vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have sent 3 rounds of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. 

The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. 
The information need to be verified via XXXX XXXX. 

I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. 

However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. 

Please help get this corrected. 
Thank you

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 2018-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, our checking account # XXXX was closed with no explanation or no noticed.The account was in both names XXXX and XXXX.with Bank of America.After numerous visits at headquarter without any resolutions.. I made many calls to the Compliance department, customer services via phone center and online Customer Resolutions department. and several phone calls to XXXX XXXX XXXX in Customer Resolution. XXXX XXXX last conversation XX/XX/XXXX stated he reseached and the accounts are closed, and restricted and he could not help me further. All phone calls were recorded and a paper trail exits in the Bank of America banking system.Each conversation was typed in their system. I have copies of typed on-line complaints I made to the Bank of America..We have XXXX children and in need of our money approximately over {$7000.00} as soon as possible.

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 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Beginning on XX/XX/XXXX my wife started receiving calls from a debt collector looking for me. They left a voicemail that said that I was going to be served papers in an hour and that they will find me.

On XX/XX/XXXX the calls were repeated and stressed that if I did not call them it would count as a missed court appearance. They are calling all day threatening to serve me papers and being held in contempt of court if I don't communicate with them.

The calls have continued as of today XX/XX/XXXX with the same threats.

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 2018-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Had a doc visit from XX/XX/2017. Had a XXXX copay tried to use my health savings card but Reilized it was expired. So I payed cash to the office which is part of XXXX XXXX. 
They have threatened jail time. Law suits, use very profane words when I attempted to contact them. 
I have spoken to XXXX XXXX about this and their billing told me it was paid by cash. And why am I calling them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was approached by Wells Fargo during a university 's new student orientation day in XX/XX/XXXX. I opened a checking and a credit card accounts in XX/XX/XXXX. A college credit card had a limit of {$1000.00}. After two years, I called Wells Fargo to see if that credit limit can be increased. I was still a college student at this point. The customer representative said yes. After few minutes he said now you have a credit card with {$5000.00} limit. And I said, there must have been a confusion I just want to increase the limit of the current card I hold. The customer service representative said he could not increase the college credit card because it was a college credit card and had a limit of {$1000.00}. So in XX/XX/XXXX Wells Fargo opened a flexible spending credit card under my name without my permission. Now from what I hear Wells Fargo has been doing, I also am a victim of their fraud. Since Wells Fargo is my first bank, it's hard to close my bank account with them without having my credit downgraded. There should be a policy where credit card opened without your consent, your credit score should not be hurt. I urge Wells Fargo 's practice to college students to be closely reexamined.

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 2018-05-31 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:
What is wrong with Experian, I provided a letter directly from XXXX XXXX regarding the XXXX XXXX account listed which is NOT mine and is fraud. Not only I have provided the letter to Experian as well as the other two agencies the other two agencies have already removed. Even XXXX XXXX XXXX has requested removal to Experian and here we are two almost three months later this account is still listed. This is my last attempt to correct this mistake, if it is not correct I have no choice to take further actions and get legal advice as this mistake is holding up a financial move costing me money and it is not my doing.

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 2018-05-31 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery Associates is incorrectly reporting the date of a debt they have purchased. They are listing the date current as of the time they purchased it which is incorrect. The date should reflect the date in which the original account was closed. I have attempted to contest this with them and they continue to incorrectly report the debt. I believe this affects my credit score as this debt has been paid/charged off in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX client XXXX XXXX is a victim of identity theft. She was notified by Capital One of a fraudulent Capital One account established using her information without her consent on or around XX/XX/XXXX. An official dispute of this account was sent to Capital One XX/XX/XXXX ; Capital One then made contact with my client via letter XX/XX/XXXX asking for additional information along with an affidavit for my client to complete ; which my client did comply. As of this date Capital One has not provided any updates as to the status of the investigation which is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have sent 3 rounds of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. 

The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. 
The information need to be verified via XXXX XXXX. 

I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. 

However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. 

Please help get this corrected. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have sent 3 rounds of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. 

The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. 
The information need to be verified via XXXX XXXX. 

I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. 

However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. 

Please help get this corrected. 
Thank you

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 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I have been requesting for my PMI insurance to be removed since XX/XX/XXXX. Followed all the written requests and have tried on a monthly basis to get my request approved with no action from the mortgage company. 

I was told that in order to pursue my PMI removal request, that I would have to pay for the appraisal fee which I did pay for. This request was completed on XX/XX/XXXX and I was told by the underwriting department that a refund would be returned due to insignificant home improvements did not meet the guidelines of my appraisal request. 

I attempted to work directly with the loan company which continues to give me the run around and I am know filing this formal complaint. Copy of the last correspondence is attached below : XXXX XXXX. 

After review : your upgrades do not meet investor requirements as Significant enough to increase the market value of the home. 
After XX/XX/XXXX your loan will be over 2 years old and significant upgrades will not be required. 

Your appraisal fee of {$420.00} will be refunded. 

