vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-14 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: DISCOVER BANK
State: OH

Complaint narrative:
I have an active credit card ending in XXXX. Tro prior accounts were closed by me. One neds in XXXX the other in XXXX I canceled and reported the last two as LOST because I had given the card to vendors that at some point did not want to continue paying an " ongoing '' bill pay with them It was understood that once the card is " lost '' and thus closed, the card company would not honor payments if submitted by such vendors. 

To my surprise, the credit card does not stop payments to vendors with prior on going bill pay that has an on going relation. 
when I spoke to Discover about not honoring such payments, they told me their policy is to continue paying regardless if I wished to honor such prior relationships Today I called to cancel ALL my accounts, for I fear they will continue obligating me to pay in closed accounts to vendors, for the DISCOVER policy is to continue paying EVEN if the carte has been noted closed or lost Since I want to close ALL my relationship with XXXXiscover, I asked them to send me an e mail confirming this, and supervisor ID # XXXX ( XXXX   speaking one ) was rude and hung up on me. I fear he won't send me a confirmation of the request, so to document, should Discover keep paying in my name to vendors I refuse in spite of the fact I am discontinuing any business with Discover with any card I have or had, I document this with you and report them for this fraudulent activity. 

It is my feeling that I, the owner of the card should be the one who determines who gets paid and who not, NOT DISCOVER The problem is between me and the business I have payments with. If I do not pay them, let the vendor go after me, but it is totally unacceptable for Discover to obligate me to pay for bills I have determined I refuse to pay, and then, be obligated to Discover to pay for the funds they disbursed to a company refuse to pay. 
Please note, in several occasions, I tried to send an e mail to discover. In their incoming message, it does not say DO NOT REPLY> SO, I write a complaint, send it, and then a while later it returns as DO NOT REPLY> This company is a total waste of time. 
I told t hem I want them to close down ALL cards I have and any payments requested by vendors submitted will not be honored, and not top ay. If thye pay, it is their , which I will not repay. 
I have OVERPAID my card, by {$320.00}, and Discover today said they will send me the $ by US POST. I hope they honor at least that. If not, I will report this AS PART OF THE ENCLOSED GRIEVANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One officially told me today that they lied to me and it will not be 7-10 days to process my application for the Walmart card. They are now saying it will be an additional 10 days, which would put it at 22 days to process. The Capital One/Walmart partnership has been a disaster that has led to customers being trampled on. Nobody will provide an outcome for me, I've been lied to about a time frame, the customer service representatives are incompetent and the company is completely unaccountable. First they say 7-10 days, now they are saying 22 days, it is all just lies. Capital One must process applications appropriately or have their ability to issue credit revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: NC

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft from a corporate security breach. This information does not relate to [ transactions that I have made or accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.I have tried through written correspondence, yet Experian has ignored my disputes The acounts are as follows : XXXX : XXXX XXXX XXXX : : XXXX XXXX : XXXX XXXX  XXXX : XXXX XXXX  XXXX  : 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 2019-11-14 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Fraud Department My card was used to make two fraudulent purchases. 
XXXX XXXX portable generator and soft drinks -- {$920.00} XXXX XXXX stations -- {$69.00} On XX/XX/XXXX B of A sent out a new card that we never received. 

Attached you will find the XXXX XXXX receipt from store XXXX where my stolen card was used to purchase a XXXX XXXX portable generator and soft drinks. This XXXX XXXX store has video at their registers that can provide the identity of this thief. 
Date : XX/XX/XXXX Time : XXXX XXXX  Cashier : XXXX I have never been to this XXXX XXXX store except to research their records that shows this was the only purchase made at this store on my card. 

I also attached a copy of our purchases from XXXX XXXX stations that show we never purchased gas over {$48.00}. Our car is a XXXX XXXX and only holds XXXX gallons of gas. 

The XXXX road Post Office has indicated that mail has been stolen from several residencies in the neighborhood and is also asking locals to be on the lookout for suspicious people.

