vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX COVER LETTER FOR CAPITAL ONE 's REQUESTED INFO on- RE : CARD NUMBER -- XXXX Virginias SCC case number, NUMBER -- XXXX We are protected under Virginia Law and By the State Corporation Commission , as Insurance Agents and Brokers are licensed with the Authority to have the Fiduciary Responsibility for handling " Their client 's money '' and it looks like this insurance company is deceptive, and therefore we need your help! 

RE : Payment for $ XXXX- Made to XXXX XXXX XXXX ON XX/XX/XXXX, a COMMERCIAL INSURANCE POLICY WAS NOT APPROVED BY UNDERWRITING. 

The insurance company asked for A CANCEL AT INCEPTION LETTER, to protect them from claims. They have NO LEGAL reason to keep any premium for NO INSURANCE POLICY WRITTEN. 

AND This insurance company is being INVESTIGATED BY VIRGINIAS SCC BECAUSE THEY DID NOT OFFER MY COMPANY THE CORRECT POLICY AND THAT IS WHY THEY CANCELLED BOTH POLICIES AND LEFT US UNINSURED. 
WE HAVE MOVED ON TO ANOTHER INSURANCE AND THE INSURANCE POLICY REFUND OF OVER {$2300.00} WAS NEEDED TO SECURE NEW COVERAGE WITH XXXX XXXX!!! 

We are shocked that after notifying us in writing in XX/XX/XXXX that our insurance was not approved by underwriting, that the Insurance company has ignored ( 2 ) Requests by Certified Mail, with no response, including our Attorney 's Letter ( Attached ) on USPS tracking number- XXXX, which shows that the Attorney 's Letter and the request for a refund was received on XX/XX/XXXX with no response. 

We are shocked that we received a call today that Capital One, is forcing a re-bill to our card that ends in - XXXX for the {$2300.00} for the cancelled policy. The SCC has asked the Insurance agent to provide us with their Errors and Omissions Insurance information, because the policy taken in XX/XX/XXXX with XXXX XXXX XXXX- XXXX XXXX  XXXX was not the correct coverage for our business. That is what XXXX XXXX, Insurance Agent at the XXXX XXXX   XXXX XXXX XXXX wrote in her letter cancelling our policy ( Referenced above ) on or about XX/XX/XXXX. 

We used the refund on our card in XX/XX/XXXX for {$2300.00} to purchase a NEW Insurance Policy that was the correct policy and with the correct coverage needed. 

Although XXXX XXXX has a NO-Loss Letter from XX/XX/XXXX so that the insurance policy can be cancelled to inception, with no claims that they would ever pay, and with their agent 's notification on XX/XX/XXXX that we had no insurance, we had to receive a refund, the agent at XXXX XXXX  XXXX is insisting that he would keep our money. So that Is why we reported the agent to The SCC, the regulatory Body for insurance agents in Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
Re-aging debt. Falsely claiming new activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: DISCOVER BANK
State: CO

Complaint narrative:
I have been a Discover customer for about 3 years, with that I have one credit card and one Personal Loan. The amount owed on the personal loan is {$4300.00} and {$1300.00} on the credit card. On XX/XX/XXXX my baby was born and I was going through extreme financial hardship. The months where the accounts were not paid were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To begin Discover had the incorrect Mailing Address on file therefore I did not receive any statement, balances or mail from Discover. I was getting constant calls at work reminding me that I had late payments due and asking me " how would you like to pay this amount ''. Discover is only worried about me paying off my balance rather than trying to work with me.Not only was I interested in getting my account current, I was also interested in paying off the full amount. They have repeatedly expressed to me that they refused to work with me even if I pay in full. They have put me in a stress full situation where my credit score is so low that I can not qualify for a Mortgage. They have put me in a position where I am Financial unstable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has wrong personal information that list my addresss being in XXXX Texas. I have never lived there. Known addresss XXXX XXXX XXXX XXXX XXXX tx 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 2018-05-10 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: MI

Complaint narrative:
XXXX status on my credit report is incorrect. My current status should report paid as agreed. I am in forbearance and no payments are required and no payments are due.

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 2018-05-10 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: TX

Complaint narrative:
XXXX has wrong personal information that list my addresss being in XXXX Texas. I have never lived there. Known addresss XXXX XXXX XXXX XXXX XXXX tx XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient has reported me 90 days late on my credit report twice on my credit report when they were unable to contact me about my loan deferment has ended. I have disputed this information twice but they continue to avoid correcting my credit report and they levy fees that are not interest related.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I am finishing up a XXXX XXXX, ten years after completing my XXXX XXXX. I financed my education entirely through student loans, but made regular payments on them as much as I could between degrees while I worked full time. My loan company is currently billing me while I am in school and said my first payment is due two days after I graduate. I explained that I am a XXXX XXXX XXXX and not working I plan to immediately find a job after I graduate, but did not expect to be getting bills while I was still in school. I asked what my options were, they give me vague answers only and refer me to deferment options I dont qualify for. They take several days to respond to my emails, its never the same person answering them, and they dont answer all my questions. I want to get everything from them in writing because they have given me false information in the past. I dont know if its legal for them to be billing me while still in school, even if my first payment is due two days after I graduate. I havent even completed my exit counseling yet. I asked if they could defer the billing cycle for just one month, because it would make all the difference to me and none to them, and I made regular payments for years, and they did not answer my question or acknowledge my request. They only give automatic sounding responses to my emails and wont answer my specific questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: MI

