vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX i tried disputing this about 3 times. This account was paid for in full through collection agency. It should states paid in full. Experian keeps updating this account. XXXX XXXX XXXX i would like the foreclosure procedure to be updated as unkown because i have been working on my credit and i am trying to purchase a home and this remark is a negative remark. 

Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX Did not authorize these inquiries i called Experian to tell them they just said it has to stay on my report for 2 years. But why when i didnt authorize them

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 2017-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
CAPITAL ONE BANK RAN ALL MY CREDIT REPORTS TWICE IN ERROR I AUTHORIZED ONLY XXXX AND SOLFT ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXXXXXX XXXX RAN ALL MY CREDIT REPORTS XXXX IN ERROR I AUTHORIZED ONLY XXXX AND SOLFT ONLY

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 2017-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX RAN ALL MY CREDIT REPORTS TWICE IN ERROR I AUTHORIZED ONLY 1 AND SOLFT ONLY

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 2017-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
.Re : Capital One Acct I opened an auto loan with the referenced bank, at this I do n't remember the date. I started making the payments a month before the scheduled date of the first payment. 
I paid the loan on time each and every month it was scheduled. In XXXX XXXX, I had an accident hitting some XXXX ice and the car was totaled. Capital One told me that a $ XXXX amount was left to pay on the loan, so I figured that I would pay it off using the scheduled payment structure that was currently in place. 
Capital One, increased the payment and excelerated the time needed to pay off the loan. To say that I was upset was exhibited in my conversations with the various people I spoke with ; after all I had never missed a payment and felt that I should have been given some consideration! 
I was given a date of XXXX XXXX XXXX to pay the balance or have the account written off and foreclosed. Also they refused to allow me to continue to make the payments on line instead " I had to call them every month with my payments. I informed them it would be paid by XXXX XXXX, and it was. 
Capital One not only foreclosed the account but charged me an extra XXXX as a late fee! 
This accounted has and still is reported as the following : 1. Bad Debt 2. Write Off 3. Placed on collection, etc. 

As I have stated I was in no way going to let myself be bullied be a few people who made decision and usurped their own status in an attempt to play " XXXX '' This has maimed and undermined myself and my credit, all because the people who handled this tried to make me say " UNCLE '' and I would'nt! 
This should be corrected " IMMEDIATELY ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a capital one secured credit card a.d was approved. I did n't have enough money at the moment of approval so I was unable to follow through. Hours later I apply for a credit line again for I had enough to open the line. I was denied this time around and was given a mark on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recognize a few inquiries on my TransUnion Recognize a few inquiries on my TransUnion XXXX and XXXX report that I have not authorized. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNUON INQURIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 2017-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I sent a multiple inquiries removal letters to Equifax via Certified fax and USPS after viewing my credit report I notice that I had multiple and didnt private inquiries from XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, screening Reports, 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 XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, EXXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX  several of these are duplicates. I also attempted to contact them via phone and filed disputes regarding unrecognized XXXX plus Hard Inquiries and some are duplicates on my credit file and ive asked to have these deleted considering they are affecting my credit ratings. I asked how can I have these processed with having a credit freeze and fraud alert on my Equifax credit file with no clear explanation. On XX/XX/XXXX Equifax completes the re-investigation stating that the unknown Inquiries are factual. Ive asked them to please send proof of the factual information they stated they received as on today XX/XX/XXXX I havent received the information I received a copy of my credit report again. I verified my name and addresses which are listed incorrectly and I have disputed this multiple times as well which is the reason Ive have a freeze and fraud alert. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Harpeth Financial Services, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I borrowed XXXX from Advance Financial. The first payment was reasonable at XXXX but the payment scale soon went to XXXX a month. XXXX was interest due. My principal is still at XXXX. But the interest is XXXX. I have talked to company representatives about the monthly payments that I just can not pay. Although they have accepted the smaller payments, this is only going to interest which is at 360 %. On XX/XX/XXXX, Instead of taking XXXX out of my account, this company took XXXX without my authorization. Even though I am disputing this it still left me without any funds for the next two weeks. Had I known what type of underhanded practices they have for interest and that they can change your payments at will, I would have never ever bothered this company. I will pay the money I owe going a different route but XXXX for interest is robbery. Please see if anything can be done about these exorbitant rates, and how they can go into an account that they were not authorized to use, take whatever amount they want and get away with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recognize a few inquiries on my XXXX Recognize a few inquiries on my XXXX Equifax and XXXX report that I have not authorized. 
Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX INQURIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MA

