vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My father passed away in XXXX, 2017 and I have been charge for his credit card from CAPITAL ONE. I never pay attention to detail on my bank statement. When I looked up my latest statement, I saw the charge on my statement from CAPITAL ONE credit car and I spoke to my bank ( XXXX XXXX XXXX  ) to do the stop automatic payment and they said that they can not do it. It has to be done by CAPITAL ONE. When I looked up the law for the stopping automatic payment, it says that BANK ACCOUNT HOLDER CAN REQUEST TO STOP THE AUTOMATIC PAYMENT. After that I requested to fraudulent payments and they said they can not return the money back since it is automatic payment but I told them it is fraudulent payment and been going over past few years in small amount. My bank says that I have to reach out to the Capital One and when I called Capital One, they said that I have to reach out to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: Synovus Bank
State: SC

Complaint narrative:
I had made a pay for delete payment with the credit card company and they have not held up their end of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX and 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 non-monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
OnXX/XX/2019 I ordered appliances from Home Depot, a XXXX range and an XXXX washer dryer combo for a newly renovated home.I used my Home Deport credit card.  Home Depot Credit Services XXXX XXXX XXXX XXXX XXXX, SD XXXX  My card ends in XXXX.On XX/XX/2019 Home Depot's subcontractors delivered the appliances and damaged my home.  They drilled 6 extra holes in the brand new floor while trying to learn how to install the stove anti tip bracket.   They tried to force the stove into it and broke the leveling leg on the stove. So now the stove sits crooked with a broken leg (see photos).  While driving away, the delivery men ripped wires from the building and damaged my roof where the wires were attached.I had to call 911 because wires were 3 feet off the ground and it blocked traffic and was dangerous.  I have attached photos of the responders fixing it so public traffic would not be impeded.  I have attached photos of a metal rail sticking up on their truck that ripped the wires down.I reported it that day on the phone and on the paperwork (see attached)I incurred $XXXX in repair bills fixing my roof.I have tried filing 3 disputes and all I get told is to deal with the delivery company or call the store.  I didn't buy from a store.  I bought online.  Homedepot.com referred me to their subcontractor who is giving me a runaround.  The credit card company is siding with home depot.  They are biased.

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 2019-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I’m having problem with XXXXXXXX XXXX in XXXX.And the frauds Bank Westlake Fin.Both auto dealer and this bank has been sued from many clients,I have purchased a Car in XX/XX/XXXXI returned it XX/XX/XXXX.i never recived any papers from the bank statement of how much was sold for,I never recived any court papers,Westlake Fin.Bank has put Collection on my credit for XXXXXXXX XXXX sales has put XXXX in collection.The car was bought for XXXXI have tried to disputed many times.XXXX  has been on them for few years.please help.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Trans Union received my dispute certified mail no. XXXX for a negative account listed on my consumer profile that was a result of fraud activities that should have been removed. They failed to do a proper 30 day investigation. Additionally I requested for them to NOT use the XXXX system and retrieve the police documentations and send it directly to the DATA FURNISHER for a 100% complete and accurate investigation.

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 2019-08-21 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX;XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX and XXXX XXXX XXXX;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY

Complaint narrative:
On XX/XX/2017 I took out a loan with One Main in XXXX, Ky. That loan was for {$10000.00} on a 4 year payment plan. My total payback was about {$15000.00}. I called today to get a payoff and I was told it was a little over {$4900.00} I called back to ask why the payoff was more than the balance, I was told it was an interest bearing account. When I signed the contract it was an installment. So I went to pull my copy of the contract which they gave to me in a folder and I never actually looked at my copy because I didnt have a reason to. I pulled it today they never actually gave me a copy of my signed contract they only gave me copies of the insurance disclosures. They insist I signed a contract agreeing to interest bearing and I did not and they didnt give me a copy of my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
Received a notice in the mail on XX/XX/2019 from Jefferson Capital Systems, LLC for a debt of XXXX. I called XXXX and spoke with a representative who explained this debt was from 5 years ago for a payday loan. I explained to the representative that I would be willing to settle the account with them for XXXX The representative needed to request approval from her supervisor and placed me on hold. When she came back on the line she advised me that they would be willing to settle and close the account for XXXX. I agreed and she took my payment over the phone providing me with confirmation number XXXX. She advised they would be sending me a letter confirming the debt had been paid and I would receive it in the mail. I checked my credit report and noticed the debt had been removed from my history.Unexpectedly onXX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX  requesting XXXX for the balance owed to Jefferson Capital Systems, LLC. Infuriated that Jefferson would say they were settling with me only to sell the remainder of the balance to another debt collector I contacted XXXX XXXX XXXX XXXX  and spoke with XXXX. I explained to her the situation and asked her if they could review my call with Jefferson to see that I was told the debt would be settled. She placed me on hold and stated her manager was going to work with Jefferson and I would receive a call back. The XXXX is now showing up on my credit report and decreased my credit score! I didnt hear anything back from this company, so todayXX/XX/2019 I called XXXX XXXX XXXX XXXX  again at XXXX requesting an update and the representatives are telling me they cannot locate an account for me. This debt of XXXX has significantly decreased my credit score and I want it removed! Please help me! I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I had a car loan with PNC XXXX. Loan was paid off onXX/XX/19 and I received the car title and lien release letter appropriately. PNC continued to debit my bank of america account with XXXX on XX/XX/19 as loan payment. my PNC online banking was closed abruptly ('standard procedure') so that I could not even stop payments on my own.I called PNC onXX/XX/19 to stop payment, case number XXXX XXXX XXXX. I am being given the runaround as to when I will get my money back. I am asked to call my Bank to file a dispute as to why the money has not been refunded to me. Apparently, the payment was never received by PNC. Then I am told it will take 14 business days. Then some extra days for this transfer or that.This is not the first time me contacting another consumer organization to help me with PNC. 30 mins on the phone call and no help in sight.I dont know what to believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I had made a pay for delete payment with the credit card company and they have not held up their end of the agreement.

