vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
hello, I 'm having trouble every month making my payments to the capital one buy power card on their 24 hour customer center phone number on the back of the card XXXX XXXX when ever called to make a payment around the end of beginning of the month the recorder goes on and on like if it does n't hear me or cant understand me, when pass on to a live representative they say it will take 5 minutes because of high volume, of course their automated service is not responding, so every customer has to go thru to the live representative which in turn charges a process fee or a late fee when card payment is not made on time. I got so mad I told the customer service agent this was my ( 2 ) second month calling and that the electronic system is not working properly and it passes me down to them so they can charge a fee for processing my payment, he acted like he could n't hear me, and when I said your answers indicate you can hear me he hung up. I called back and the call magically went thru without a hitch goes to show me they 're manipulating the system so people can use the live customer service agent and charge the fee to process a payment or late fees when payments are not made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bought my medical debt. At first they continually called and harassed to make payment for something I knew nothing about. After I checked my credit a few weeks later I could see my score dropped due to the XXXX XXXX. Next time they called we agreed to set up a payment plan if they would delete this account off of my credit once paid. I have fully paid earlier this year and the collection was not deleted. When I called and asked them to Delete, they claimed it was nothing they could do. 
After researching I could n't find any information about this company doing business in the XXXX XXXX XXXX. I would like this account to be DELETED if possible as promised by XXXX 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 2017-10-01 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: CA

Complaint narrative:
I submitted a dispute online via Equifax website. I asked for validation of an item on my credit report. On XXXX/XXXX/XXXX, Equifax informed me that they had concluded my investigation by determining that the item was correct. I did n't receive documents showing me what was used to VALIDATE the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
In XXXX XXXX I applied for an Amex card that offered XXXX XXXX XXXX XXXX XXXX I was approved and I satisfied all spending requirements to be granted the bonus, but the miles have never been credited to my account. 
I called Amex several times and I was always told that an investigation was ongoing. XXXX month later nothing has been resolved. 


Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-01 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: OH

Complaint narrative:
Request for Investigation of Unauthorized Inquirys Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on different dates and I noticed all unauthorized inquirys had been made. and already contacted all the banks and bureaus the only inquiry 's that is suppose to be on my report is XXXX XXXX XXXX. I 'm trying to shop for a car and im denied by banks cause of inquiry 's and i hav n't even made inquiry 's since my first car. only things that should be on my report are All XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 

I contacted all the banks, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. they made an investigation and said i made the inquiry but i did NOT sign for these inquiry 's. i think i gave my social out to a scammer to a fake site that i thought is real. I already completed disputes with TransUnion. I had sent letters to the banks to send transunion a letter to remove unauthorized inquiry 's and i did not get a response back after that. 

I request that you remove all my inquiry 's on my credit report EXCEPT XXXX XXXX XXXX. once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address XXXX XXXX XXXX XXXX, XXXX XXXX If you find the inquiry referenced above to be valid WITH MY SIGNATURE, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. If my inquires do not get removed i will be taking this to a higher level of the bureau to the United States Government Consumer Financial protection bureau within 10 days i will continue to send letters to everyone i possibly can until this is resolved as well as i will get a lawyer to keep sending letters. 

Remove all unauthorized inquiries on my credit report. or i will keep lettering out to everyone continously. This is very hard on me when im trying to shop for a car with 6 people in my family that are all XXXX and i shouldnt have to go through all this on stuff i did not pull. everytime i send letters i call transunion back and the dispute process is told to me same way after i tried there process many many times. 

Thank you for your assistance in this matter, 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 explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: IN

Complaint narrative:
I have signed up for recurring payments with Sallie Mae 3 times in the past 6 months with their 3 month automatic payment plan. I contacted them XX/XX/XXXX after 3 payments were to have been taken out of my account ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and they said the XX/XX/XXXX payment had gone thru but the payment for XXXX had not. I contacted then again shortly after and they said none of the previous payment had gone thru so my account was delinquent. When I inquired the customer service rep they said my account was delinquent and the only way to get it current was to sign up for automatic payments which I did on XX/XX/XXXX again. When the payment scheduled for XX/XX/XXXX was not debited I contacted the customer service department again. They said My account was delinquent once again and that My only way to bring it current was to sign up for automatic payments. The next payment was debited on XX/XX/XXXX which only was debited from my account because I made the payment not because it was automatically taken from my account as it was supposed to be. During this ordeal my credit score has suffered, and received negative marks due to Sallie Mae 's inability to keep up with my payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-01 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: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I acquired an auto loan from Westlakes Financial. Monthly payments beginning XX/XX/XXXX. On XX/XX/XXXX I got an unsecured personal loan from XXXX XXXX to pay off Westakes. Now a year and a half later, I tried to finance a vehicle and was denied due to a charge-off on my credit report from Westlakes. I immediately contacted Westlakes and was told that the pay off was short by {$30.00} by XXXX XXXX and now interest had accumulated to {$97.00}. I paid this immediately that evening to resolve it. Now, my account status says Account Paid - Was a Charge-off, which is ruining my credit. I have been denied by numerous banks because of the charge-off. I have made countless phone calls to Westlakes. About 3 different employees at Westlakes looked at my account and said the charge-off was not my fault. All of them said it was common sense that it was not my fault. I was told to call back a week or so later for a final decision on whether they would remove the charge-off. When I called, I was told they decided to not remove the charge-off. If CFPB requests phone calls made by me, you will hear the employees and one supervisor say that the charge-off was not my fault. Westlakes has been sued in the past. They have a history of taking advantage of people with poor credit. CFPB forced Westlakes to pay XXXX XXXX dollars in damages. One of the things Westlakes has been sued for is for breaking or changing contracts without informing clients. I have attached a copy of our contract. The contract is good through XX/XX/XXXX. Westlakes broke our contract and put a charge-off on all of my credit reports over {$30.00} owed, which I was never notified about. The amount was paid and the {$97.00} in interest was paid as well. This financial institution has a history of this sort of activity. To further show you the type of questionable activity that happens at Westlakes, I have attached two letters sent to me and my wife from Westlakes. At the beginning of my search, I tried to finance a car through Westlakes. In the rejection letters we received, we were both told that we were denied due to a previous repossession with Westlakes. My credit reports will show that neither me or my wife have ever had a repossession with any financial institution. Finally, I have also attached a copy of the Westlakes contract and the pay off check from XXXX XXXX to show the documentation. Thank you for your time and for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Tried to dispute inquiries with XXXX Equifax, and XXXX over the phone they all 3 told me it can not be done over the phone, which I have always done in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The equifax security breach has affected me greatly. I have spent years trying to rebuild my credit only to have my score dropped by XXXX points due to this security breach. Im terrified that someone is using my information to ruin my good name and steal my money. I now have to go through countless measures in what seems like a hopeless effort to fix a problem that I did not create. I have notified equifax that I was affected in their security breach and I enrolled in their program but I have yet to hear anything back from them at all. Not even a confirmation letter letting me know that they got my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
on XXXX XXXX 2017 opened account with, XXXX XXXX XXXX XXXX. they started running hard inquiries they did three in one a month, two on same day XXXX XXXX 2017 and shared my information with suntrust bank that ran a hard inquiry with out my permission contacted XXXX XXXX to get them to stop.had to close account with them to get it to stop now I have 4 hard inquiries on my credit report and my score has been lowered need this removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is reporting fraudulent inquiries on my credit report, And sharing the information with the public. 
I have wrote letters and filed complaints with other agencys and they continue to report these inquiries. 
They have had a breach in the system where millions of people personal info was used and i am XXXX of those people. They removed XXXX inquiries then reinserted them again which is illegal without notification to the consumer. i would like for them to remove all inquiries from my credit report immediately.

