vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello i recently paid XXXX XXXX Credit card to XXXX after paying them on time never make one late payment XXXX XXXX updated me paying off my balance and deleted the account of my credit which caused my equifax credit score to drop 110 points this is un acceptable and as a result this has caused me embarrassment and denying in credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello i recently paid XXXX XXXX Credit card to XXXX after paying them on time never make one late payment XXXX XXXX updated me paying off my balance and deleted the account of my credit which caused my XXXX credit score to drop 110 points this is un acceptable and as a result this has caused me embarrassment and denying in credit

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 2017-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian is reporting late payments on my credit report on 10 different DEPT of ED Student Loans. Experian is reporting 90 days late XXXX and XXXX and reporting 120 days late XXXX, XXXX, XXXX, XXXX, XXXX. The loans were never late. The loans were in FORBEARANCE at the time the late payments are being reported. I have attached NSLDS showing that the loans were in FORBEARANCE.

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 2017-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XXXX XXXX I received a letter from XXXX XXXX XXXX stating that I am eligible for a credit by reviewing my credit history. I never had the intention to apply but their offer letter and documentation was attractive and misleading. I enrolled online and tried to accept this offer with the intention that I will receive a new Credit Card. They immediately evaluated my approval and denied to give me a credit card. They made a hard inquiry on my credit score and deteriorated my and my wife 's scores. Since we are very new to the US, we just moved from XXXX to US this summer, we are also new to the credit environment. We know that in US credit score matters and is very important. This is why we have not been applying to all scams and all promotional materials. But this one was really misleading and it did not mention that I am not eligible for a credit card. I want your support to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inquiry I never authorized and I was not aware of. 
This is the inq. reporting on my transunion XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from 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 explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OR

Complaint narrative:
On Saturday XXXX XXXX XXXX. I deposited a pay check into my checking account in the amount of {$1400.00} through the atm as the bank was not yet open. Knowing I 've done this and it takes a few days for this transaction to happen and not needing to use my card or money. I eventually started using my debit card for every day purchases. i.e. gas, and water and food for work so I can make more money! Well I went to use my debit card today on Saturday XXXX XXXX at my local branch, and my statement was telling me I was negative {$440.00} dollars in my account. That 's negative XXXX dollars? .The bank is not open at this time, so I call a XXXX number for this bank, by the way is Key Bank and I live in XXXX XXXX Or. And they are telling me this paycheck is still on hold? With no reason for why! So I go down to the bank again as it 's XXXX XXXX and the branch is open. I speak with a teller and ask to see a manager but eventually tell the teller my reasons for coming in. She says that I would have to goto the branch I opened my account up at? I eventually do get to talk to a XXXX? A XXXX XXXX XXXX. he opens his computer and is questioning why the check is still being held. But found out this held paycheck wo n't be released till Tuesday XXXX XXXX? That 's 1 week and 3 days from the time of deposit and states that I will have to wait till then, Tuesday XXXX XXXX XXXX to get any resolution to this matter. In the mean time I have my life to live and my payments to make and being negative XXXX dollars in my account these fees are just climbing because they are accruing as this check is being held. I feel I 'm getting the run around and my local branch is still telling me to goto the original branch where I opened my account? That 's kinda impossible!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
on XXXX/XXXX/XXXX a claim was initiated for fraudulent and unauthorized transactions on my debit card. This claim has surpassed a 90 day time period since XXXX/XXXX/XXXX and claim is still not resolved. Information regarding the theft of not only my funds but possible identity, have not been provided by the merchant and bank of america has no further information to provide nor has contacted me regarding this claim to this point.

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 2017-10-21 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XXXX XXXX this company pulled my credit and I did n't authorize this company to do so.

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 2017-10-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX/XXXX/XXXX, I applied online to XXXX XXXX for a loan. The loan request was declined due to my short credit history. On XXXX/XXXX/XXXX, I received a call from a lending company called XXXX XXXX through It 's representative XXXX XXXX XXXX with a loan offer of {$1400.00}. Though I did not apply to the company for a loan, I nevertheless accepted. The representative asked for my bank details which he said the company needed to pay the check for the amount into my account. I innocently gave him my bank details over the phone. I did not suspect any foul play. I did not know he was a fraudster. It was my first time of getting involved in loan transaction. He also asked me to withdraw {$500.00} from the money which the company would pay into my account and pay it into an account the company would provide me. According to him, I needed to do this to boost my short credit history and prove my trust-worthiness which would qualify me for a bigger loan. Shortly afterwards, I received alert from my bank indicating the check had been deposited into my account. The next day, I innocently went to my account in ANOTHER BANK, withdrew {$500.00} and sent it to the account that was sent to me. After some hours, I decided to access the account the check was paid into and I realized my account had been frozen. Confused and not knowing what was wrong, I called my bank and they informed me that the checks that were paid into my account were fake checks. I immediately made a complaint to the Police. After investigation, the police gave me the case number to send to the bank, asking It to unfreeze my account, but the bank did n't comply. That is how the account has remained frozen up till now and it negatively affected my credit score.

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 2017-10-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX this company pulled my credit and I did n't authorize this company to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I sent {$260.00} to someone with an unconfirmed email. The transaction is pending. I tried to cancel the transaction. But the agent in the XXXX, said I cant cancel until the other party confirms their email or 30 days. I do not understand why that should impact me canceling. Paypal is sitting on my money. He said it was the process and his manager would say the same. He then put me on hold for over 20 minutes. I gave up and hung up. This policy likely makes Paypal a lot money on interest on me and others because of this practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
While on vacation in XXXX during the first two weeks of XXXX I used my capital one credit card to get some cash advances. 

even though I paid my credit card with all fees at the end of XXXX after my return, again at the end of XXXX capital one is charging me a minimum {$.00} interest charge in the month of XXXX. 

