vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My wife has been diagnosed XXXX  XXXX, and I have taken steps to limit her access to funds, as XXXX XXXX is a symptom of the illness. 

We had two Capital One accounts together, ending in XXXX and XXXX respectively. I called Capital One and asked them to close the accounts because I knew my wife did not have the financial means to pay them, yet she would continue to use them. They told me the only way the accounts could be closed is if the balances were paid in full. I paid them both off in full. I was told at that time the accounts would not be reopened. 

However, my wife called them and reopened the accounts, and proceeded to use them to their limit without my knowledge, initially. Once I found out, I started making payments on them to the extent I could, and did not miss a payment until XX/XX/2019, because I was out of town. I got two 30 day lates on my account during XXXX. 

I called Cap One and inquired, and they told me that the accounts should not have been reopened, per their policy. ( the policy is on this website ) : https : //www.capitalone.com/support-center/credit-cards/close-account They admitted their error and closed the accounts AGAIN. 

However, I did everything I was supposed to do, yet their employees did not act in accordance with their stated policies, and reopened the accounts. My wife, in her heightened state, is very persuasive, but if Cap One had acted in accordance with their stated policy I wouldn't have had a balance after I paid the accounts off, and I wouldn't have late payments on my credit record. 

I am asking that the late payments be removed, and that the balances owed be erased, because the accounts were reopened without the company doing their due diligence in the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT AND SOMEONE PRETENDED TO BE AND THEY OPENED AN ACCOUNT AT DISCOVER FINANCIAL SERVICES. THIS ACCOUNT WAS OPENED MAINTAINED WITHOUT MY CONSENT. I HAVE TRIED NUMEROUS TIMES TO SEND MY IDENTITY THEFT REPORT, POLICE REPORT TO THE BUREAUS AND TO DISCOVER BANK DIRECTLY. I HAVE ALSO SENT THEM MY POLICE REPORT. I MA NOT REALY SURE IF THEY WILL BE ASKING FOR BLOOD TYPE. THIS IS A FRAUDULENT ACCOUNT, CHARGES ARE FRAUDULENT AND ITS EFFECTING MY LIVELY HOOD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORT ON BOTH OF MY CAPITAL ONE BANK ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: Trident Asset Management, L.L.C.
State: NY

Complaint narrative:
Trident Asset Management , L.L.C . claimed an alleged XXXX bill of {$620.00} is owed, and they have this unknown item on my credit for 5 years as derogatory item. 
I have disputed it with them, and they are refusing to remove it out my credit report. 
i will appreciate with your assistance, if the could provide me with a sign contract reflecting my signature and date where this actual enrollment take place. 
according to the Fair Credit Reporting Act, any unknown or non accurate item on your credit, should be deleted. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I paid off my promotional deferred interest balance last month but I had pending transactions that could not be paid yet and they added those new charges to my promotional deferred interest amount. 

They do not have an option to pay just the deferred portion only and told me that it was my fault for not understanding how it works. 

I talked to a manager and they had no interest in helping me and told me that if I wanted to make sure it was paid off I need to not use the card until the promo was paid. 

Citi Bank " BestBuy credit card '' and the deferred interest program is a fraudulent way to rip off responsible consumers by using predatory lending practices to hit consumers with massive amounts of back interest through hidden clause 's buried deep within a mile long 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 2020-01-21 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding putt my account in collection status as of XX/XX/XXXX. I did not open an account with Midland funding and nor do they have my consent to report anything on my credit or any public record. 

I had an account with XXXX, which I had to abandon because I had to leave the country to take care of my sick father. I tried to call from XXXX and make payments but my call was rerouted to different departments, with no one being able to collect my payment which was coming from a different country in a different currency. So the account was charged off. After returning back to USA after two years I was contacted by Midland stating you can start paying and paying XXXX account, without explaining that XXXX has already reported this account as charged off in XXXX and no matter what i do Midland can not remove that derogatory remark from my credit. 

When I got accustomed to credit reports and what it means and figured out that I am making payment to a company which is not even affiliated with XXXX, I explained the whole situation again to then and asked them for my original contract with XXXX to see where does it say that they can not accept payment from me unless I am in US. To that they said that they can not provide original contract to me. So I refused to make any further payments, as I never opened an account with Midland and the XXXX account has already been reported as Charge off, so what am I paying for at this point? Based on this conversation they reported my account as collections. 
How can one account be reported negatively twice on the credit report. I do not acknowledge Midland as the creditor, as I did not open or sell my account to them. I want the amount ( Approximately {$2000.00} ) I have paid till date back from them, as they cheated me with a false information and promise. Moreover they did more harm to my report by never reporting any payments I made till date, but instead reporting my account which has been previously charged off, in collections. How can a charge off account be in collections?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORT ON BOTH OF MY XXXX XXXX XXXX   ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2020-01-21 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORT ON BOTH OF MY XXXX XXXX BANK ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: LA

Complaint narrative:
I have mailed 2 debt validation letters to this company and have not received any response from this company. A debt of {$180.00} is showing on my credit files and I am unaware of owing this debt. Two certified letters were mailed to this company one on XX/XX/2019 and another on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TCN Inc
State: GA

