vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My credit card account was closed because of a typographical error when submitting a payment. Once I learned of the issue, I immediately remedied the situation before even attempting to use the card.

I tried to reopen the account and Capital One said I needed to wait 7-10 days. Its been a few months. Each time I call Im being told someone will call me. Nobody ever does.

I opened these accounts to rebuild my credit. They are destroying my credit. Ive sent a written request and Capital One has ignored my correspondence. I need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid in full a store credit card through XXXX XXXX that has not been updated to my account.

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 2019-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Had 2 credit cards charged off back in XX/XX/XXXX, both were with the incorrect last name. I paid them off, and was told that they would be deleted off my report when i submitted my last payment. I paid them off in XX/XX/XXXX, still on my credit. Submitted a dispute error and never heard anything back. I want these two capital one cards removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried several times to get XXXX  XXXX XXXX to correct the current payment status on a loan transferred from them to XXXX XXXX. Their representative called to update me on the progress XX/XX/2019 and said they believe the payment status is being reported properly. I asked how a statement in plain english on my credit report saying I am currently past due on a loan closed 3 years ago could be accurate, and she asked me to fax any further documentation I had to her, and someone would look into it. I did that, but no one looked at it, or at least contacted me back. 

Evidently XXXX  XXXX XXXX used that phone call as a successful completion of CFPB complaint.

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 2019-01-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried several times to get XXXX  XXXX XXXX to correct the current payment status on a loan transferred from them to XXXX XXXX. Their representative called to update me on the progress XX/XX/2019 and said they believe the payment status is being reported properly. I asked how a statement in plain english on my credit report saying I am currently past due on a loan closed 3 years ago could be accurate, and she asked me to fax any further documentation I had to her, and someone would look into it. I did that, but no one looked at it, or at least contacted me back. 

Evidently XXXX XXXX XXXX used that phone call as a successful completion of CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX -I disputed this account and nothing was sent to me to legally verify this account. 

this account is being reported in violation. I have sent several dispute letters stating each error and it is still being reported on my credit report. 

1st violation : They are reporting a Balance of {$1000.00} on a charged off account 2nd violation : they are reporting a Past Due of {$1000.00} on a charged off account 3rd violation : Each credit bureau is reporting 3 different dates of last activity. XXXX  reports XX/XX/XXXX. Experian reports XX/XX/XXXX. XXXX  Reports XX/XX/XXXX. How is it possible to report inaccuracies and still say that its verified or updated. I checked my credit report after each bureau has stated that this account has been verified or updated.

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 2019-01-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I was charged on five separate occasions in XX/XX/2018 for some special orders at XXXX XXXX. I filed a dispute about these fraudulent charges. Submitted more than enough evidence to show that the charges were fraudulent and BB & t determined after their very poor investigation, that I would not get any money back. This is a scam. BB & t must be working with XXXX to generate fake charges. I have since hired a lawyer and a lawyers have sent letters to BB & t and BB & t did not reply so my lawyers advised me to file a complaint on this site. I am out almost {$630.00}. Bb & t is horrible

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 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
i was with the XXXX over quite some time but nothing was happening and was getting foreclosure notices. I was stupid and stopped with XXXX due to their cost was {$3000.00} if had stayed with them i might not have to move? 
Again stupidly i went back to Wells Fargo and they had kept on sending me to foreclosure then another one and then another one. 
I think i told you previously that i was to court due to notice from Wells Fargo but did not make it as i fell getting out after finally got a parking space and a couple wanted to take me to hospital but came home. 
I did get some more paper work sent by another specialist XXXX XXXX a few days ago and was going to library to make copies. Library is closed today and 1/2 day tomorrow due to windchill temperatures of 33 below, I am going to try to find a rental i can afford and also money money for moving, i guess someone moving make take credit card? They want my house to resale for {$170000.00} plus? I know i should have stayed with XXXX maybe it would have changed things???? 
Thank you for caring

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 2019-01-30 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: FL

Complaint narrative:
In response to CFPB:XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is a late payment, as reported by XXXX. 

