vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-27 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They show on my credit report that my account was closed on XX/XX/2018 and was included in a chapter XXXX bankruptcy. But, they have the account type listed as " Open Account ''. That is inaccurate. It has resulted in points coming off my credit score that should not have. I have disputed it unsuccessfully with both XXXX and Equifax. They have been emailed by my attorney. At this point what they are doing is deliberate and malicious. I want the account type to be corrected and show that it is closed or for the account to be deleted from my report. Can they not be fined for deliberate malicious harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Sometime between XX/XX/XXXX and XX/XX/XXXX I had a issue with receiving my mail and ultimately missed a payment and contacted Kohl 's Credit to address the issue. In an effort to avoid late payments, I switched my account to paperless and set up electronic notifications which I don't receive ( throwing my hands up ). Of recent, on XX/XX/XXXX to be exact, I had sought an interest in purchasing a home only to find out that the late payment/dispute is still showing on my credit reports and affecting my credit score. On, XX/XX/XXXX, I phoned Kohl 's only to be informed that the resolution letter was sent back in XX/XX/XXXX, however, I have never received that letter, This is why I changed my account to paperless billing for the same reason and requested the original XX/XX/XXXX dispute. I asked if I could get a copy of that letter and was told that I could not receive a email copy and its only paper mail. I again challenged that information in asking that the late payment /dispute be removed and was told that the case would be re-opened and I would receive a letter from Kohl 's regarding my current request to investigate the old dispute of XX/XX/XXXX. The insane part is that I was actually told that it would be removed. Since XX/XX/XXXX and only a few days after, Kohl 's increased my credit limit from {$700.00} to {$1500.00}. It is apparent that they must find me a loyal customer and that I pay my account timely. More importantly, my home approval letter is on hold pending Kohl final resolution. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/2018 a charge for {$680.00} posted to my account from XXXX XXXX XXXX. The amount was for an estimate I received for work. I have used this vendor in the past, so my CC information was available to them and they billed me in advance without my permission. When the actual work was completed I paid XXXX grounds with a money order. A copy of which I provided to the credit card company at their request but I still do not understand how that was germane to my complaint. When I noticed the charge on my account, I contacted XXXX and requested a refund. XXXX refused my request and offered a credit towards future work. I declined as I did not want to utilize them again since they took liberties to bill my credit card without my permission. I called my credit card company and reported the fraudulent charge. I reported that I did not authorize the charge. My credit card has a chip embedded and the charge was not process by the chip, the magnetic swipe nor does the merchant have a signature on file verifying I authorized the transaction. I have made numerous attempts with my credit card company to have this fraudulent charge removed from my account without success

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
DIVERSIFIED CONSULTANTS, XX/XX/XXXX DIVERSIFIED CONSULTANTS, XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-28 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: MN

Complaint narrative:
THIS ISN'T MY ACCOUNT AND I CONTACTED XXXX COMPANY AND THEY SAID YOU DON'T HAVE AN ACCOUNT WITH US, AND AS WELL EXPERIAN I SENT LETTERS WHICH IS I WAS TELLING THEM I NEED A PROOF AND STILL TODAY I DON'T HAVE THE VERIFICATION THAT I ASKED. 

I demand the following accounts be verified or deleted 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 2018-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
I noticed there was a negative listing on my XXXX XXXX credit report Portfolio Recovery showing a XXXX XXXX as creditor. I do not have a XXXX XXXX account. So I wrote a letter on XX/XX/2018 requesting validation of debt. What the money was owed for ; Explain and show me how the debt was calculated ; Provide copies of any papers I signed agreeing to pay what they said I owed ; Identify the original creditor ; show me they were licensed to collect in my state ; and provides me with their license numbers and Register Agent. I received a form letter dated XX/XX/2018 and a credit card bill from XXXX XXXX. I do not know when or what was purchased or who did the purchase from the information I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2018 I placed an order with XXXX   for three football ( soccer ) shirts ( jerseys ) for an order totalling {$300.00} including shipping. Two of the three shirts were shipped promptly and my credit card was charged a different amount of {$280.00}. Upon checking their website after receipt of the two jerseys, I learned that the third jersey I had ordered was backordered. At the beginning of XX/XX/XXXX, after waiting several weeks for delivery, I cancelled the backordered item on their website and requested a refund of {$98.00} for the item that was never shipped. 

During XX/XX/XXXX I tried three more times to inquire as to the status of my refund through the merchants website but received no responses from them. 

I then initiated a billing dispute with my card issuer USBank on XX/XX/XXXX requesting a partial refund of {$90.00} which is 92 % of the disputed item quoted cost of {$98.00} The 92 % refund request was based upon proration of the amount billed of {$280.00} divided by the {$300.00} amount quoted by the vendor. 

Despite providing significant supporting documentation ( copies attached ) US Bank refused to provide the partial refund of {$90.00} for the soccer jersey that was never delivered.

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 2018-10-28 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: AR

Complaint narrative:
Late or Missed Payment ( s ) XXXX Account Number : XXXX XXXX Account Number : XXXX Reason for Dispute : I was never late and believe that this account ( s ) is invalid or contains incorrect information. Please validate this account ( s ) in its entirety or remove this entry from my credit report. Thank you.

Public Records : Reference Number : XXXX Reason for Dispute : I believe that this account is invalid ( not mine ) and contains incorrect information. Please validate this account in its entirety or remove this entry from my credit report. 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 2018-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I tried buying a XXXX  game acount a got scammed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-28 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: LEXISNEXIS
State: AR

Complaint narrative:
Public Records : Bankruptcy Date Filed : XX/XX/2016 Reference Number : XXXX Type : UNKNOWN Reason for Dispute : I believe that this account is invalid ( not mine ) and contains incorrect information. Please validate this account in its entirety or remove this entry from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 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: NY

Complaint narrative:
I don't have any contract with XXXX # XXXX ( XXXX XXXX  XXXX, XXXX , IL XXXX ), I don't have any contract with XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX , TX XXXX ),  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX is an incorrect address.

