vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-03 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: Avant Credit Corporation
State: TX

Complaint narrative:
Avant sent me this notification in XX/XX/XXXX that they filed an update for her account to the credit reporting agencies.This update reported Ms. XXXX account as settled in full as of XX/XX/XXXX, removing any and all negative reporting from XX/XX/XXXX through XX/XX/XXXX. Please be advised that the credit reporting agencies follow their own policies for updating credit reports and it may take a few days for this update to reflect on her credit report. 

As of XX/XX/XXXX that has yet to happen. My credit report is still showing this company on my report and it is still showing that it hasn't been update since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
1. On or about XX/XX/XXXX, I agreed to pay XXXX for their Diamond Package, charging to my Barclaycard {$13000.00}. 
2. XXXX did not deliver the products and services they contractually committed to. 
3. I attempted to resolve the issue with XXXX  via phones, email, and websites over the course of 6 months. 
4. On or about XX/XX/XXXX I discovered phones, email and websites were shut down by the FTC. 
5. XXXX was closed by the Federal Trade Commission ( FTC ) on XX/XX/XXXX. 
6. On or about XX/XX/XXXX, I asked Barclays card to step in and help resolve the non-receipt of goods and services issue with XXXX  7. On or about XX/XX/XXXX I provided Barclaycard over 50 pages of detail supporting XXXX XXXX non-delivery of agreed-upon products and services 7.5. On or about XX/XX/XXXX Barclaycard assigned a Claim ID XXXX. 
8. Since XX/XX/XXXX I have communicated with Barclaycard numerous times both in writing and responses to calling service agents. 
9. On or about XX/XX/XXXX I provided Barclays an additional package of over 50 pages of detail supporting XXXX XXXX non-delivery of agreed-upon products and services. 
10. I specifically asked Barclaycard for their protection under The Fair Credit Billing Act and I have been completely ignored. 
11. I continue to receive harassing calls and false statements. 
12. On or about XX/XX/XXXX, I wrote to Barclays requesting an immediate resolution of this matter and to cease harassing phone calls and emails.

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 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX continues to furnished paid improper information on credit file. Continue to reach out to company regarding item on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: TX

Complaint narrative:
XXXX sent me this notification in XX/XX/XXXX that they filed an update for her account to the credit reporting agencies.This update reported Ms. XXXX account as settled in full as of XX/XX/XXXX, removing any and all negative reporting from XX/XX/XXXX through XX/XX/XXXX. Please be advised that the credit reporting agencies follow their own policies for updating credit reports and it may take a few days for this update to reflect on her credit report. 

As of XX/XX/XXXX that has yet to happen. My credit report is still showing this company on my report and it is still showing that it hasn't been update sinceXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX sent me this notification in XX/XX/XXXX that they filed an update for her account to the credit reporting agencies.This update reported Ms. XXXX account as settled in full as of XX/XX/XXXX, removing any and all negative reporting from XX/XX/XXXX through XX/XX/XXXX. Please be advised that the credit reporting agencies follow their own policies for updating credit reports and it may take a few days for this update to reflect on her credit report. 

As of XX/XX/XXXX that has yet to happen. My credit report is still showing this company on my report and it is still showing that it hasn't been update since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: DE

Complaint narrative:
Debetor 1 : XXXX XXXX Debetor 2 : XXXX XXXX Chapter XXXX Bankruptcy Petition Filed on XX/XX/XXXX Attorney Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , DE XXXX Trustee Info XXXX XXXX XXXX XXXX , DE ( XXXX ) XXXX CLAIM DETAIL Claim Number XXXX Claim Description SECURED VEHICLE XXXX XXXX XXXX Account Number XXXX Claim Filed Date XX/XX/XXXX CREDITOR INFORMATION Creditor Name AMERICAN CREDIT ACCEPTANCE Mailing Address XXXX XXXX XXXX XXXX. 
XXXX, SC XXXX Payments have been made to creditor American Credit Acceptance, monthly as provided in account ledger under the repayment plan chapter XXXX. 

Most recent payment XX/XX/XXXX In XX/XX/XXXX or XX/XX/XXXX, creditor American Credit Acceptance repossessed vehicle and later released vehicle after phone call from customer. 

XX/XX/XXXX creditor American Credit Acceptance again repossessed vehicle. 

The repossession of the vehicle causes unnecessary infringement on customer, whom is under terms of contract and repayment plan with bankruptcy.