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 2017-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
CRA is reporting fraudulent inquiries on my credit report, And sharing the information with the public. 
I have wrote letters and filed complaints with other agencys and they continue to report these inquiries. 
They have had a breach in the system where millions of people personal info was used and i am one of those people. They removed 9 inquiries then reinserted them again which is illegal without notification to the consumer. i would like for them to remove all inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
Out of no where this debt collection shows up on my XXXX credit report. I am a victim of a natural diaster Hurricane Katrina. XXXX investigated this from XXXX XXXX XXXX and removed it from my account. The very next month they began reporting it on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted Ex peria 
n in XX/XX/XXXX about a dismissed bankruptcy that is showing on my bankruptcy report. Per the rules enacted on XX/XX/XXXX this bankruptcy does not meet the requirement of Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days.

Secondly when I receive a response when I disputed in XX/XX/XXXX I was told that it was verified through the court. I received this response from the court on XX/XX/XXXX. Stating that they do verify this information with the courts. 
Although it is credit agency policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

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 2017-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: WI

Complaint narrative:
XXXX sent an amt of XXXX to collections. Was removed by XXXX. Have been contacting XXXX ( who changed the amt to XXXX ) and the collection agency to Allied Collections.in XX/XX/XXXX.Have disputed the amt. With XXXX, Allied Collections and XXXX with no results. Allied hung up on me 2 times, XXXX gave me 3 different stories what the claim was for and I disputed 5 times with no result from XXXX  Sent to Better BusinessBureau. The dispute nos are XXXX XXXX XXXX in XXXX and the last conf no is XXXX which says pending since XXXX. When called re : XXXX told me to dispute again. System would not allow. This if rediculous. Was XXXX cust. for 14 yrs. ans switched because of poor quality in my home. There was no ETF was not in contract. What is the problem with Allied????? They are not doing anything to fix nor XXXX Will be contacting my Lawyer if not resolved shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have contacted XXXX XXXX XXXX in regards to an account listed on my credit report that I do not recognize. They are reporting to the major credit bureaus on behalf of XXXX XXXX. I have asked XXXX to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to XXXX XXXX XXXX. I have never had an account with XXXX XXXX. I have sent them XXXX Certified dispute letters stating that if they can not verify this account, they need to remove the account from my credit reports. They have responded twice with letter saying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hospital Services, Inc.
State: ND

Complaint narrative:
I did a check of credit report and found error from Hospital Services Inc ( HSI ) with a negative remark on credit in which I have not ever contracted with Hospital Services Inc on XX/XX/XXXX without this consumers knowledge of debt to HSI. On XX/XX/XXXX, I wrote HSI to dispute the issue. In the letter I asked for their North Dakota state license number as a registered collection agency, I asked for debt validation through a full audit of all transactions into and out of the agency via XXXX XXXX XXXX XXXX D.B.A.XXXX XXXX in XXXX, ND in which original debt was held and written off not a statement of account, I asked for a signed contract that I had with the agency with my wet signature on said contract, I asked for purchase date of debt to the debt collection agency, and I challenged the statute of limitations. 

I received written communication from HSI on XX/XX/XXXX stating that an itemized statement which contained personal medical procedure information to include lab tests and care received that was given to the collection agency by XXXX XXXX XXXX XXXX D.B.A. XXXX XXXX in violation of the Person Health Information Privacy code of HIIPA through the OCR Civil Rights to privacy in medical information. I did not ever sign any document to giving XXXX XXXX XXXX XXXX   D.B.A.XXXX XXXX  permission to divulge any medical information to any third party agencies. 

HSI specifically states on their website and letterhead that they are " A Debt Collection Agency ''. To collect debt in North Dakota, an agency must be licensed. There is no record with the Secretary of State of North Dakota that HSI is a licensed agency. HSI did not provide in their communication their North Dakota State collection agency license number. Hospital Services, Inc stated in the bottom of the letter that this communication is from a debt collector and stated that this debt had not been purchased. The itemized statement from XXXX XXXX XXXX XXXX  D.B.A XXXX XXXX shows that the amount was written off. HSI falsified information in the written communication. HSI states on their website that they communicate with the " debtor '' that they will post negative remarks on the debtors credit report as a means to get payment for purchased debt from hospitals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: ND

Complaint narrative:
My XXXX credit card account that was opened on XX/XX/2017 was lost/stolen. The balance of {$2500.00} is all fraudulent charges/transactions, and do n't belong to me. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX, XX/XX/2017.

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