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 2018-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am a single mom XXXX years old, for XXXX kids I work so hard to fix my credit card 2 years before that and it was great, but after my mom being so sick and her XXXX get worse, I started to lose my focus and my job started to complain, I left my first job and little by little I started to freak out and I wasnt able to do anything right, even watching my kids I cant keep up pay my won bills and off course cant pay for my credit I was looking for credit consultants to help me out for more organized but after 2 months I was almost work part time to be with my mom most the time my friends in church was help me with the kids but finincialy I felt apart, and it was 12 credit cards, I really dont remember the amounts 1XXXX 2-XXXX  XXXX 3-XXXX 4-XXXX  5-XXXX XXXX 6- XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX 9-XXXX 10-XXXX 11-XXXX  XXXX 12-XXXX After my mom passed I full apart and I been hospitalized 3 times in one month in XX/XX/2018 And I figured out that after all the health assessment that I have XXXX/ XXXX and that was explained why I was so attached like that to my mother and why I was so XXXX  and full in deep XXXX since I sow her going Down to death. 
But now I start to get my life together now I started to study back to get my certificate as XXXX XXXX XXXX  ( XXXX ) exam and I hope I can fix this situation.

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 2018-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Please see attached XXXX Police Report Pages 1 -10 ; www.IC3.gov FBI internet crime Report pages 1-7, FTC report number I am a victim of a Grand Theft California Penal Code PC 487 grand theft level : felony. 

Google Play Account Holders falsely representing themselves as " XXXX Support '' and scammed me our of {$2000.00} on XX/XX/2018. 

Per XXXX Police investigation " Google Play '' has data access to track purpetrators and track transaction details to dispute and credit the {$2000.00} charges to include 1.The actual data entered by the user to get a Google account 2. The email for the Google account user 3. The IP address for the user regarding all transaction on the Google account including email purchases playing from remote devices etc. 4.The end IP addresses for all email and messages sent from google account users 5. The actual emails and messages and contents there of that were sent received 6. The physical location of the users IP addresses that Google logs for each search each purchase and any delivery 7.The type of purchases, products, services but through the Google account and any clues that might collectively provide 8. The type content and language is used including syntax of words and phrases search through any of Google search engines while logged into the Google account I have brought up all these issues to google play at XXXX they provided me with a report number but have failed to give me any sort of refund I am requesting and demanding an immediate refund of {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Greetings, I opened my first credit card with Capitalone in XXXX. They closed my credit card in XXXX without any clarifications. With 100s call and emails, they recommended me to open a new credit card. I opened my new credit card in XX/XX/XXXX and they closed that within a few weeks. They keep sending me many promotional offers. Again, I opened my new credit card in XX/XX/XXXX, and they again closed my credit. Capital one is ruining my credit score. I do not understand why they closing my credit card. Why they send me promotions if they want to close it. I want justification. I need an exact reason. In my entire life, I never did any late payments. My credit score is excellent ( more than 750 ). I have no bad credit history. No one can find even a single instance which is linked to my bad credit history. I want exact clarification. Why capitalone keep closing my credit card. I also want Capital one to provide the member benefits which was part of the card during my credit card opening. I opened this credit card because they sent me promotional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 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: LEXISNEXIS
State: ND

Complaint narrative:
I have contacted LexisNexis about a bankruptcy appearing on my credit report from XX/XX/2010. I asked the rep at LexisNexis how they verified this account as accurate, and he stated that they obtain their information from public records and sell it to the 3 bureaus ; XXXX, XXXX, and XXXX for profit. Under the FCRA laws, LexisNexis MUST obtain their information DIRECTLY from the ORIGINAL CREDITOR of the account, or it should be deleted from my credit report immediately. As you can plainly see in this letter which I have included from the United States Bankruptcy Court in XXXX, ND, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If LexisNexis is not verifying this account information with the ORIGINAL CREDITOR, they are in violation of FCRA laws, and this bankruptcy should be deleted from their records and from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: CA

Complaint narrative:
XXXX XXXX told me that I had a debt with them. I faxed a letter to XXXX, as the CFPB directed to ask for clarification. I did this on XX/XX/2018. I have still not recieved a written notice of clarification. So, I assumed that the debit was invalid. 
I was then contacted by a collection service ( State Collection Service Inc. ) trying to collect the debit, on XX/XX/2018. XXXX had still not provided me with a written clarification of the debt. The CFPB website stated that if they tried to seek judgment for payment of the debt without first providing written verification, they would be in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I used '' TransUnion '' website to check credit report, they charged me {$21.00} without my permission or knowledge that a transaction would take place. 

Information of Incident : Date : XX/XX/2018 Time : ~XXXX~ XXXX  ( Not sure about exact time, but around XXXX XXXX ) Amount : {$21.00} Charge Info : XXXX XX/XX/XXXX TU *TRANSUNION XXXX CA I immediately looked up on XXXX if this is even allowed to happen, and found out TransUnion was a scam, and cancelled my account ( hopefully it is cancelled, there is no way to tell if it is ) on TransUnion around XXXX XXXX XXXX~ XXXX the same day, in fear of reoccurring payments without my authorization or consent.

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 2018-10-28 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: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I dont recall ever doing any kind of business with this client. They have made three unauthorized inquiries on my credit reports.

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