This delinquent account record is inaccurate because in XX/XX/XXXX and XX/XX/XXXX fraudulent charges where made which followed to XX/XX/XXXX. They have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XX/XX/XXXX there were a lot of charges made on that month you charged me for. the money they said i owed for XX/XX/XXXX, I did not owe. They owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe october because they didnt know what I owed for XX/XX/XXXX. I had fraudulent charges in which they agreed to in their investigation. they are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what they are replying to has nothing to do with my dispute.. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I have included copies of them agreeing to credit my account back for charges made in XX/XX/XXXX month ( in which theyve recorded i did not pay for charges that were not made by myself. 
Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, 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 2019-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was a victim of identity theft I have sent in documentation and they removed the item only to have it resubmitted on my report. Now I call the company XXXX XXXX and I stated that that was not my account I have never done business with them and don't even know who they are. Now here is the kicker they said I need to come into a branch!! I said exactly that's what should have happened from the beginning and the is no branch in Pennsylvania so how could I have ever opened an account with you??? where is the documentation or proof that I contracted into business with you EVER!!! so the fact they have zero proof I ever signed up to do business with them that in itself would not stand up in any court in the United States fact.! I need this permanently removed and them to stop causing harm to my creditworthiness

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 2019-01-30 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: NC

Complaint narrative:
In XX/XX/XXXX I reviewed my credit report and noticed several accounts i believe to be fraudulent. I believe these accounts come from one of two security breaches i was involved in the XXXX data security breach of XX/XX/XXXX and the XXXX XXXX network breach of XX/XX/XXXX. i would like these items removed from my report as soon as possible. I am a victim of identity theft and need these items removed immediately.

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 2019-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In response to CFPB:XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX , FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is a late payment, as reported by XXXX. 

This delinquent account record is inaccurate because in XX/XX/XXXX and XX/XX/XXXX fraudulent charges where made which followed to XX/XX/XXXX. They have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XX/XX/XXXX there were a lot of charges made on that month you charged me for. the money they said i owed for XX/XX/XXXX, I did not owe. They owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe october because they didnt know what I owed for XX/XX/XXXX. I had fraudulent charges in which they agreed to in their investigation. they are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what they are replying to has nothing to do with my dispute.. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

I have included copies of them agreeing to credit my account back for charges made in XX/XX/XXXX month ( in which theyve recorded i did not pay for charges that were not made by myself.

Please investigate this matter and correct the disputed item as soon as possible.

Sincerely, 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 2019-01-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In response to CFPB:XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX , FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is a late payment, as reported by XXXX. 

This delinquent account record is inaccurate because in XX/XX/XXXX and XX/XX/XXXX fraudulent charges where made which followed to XX/XX/XXXX. They have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XX/XX/XXXX there were a lot of charges made on that month you charged me for. the money they said i owed for XX/XX/XXXX, I did not owe. They owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe XX/XX/XXXX because they didnt know what I owed for XX/XX/XXXX. I had fraudulent charges in which they agreed to in their investigation. they are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what they are replying to has nothing to do with my dispute.. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

I have included copies of them agreeing to credit my account back for charges made in XX/XX/XXXX month ( in which theyve recorded i did not pay for charges that were not made by myself.

Please investigate this matter and correct the disputed item as soon as possible.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
In mid XXXX, XXXX, my husbands and I insurance agent that handles our home owners policy contacted us regarding our policy, because a Shell Point mortgage representative had contacted him regarding changes that needed to be made on our policy. So, we contacted Shell Point regarding this issue and was told by a representative but would not give me their contact name, that since we had resigned our mortgage with them, because it had been sold to them, they needed to make changes to the policy, so to my point, we have not signed any documents with this mortgage company and did not attend any closing which was to have taken place in XX/XX/XXXX. I requested this paperwork, and she denied my request, stating they had forwarded it to us by certified mail after our closing meeting. She also stated that our payments had been increased since we had not made any payments since the construction in XXXX. I did not chose to argue with her because we have been making monthly payments to our mortgage lender XXXX XXXX XXXX  since XXXX. To another point, we have had our financial institute call this bank and verify how the checks are being cashed because they have found that the checks are cashed but have not been returned at any time which according to them is very unusual that a canceled check is not returned to be put on file, if ever needed to be pulled for proof in any matter. We are now concerned that the payments are not being put onto the debt because of her comment no payments have been logged since XXXX which is now 12 years, I find that very hard to believe. We are very concerned as to where our payments have landed since XXXX and the amount we were sending was {$1100.00}, for a total of XXXX and our initial loan was for XXXX. We had to file ch XXXX bankruptcy to protect our home so as to begin investigating where our money is and who are these people that are filing foreclosure. Thank you for your time and hope to get to receive some information as to what is going on with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trojan Professional Services, Inc.
State: CA