Complaint narrative:
I have a title loan and I am 2 weeks late. I have received phone calls up to 6 times a day. I provided XXXX references to the loan office but today ( XX/XX/2020 ) I received phone calls text messaged and the manager messaged me on XXXX, these are not my issue. My issue is that the office manager took it upon herself to contact my ex-husband 's wife and told her all my financial business. I did not have my ex-husband as a reference and clearly would not have his wife as one. She took it upon herself to look me up and who was linked to me based on my past, who was linked to my ex-husband and contact them. This is a violation of the FDCPA and would like this company 's practices looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for Americollect Inc to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Account is included in Chaper XXXX  bankruptcy case number XXXX in the XXXX XXXX  of Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted all three Credit Bureau ' advising them that Chapter XXXX bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate and all my accounts were closing. I was victim of identity theft or mixed file from a bankruptcy in XXXX, Al with someone with a similar name and last four SSN. I contacted the Bankruptcy Court in XXXX XXXX of Alabama, they could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Someone else 's bankruptcy is destroying my credit standing.

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 2020-01-21 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX XXXX putt my account in collection status as of XX/XX/XXXX. I did not open an account with XXXX XXXX and nor do they have my consent to report anything on my credit or any public record. 

I had an account with Barclays, which I had to abandon because I had to leave the country to take care of my sick father. I tried to call from XXXX and make payments but my call was rerouted to different departments, with no one being able to collect my payment which was coming from a different country in a different currency. So the account was charged off. After returning back to USA after two years I was contacted by XXXX stating you can start paying and paying Barclays account, without explaining that Barclay has already reported this account as charged off in XXXX and no matter what i do XXXX can not remove that derogatory remark from my credit. 

When I got accustomed to credit reports and what it means and figured out that I am making payment to a company which is not even affiliated with Barclays, I explained the whole situation again to then and asked them for my original contract with Barclays to see where does it say that they can not accept payment from me unless I am in US. To that they said that they can not provide original contract to me. So I refused to make any further payments, as I never opened an account with XXXX and the Barclays account has already been reported as Charge off, so what am I paying for at this point? Based on this conversation they reported my account as collections. 
How can one account be reported negatively twice on the credit report. I do not acknowledge XXXX as the creditor, as I did not open or sell my account to them. I want the amount ( Approximately {$2000.00} ) I have paid till date back from them, as they cheated me with a false information and promise. Moreover they did more harm to my report by never reporting any payments I made till date, but instead reporting my account which has been previously charged off, in collections. How can a charge off account be in collections?

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 2020-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: MI

Complaint narrative:
I checked my credit report to find that I had 2 negative medical accounts on my credit profile both which I have no knowledge of. I have never received any bills or notification stating that I owe anything to any medical center nor do I recall going to a medical center for anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stuart-Lippman and Associates, Inc
State: CA

Complaint narrative:
I noticed on my credit report I have a collection for Stuart Lippman and associations the balance is XXXX. I contacted them early XXXX of 2019 regarding this issue. The first day I called nobody answered, the second day I called a guy told me the person handling this matter was not available I even asked him can he enlighten me on what is this regarding my credit. He went on explaining he could not see what it was and I would have to talk to the person who was in charge. I called again the next day no one answered. I would like to remove this matter from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: CO

Complaint narrative:
Intimidating voicemails left to me intended for someone else. No right to call and disturb me, this number is not associated to persons name left in my voicemail. My voicemail greeting does not match name this company is looking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: Stuart-Lippman and Associates, Inc
State: MI

Complaint narrative:
Account is included in Chaper XXXX bankruptcy case number XXXX in the XXXX XXXX of Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted all three Credit Bureau ' advising them that Chapter XXXX bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate and all my accounts were closing. I was victim of identity theft or mixed file from a bankruptcy in XXXX, Al with someone with a similar name and last four SSN. I contacted the Bankruptcy Court in XXXX District of Alabama, they could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Someone else 's bankruptcy is destroying my credit standing.

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 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted all three Credit Bureau ' advising them that Chapter XXXX  bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate and all my accounts were closing. I was victim of identity theft or mixed file from a bankruptcy in XXXX, Al with someone with a similar name and last four  SSN. I contacted the Bankruptcy Court in XXXX XXXX of Alabama, they could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Someone else 's bankruptcy is destroying my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XX/XX/2017 we signed a new payment agreement with Chase Bank ( attached ). This new agreement was a fixed payment schedule that replaced the monthly payments previously due each month. Upon making these payments on time every month for almost 2 years it was brought to our attention that Chase was reporting this payment late each time. Once contacted they indicated that we had a past due amount still. It was never disclosed to us that we had additional payments to make on top of the agreed monthly payment in order to avoid late payments. This is why we took the agreement in the first place. Chase has repeatedly refused to change the derogatory nature of the credit bureaus reports. They indicate we agreed to the details verbally but they are unable tp provide the recorded conversation where they indicate this was stated. The only contract details we are aware of are attached to this complaint and say nothing of additional money required in the contracts next steps. We followed the agreement to the letter with the intent of saving our credit as much as possible only to find out that the said agreement did nothing of the sort. We only want the lates removed and don't feel that its asking to much if you look at the on time history of every payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation