vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-13 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: MI

Complaint narrative:
On XX/XX/2017 I contacted XXXX to dispute multiple inquiries on my credit that I am not familiar with. I spoke with the rep and stated that multiple inquiries can not be verified and I asked for such inquiries to be removed because the creditor does not have written authorization from me to pull my credit. The rep stated that I need to send in a police report which is innacurate when the inquiries have not been validated.

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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Date:XX/XX/2017 Company : TransUnion Situation : The company supplies the free credit report without a fico or any sort of credit score. When trying to obtain a credit score, the company forces you to click on a link to " view credit score '' which they then automatically sign you into a {$19.00} per month subscription without warning or confirmation of payment. They first ask for credit card information beforehand without any information as to why ( i.e. no amount to pay shown ). Because one has been primed to supply private information for credit report, one is led to believe this is just another step to obtain a credit score.
When I noticed the charges, I had to call and cancel to get a refund. Others may not have paid attention to this and may have recurring payments to TransUnion.
The website was accessed by requesting a free credit report from : XXXX and choosing TransUnion.

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 2017-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Received an email from XXXX on XXXX XXXX, 2017 telling me that they have restricted my account and will be closing my account. I received no prior notice from XXXX that they were going to do this. If they had, I would have taken the proper steps to prevent this from happening. By them closing my account, this will negatively affect my available credit and credit report. Below is the email they sent me.
Re : Account ending in XXXX XXXX, Its been over four years since youve used your credit card account ending in XXXX. As a result, your account has been restricted as of XXXX XXXX, 2017, which means you no longer have charging privileges, and it will be closed due to inactivity. Your account will remain restricted, and it can not be taken out of restriction prior to closure or reopened once it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one closed my credit card account without any prior notice. All that I got was one email saying that your account is closed due to inactivity and I can not use it. I called the company and spent about 20 minutes on the phone and they could not find any prior communication but the customer service representative said they can not keep the account open. I could have done some transactions if I would have got any form of prior notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I have requested to transfer my IRA account from the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX OH XXXX, to Citizens Bank, to be deposited into my existing IRA Savings acct. The XXXX XXXX then sent me a letter dated XX/XX/XXXX, stating that the Trustee to Trustee Transfer was completed in the amount of {$8400.00}, and that the check for said amount was mailed to Citizens Bank-Retirement Services, XXXX XXXX XXXX XXXX, XXXX RI XXXX. Again, the letter is dated XX/XX/XXXX, and today 's the XX/XX/XXXX. The money has left the XXXX XXXX yet have n't reflected on my IRA account at Citizens. My numerous phone calls to Citizens produced no results, the money is nowhere to be found. It 's been almost a week and nothing happens. It appears that Citizens have lost it. OMG

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: CA

Complaint narrative:
Account : XXXX XXXX # XXXX ( {$370.00} per month )XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to TransUnion, XXXX and XXXX : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to XXXX XXXX for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to TransUnion, XXXX and XXXX by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.

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 2017-11-13 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: CA

Complaint narrative:
Account : XXXX XXXX # XXXX ( {$370.00} per month ) XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to XXXX, Equifax and XXXX : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to XXXX XXXX for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to XXXX, Equifax and XXXX by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: CA

Complaint narrative:
Account : XXXX XXXX # XXXX ( {$370.00} per month ) XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to XXXX, XXXX and Experian : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to XXXX XXXX for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to XXXX, XXXX and Experian by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.

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 2017-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: New Era Asset Management, LLC
State: GA

Complaint narrative:
I am being contacted by New Era Asset Management about a debt. They have been calling for weeks while I am at work yet I have not received a written notice of the debt or the option to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I have disputed several accounts with this company, I have never done business with this company nor owe what is listed on my personal credit file. Nothing has been received from this company. 

NCC Business XXXX NCC Business XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, I noted that a charge of {$190.00} was pending out of my Netspend account. The company that was attempting to charge the funds is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX . 
I immediately called Netspend and was told by their representative that because the transaction was pending, they would not file a dispute until the transaction was complete. I told them this was not acceptable as I knew nothing about this company and had not made a purchase, nor was I authorizing any transaction with the company. 
Netspend told me that because a fraudulent charge had been made, they needed to block card and send me a new card. They told me, by doing this, they would be able to stop any further action on the account.
I spoke with a manager and she told me she would be refunding the money to the account, which she did. The following day, the funds were back in the account. However, in blocking the card, and therefore blocking the account, net spend made a transaction by the IRS to remove {$500.00} from the account, impossible.
Yet, the fraudulent company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , who made an attempt to draw out funds again on XX/XX/XXXX, was able to do so for {$190.00}, thus making the funds Netspend had reimbursed the account for on the XX/XX/XXXX no longer available. 
I called Netspend again to try and resolve the issue and I spoke with an agent, and a supervisor, only to be told that NOW I needed to submit the dispute in writing and it would take 10 days from the date Netspend receives it to help qualify me for reimbursement on a fraudulent transaction that I tried to prevent in the first place.
In the mean time, I have no access to my money in the Netspend account, as I am still waiting for the new card.
I called Netspend again today to close the account and to have access to my funds, only to be told I have to wait for the card to arrive.
I tried to file a complaint with Netspend, which they took over the phone, but refused to allow me to speak with their complaint department or their legal department, and refused to even send me a copy of the complaint they are supposedly submitting.