Complaint narrative:
There Is a debt Owed of {$170.00} to Collection Agency, XXXX XXXX XXXX XXXX, XXXX, WA. XXXX on My Credit report. No Idea what {$170.00} Is for?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXXI used my home computer on the Flagstar 's website to request a balance transfer to pay off a XXXX XXXX XXXX credit card. After entering the transaction, I realized I put in the wrong amount. I called the Flagstar on XX/XX/XXXX@ XXXX XXXX & asked if they could access the transaction I just entered and correct the amount. The representative told me the transaction did not go through. She mentioned " if I did not see a disclosure statement, then it did not through '' She also told me that I should go back in and do it again. I chose to wait a couple of days and check to see if it was processed. After two ( 2 ) days, I could not see the transaction, so I used a courtesy check from the Flagstar and went into XXXX XXXX XXXX and paid off the correct balance. On XX/XX/XXXX I received a letter from Flagstar indicating they had in fact prepared and sent a check to XXXX XXXX XXXX. As a result, two ( 2 ) transactions were processed and my account has a balance reflecting both. I was also charged two ( 2 ) fees associated with the transactions. I called Flagstar on XX/XX/XXXX @ XXXX XXXX and spoke to XXXX. She told me the first representative did not know where to look for the transaction. We discussed her putting a stop payment on the check they sent to XXXX XXXX XXXX. I told her after the account was paid off, I closed it. XXXX left the phone and spoke to her manager and returned to tell me that XXXX XXXX XXXX would return the check to them as the account was closed. After I asked her if she was still going to put a stop payment on the check and she said " yes ''. However, XXXX did not. XXXX XXXX XXXX received the second check for the wrong amount and is still holding the credit on the closed account. I complained to Flagstar about the incompetent representatives and they indicated they would review the calls. Subsequently I received a call from a female supervisor who was nothing more that a liar. She told me they reviewed the second call and there was no mention of " stopping payment ''. I know this is a LIE as I was on the phone. They are only attempting to cover their XXXX in this. I wants a transcribed copy of the tape since I was on the other line. They are refusing to provide it to me and lying about the content of the call which lasted twenty-seven ( 27 ) minutes.

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 2017-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
I submitted a dispute with collection Bureau of America around XX/XX/XXXX in regards to a collection account which is not mine. The starting balance was XXXX and then they added a collection cost of XXXX so it is now reflecting a total balance of XXXX. With in the dispute I asked them to provide something with my signature showing that I signed for the services that I am in collection for. The sent me a bill and nothing more. I never had an account with the company that they are claiming I did and I moved out of the service address in XXXX and the invoice date is listed on XX/XX/XXXX way after I moved out of that home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX XXXX repeatedly calls to speak with " XXXX '' who does not live at this telephone number.

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 2017-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX, 2017, I deposited a bank issued check for {$13000.00} to my Chase account. The check was for the proceeds from a home equity refinancing. The teller told me the check would be available in 24 hours. Therefore, I set up electronic payments to pay off credit cards and medical debt on XX/XX/XXXX, 48 hours afterwards to ensure that the money had cleared. On XX/XX/XXXX, I received two messages from Chase that they could not fund my payment to two of the credit cards due to insufficient funds. I then sent an inquiry since according to my balance I had more than {$14000.00} available. I was informed the check had been put on hold because they had to make sure it was legitimate. In the meantime, my husband wrote me a check in the amount I had written him to cover his cards, and that bounced. He has now accrued overdraft fees and I will be too. So now, this opportunity to provide some relief from credit card and medical debt has now turned into added stress and is costing us money. I find this absolutely unacceptable, especially since the Chade representative informed me that the funds would be available the next day. Furthermore, there is absolutely no reason to hold the check for 10 days ad the bank is suggesting. A quick look into my savings account will show you that every year we make a deposit at about this size. Regardless, the check is from another bank, not a personal check. Finally, this is not their practice for customers who make this size deposit on a more regular basis. This is bad customer service at the least, and possibly discriminatory. It is not ok to hold our own money hostage from us, and charge us for overdrafts when it was Chase that said the funds would be available within 24 hours. I believe this is middle-class discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ACS Education Services
State: NJ

