vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I noticed that the zero APR in the Capitol One Quick Silver card expired. I called to talk to the customer service representative around XXXX EST. Since Capitol One has been charging around $ 180 monthly finance charge for 4 months, I asked the representative to waive the last finance charge. She became very unprofessional and immature and questioned me that " you had 18 months to pay for the card '' I told her if I have the money I would have paid them. I also added that unlike other banks such as XXXX   XXXX XXXX and XXXX XXXX that I also work with and they honored my request and waived the late fee, they should also think of the customers ' financial difficulty and be more accommodating. She then started giggling as if anything is funny. I told her she is very unprofessional and she hung up on me. Since she told me that the conversation is being recorded, I would like this employee ( whom I could not even get the employee ID of since she hung up on me ) to be reprimanded for her lack of professionalism and cooperation. I have had bad experiences with Capitol One which I have not had with any other banks throughout my credit history since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Agency of Credit Control
State: CO

Complaint narrative:
A debt collection company contacted my former employer of mine and noted that they confirmed a medical debt of mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: Kross, Lieberman & Stone, Inc.
State: TX

Complaint narrative:
This company is reporting information on my credit reports however they are not legally permitted to collect in my state because they are not bonded in Texas. I currently live in Texas and have always resided in Texas. I have checked the website of my secretary of State with the information they provided on my credit report. My search concluded that THEY ARE NOT BONDED in my state. Not only that, I have sent several 609 letters asking for them to " Verify '' the information that they are reporting because these debts are not mine and doesn't belong to me. They have yet to provide adequate proof and still reports on my credit. Please note the following information pertaining to the debt collector including their address, Bond number, Amount they are reporting and date they reported : 1 ) Kross Lieberman & Stone Inc XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Bond number XXXX AMOUNT reporting {$1400.00}

Company response to consumer: Untimely response
Consumer complaint received 2018-04-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Account NameCHASE CARD Account XXXX Account TypeCredit Card Date Opened XX/XX/2009 I have disputed this account via XXXX  online dispute center and I feel as if the matter was not investigated correctly. I pulled a copy of my credit report on-line and found that they are reporting the following delinquent account that past the 7 year reporting time as allowed under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had taken out a free trial for XXXX $ with experian two different memberships I was charged for {$29.00} which came to XXXX  $ per month. I called in an cancelled both memberships it was never cancelled and I was charged forXX/XX/XXXXand XX/XX/XXXX. I just noticed on my credit card billing the lady I spoke with onXX/XX/XXXX was never cancelled they just told me again onXX/XX/XXXX that it was cancelled and only refunded me one month when I was charged for 4 payments of {$29.00} on both memeberships I want my refund for XXXX $ to be reimbursed. I called in I know calls are recorded and experian did not do their part of cancelling the service and giving my credit like she told me in XX/XX/XXXX. my confirmation number they just gave me is XXXX and I had a confirmation from XX/XX/XXXX but didnt keep it the ID # 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 monetary relief
Consumer complaint received 2018-04-04 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Starting XX/XX/XXXX someone used my information to apply to XXXX XXXX XXXX in order to obtain a credit card for XXXX. I have talked with chase bank and they were supposed to flag my account. As they couldnt trace back to the email or XXXX account that keeps attempting to get approval for a credit card. I now have 5 hard inquiries on my XXXX   credit report. All from chase bank. The dates are as follows ... 
XXXX, & again XX/XX/XXXX. I have put a fraud alert on all 3 credit bureaus as of today XX/XX/XXXX. I want these hard inquiries removed. And chase bank to stop allowing it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 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: NY

Complaint narrative:
Account NameXXXX CARD Account XXXX Account TypeCredit Card Date Opened XX/XX/2009 I have disputed this account via Experian online dispute center and I feel as if the matter was not investigated correctly. I pulled a copy of my credit report on-line and found that they are reporting the following delinquent account that past the 7 year reporting time as allowed under the Fair Credit Reporting Act.

