vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Paid off balance. I always got paper statements although rep says that I opted out of paper statements. Paid off balance, was not called apparently because there was no consent agreement to call me. Went through consent agreement to call me with rep. Then called Discover to rectify issue because I never had a missed payment and this was all miscommunication. I informed them that I spoke to rep that said that was my payoff and was not informed of residual interest. They then informed me that they did not see any record of that phone call. Then informed me that they still did not have consent to call me, even though I went through it with previous rep. Informed them that there is a lot of mess up and miscommunication within Discover, which is what led me to a negative inquiry on my credit report. Stated that same way Discover has no trace of my phone call for pay off, is the same way they have no consent to reach out to me even though it was completed. Rep from web services says she saw the consent was completed and a copy was sent to my Discover inbox XX/XX/2019, however on other end was being told it was not done. Informed them that this is a mistake on their end and they should fix the reporting especially after being a customer for over 5 years and not one single missed payment, then paying off balance and getting hit with negative inquiry, manager would not budge. Told me that he was sorry I felt that way but it was reported accurately. I informed him that I just paid off over {$2000.00} debt, I would not run from a {$43.00} payment as my email shows. Although previous rep noticed the miscommunication and removed late fees and took my payment immediately. However through all of this, Discover raised my credit limit to {$4000.00}. If I did not have a great payment history, and if this does not seem to be a miscommunication on their end, why would a creditor raise the credit line for a consumer that is bad about making on time payments? The response to that question was oh wow. Im typing this as I am waiting on hold with discover for over an hour to get a copy of the original consent agreement that their web services see was in my inbox, however they have no trace of. screent shot of that was also included.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: Automated Accounts Management Services
State: ID

Complaint narrative:
debt collection agency Automated Accounts Management Services acquired my protected healthcare information, ( lab work performed, symptoms, diagnosis, treatment ) from  Hospital XXXX XXXX XXXX in XXXX. I never asked for my PHI to be shared with this fraudulent collection agency. I have filed numerous disputes and complaints. The fraudulent debt in question was removed from all 3 credit reports. Then 2 weeks later, XXXX  allows this company to turn around and re-report this debt that I'm not liable for. I have filed HIPAA complaints against the hospital and would like to see this company get fined for their disgusting business practices. They have shared my PHI with all the credit bureaus and I am in the process of seeking legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: GA

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: GA

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Previous complaint ( Case # XXXX ) remains unresolved but closed without allowing us to rebuttal. 

Re : Missing {$1500.00} Credit Payment ( 3 Attachments ). 

Obviously, Citi Card still did NOT do their investigation again! I have made it clear on multiple occasions that there were FOUR {$1500.00} payments made to Citi Card as reflected on my bank statements, but, only THREE were credited to my Citi Card. This is because the Conditional Credit of {$1500.00} issued on XXXX was reversed. 
How many times do I have to tell them FOUR {$1500.00} payments to my Citi card do not equal three {$1500.00} credits??? Citi Card did not do any work except focusing on one date which is XX/XX/XXXX, but the MISSING CREDIT is the XX/XX/XXXX payment of {$1500.00}, it was deducted from my wifes XXXX bank account ( ending in XXXX ), the bank statement is attached, I even marked a Question Mark? next to that payment made on XX/XX/2019, please actually read what we wrote this time, please! Unacceptable response from Citi Card!!! We are tired of spending hours and hours on each phone call with Citi Card to only have to start all over explaining as nobody investigated the file ; last time we sent them a 5-page Fax, but no one read them. We really need to be compensated for the extensive hours on this case. And today, I have called the Executive Response Unit of Citi Card at least three times after seeing the response letter, but no answer, no returned calls. 
I am attaching a detailed documentation again in a more simple form hoping someone smart enough to understand. We spent 5 hours alone on this updated detailed sheet ( please see attachment " Citi Card Payments Checklist XXXX '' ). After this, it's lawsuit time!!!!!!!!

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 2019-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
In XX/XX/2019 my Mortgage loan was sold to Loan care. 

Loan care has tried to force change the terms of my loan since acquiring this loan, including : -charging fees to make a payment via phone or internet, where I had no charge options under my previous terms from my original loan -Indicating I have a prepayment penalty on billing correspondence, which is a change of terms from my original loan -Loan care is asserting I must and harassing me to pay my property taxes with my payment, which is a change of terms from my original loan -On XX/XX/2019 Loan Care paid my property taxes without my consent. 
-I called to object as this is unwanted and it was put aside -Loan care has again tried to change the terms of my loan to force me to pay my taxes with the payment and is currently holding my, on time, XX/XX/2019 payment and playing games again. 
-The last days I received calls from an unrecognized number and they finally left a voice message, it was Loan care asking me to call. I did and can get not satisfaction within the company. These unlawful actions by Loan care are causing anguish, interfering with my life and taking my time. 
I ask Loan care to abide by the law and stop attempting to change the terms of my loan.

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 2019-11-21 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: OH

Complaint narrative:
I have a collection for XXXX XXXX XXXX being reported to my experian report. Currently even after disputing the information it still shows i have made no payments, remains unpaid and has been on my report for 9 years now which exceeds the 7 year rule by two years. I have contacted XXXX  XXXX and left a voicemail a week from today XX/XX/2019 but still have had no call back. I have disputed this with experian many times with no prevail. For the past many years my check has been garnished for this account plus past due arrears. My report does not reflect these payments nor does it show that i am paying on the past due balance. Never the less being reported 2 years past the 7 year law is taking advantage of my rights under the FCRA

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 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
Over the past month, I have received repeated phone calls, multiple times a day, from diversity consultants, stating they are calling on behalf of XXXX.when asked regarding the nature of their call, they refused to give me an answer, and continue to ask me for personal identifying information. they then hang up on me when I continue to inquire to the nature of their communications. I then get calls back from them multiple times a day, while I am at work, and on the device I use for work. I have not received any written communication from them or comcast regarding any dispute, and feel that their level of communication has risen to the degree of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: CA

Complaint narrative:
On XXXX XXXX, 2019 my credit report shows a hard inquiry from XXXX XXXX. I do not recognize this and would like for the credit reporting agency to remove this from my credit report 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 explanation
Consumer complaint received 2019-11-21 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a one time payment of {$100.00} using my debit card and thereafter the merchant processed two additional charges without my authorization. 