Thank you XXXX XXXX Escrow Tax Specialist Escrow Department XXXX , XXXX XXXX That Exceeds Expectations O : XXXX XXXX : XXXX | XXXX : XXXX A : | XXXX, FL XXXX | NMLS # 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 2018-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2018, i authorized an amount of {$91000.00} from my savings account be sent via international wire transfer through my bank ( TD bank ), but the recipient is yet to receive the funds after three weeks. I tried to resolve this issue by submitting all documents requested, three subsequent visits to the bank and a countless phone calls but all to no avail. My question is, if there isn't any hold up as one of the reps told me yesterday, why are they holding the remittance when my family are in desperate need of it? Any help from you will be greatly appreciated. Many thanks!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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: CORELOGIC INC
State: NV

Complaint narrative:
XXXX a company consumer reporting agency located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX has false information reporting thereto third parties such as XXXX XXXX and other agencies whom stated that they found negative reporting and could not fund our loan. This information is unknown and is falsely reported. I have never heard of XXXX until XX/XX/XXXX. They had my birthday ten years older than what i am and one day removed from my original birth date. Something is very strange with this information they posted. XXXX XXXX denied us after we went over the information due to some unknown issues newly found. XXXX and XXXX XXXX working together. XXXX { XXXX  } has been harassing us since they alleged to have acquired a loan from the FDIC on XX/XX/XXXX. At the same time i, was battling to regain my investment with XXXX XXXX XXXX XXXX so that is how this began.

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 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my credit report after paying off two accounts that stated I owed monies on them and saw that the two accounts that were paid in full was still on my credit report. The accounts are XXXX XXXX XXXX XXXX XXXX in the amount of {$1100.00} and XXXX XXXX XXXX XXXX in the amount of {$80.00}, these accounts were paid in full and are reported still on XXXX, XXXX and Transunion. I would like these accounts to be removed as they are impacting my credit report negatively as they have been paid.

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 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I checked my credit report after paying off two accounts that stated I owed monies on them and saw that the two accounts that were paid in full was still on my credit report. The accounts are XXXX XXXX XXXX XXXX XXXX in the amount of {$1100.00} and XXXX XXXX XXXX XXXX in the amount of {$80.00}, these accounts were paid in full and are reported still on XXXX, Equifax and XXXX. I would like these accounts to be removed as they are impacting my credit report negatively as they have been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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: NY

Complaint narrative:
1 ) XXXX XXXX XXXX reported Delinquent, which incorrect, was dispute and was trying to correct 2 ) TransUnion Credit Reporting wrong information on Delinquent, and recent credit inquiries 3 ) XXXX Credit Credit Reporting wrong information on Delinquent, and recent credit inquiries 4 ) XXXX Credit Reporting wrong information on Delinquent, and recent credit inquiries

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 2018-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One is blocking me from enabling external applications. A representative told me over the phone that they do not consider XXXX  to be a trusted site and therefore will not enable me to allow them to connect securely ( https ) to my business bank account. 

I have the right to access my financial data. Please make CapitalOne allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
When trying to use a finance management app, specifically XXXX, it says capitol one is blocking external access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a Personal Loan Approval and wired {$600.00} Via XXXX XXXX XXXX to Citibank for the Origination fee.

Citibank was unable to deliver the money to the recipient because the Account was closed. Many attempts have been made both by me and XXXX XXXX XXXX asking to recall the money but Citibank refused to respond.

I just want my fee returned to me because the Loan process was not completed.

This is a case of Exploitation of the Elderly for Monetary Gains.

I have sent in supporting documents to your office already.

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 2018-05-31 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: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX will not remove a paid collection from my credit report. The balance owed was {$130.00}, which was paid in full in XX/XX/XXXX. I filed a dispute with XXXX  in XX/XX/XXXX and XXXX XXXX XXXX reported I still owed the amount. I called XXXX XXXX XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and each time I was told the account had been paid off and the collection would be removed from my credit report. It is still listed as a collection and should be 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 2018-05-31 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: DISCOVER BANK
State: PA

Complaint narrative:
I WAS CHARGED FOR SEVERAL CHARGES ON MY DISCOVER CARD WHICH I REPORTED BACK WHEN THEY WERE ON MY STATEMENTS AND THE CREDIT CARD COMPANY DID NOTHING FOR ME TO RESOLVE THIS MATTER. I WILL LIST THE CHARGES ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX I NEVER DID BUSINESS WITH THESE COMPANIES AND NEVER AUTHORIZED ANY OF THESES TRANSACTIONS. PLEASE HELP ME GET MY MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: IL

Complaint narrative:
My credit card is enrolled in automatic payment plan with the creditor to draft the balance and pay the account in full each cycle. In XX/XX/XXXX the balance was {$580.00} and was paid in full via auto draft by the creditor. In XX/XX/XXXX, although there had been no new charges, the creditor charge me interest as if the balance had not been paid and drafted another payment of {$9.00}. On XX/XX/XXXX I called the creditor to address my concern and they refused to correct the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I called Cavalry Portfolio Services about a collection that showed up on my report. They instructed me to contact XXXX XXXX XXXX and make the payment to them as they were hired to collect on their behalf. I called XXXX XXXX XXXX and the person on the phone said it was a balance of {$470.00}. I asked about a settlement and they agreed to receive {$310.00} after asking Cavalry for an extension. I was told this would absolve me from the debt owed after I called Cavalry and they said after the {$310.00} payment they would delete the tradeline from my credit report. As of today, XX/XX/XXXX, 7 days after the payment was made Cavalry updated the balance from {$470.00} to {$160.00} instead of {$0.00}. This means they lied to me on the phone and have began to report a balance that's not correct.

Company response to consumer: Closed with explanation