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 2017-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have been using the PNC Bank mobile app to deposit funds into my account for years. Now PNC has updated their mobile app. and the requirements to use the app are an incredible invasion of my privacy. 

If I do n't agree to their requirements, I am not allowed access to my accounts on my mobile phone. 

When I inquired in the bank about this horrendous invasion of my privacy, I was told, " Well, just do n't us the app. '' That response is unacceptable. 

The requirements are wholly unreasonable. 

Here is what I get when I open the app : " 1. Optional Allow PNC Mobile to access this devices location.
2. Required Allow PNC to Make and Manage Phone Calls. This permission allows PNC to use unique phone information like your SIM ID and phone number to help protect you.
3. Required Allow PNC Mobile to access photos, media and files on your device. This permission allows PNC to assess you device for vulnerabilities against unauthorized account access to help protect you.
For security reasons, your access to the app will be blocked if you do not accept the required permission requests. '' I have talked to other people who bank elsewhere and the same requirements are being applied to their bank 's mobile app. 

Banks have no right to make phone calls on my phone or to manage my phone calls. They also have no right to access my photos, media, or files on my phone without express specific permission. 

Not even the police or FBI have a right to do these things without a warrant. 

What can I do about this? What can you do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau RE : Complaint against Chase Credit Card, XXXX XXXX XXXX, XXXX, DE XXXX and Chase Cardmember Service, XXXX XXXX XXXX, XXXX, IL XXXX To Whom It May Concern : I am filing this complaint against XXXX because they are corrupt and not listening to me. I entered into an agreement with them back in XXXX XXXX, whereby I would make monthly payments of {$44.00} on an account that has been closed for at least one year to date, account # XXXX XXXX XXXX XXXX. 

I received a paper statement from Chase in XX/XX/XXXX and noticed they were charging me interest on purchases and also charging me fees ( unstated ) on an account that has been closed. I called them to talk to them about this and they refused to help me when I asked them to waive the fees because Im no long authorized to make purchases on an account that is closed. I also told them with what they are doing my balance will never go down. So, since they refused to do anything to help me, I told them I will no longer make any payments on this account and they no longer have my permission to take money from my bank account. I also told them they can take me to court and I will tell the judge why I quit paying them. 

Today I checked my bank account and they have taken {$44.00} out of my checking account on XX/XX/XXXX. I have spoken to my bank and do not want to pay a {$35.00} stop payment fee ; however, I do not want them taking money from my account anymore. 

Supposedly their conversations are recorded ( at least thats what I heard when I called them to complain ). 

I need your help. I want them to refund my money back to my bank account. If they dont want to waive the interest charges and random fees on a closed account, I refuse to give them another payment. I am not wealthy and I do want my credit to be good again, but they are messing it up on me there too. They are doing hard inquiries on my credit bureau report which I never authorized them to do, and since they did that, my score has dropped 41 points. I think they need to do something to reverse this damage to my credit as well. I never authorized them to pull any of my credit bureau reports. All they are doing is further damaging my name. 

I will forward a copy of the paper statement that shows the new minimum balance of {$130.00} and has no mention of any payments made to date on this statement. It also lists the fees and interest charges on the bottom. This in my opinion is nothing less than pure greed and corruption. I will also forward the letters saying my account is past due, etc., and thanks for scheduling my next payment for XX/XX/XXXX ( this is fraudulent because I told them to stop taking my money out of my account weeks earlier ). 

Thanking you in advance for your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-13 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: GA

Complaint narrative:
I spoke with a rep last Monday at Experians consumer affairs area. The rep initiated the disputes on my behalf. I faxed over a copy of the police report to them. They did n't ask for anything else. I get an email from them on my work email saying that they could n't honor my request because they needed additional information. I am going to submit it through here that way there is a paper trail. Experian is looking at a lawsuit. I am a victim of identity fraud and I have sent over the required information. I also have proof that was sent over to them and that the fax succeeded. I am attaching that snippet in my documentation. I am also sending over another copy of the approved police report that I sent, a copy of my dl, a copy of my electric bill as well. I anticipate this being finished by the end of the week or I will be filing a small claims lawsuit first thing next Monday morning. I am going to submit a complaint with the ftc as well so that my lawsuit is no surprise. I am over this and very tired of it. I expect to see this resolved no later than Friday. Please see documentation.

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 2017-11-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I sent a bankruptcy/tax lien removal letter to both Equifax and XXXX XXXX XXXX. I called on XX/XX/XXXX to get results. Upon receiving my results I was made aware that they verified my information. I did not ask for a verification, but a validation. The Bankruptcy/Tax court does not verify information with the credit bureaus. In my request for VALIDATION ; NOT VERIFICATION ; I stated '' The EQUIFAX /XXXX XXXX XXXX needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). " XXXX, the system in which they use to VERIFY ; NOT VALIDATE AS I REQUESTED ; this not in compliance with FCRA laws. Both credit bureaus verified that they did not receive nor request the required documentation that is required and requested by the consumer. This is a violation. I am requesting the bankruptcy and tax lien be removed from my public recorded immediately within 30 days as stated ; " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the EQUIFAX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. "

Company response to consumer: Closed with explanation