I pay my credit card on time in fact I go online and see what the true debt is, which is much more up-to-date than the snail mail statement which I get. I actually pay more than what each bill is. 

in XXXX my bill was {$2900.00}. I actually paid {$3100.00} because that was what I could see online was my true debt. I did the same the previous month so there is no way they should charge me interest because I took a cash advance the first two weeks of XXXX. 

so in XXXX I paid off my whole bill but I did not notice in the fine print they charged me {$5.00} in interest. 
now this month which goes XXXX XXXX to XXXX XXXX they are charging me {$.00} in interest. 

this is fraud. I 'm sorry plain and simple but my bill had been paid over in above but yet they tried to make me pay first {$5.00} and then another {$.00} this month. they would 've Charging me every month forever just because I got a cash advance. 

I received resolution from capital one and they are returning me the {$5.00} but that is totally beyond the point. they are probably milking millions of people like this. something should be done, and I would like to hear back about what you going to do

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Associates has reported to all three credit reporting agencies that I am delinquent on a debt in the amount of {$3100.00}. This company has reported this since on or around XXXX XXXX. I dispute the validity of this company 's reporting and request that this information be removed from my credit report with all three agencies immediately. The bases of my complaint, in summary, are as follows : 1. I never received notice from this company that they purchased this debt. The very first notification I received was in XXXX XXXX. I submitted a complaint with respect to this and the company failed to address this aspect of my complaint at all but " completed '' its investigation. 
2. This company reported to all three credit agencies that the first time I was delinquent was XXXX XXXX. I demand proof that THIS company even owned the debt at that date. They are reporting delinquency of a debt they did not own in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
on XXXX/XXXX/XXXX I paid the shipping cost for two 14 Day Free Trials ; one with XXXX XXXX and the other with XXXX XXXX. The amount taken from my account were {$5.00} and {$4.00}. I did not authorize any charges related to the free trial. My checking account was subsequently charged {$87.00} from XXXX XXXX and {$89.00} from XXXX XXXX for a subscription I did NOT authorize. I attempted to resolve this thru the company however they were completely uncooperative and which point I took my complaint the XXXX XXXX XXXX. The related case/claim number is # XXXX. In my conversation with Chase Bank, I advised them that not only did I not authorize this charge but also did not receive the products these two companies charged me for. They did initially credit me back per my complaint however subsequently debited the reimbursement from my account. They basically refuse to consider this a case of fraud and have refused to reimburse me for these unauthorized, and of note unreceived products. I further believe that they are further dismissing my claim as a young female.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Hours at work were decreased which resulted in XXXX of loss wages per month, fell behind in mortgage, was approved for repayment plan of XXXX per month. Could not afford that, was told to re-apply for modification, was approved for modification but mortgage payment increased. How is that going to help??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TRANSUNION is once again reporting my XXXX XXXX XXXX XXXX LOANS with INACCURATE information. 

I have XXXX XXXX XXXX XXXX XXXX LOANS that TRANSUNION is reporting late payments on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 

These XXXX student loans were never late. The loans were in FORBEARANCE at the time the late payments are being reported. 

I have attached the NSLDS showing the loans were in FORBEARANCE. I have also attached an XXXX report showing the LOANS REPORTING with no late 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 2017-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: CA

Complaint narrative:
My response letter was untimely pursuant to FCRA 623 ( a ) ( 8 ) ( E ), which in accordance with FCRA 611 ( a ) ( 1 ) ( A ) would have required Discover to report the results to me WITHIN 30 DAYS from the date of receipt of my notice which was XXXX XXXX, XXXX. Discovers response was mailed to me on XXXX/XXXX/XXXX, which is well outside of the 30-day requirement as prescribed in the following FCRA laws. It appears that Discover received my second dispute notice on XXXX/XXXX/XXXX and attempted to respond to that by backdating it to XXXX/XXXX/XXXX in attempt to appear compliant with the law for the initial dispute. Discovers act of deception was still out of compliance because Discover mailed it outside of the 30-day window for the first dispute, and Discover committed fraud in  the process. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) SEE BELOW* within which a consumer reporting  agency would be required to complete its action if the consumer had elected to dispute the information under that section. 

* 611. Procedure in case of disputed accuracy [ 15 U.S.C. 16 ( a ) Reinvestigations of Disputed Information ( 1 ) ReinvestigationRequired ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NAM National Arbitration and Mediation
State: TX

Complaint narrative:
In XXXX I applied for a payday loan on-line with XXXX ... I did receive the money ; however, I had problems paying it off because of the high interest rate and exhorbitant fees so I enrolled in a Debt Consolidation Loan company in XXXX ; and they negotiated with XXXX XXXX XXXX creditors at the time ( I had several ) ; and worked me out a plan where I paid them XXXX monthly payment ; and, they paid each of my creditors. It was my understanding that XXXX was one of those payday loan creditors. I successfully completed the program. 

That was XXXX years ago. Until XXXX weeks ago, I had not received a phone call or any mail from XXXX saying that I owed them money. Now, they are threatening to sue me if I do not pay them XXXX  which I can not afford to pay in XXXX lump sum.I can not afford the payment arrangement of $ XXXX XXXX @ XXXX XXXX ) XXXX. 

I do not think it is right for this creditor to seek payment from me when I in good faith made payments to them back in XXXX. If they were not acceptable of the payment arrangement with the debt consolidator I used at the time, I was not aware of that. 

Please help me with this matter because I have worked hard to rebuild my credit in the past 3 years ; and I do not want this matter to show up on my credit. 

Thanks, Distressed Consumer

Company response to consumer: Untimely response
Consumer complaint received 2017-10-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inquiry I never authorized and I was not aware of. 
This is the inq. reporting on my XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Inquiry from 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