Complaint narrative:
XXXX status on my credit report is incorrect. My current status should report paid as agreed. I am in forbearance and no payments are required and no payments are due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 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: FL

Complaint narrative:
XXXX has reported me 90 days late on my credit report twice on my credit report when they were unable to contact me about my loan deferment has ended. I have disputed this information twice but they continue to avoid correcting my credit report and they levy fees that are not interest related.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: FL

Complaint narrative:
XXXX has reported me 90 days late on my credit report twice on my credit report when they were unable to contact me about my loan deferment has ended. I have disputed this information twice but they continue to avoid correcting my credit report and they levy fees that are not interest related.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 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:
XXXX has reported me 90 days late on my credit report twice on my credit report when they were unable to contact me about my loan deferment has ended. I have disputed this information twice but they continue to avoid correcting my credit report and they levy fees that are not interest related.

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 2018-05-10 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: FL

Complaint narrative:
on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX initiated a hard inquiry on my credit reports { transunion, XXXX and XXXX } without having my authorization. 
I kindly ask you to remove the hard inquiry thank you

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 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you

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 2018-05-10 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:
This is a follow up to Equfax 's investigation to complaint number XXXX regarding XXXX XXXX XXXX. 
Equifax 's response exceeded the 30 day window to verify items listed on my credit report. 
This compliant was submitted on XX/XX/XXXX. Equifax responded on XX/XX/XXXX, ( 60 days after complaint ). 
Also, Equifax 's response failed to address the complaint. My complaint was that the Mortgage lender ( XXXX ) exceeded 30 days in verify my inquiry to XXXX in XX/XX/XXXX. Equifax 's response said that they were able to verify the report, but did not address the timeliness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

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 2018-05-10 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: FL

Complaint narrative:
on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX initiated a hard inquiry on my credit reports { XXXX, equifax and XXXX } without having my authorization. 
I kindly ask you to remove the hard inquiry thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: FL

Complaint narrative:
on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX initiated a hard inquiry on my credit reports { XXXX, XXXX and experian } without having my authorization. 
I kindly ask you to remove the hard inquiry thank you

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 2018-05-10 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: Reliant Capital Solutions, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX at XXXX my daughter and I were contacted by XXXX XXXX XXXX Reliant Capital Solutions in Ohio . XXXX XXXX claimed that we owed ad debt in the amount of {$1100.00} to XXXX State University. I asked XXXX XXXX when did his office communicate with us about this money being owed. He claimed that his office sent us a notice of validation of debt on XX/XX/XXXX. XXXX. I confirmed we did not receive it. He told me we had to make payment in full by the end of business day XX/XX/XXXX. If we didn't my daughter would be reported to the credit bureaus. I told him i would like to dispute it and XXXX XXXX told me the dispute time is over. I would not be entitled to dispute the charges., I was furious. I told him I would call him back. Later that afternoon I contacted XXXX and spoke to a Financial Aid Rep. i was informed that the account was sent to collections on XX/XX/XXXX Not on XX/XX/XXXX as XXXX XXXX had claimed. they also researched the account further and said it could be a mistake. This debt was paid in XX/XX/XXXX. The reason for the additional increase is the cost of collections. 
I contacted Reliant again that afternoon and spoke to a supervisor. The supervisor confirmed the date of XX/XX/XXXX and confirmed that he would be speaking to XXXX XXXX about the misrepresentation of the debt. He also confirmed a debt validation letter would be sent out later in the week. As of today we have not received it. As a result of my conversation with XXXX XXXX I was so flustered and angry that I was not able to return to work that afternoon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I signed up for a Chase IHG Rewards Club Select Credit Card which offering a free night on any hotels worldwide ( unrestricted ) after each account anniversary year. However, I just received notice from Chase in XX/XX/XXXX that the free reward night will be limited to redemption values of XXXX or fewer points. 
I signed up XX/XX/XXXX and won't get to use an unrestricted night even once, even though that's what was advertised when I signed up for the credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 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: GA

Complaint narrative:
I was an authorized user on a XXXX credit card I am no longer an authorized user, Experian refused to remove account from my report after 3 attempts /dispute

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 2018-05-10 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was an authorized user on a pen-fed credit card I am no longer an authorized user, XXXX refused to remove account from my report after 3 attempts /dispute

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 2018-05-10 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: CORELOGIC INC
State: CA

Complaint narrative:
I had Noticed an unauthorized inquiries from Credco on XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX on 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 2018-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: HI

Complaint narrative:
XX/XX/XXXX my bank XXXX XXXX XXXX   sent a XXXX check to XXXX XXXX XXXX XXXX electronically. They never did get it. On XX/XX/XXXX it was cashed at a PNC Bank. Neither XXXX XXXX nor I have an account there now or in the past. I spoke with my bank and they have conducted a fraud/electronic foul play investigation and have reported that it did not happen. I called PNC Bank and because I don't have an account there they could not talk to me about it. They referred me back to my bank and tell them they must inquire about it. My bank is currently working on a ( source of receipt ). When I reported it to my bank she said it would take 60-90 days before PNC respond. She also told me that there are no laws that say PNC has to respond within that time frame. 
It was the last of my money and in my eyes they deliberately, intentionally and willfully stole money from me based upon they had no account to deposit it into.

Company response to consumer: Closed with explanation