vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-23 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: HW Holding, Inc
State: NC

Complaint narrative:
Hunter Warfield was not my oringinal collection agency it was XXXX XXXX   which means XXXX XXXX wrote off my debt in their tax return and the contract was canceled with XXXX XXXX and I shouldnt owe Hunter Warfield anything. I spoke with Hunter Warfield twice to reduce the amount to pay because with the negative payment on my credit I am unable to quailfy for another house. The customer service representative only reduced it by {$50.00} dollars.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX inquiried about my credit on or about XX/XX/2018 without my permission. I authorized this dealership to submit a XXXX credit application only. XXXX XXXX XXXX inquiry was suppose to be a soft inquiry but shows as a hard inquiry. I notified XXXX XXXX XXXX of the error and their finance manager provided the attached email for clarification. I tried to attempt to dispute this inquiry on Experian website but there was no option to do so.

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 2018-03-23 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: CA

Complaint narrative:
I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. 
My first letter dated XX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is a credit report with all frivolous items still present. 

The following accounts are frivolous and needs to be removed asap. 

XXXX XXXX REF # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 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: CA

Complaint narrative:
I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter datedXX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is a credit report with all frivolous items still present. 

These are the frivolous accounts that needs correction/ removal asap. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX REF # XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-03-23 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I just checked my credit score and there is 2 hard inquirys that Im not familiar with at all. I never applied for XXXX or XXXX. Please Im only XXXX so Im trying to help my score, but these hard inquiries are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: CA

Complaint narrative:
I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter dated XX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All Ireceive is a credit report with all frivolous items still present. 

The following accounts are frivolous and needs to be removed asap : XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX REF # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ref # XXXX 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 2018-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION
State: NC

Complaint narrative:
On Monday XX/XX/XXXX I noticied that I received an additional overdraft fee for a transaction that was conducted on the XXXX. When I spoke with the rep she stated that it was a result of processing on the merchants end. At that time I was in the negative and was not notified that I would need to bring my account positive within a certain time frame. On Wednesday the XXXX I set up an ACH debit to come out of my account. When I checked the mobile app and ATM on Thursday the item was not pending. When I checked my account on Friday the item had posted and I was assessed a overdraft fee. Had the item been shown as pending or I was notified that the item would be coming in I could have made the account positive to avoid fees. I was also assessed a fee for my account being OD for 7 days. Had I been notified that this would occur then I would have again attempted to bring the account back positive

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I called XXXX XXXX and settleted my debt of {$250.00} on XX/XX/2018. I have payed this off and it still show on my credit report in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI

Complaint narrative:
I just checked my credit score and there is 2 hard inquirys that Im not familiar with at all. I never applied for XXXX or OneMain. Please Im only XXXX so Im trying to help my score, but these hard inquiries are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Assoc, settled on XX/XX/XXXX for XXXX this account still shows on my credit report in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had a Capital One Platinum XXXX XXXX for a few years now. I always receive a billing statement a few weeks prior to my payment date which is the XXXX of every month. 
I have been making all of my payments on time and more than minimum amount. I noticed that I did NOT receive a billing statement for the month of XXXX. I thought perhaps it may have been delayed and waited until the XXXX. I still had no billing statement by the XXXX so I called the customer service number on the back of my card. It took several minutes of navigating their answering service to finally speak to a customer service rep. When I finally connected with the person, I could barely understand him. It took me nearly 30 minutes to make him understand that I had NOT received a billing statement for XXXX. I told him I WANTED to pay my balance of around {$40.00} and offered to do it over the phone using my bank debit card. He stated that my type of account was not eligible for phone payment. He then put me on hold and returned saying that that Capital One would issue a new statement within 4 to 6 working days and would " consider '' waiving the late fee after my payment was made. As of this date, I still have NOT received an up to date billing statement from Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-23 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citigroup has implemented a policy which is anti 2nd amendment ... anti business ... anti commerce ... anti American ...

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 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Unfair, deceptive, and abusive practices. Changing corporate policy with clear political agenda.

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 2018-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient said I could lower my monthly payments through income repayment plan. After requesting the plan, my monthly payment increased rather than decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
There is an old account with XXXX that is reporting on XXXX. It was included in Chapter XXXX bankruptcy discharged. It should be removed from the report. I no longer owe them. Tt is causing me to be declined.

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 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
calls on XXXX XXXX from Portfolio Recovery re debt of approx {$6900.00} from 2012. Asked they stop the calls because I'm on SSDI with no assets of any kind. Asked that a judgement be taken for this if it hadn't been done yet ( I believe it has ), put a note into my file regarding inability to pay and to stop calling. They continue to call even when I told them I am reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I signed up with a debt relief company I had been paying off debts I had kept getting calls from 2 creditors on the list in line to be paid .. They ignored the debt relief company sent summons to court ..so I left the debt relief company it has been a long struggle to pay them and every lawyer I talk to said it wasn't legitimate? I am out close to XXXX ... Now got a lawyer for bankruptcy they tried to contact this company with the summons to have this court date extended they ignored them to so now I missed this court date now I am under the threat of having my XXXX check taken from the bank.