Complaint narrative:
A collection was added to my XXXX and XXXX  Credit report by " Trojan Professional Services '' a collection agency representing " XXXX XXXX XXXX XXXX '' The date of service that I went to this XXXX   was in XX/XX/XXXX. On XX/XX/XXXX a collection amount of {$1300.00} was added to my credit report. Prior to this I had not received anything from this XXXX   office to remit anything owed as I had private PPO XXXX  insurance that covered the cost in full. I have submitted supporting documents from XXXX XXXX XXXX XXXX insurance to both Credit Bureaus who subsequently forwarded the information to Trojan Professional Services.  The supporting documents show the date of service and a check number and amount of check that was submitted to pay the balance that Trojan Professional Services is claiming. I have disputed this same matter EIGHT ( 8 ) TIMES and TPS is refusing to remove this information from my credit report which is damaging my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 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: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I purchased XXXX XXXX cards in the amount of XXXX.This took place from XX/XX/XXXX to XX/XX/XXXX.I contacted my credit card company to dispute these charges and was told there was nothing they could do.I did this for XXXX XXXX XXXX, phone number XXXX.XXXX promised to pay off my credit card balance, which he started to do but the funds were no good.There were no funds to back the scheduled payment, therefore it left a gap in time and led me to believe the funds were good.Why would Chase not back me up with this type of fraud.The funds never became available.I have been a victim of a very deceitful scam and my bank has abandoned me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
whom it may concern : On XX/XX/XXXX the balance in my Savings Acct at the Bank of America ( B of A ) was {$80000.00}. On the morning of XX/XX/XXXX, I signed in to my computer to pay my monthly bills only to find out that B of A had debited my account for {$80000.00} leaving me with {$500.00}. I called B of A at XXXX XXXX on the XXXX  of XX/XX/XXXX, only to spend the next hour on the phone with customer service with no success. During most of the hour, ( the last 15 minutes of which I was left on hold ), I was asked many questions about my financial history. Did I ever do this or do that etc. Finally, at XXXX XXXX I hung up from B of A and went across the street to the B of A branch, at which I have my account. The bank representative XXXX XXXX had not the slightest idea what had happened. After one hour and 15 minutes with no success, I left and left my number with Mr. XXXX so that B of A could call me. During the morning I received many calls from B of A, asking many pointless questions like if I had a business : if I had joint accounts at B of A etc. to help them determine what the problem was. At around XXXX on XX/XX/XXXX, ( 4 hours after this search started ), I received a call from B of A ( XXXX XXXX (? ) saying the debit was for an amount of money B of A had written off years ago. This representative was very sketchy on details and made many erroneous statements ( like arguing that the money was taken from my checking account and not my savings ) trying to justify this debit to my account. I inquired why I had not been contacted. He replied I would be receiving a letter from B of A soon. It is now 5 days and I have seen so such letter. How can a bank pirate a customers account of over $ 80K and there is no communication on the matter?. 
I am a retired senior. I am a twice  XXXX survivor who needs to take meds with a huge co-pay. In XX/XX/XXXX I had XXXX  XXXX and now require drops whose co-pay over {$100.00} per prescription plus a XXXX XXXX that requires an additional prescription with a co-pay of {$120.00}. Also I have to take XXXX XXXX XXXX pills daily. My mortgage and other direct monthly payments are funded from this account. I have XXXX  XXXX scheduled for XX/XX/XXXX. I have expenses associated with this. 
I cant believe that B of A, after being with them for over twenty years, would seize my money. My life is now in a total tailspin. To add insult to injury, the B of A representative said they left the {$500.00} in the account to save me the service fee that would be charged if the account fell below {$500.00} Thanks a lot, BANK OF AMERICA. Living up to your slogan, " Life 's better when we're connected. ''

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