Complaint narrative:
We have experienced loss of income due to a critical health problems in our family We have contacted ACS on numerous occasions only to get a run a round We want interest removed and our rate lowered in order to make these payments We have always tried to make these payments but they are pushing us to financial ruin

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I called Capital One to get my balance so that I could pay off the balance in full. On XX/XX/XXXX, I paid the balance that was quoted to me on XX/XX/XXXX. When I received my statement, I had been charged interest. When I called to find out why I had been charged interest when the balance had been paid before my billing cycle date, I was advised that it could take up to two billing cycles before the interest charges would stop. We have a total of 4 accounts. We paid the balances on all 4 accounts. We have received invoices for 2 accounts that have been charged interest. I feel that the other 2 statements will also have interest charges. I was only able to list one in the field for the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
starting in XXXX of 2016 I hired a lawyer and we started the process with Fay servicing of a loan modification so I would not lose my home. 

I have filled out the same paperwork for almost 2 years now. 
They keep sending documentation about foreclosure. 
Every time I submit some type of documentation they tell me it either has expired because it takes them 90 days to review it, ca n't read it, forms have changed and that a line on a form is wrong and to do it a different way. 

I have spent at least {$2000.00} with my lawyer t file paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Credit accounts were open in my name between XX/XX/XXXXand XXXX. These accounts were capital one, XXXX, XXXX, XXXX,, anything on my credit report was fraudently open.. at the time I was only XXXX. My birthday is XXXX.. I never authorized this, so therefore it needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was called at about XXXX XXXX today, XXXX/XXXX/XXXX, regarding a XXXX XXXX account issued by Comenity Bank. I told the phone rep that I was woken from a dead sleep, confused, did n't understand what she was saying, and asked to be called again in an hour. She refused. 

Looking on their web site later, it appears that the bank alleges I paid the balance of {$57.00} in full on XX/XX/XXXX, four days after the late fee date of XX/XX/XXXX. My memory is of paying the full amount, in person, at the store. So there should not be a continual series of escalating late fees. I 'm not making a legal argument, but from a common sense viewpoint this is usury. 

I believe I did make a compromise offer on the phone this morning, as did the telephone representative, but we did reach agreement on an amount. And this was after I had said I was tired and confused and did not understand. So even though I stated, on a recorded call, my compromise offer, I do n't think that should be the starting point for any future negotiation. Instead, the bank should apologize for waking me and close my account as of when I paid the then-communicated-to-me full balance of {$57.00}, since I have made no further charges. 

I asked the phone rep to close my account this morning. The rep refused on grounds that they wanted to continue to add to the late fees. After the call, we went on the web site and confirmed the account is still open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover card closed my account last week because a review showed a change to my credit score, which I had already taken care of by settling an old debt which I just became aware of. Unfortunately, it will take time for the settlement to impact the score. I had a zero balance with Discover and a perfect history but they just closed my account and sent me an email to that effect last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: NY

Complaint narrative:
XXXX is reporting an account that was showing a XXXX  balance last month is now reporting a balance of XXXX the account is XXXX XXXX XXXX XXXX. This account was reporting XXXX now its reporting with this balance it made my score decrease by 55 points. This should have never happened. I fully expect XXXX to correct this wrong information and report like it did last month as an account with a XXXX balance. It took me months to finally get this account corrected and now its back to square one. Having this wrong information reporting is causing me a hardship with obtaining substantial credit.

Company response to consumer: Closed with explanation