This caused two of my Capital One Accounts to become overdrawn. 

I disputed the charges with Capital One and phoned the merchant. The manager apologized, asked what card I wanted on file and debited the charges against my XXXX Credit Card Account. Additionally, as a goodwill gesture the manager issued an additional credit ( lifetime bucks ) to my merchant account. 

Today Capital One advised that my dispute was denied and that they would be debiting my account on XX/XX/19 for the charges. I phone Capital One and advised that I spoke with the company and provided the details of what occurred and that by debiting my Capital One account they would have paid the merchant twice. 

It is my belief that Capital One is not being thorough in its investigation and trying to make me perform their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
XXXX XXXX once again refuses to say how they can demand a signature on an identity theft report that's produced by the federal government and they can break the law section 605B of the FCRA by not blocking the items within 4 business days. There is a fradulent a dress on my XXXX XXXX XXXX report that was attached to a fraudulent account that they already removed, And yet they're claiming that I gave them this a dress on the phone and I'm telling them it was the fraudster probably. They have a police report that signed and good back to XXXX and this fradulent a dresses from XXXX and yet they are not blocking it they're asking me to go get something else notarized and sign which is totally against the law. 

The law is very clear in does not require what XXXX XXXX  is asking for. 
I want them to say how they derive the power to break the law simply because of a request they come up with as opposed to what the law says and requires. 
Because the FTC report says a business may require that a report be filed with the local law enforcement, It's not mean they can break the law and not block within 4 business days because the law allows them to put it back on if they find something amiss. They still have to block within 4 business days they can't add more time to the law is my claim and what they are doing is breaking the law. That's what I want stop because I'm sure they affect more than just me you don't have to act for an individual but act on the company that's breaking the law. 
I made a statement under the penalty of perjury which courts and the law say is sufficient in lieu of a notary. XXXX XXXX is not accepting this and they're demanding more from me which is a 100 % against the law

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 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is very troublesome, I have requested that this information be removed/blocked from my credit file due to identity theft. I am getting no where. Equifax will remove some items and overlook others that are on the same report. It is as if they are overlooked and not regarded. then when you call to speak to somoene it is like you dont even exist, This is so unfair,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I looked into doing a balance transfer because of the interest. I researched on a few websites that compared different credit cards, looking into 0 % balance transfer offers. I went with Capital One & that was a horrible decision!! It says on their own website & 3rd party websites that they have 0 % APR on purchases & balance transfers for 15 mths. I signed up, got approved, & transferred my balance from my old CC to the Quicksilver card. I realized later on my monthly statements I'm being charged 21.74 % interest! That is much higher than my previous interest rate and I have a great credit score. Capital One tells me I agreed to these terms and there is nothing I can do & they refuse to refund me for the interest charges. Why would anyone switch over to a higher interest rate?! Then they even tried to tell me I do have an offer of {$150.00} cash back if I spend {$300.00} ... why would I make more purchases if you already took my money?! THIS IS A BAIT & SWITCH SALES TACTIC & FALSE ADVERTISEMENT!! They do not even care that I am going to close this account & let people know that they are a horrible company ( maybe because they already scammed me out of a few hundred dollars for nothing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: CA

Complaint narrative:
On XXXX XXXX, 2019 I found inquiries on my credit profile I do not recognize. The inquiries in question is from XXXX XXXX  Credit Card, and XXXX XXXX. I ask that you remove these inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed this account for the past 2 years. When the account first popped up on my account I immediately had the accounts associated with this account removed from my account and didnt have any problems with XXXX  or XXXX  getting them removed back in XXXX. While Equifax was going through there breach they did not report any of this information. When they did report the information back in XXXX i started disputing this error. I have been disputing this fraudulent account for the past 2 years with Equifax and do not seem to want to remove this account. I have disputed and disputed, and disputed, and disputed and i dont know what else to do. The information used to obtain this apartment can not be provided. I have requested a copy of my drivers license, social security and application used to obtain this apartment and XXXX XXXX XXXX nor can XXXX XXXX XXXX  provide this information. I dont know who obtained this apartment and neither do they ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Creditors were told by getting paid bi weekly some payments are due before second pay period I have no control over husbands pay dates this was explained to creditors they dont try to help so credit can be repaired

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX I applied for a home mortgage with a national vendor. That vendor checked my credit report as part of their approval process. 

On the XXXX, XXXX and XXXX of XXXX I received unsolicited calls from a different vendor with whom I have no business relationship of any kind. 

XXXX XXXX  advise that they had not randomly called but had pre- qualified me for a mortgage based on information provided by experian -- including my income, employer, length of employment and credit score-as well as my home and cell phone numbers. 

When I called Experians ' corporate hq to ensure that they understood the privacy act of 1988 -- I was turned to the only source of consumer complaint -- a call center in XXXX XXXX where a barely able to speak english agent informed me that they had EVERY RIGHT to use my information in any way they pleased -- causing me to hang up and file this 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