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 monetary relief
Consumer complaint received 2019-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called Capital One customer service on or about XX/XX/XXXX and made a request to change my payment due date from the XX/XX/XXXX of each month to the XX/XX/XXXX. The representative informed me that my request was approved and that it would take up to 1-2 billing cycles before the payment date would change. I was advised by the representative to continue to make payments on my current due date until I see the new due date reflected on my card statement. I made my next payment on XX/XX/XXXX as  instructed. Then on XX/XX/XXXX I received an email notification from Capital One that my statement was ready and was over the limit. I then received notification from XXXX XXXX that there was a substantial decrease in my credit scores. I never received any notification on my statement since making the initial request that the date had been changed as Capital One promised I would. I had charged the card up to the limit and had plans to make a substantial payment on XX/XX/XXXX that wouldve prevented any negative impact to my credit score. Capital One charged a late payment fee and my normal interest which took me over my limit. I was making plans to try to get a business loan and due to Capital Ones negligence I do not meet the minimum score requirement anymore! I am furious and when I contacted them to inform them of what had occurred I was accused by their customer service representative of being negligent for charging my card account too close to the limit! The nerve! I was granted that limit and can charge up to within XXXX XXXX of that limit as long as I do not breach it and make at least the minimum payment as instructed by the card company on my scheduled due date! This was insult to injury and inconsiderate to me as the customer who is expressing that damages where suffered due to the lack of notification provided by Capital One. To make matters worse my wife is an authorized user and her credit saw a substantial negative impact as well! I escalated the call and after an unfortunate amount of back and forth a supervisor removed the late payment fee but no other action was taken. I was advised that I could write a letter, not speak with someone but write a letter. Not email a department but WRITE A LETTER to dispute the issue! It would take 30+ days plus 7+ days mailing time to even receive a response!! So the burden is mine to prove the obvious?! On top of that I have to be subjected to their antiquated disputes process! It didnt take a written letter and more than a month for them to offer and extend me credit so now that theres an issue the process is slow and difficult in an effort to deter cardholders from moving forward. Im terribly disgusted with this company and their lack of regard for their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
I never applied for this and would like it immediately removed. This was the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I noticed an account placed on my credit by this company and took the initiative to call and asked for validation of the debt in order to resolve and reconcile the account in question. I recall speaking to a female representative who informed me I would receive an Itemized bill to breakdown the charges as well as services render. I provided both my email and mailing address and have yet to receive document to date. Around that same timeframe the company did remove the account from my credit in which I thought was to have me validate and confirm charges with the requested documentation, NOPE! ( Because I never got it ).  Ironically they placed it right back which affected my score immensely. How do you want me to pay a debt but refuse to send me documents? its been more than 6 months since I requested this! Not ethical or logical! Furthermore, if they are refusing to validate the debt it is not fair practice to keep placing this on my credit and then later decide to remove it just to place it back.! Collecting on a debt but refusing to send proper validation! Unbelievable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: LEXISNEXIS
State: WI

Complaint narrative:
On XX/XX/XXXX I sent my second certified letter asking for a method of verification on a bankruptcy that they are reporting incorrectly on my profile and reporting to the other credit bureaus they received my letter on the 11 and they had 15 business days to verify how the got this information and I informed them that it had to be from the original creditors which in this case would be the Wisconsin bankruptcy court I also sent them a letter from the bankruptcy court stating they dont report to any credit agencys or any 3rd party creditors so they are in violation according to the fair act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: BARCLAYS BANK DELAWARE
State: MT

Complaint narrative:
This was the result of identity theft ; I can't recall ever submitting information to this company. 
Please remove immediately : BARCLAYS BANK DELAWARE Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, DE 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 2019-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I noticed an account placed on my credit by this company and took the initiative to call and asked for validation of the debt in order to resolve and reconcile the account in question. I recall speaking to a female representative who informed me I would receive an Itemized bill to breakdown the charges as well as services render. I provided both my email and mailing address and have yet to receive document to date. Around that same timeframe the company did remove the account from my credit in which I thought was to have me validate and confirm charges with the requested documentation, NOPE! ( Because I never got it ).  Ironically they placed it right back which affected my score immensely. How do you want me to pay a debt but refuse to send me documents? its been more than 6 months since I requested this! Not ethical or logical! Furthermore, if they are refusing to validate the debt it is not fair practice to keep placing this on my credit and then later decide to remove it just to place it back.! Collecting on a debt but refusing to send proper validation! Unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: NC

Complaint narrative:
I have sent several letters regarding my accounts with Equuifax. They are nor reporting correctly and they refuse to remove these account. These accounts are fraud and they are not removing these and using stall tactics. I refuse to keep being a victim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alacrity Collections Corporation
State: PA

Complaint narrative:
I placed an online order with XXXX  XXXX XXXX on XX/XX/XXXX, with delivery scheduled ( via the tool on their website ) on XX/XX/XXXX. Every item I ordered was clearly marked as In Stock and Ready to Ship. My order did not ship on XXXX. I contacted the company over and over, and was repeatedly promised shipping dates that came and went. 