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 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc.
State: NC

Complaint narrative:
Pro Collect Inc refused to accept half the payment over the phone but instead wanted me to send in a money order. They refused to allow me to make a payment online stating that they didnt have a online payment system which indeed they do. Very rude company

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 2019-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Hello, this is a follow up on complaint XXXX, which I have been unable to successfully resolve. Specifically, in my previous complaint I had asked my servicer University Accounting Service ( UAS ) for documentation showing that the listed lender " XXXX   XXXX  XXXX  '' ( XXXX ) was the current legal owner of my student loan debt. I asked this because 1 ) the provided master promissory note does not mention this lender in any way, and 2 ) there was no listed contact, webpage, or any searchable online presence of this lender that would allow me to contact the lender and ask for proof of ownership, and 3 ) I have had a number of issues already with this particular loan that have led me to question its validity ( please see complaints XXXX, XXXX, and XXXX ). 

As a response to my previous complaint XXXX, UAS provided contact information ( including email and telephone number ) for the person they have listed as the chief financial officer for XXXX, Mr. XXXX XXXX ( see attached response letter ). Since then, I have emailed Mr. XXXX on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, see attached for copies of emails ) politely requesting that Mr. XXXX provide documentation that he or his company are the current legal owners of this debt. I also had a phone conversation with Mr. XXXX on XX/XX/XXXX in which Mr. XXXX explained to me that XXXX had acquired the loan from the original lender years ago, but he did not say that he was willing to provide proof that he or an active organization in his name currently legally owned the debt. 

I think that it is within my rights as a borrower to confirm that the student debt I owe is legitimate. In this case, I think that it is fair at the very minimum to ask that either UAS or Mr. XXXX provide documentation showing that 1 ) XXXX  is an active lending organization ( I can not find any website or contact info for it online ) and 2 ) that Mr. XXXX or an active organization he runs bought this student loan from the original lender ( ie, establishing chain of title ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
The mortgage company received over XXXX for past due taxes. They only needed {$10000.00}. 
A partial refund was received and the mortgage company kept the additional money they received from NY state without permission or my knowledge. Instead of paying the current tax bill with the money they kept, they applied the money towards the principal on the mortgage without permission or knowledge. 
It took two hours on the phone, because the bank kept stating they never received the {$27000.00}. 
Which I have documented from the bank itself.

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 2019-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber
State: CA

Complaint narrative:
Grant & Weber collection agency is intentionally, and fraudulently, damaging my credit. They received this debt from a medical procedure that was performed on me in 2013 - my employer was supposed to cover the cost of the procedure, but then reneged and lied to the hospital about the status of my insurance coverage ( separate issue ). Since 2013, Grant & Weber has charged over {$5000.00} in interest on the collection account. In addition, they have reported to the credit bureaus EVERY MONTH a 'failure to pay ', even though I never established a payment plan with them. This monthly logging of the 'XXXX  ' is causing the account to be refreshed/renewed each month, instead of progressing through the fall-off period. They are intentionally, and fraudulently, reporting it this way so that the debt can not fall off. I have contacted Grant & Weber to dispute the debt, but they refused to investigate, and refused to help me with the original creditor.

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 2019-11-14 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: OH

Complaint narrative:
This is the 3 time I have have to address this issue on I have had a few issue with account that I do not recognize on my credit report.ITS HAS BEEN PAST 30 DAY AND I WOULD LIKE THE ITEMS LISTED BELOW TO BE REMOVED ASAP. I am refinancing my home when I found the following accounts : XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX I have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.

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 2019-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
My girlfriend and I both applied for the same credit card around the same time this year, she was approved and I was denied. 

We have similar credit scores and risk scores ( mine fare a bit better than hers ). Our public records are identical and she has way more unpaid debt than I do. My oldest accounts are also older than hers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: TN

Complaint narrative:
XXXX is re-aging and fraudulently reporting incorrect information on all three of my CBI 's and directly impacting my ability to obtain a mortgage. XXXX is reporting the date first major delinquency reported as XX/XX/XXXX. XXXX is also reporting major delinquency XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. None reported as XX/XX/XXXX. Second, the account is not late 189 days. The account is not in collections. XXXX charged the debt off after they were advised the charges were based upon fraud and forgave the debt. This conduct is retaliation on the part of 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 2019-11-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX is re-aging and fraudulently reporting incorrect information on all three of my CBI 's and directly impacting my ability to obtain a mortgage. XXXX is reporting the date first major delinquency reported as XX/XX/XXXX. XXXX is also reporting major delinquency XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. None reported as XX/XX/XXXX. Second, the account is not late 189 days. The account is not in collections. XXXX charged the debt off after they were advised the charges were based upon fraud and forgave the debt. This conduct is retaliation on the part of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: WA