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 2019-08-21 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: SC

Complaint narrative:
I had made a pay for delete payment with the credit card company and they have not held up their end of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: SC

Complaint narrative:
I had made a pay for delete payment with the credit card company and they have not held up their end of the agreement.

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 2019-08-21 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: DISCOVER BANK
State: VA

Complaint narrative:
I have been dealing with an ongoing issue with Discover card for two (2) years. I called customer service again today and spoke with XXXX  who advised that I had to contact the merchant to continue the process. I shared that I did not get the service nor amenities that were promised. The resort was extremely dirty and bug infested, my daughter suffered an awful XXXX XXXX and had to receive medical treatment. The resort did not have the number of resturants as advertised on their website. Discover has failed to properly investigate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect information is showing in my report 1. account showing as open 2. unverified account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My name is XXXX XXXX. I call TransUnion to Dispute on a debt, thats showing on my credit report. The account doesnt belong to me and I have no knowledge about it. I told TransUnion to do more investigation.just because they have my correct SSN and birthdate. 
I know, I havent open this account. 

XXXX. Lender name Amount is XXXX Date open. XX/XX/2017 I dont know anything of 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 2019-08-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After doing several disputes with XXXX and TransUnion  I am still not getting the investigation that I asked for. By all three companies not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all three companies and the Creditor asking for validation. The information was completely ignored from creditor XXXX. All three creditors failed to do an investigation before reporting false information.

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 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: U.S. BANCORP
State: OH

Complaint narrative:
we have contacted us bank concerning this problem. but they keep ignoring my pleas aboute the debit transactions being levied agaisnt me and account we have told them it was not our fault for these " overdraft '' fees we get social security payments?? and can not afford these overdraft fees. thes add up quitk-ly this is the second time this has happened we want all fees returned too my accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ohio

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 2019-08-21 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: WA

Complaint narrative:
My XXXX XXXX account was put into collections on XX/XX/2019. I have contacted XXXX and they have told me that i have never missed a  payment. It is impossible for me to make a late payment when my paychecks get garnished each pay period. XXXX have told me to do a dispute with Experian. I have done so four times and they refuse to fix my report saying the information is accurate. I have even sent Experian proof of payments along with a letter from XXXX stating i have never missed a payment. I have disputed this with Experian the following dates and each one has said the information is accurate.XX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I contacted XXXX on XX/XX/XXXX and they told me they let Experian know multiple times that the information is incorrect. How does this go straight to collections without being notified of a 30/60/90 day late payment?

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 2019-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My payment due date on my CapitalOne Venture One card wasXX/XX/2019 The balance due was XXXX. I am enrolled in Autopay. In order to avoid this amount from being withdrawn at one time, I paid XXXX on XX/XX/XXXXand XXXX onXX/XX/XXXX. OnXX/XX/2019 the amount of XXXX was withdrawn from my checking account as the Autopay. When I called CapitalOne the first clerk stated that my credits should have been reflected against my XX/XX/XXXX statement. She had to place me on hold to get assistance explaining why this was not the case. It was explained to me that my payments were being applied to current charges and not my statement. I stated that if the Autopay is able to adjust for credits from merchandise returns it should reflect payments made by me. CapitalOne agreed to refund my XXXX   payment made on XXXX XXXX but stated this will take 10 business days to post to my account. My concern is that this is deceptive. After reading the AutoPay Terms and Conditions, I do not believe CapitalOne is adhering to their own terms and conditions. After speaking with a CapitalOne representative she admitted there is a "glitch" in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contested 2 collections on my credit report with Transunion and there is no status. 
The amounts owed are medical and hospital bills that are covered by Medi-Cal. 
I have been working with XXXX, a legal aid society of XXXX XXXX, CA, on contacting the creditors. Since the creditors are not cooperative and are not submitting the bills to Medi-Cal,  and they are not willing to communicate with the XXXX rep, XXXX has assigned the matter to a legal case and turning it over to their legal team. If needed, I have a copy of the legal packet. The bills go back to XX/XX/XXXX and XX/XX/XXXX and are from the City of XXXX and XXXX XXXX XXXX. The amounts are around {$4500.00} and {$1900.00}. 
I have myself contacted the creditors several times and submitted
my Medi-Cal information to them numerous times with no results. The XXXX has requested the creditors to submit a {$0.00} invoice to me and to the credit bureau but they are not cooperative 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