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 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need some help, there is an inaccurate account listed which is FALSE information and I have brought it to the attention of XXXX which I received there response stating they aren't going to help unless I provide them with supporting documents which how would I have if it is inaccurate and false information listed on MY personal credit file and TransUnion how can they report inaccurate data like this how can one be current as of XX/XX/2012, 30 days XX/XX/2012 and XX/XX/2012 charged off. This account which is false XXXX XXXX   XXXX needs to be removed

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 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I called XXXX XXXX to dispute my debt and they informed me my account went delinquent on XX/XX/XXXX but my date opened on account says XX/XX/XXXX, ive informed them to validate the debt but they never changed open date which i felt like was re-aging. I never paid anything towards the bill because I was XXXX so their should have been no reset of time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit scores have been affected by the derogatory information on my credit file by several creditors. I have never given the creditor permission to report any information to my credit report, the information reported is not updated correctly, and according to the Fair Credit Reporting Acts Section 609 ( a ) ( 1 ) ( a ) I've asked for my original creditors agreement showing my original signature. XXXX has complied but Trans Union and XXXX has not followed the laws.

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 2018-04-04 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:
XX/XX/2017 a " hard inquiry '' was reported on my credit report from XXXX XXXX. I have never been affiliated with XXXX XXXX. I have never been a member of them, have never even stepped for in their facilities, nor have I ever even gone onto a XXXX XXXX Website. I think I have been involved in identity fraud in this situation. 
This is the first course of action I have made against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Navient is offering an interest rate decrease by 1/4 percent and rate freeze on variable rate interest, but only if you use a scheduled direct withdraw from a bank. By doing so, it discriminates against those who : 1 ) Use a debit or check card, even with a regular payment schedule 2 ) Send money via postal money order or certified check 3 ) People who can pay cash

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Social Finance, Inc.
State: IL

Complaint narrative:
Began process of applying to refinance student loans through SoFi on XX/XX/XXXX. Existing loans are serviced by XXXX and XXXX. Completed process on XX/XX/XXXX and received notice that my loan was being transitioned to XXXX as servicer. On XX/XX/XXXX, saw that interest had begun accruing on SoFi loan as displayed on XXXX website. However, at this time, funds had not yet been issued to my existing servicers, which I confirmed by viewing my dashboard on XXXX and XXXX websites and via a web chat with a XXXX representative. 

Per my attached lending agreement with SoFi, interest should begin to accrue as of the " Disbursement Date '' which is defined as " the date you [ SoFi ] issue money on my behalf to the creditors of my Prior Loans '' ( see sections E.1 and D.4 ). Because the money has not been received by the creditors of my prior loan, the definition of Disbursement Date has not been met, and interest should not begin to accrue on my loan with SoFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
XX/XX/XXXX charged off a credit card. 

the XX/XX/XXXX credit report shows this. 

XX/XX/XXXX and XX/XX/XXXXcredit reports have this same account listed as being in collections ... .two collection agencies ; XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX, XX/XX/XXXX these companies are one and the same I spoke to them both about the account being charged off/FCA and being the same agency ... .different names ... fraud ... ..they hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One mailed me a check for remaining funds in my 360 Checking account, a total of XXXX. Check was received on XX/XX/XXXX, deposited to my XXXX account the same day. A stop payment was placed by Capital One which has caused XXXX account to become overdrawn the entire amount of the check plus ten overdraft fees in the amount of XXXX each and a returned check fee in the amount of XXXX, a total of XXXX. Prior to all this occurring, I spoke with several supervisors, one by the name of XXXX ... They were able to get a member of the Security in take team on the phone, a XXXX .... She stated she spoke with an investigator and was instructed she could go ahead and close out account, get check sent for remaining funds, a total of XXXX. A check was received on XX/XX/XXXX via mail, however, a stop payment placed on it as stated prior. I am now overdrawn this amount plus XXXX, a total of XXXX. I need a check for this amount ASAP. I've left message for a XXXX XXXX, about seven in total, she had not returned them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/2018, Chase Cardmember services closed my credit card account, which I've had for more than 5 years and have always been in good standing with with no delinquencies. The reason they gave verbally and in writing was " only merchandise credits have been used to satisfy the balance on your account for more than 2 months ''. 