Complaint narrative:
I used to have a credit card with my ex husband with XXXX and the credit card was assigned to him in the divorce. I have given American Coradius international proof of the court order and the fact that my name was removed from the XXXX account but they continue calling me. 
Specifically, XXXX XXXX ( might not have given me his real name ) lied about the fact that he had not received the court order or that my name was not on the account anymore. 
The tactics used by this company and Mr. XXXX are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: DISCOVER BANK
State: CO

Complaint narrative:
I had a Discover IT secured card opened in XX/XX/2019, which had 100 % payment history and I always paid off my balance and kept great record of my credit, so Discover returned my deposit and increased my credit line which was awesome considering I'm rebuilding my credit. In XX/XX/2019 I legally changed my first and middle name, so I contacted XXXX to update them and sent them my legal documents for the name change, and they updated my info and sent me a new card. In XXXX or XX/XX/2019, Discover needed me to sign a document to have my information verified through the IRS, so I signed it and a few weeks later Discover informed me they were closing my account due to not being able to verify my information with the IRS but couldn't tell me what information and left it at that. I then get a letter from the IRS about some of my information being requested but unable to verify, which the piece of unverifiable information was my NAME, why.. because I haven't filed taxes under my new name yet! Discover knew about my name change and still decided to close my account after months of nothing but good history with them. So now thanks to them I have a closed account on my credit report when their unverifiable information they already knew about, so why couldn't they either request a different way to verify my information or take into consideration that I just recently changed my name and it hasn't been fully updated with the IRS considering we haven't filed taxes for 2019 yet! Thanks for nothing Discover, I'll never recommend you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: VA

Complaint narrative:
I've attended XXXX XXXX XXXX College and also XXXX University. To be honest, I was XXXX to even take the money and didn't realize how high my payments, late fees, intererst would be. I've tried multiple times to show them that I now make good money, but I have a lot of expenses and I can't commit to a payment that's over {$400.00} per month. I'm willing to commit to something but I know if I commit to {$400.00} per month, it will still take me decades to pay off my debt, but if I get caught up in bind, I will be right back in this position down the road. My credit score was FINALLY getting back to around {$600.00} after working with my bank and doing well with a secured card. I was excited to go get a car from a dealership and not a buy here pay here place with a 30 % interest rate. Recently, my score dropped 50 POINTS because they decided to increase the balance again. PLEASE HELP ME GET THIS ON TRACK, THE INTEREST RATES, LATE FEES, AND PAYMENTS ARE TOO HIGH AND IT'S NOT FAIR!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: U.S. BANCORP

Complaint narrative:
Dear Consumer Financial Protection Bureau : My name is XXXX XXXX XXXX XXXX. I have U.S Bank checking account # XXXX. I want to complain U.S Bank branch locate at XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX U.S.A acted fraudulent when it sold money order without cash in it for me on XX/XX/2019. On XX/XX/2019 I went to U.S Bank branch locate at the address XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX to deposit {$9100.00} to purchase 10 personal money order checks in the amount of {$9000.00} that means each of money order has the money amount {$900.00}. US Bank took my monies in the amount of {$9000.00} but the big problem was when I deposited two money orders into my checking account at XXXX XXXX, the XXXX XXXX  loss prevent named XXXX said to me via phone on XX/XX/2019 that one of money order check # XXXX issued by US Bank on XX/XX/2019 at US Bank branch XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX had been returned to XXXX XXXX  without payment with reason stop payment. Therefore, I am able to state that US Bank acted fraudulent when it sold the money order checks for me without cash in it. Because this is serious fraudulent activity of US Bank to steal money in the amount {$900.00} from me, I request Consumer Financial Protection Bureau investigate and return the money {$900.00} back into my checking account at US Bank. I tried to contact US Bank customer Service and this US Branch but there was no response or resolve this big problem instead just hung up the phone or disconnect my call. 

If you have any question, please contact me via email at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Cell : XXXX Email : 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 monetary relief
Consumer complaint received 2019-11-14 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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