Finally, on XX/XX/XXXX, I notified them that theyve missed too many deadlines and directed them to cancel the order. On XX/XX/XXXX, I received an email saying that they were shipping my order. I replied within 11 minutes that the order had already been canceled. On the same day, I received an email from XXXX XXXX from XXXX XXXX XXXX, apologizing for this unfortunate situation and assuring me that she would contact XXXX to have the order returned. Per XXXX, the order was returned back to the company on XX/XX/XXXX. Now 6 months later, they've fraudulently sent the account to collections ( a total of {$1000.00} ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received my first overdraft fee in years of {$35.00} from Bank of America on XX/XX/XXXX. I made a rent payment from my BOA checking account in the amount of {$1200.00} that would not post until a later date. Unbeknownst to me, my actual account balance, including that payment, was not reflected immediately upon payment. It was my understanding that the payment would appear as pending and my available balance would be adjusted to reflect this. Because this was not the case, it appeared as though there were sufficient funds available to make additional purchases through this account. Once the payment of {$1200.00} was withdrawn from my account on XX/XX/XXXX, my account was overdrawn by the amount of {$170.00} and the aforementioned {$35.00} fee was applied. I was not able to pay this fee or negative balance until XX/XX/XXXX and had no plans to use this account until that date. However, autopay was setup with XXXX XXXX XXXX for the amount of {$50.00} every XX/XX/XXXX day of the month. There were insufficient controls in place by BOA to inhibit this charge. This was the first month that payment would be returned due to insufficient funds. Ideally, BOAs overdraft protection would prevent this. However the opposite was true. The same merchant was allowed to attempt to charge my account three times and each time BOA returned that charge to my account and collected a {$35.00} fee from my checking account without my knowledge or any attempts to inform me that this was occurring. This practice is highly predatory and intentionally misleading. I contacted two customer service representatives who informed me that BOA willingly allows merchants to do this and they do not typically inform their customers that they are being charged additional fees. In total, I have been charged {$140.00} in fees that couldve easily been avoided had I been informed by Bank of America or if BOA had processes in place to prevent this. I have held this account since XX/XX/XXXX and it is disappointing to be taken advantage of in this way. I intend to reach out to my State Attorney General to pursue resolution for the matter should BOA be unwilling.

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 2019-11-03 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:
I have items on my credit report that are not mine and that noone can tell me who or what i can help me. I have inquires that are not made by me that equifax is refusing to remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX. I have a problem with one of my Capitol One credit cards reporting 30 days late on my report. In XX/XX/XXXX I lost my credit card, I did not notice card was missing and never opened statment be cause I paid off ballance in XX/XX/XXXX. I found out when I applied for a loan that card was reporting 30 days late. I called capitol one and explained what had hapened. I filled a police report, I wrote a leter to capitol one explaining what happened. After a month or so they rufunded charges, but they never removed 30 day late from my credit report. I have tried to resolve this through phone calls and letters but have been unsucsseful, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
I have a william sonoma credit card from barclays bank. this account was sold to XXXX XXXX  in XX/XX/XXXXto which i was not notified or given a new card. i put a balance transfer on this card around XX/XX/XXXX. i then wanted to pay off this card with a 0 percentage card offer from XXXX  . XXXX sent the payoff amount of XXXX to the information from my william sonoma card issued by barclay bank. i have the etf number and confirmation from XXXX on the transfer. barclays bank of delaware said they never got the payment and XXXX XXXX  who took over this account in XX/XX/XXXXsaid they never got the payment. i am now paying both credit cards and no one will accept responsibility for the payment. i have been continuously calling all three banks and getting no where. can you please help me. thank you XXXX XXXX email XXXX XXXX XXXX XXXX XXXX XXXX XXXX nm 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 monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I applied for low income apartments and they sent me a letter statement saying they couldnt approve me because of something with my credit report so Im trying to find out what happened.

Company response to consumer: Closed with explanation