In this day and age of e-commerce where you may need to purchase a lot of items to keep one ( and then need to return the rest ), I believe this is an unfair practice. I also question whether it is legal to deny me / rescind credit for solely reason. I also believe that my credit score may be negatively impacted as well ( ratio of outstanding balance to available credit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, Chase Bank notified me by mail that the Bank will close my credit card ending XXXX on XX/XX/XXXX for the reason " continuing the relationship creates possible reputational risk to the company ''. This is puzzling to me as the account is in good standing, furthermore, my credit score is over 800, and my credit report shows no derogatory records of any kind. Calling the number they provided gave me no further information. I have attached here the letter I sent to Chase on XX/XX/XXXX. Chase had also denied my credit card application in XX/XX/XXXX. I had also opened a Chase checking and a separate savings account on XX/XX/XXXX with total deposit of {$450000.00}. After 2 weeks they froze the account and gave back my money. I have attached here the 2 inquiry letters I sent to Chase ( dated XX/XX/XXXX and XX/XX/XXXX ) and Chase 's response on XX/XX/XXXX which stated " previous unsatisfactory relationship with the bank ''. The problem is I have never had any problem with Chase or any other bank. AT this moment I still have 2 Chase Cards. Chase simply would not tell me what the problem is. I would like a chance to find out and address any problems, be it a misunderstanding or mistaken identity. I would really like to find out and address the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need some help, there is an inaccurate account listed which is FALSE information and I have brought it to the attention of Experian which I received there response stating they aren't going to help unless I provide them with supporting documents which how would I have if it is inaccurate and false information listed on MY personal credit file and XXXX  how can they report inaccurate data like this how can one be current as of XX/XX/2012, 30 days XX/XX/2012 and XX/XX/2012 charged off. This account which is false XXXX XXXX XXXX needs to be removed

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 2018-04-04 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have emailed Capital One twice ( XX/XX/XXXX and XX/XX/XXXX ) asking if they could please do a goodwill gesture and update my 2 late payments on my CLOSED Credit Card - 30 days late - one for XX/XX/XXXX and XX/XX/XXXX ) so that they show as 100 % on time payments. My daughter was in the hospital with XXXX and due to the fact that I had to stay in the hospital with her, I had to miss work and that caused for me to fall behind on my bills. I was really going thru a financial hardship during that time. Both times Capital One called me and said my issue didn't fit their guidelines so they couldn't change it. When I asked what those guidelines were, they couldn't explain that to me. I am and have been a loyal customer of Capital One since XXXX. I currently have 2 credit cards with them and ALWAYS pay on time and pay the accounts off every month. I am looking to purchase a house this summer and those 2 negative marks are hurting my credit. I would really appreciate the goodwill gesture of making that account current. Thanks in advance! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MA

Complaint narrative:
I had an auto loan through an auto finance company back in XXXX. In XXXX without my knowledge they sold my car loan to a debt collection agency. They also sent a company to try and repossess my vehicle, and they did and I was not even behind in payments. I had to pay {$60.00} to go get my vehicle back for the mistake they made. All of this with no paperwork and no proof that I owed this debt collecting company anything. I have been paying this company for four years now and called in XX/XX/XXXX to find out how much I owed and they said I still had to pay until end of XXXX. I in turn sent a letter notarized to them which they received on XX/XX/XXXX and they had 30 days to respond with any billing statements. I wanted an audit of my account. I have heard nothing from the debt collection agency since then. They keep transferring me to different departments and do not give me an answer. I have my paperwork from the original finance company and I was supposed to be done with my payments early this year. I would like to get the title to my vehicle as soon as I can. I am afraid this company will try and take more money from me. Please help me with this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
RE : Case # XXXX The company US BANK believes that they have the authority to close my account based on their policy/agreement ( s ) at anytime. I, XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) didn't Agree with the policy because I reserved my rights Under UCC 1-308, the word free and UCC 3-402 ( a ) at the time of opening my account. The original contact should be on file. I also have a copy of the original that should be on file. US BANK closed my Account based on policy not Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Paypal has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report  complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RMS-Recovery Management Services, Inc.
State: MI

Complaint narrative:
I'm receiving repeated calls from this collection agency on my work and cell phone the calls started lasted month but, on today I received a total of four calls back to back.

Company response to consumer: Closed with explanation