan yet mid-way into the contract I was charged interest ; I was told the additional coverage I purchased would extend the warranty to 130,000 miles to ensure I received the full 100,00-mile warranty, as the vehicle had 30,000 miles on it at purchase. XXXX XXXX at 100,000 miles forcing me to take a refund for my coverage in paid services on the vehicle at Acura. Acura found enough in repairs to ensure I received none of the refund in cash.
I have fulfilled my contractual responsibility to Acura financial services as it pertains to my XXXX XXXX XXXX, but I have yet to receive the owners registration ; Acura has continued to hold my pink slip XXXX, while illegally access the vehicles computer system manipulating and interfering with the vehicles performance by generating error code ( ALL CODES DIRECT YOU THE ACURA DEALERSHIP ) and added additional fees at the end of the contract, in an effort to extort additional monies ; this is extremely egregious and despicable behavior on the part of the lender.
I experienced a major reduction in income when my medical status changed in 2013 to XXXX, with a diagnosis of XXXX XXXX. Because of the reduction in income I incurred late payments ; even with my repeated explanations of my medical status and irregular XXXX disbursements to Acura representatives, Acura still actively embarked on a despicable and unlawful campaign of harassment and bulling via the manipulation of the computer system in my XXXX XXXX XXXX.
Acura persisted in a hostile position of aggressively manipulating the computer system on my XXXX XXXX with error messages, disruptions in the performance of the XXXX vehicle, disruptions in the functions of the various systems on the vehicle and harassment of friends, family, neighbors and myself with repeated activations of the loud security system during the very early hours in the morning and late night. This egregious, instructive behavior on the part of the Acura corp. under XXXX XXXX XXXX XXXX XXXX is complicit in manipulating the vehicles computer system, diminishing and/or damaging the vehicles performance, forcing unnecessary and burdensome repairs which generated revenue for the corporation and created a financial burden for this owner. Their action damage the battery, forcing the purchase of 4 batteries and resulting damage so extensive to the transmission I was forced to pay over 5,000.00 in repairs.
I have written letters and contacted the company via telephone in an effort to have them compensate me for the losses I incurred as a result of their unlawful behavior and the immediate release of the title to my car as I have fulfilled my contractual responsibility to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
on XXXX-17 i received a letter from Diversified consultants inc. informing me : XXXX XXXX is the new owner of this account and DCI is working for them to collect this Debt for {$170.00} for an ancient ( over 18years ) ago Account I had with XXXX XXXX? Which should have been resolved 20 years ago! Numerous times in the past 15 years, I have had this Removed from my credit history and yet it somehow it comes back every 4-5 years? What is the point of going through all this reporting to the credit companies and fuss if they can just bring this back anytime they feel? then we go through the same process off contacting XXXX then wiping it off my credit history. is there any Legal recourse is this? how do i get this to stop once and for ALL?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Commenity Capital Bank/XXXX is reporting a late payment for the month of XX/XX/XXXX. I have tried to ask them to remove it because I did not receive my statement that month regularly during a move I made in XX/XX/XXXX from XXXX to XXXX XXXX.. Recently, when I called the bank and asked to put in a dispute for the incorrect reporting of the late month, they said I would need to mail them this information. This is the first time I 've been ask to mail in a request to dispute, which is why I am notifying CFPB in hopes they can help me submit this request electronically. I am trying to apply for a home mortgage and want to make sure that all my creditors are reporting accurately as my score greatly depends on that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed an invalid account on my credit report with all 3 bureaus. They claim to have initiated an investigation into the account from XXXX XXXX, whom I have never done business with. I requested proof of account per the FCRA guidelines including any signatures our contracts. None of the bureaus marked the account " disputed '' as required. All 3 bureaus did however remove the account from my report within 60 days, not 30, after XXXX XXXX failed to validate it.
Experian has now allowed XXXX to reattach the account to my report, still with no proper validity. I made a complaint via phone X/XX/17 & was informed that I would have to start the dispute process all over again while this incorrect, damaging account stays on my report. I have contacted XXXX which I am waging a separate complaint about.

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 2017-08-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have filed for bankruptcy chapter XXXX, in XX/XX/XXXX. The bankruptcy was dicharged XX/XX/XXXX. I have my paperwork with me for proof. XXXX, XXXX have been reported with my bankruptcy. Although, Experian has not report on my credit report for my bankruptcy. How is that two credit bureaus do report for my bankruptcy, but not experian makes no sense. First, I called and I was told they have not been informed of my bankruptcy, so I mail in the diacharged papers of my bankruptcy chapter XXXX called and confirmed that they have received the paperwork and will proceed on with what needs to be done in the process. Call a month later still has not been resolved or has been reported on experian of my bankruptcy, call the following month still experian has not updated my credit report for bankruptcy ask to speak with a supervisor, I advised bankruptcy is a publi record and they can see I have filed for bankruptcy chapter XXXX  she confirmed that they were able to find my name on the public record for chapter XXXX. They gave me an excuse of well we get a a bundle of people of that file bankruptcy so we must of missed your file, and when they were aware of my bankruptcy my file was already closed but they were never informed I went through bankruptcy it does not make sense!!! At all its horrible not accepting they drop the ball at all, just admit we drop the ball and made a mistake we will fix it but no now they want me to call the courts and find out how they reported or file my bankruptcy im not doing their job for them its been five months experian is not willing to help me giving me the run around no phone etiquette at all!!! Not willing to help!!! They have access to the court records!!! This is bad reporting and obviously dont want to correct their mistake!!!!!!! I will contact my lawyer is this is not resolved i have called for the past week constantly and no help at all just giving me so many excuses

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 2017-08-20 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: ND

Complaint narrative:
I 'm a victim of identity theft and someone stole and used my North Dakota driver 's license XXXX and social security card to apply for a XXXX credit card account. Whoever the individual is, that stole my personal information impersonating me, they applied for a XXXX credit card account fraudulently using my personal information. The following XXXX credit card account : XXXX is fraudulent and unauthorized. The account do not belong to me. I did not apply for a XXXX credit card account. The fraudulent XXXX credit card account is listed on my XXXX XXXX, XXXX and Experian 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