vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I owe nothing to this company and no debt is valid. Any debt they allege is fraudulent and without merit. They are unable to produce any signed document evidencing a valid debt on my part and i have advised them of this fact is because of fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One has recently begun blocking customers ' access to their own data through third parties ( this being through the provider - XXXX ). This has prevented services I use from which rely on my data to discontinue functioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: NC

Complaint narrative:
XXXX XXXX XXXX has submitted 4 request to have the account removed from my report and the account has not been removed. Ive also disputed this account on 3 separate occasions but XXXX   XXXX XXXX has verified the account has responded to the dispute as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
My account was closed the day I made a payment, it was a payment to pay the past due after a rep said that was all I had to pay, so I called and a manager reopened the account. At that time a new card was reissued and I was told that I needed to call back and pay the balance after the new card was received. well the new card was never received, I've called several times to get the new card or pay the balance but was told by several reps that I could not pay until the new card was received and that was since XXXX. Yesterday XXXX I found out that the account was closed again so now I'm confused. I was told it was reclosed due to non payment, but Citi AAdvantage reps would not take the payment until I had the new card. My account is aging because the payment and new card situation. I am being unfairly treated. I asked the supervisor to listen to the recorded conversation where I was denied the payment being taken until the new card was given. My credit is being hurt due to the aging

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 2018-06-27 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: Receivables Performance Management, LLC
State: NC

Complaint narrative:
Receivables Performance Management has submitted 4 request to have the account removed from my report and the account has not been removed. Ive also disputed this account on 3 separate occasions but Receivables Performance Management has verified the account has responded to the dispute as valid.

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 2018-06-27 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: Clarity Services
State: CA

Complaint narrative:
All these companies that I had highlighted was contacted by me, but there end of it wasn't kept. These companies, with the exception of schools financial. Have unwanted, unwarranted, frivolous and excessive checks into my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NC

Complaint narrative:
discover bank closed my account and we agreed through a verbal communication that I would pay {$62.00} a month. The date for this was never confirmed. The person simply stated the first one would be withdrawn from my account on the XXXX of XX/XX/2018. Discover gave you an online website. On this online website it does not list any arrangement or dates and also does not show a payment pending. On XX/XX/XXXX I went to the online site and made a payment of {$50.00} dollars because after waiting over a week for something to post nothing had posted to my bank account. I also called Discover and told them I did not see anything posted and the payment where not showing online. they informed me they don't show this information on line and they don't send out letters but said the agreed about was {$62.00} and it was coming out on the XXXX of each month. I informed discover on XX/XX/XXXX that I was not comfortable having an agreement where I had no written information on what the agreement was and one where payments would not show up any where and I would receive no statement about the debt or amount owed. Discover stated they would try to mail out a letter on the XX/XX/XXXX and that the payment of {$50.00} would be reversed since they already processed a payment of {$62.00}. Neither of these happened. The payment of {$50.00} went through and on XX/XX/XXXX XXXX received an email that the payment of {$62.00} did not go through. At this point I was confused how almost a month later Discover is just now processing the payment. I went onto their website and scheduled a call for Friday XX/XX/XXXX at XXXX EST. did not receive a call till Saturday XX/XX/XXXX at XXXX in the morning. Nothing was resolved. Stated again I wanted a letter talking about the arrangement was told one would be emailed to me that day. Nothing has been received. Scheduled another call for Monday XX/XX/XXXX at XXXX. Received a call on XX/XX/XXXX at XXXX. Spent majority of the call on hold and explaining to them that after getting my scheduled call 30 minutes later I did not have a lot of time to talk. Although they seemed to just want to update information. Asked again for a letter to be sent out on the arrangement this time via mail. Was told I already requested a letter. Discover bank is making it impossible to work with them and refusing to send out information related to the terms of a payment arrangement of the debt. they give you an online system but nothing can be honored on that system. At this point Discover can pull whatever amount they want at any time and I have nothing to back this. They are not answering when calls are scheduling and when you do speak to them on the phone they lie to get you off the phone and do not do what they stated they will. this hostile attitude is making it difficult for me to trust the issue will not become a larger one. due to multiple lies already done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: WA