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 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
To Whom it may concern, Citigroup will eventually be passing judgement on all of my transactions that might be considered politically incorrect. Starting with paying for time at my local shooting range, buying supplies for my church, renting a fishing charter, increasing my carbon footprint by purchasing air-fare or a down payment on a large SUV. Denying me the ability to purchase goods because the bank does not agree with my personal beliefs is taking a political stand counterproductive to business. 
Had I known this was the stance they would take I would not have opened my account. Honestly I will probably move my business elsewhere unless this is addressed. 
Thank you for your time and I look forward to hearing from 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 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Account number XXXX Invoice number XXXX Balance due {$33.00} CPA Reference number XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX I do not have an account with XXXX XXXX XXXX XXXX . I have requested evidence of the account. I'd like to know who opened this 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 2018-03-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I used equifax website to initiate credit freeze approximately 6-9 months ago. I received a letter shortly after telling me that they needed more ID sent certified mail to initiate the freeze. I never sent the information back to them. 
This week I was informed by a bank that I would like to open a CD account with that I do have a freeze on my account and they needed me to unfreeze it to check my credit and open the CD account. I called equifax they told me to open a lock and alert account, which I did, but can't log into-they say there having tech problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: CA

Complaint narrative:
In correspondence dated XX/XX/18 I sent this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. This is the frivolous account ; XXXX XXXX XXXX XXXX Account # 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 2018-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My car was paid off on XX/XX/XXXX. To date, I have NOT received the original title or the refund check of {$39.00}. I contacted Chase by phone on XX/XX/XXXX. Chase assured me that I would receive in the mail, a re-release letter by XX/XX/XXXX. The refund check would follow shortly.

OnXX/XX/XXXX, I had to contact Chase AGAIN and make a SECOND request to re-issue the documents in order to obtain an original title. Chase now says that the necessary paperwork should be completed byXX/XX/XXXX and I should receive it by mail. 

It has been OVER two months since the car was paid off and I still do not have an original title to the vehicle. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
I had a credit card with XXXX XXXX XXXX and my limit was {$400.00} on that card and you can't go over that limit, ever. Well, XXXX XXXX   hired a law firm of Peroutka , Miller , Klima & Peters , P.A . to collect the debt. I paid it off last year, {$400.00}. They were trying to get me pay almost {$700.00} for this debt and we agreed upon {$480.00}. So I paid them {$400.00} which was all I could do. Well, now they filed suit against me again at XXXX Court and filed a Garnishment Summons along with XXXX XXXX, which I no longer have an account with them. This is the fourth time they are trying to harass me and threaten me with court and now garnishment for another {$430.00} when I only owe {$82.00}, however, I feel I paid it off in full, I only owed XXXX XXXX/XXXX XXXX {$400.00} EVEN. I am unemployed and told them that, I'm disabled and I told them that, I'm not making any money and haven't filed taxes in years due to not making anything. I have tried to work it out with them and here they come again threatening me with a garnishment suit and now making false allegations and saying I now owe {$430.00}, this is a false amount and this has to be illegal. I suffer from XXXX and now they are causing me XXXX XXXX and I can't take this anymore. I need help!! I filed a letter with them and the court explaining everything and yesterday they sent another legal form from the court with hearing date and I need this to stop and stop them from trying to ruin me and causing me major XXXX XXXX and setting off my XXXX. HELP!!!!

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 2018-03-23 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: AZ

Complaint narrative:
Dear Consumer Finance Protection Bureau, I am writing to report that it appears Capital One has presented a false appearance of resolving this issue to the CFPB. Once the CFPB case was closed, Capital One reversed all corrective actions it had made after acknowledging and implementing the resolution.

Capital Ones actions in this matter appear to rise to the level of negligence under Arizona case law.

On XX/XX/XXXX I received a letter from Capital One ( See attached Exhibit 1 ). Capital One stated that the charges would be removed and their apology for my inconvenience, which was done.

On XX/XX/XXXX, the CFPB case was closed.

OnXX/XX/XXXX & XX/XX/XXXX the Capital One resolution actions were reversed.

On XX/XX/XXXX, a certified letter ( See attached Exhibit 2 ) was sent to Capital One and received on XX/XX/XXXX explaining that Capital Ones actions in this matter appear to rise to the level of negligence under Arizona case law. I have received no response.

Capital One, through their agents was party to the fraud perpetrated against me. Acknowledging this is not the typical fraud case and the types of fraud is growing at an alarming rate, Capital One should have alerted me of this possibility and should re-implement the corrective actions by removing the fraudulent charges and associated interest and fees.

Thank you in advance for your prompt assistance in getting this issue resolved.

Company response to consumer: Closed with explanation