Complaint narrative:
I am submitting this issue with a complaint about my Discover Student Loans. I have been through multiple calls and have now sent three different letters of dispute, as well as, an online document to my loan portal. Asking them to prove documentation of acquiring all information and custody of two loans from XXXX bank. Zero information was given to me that the loans were purchased, no contact nor any form of agreement was confirmed. Only a single document, 5 years after the initial loan that I am paying them now. Ever since, Discover has increased my student loan rate to absurd levels far beyond it possible for decent living while working 3 jobs. I have to receive any documentation pertaining to receiving notice when my interest increases ( count is 3 missed occurences ). Even calling about taking almost half of my monthly paycheck for a change in payment plan has fallen through because they have refused the service due to, " you have payed everything on time and in full, what is the problem with paying now. '' Currently have three loans with Discover. 
Total amount : XXXX Monthly payment : XXXX Not only have all mailed versions, phone calls and online Discover submitted letters have been ignored. It is possible because I am still not missing payment dates that they do not care. I have been trying to collect my due information in lines with the Fair Debt Collection Practices Act and similar state laws. I have been in contact with the XXXX and their advisers. At this point they recommended that I contact my state attorney general and the CFPB for assistance. 

At this point, what would you recommend? 

Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX to be guided on a personal loan I wanted to request and XXXX XXXX let me know the documents I had to provide. On Monday, XX/XX/2018 I sent the application online and then I sent the other documents by email as required by the instructions. The same day, XXXX XXXX XXXX XXXX XXXX called me to let me know that he was going to send me the application by email because the system had not registered it when I filled it out online. Immediately I proceeded to fill it out and sent it to XXXX XXXX 's email so he could process it. Today, XX/XX/XXXX, XXXX XXXX called me to inform me that he needed my husband 's information so he could process the request. I informed him that the loan was going to be requested only by me since my husband has the credit very affected and I did not want that to affect the low interest rate that they could offer me if I did it by myself. I mentioned that I had previously obtained loans without including my husband, but XXXX XXXX replied that including the spouse was a rule of the bank. I told him that I didnt know that it was mandatory to request with the husband since it wasnt explained in the web page instructions, not in the application and not when I called to get the orientation. I told him that if I had seen that rule before I would not have applied for the loan because I wanted to do it by myself. I asked him if he had obtained my credit report and he said yes, that he had it with him and that the score had gone very well. I understand that XXXX XXXX had to wait until he had the main documents and then proceed to request my credit report because in the application I let him know that my marital status is Married. This action resulted in my credit score having been lowered because I didnt accept that my husband entered the loan without having knowledge that it was a requirement of the bank. It is fair that this inquiry be removed from my credit history because I have no knowledge of this bank rule of having to include the spouse in the personal loan.

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 2018-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: TX

Complaint narrative:
XX/XX/XXXX CAPIO PARTNERS LLC was made aware that accounts that their company held under my social security numbers were a result of identity theft and did not belong to me. Capio verified this account as mine however they do not belong to me. Capio did not send me a letter notifying me that this account was owed and was being reported to the credit agencies. Capio is continuing to report inaccurate information onto my credit file. Not only that how can Capio verify anything medical with a credit agency being that U have never signed HIPPA form authorizing CAPIO PARTNERS to have access to my patient information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have a collection of my XXXX and XXXX report from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. They are reporting " Time SInce Negative '' as being XX/XX/2017. This being a " Negative Account '' showing that it appears I was late or didnt pay a bill just 11 months ago vs actual 4+ years since I have been late on anything. This is having a tremendous impact on my credit score and is causing me to be unable to purchase a car. I have disputed till I can no longer dispute on line, I have called and am told " this is correct ''. First, I am not aware of this bill as I have never received any information on it. I explained to the rep with XXXX that I have a copy of my lease showing that I have lived at this address for almost 5 years and according to XXXX that isn't good enough. " They already proved it is yours ''. I dont see how, I would like something showing I singed for this contract. The rep says it isnt impacting my score but if that is the case they why even have a " Time Since Negative '' for a potential lender to see and judge me by. As I said, I have paid my bills, every one on time no late payments for the past 4+ years. In reading other post regarding XXXX   they seem to be notorius for reporting wrong " Time Since Negative '' Information causing a lot of others problems.

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 2018-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I'm went in to XXXX XXXX XX/XX/XXXX with a credit score of XXXX. Paying my debts on time took my score to XXXX. XX/XX/XXXX my score went downstairs 74 points. My creditors are showing a good payment history on my credit report but they put it in negative status. Capital One, XXXX Credit Card , XXXX XXXX. XXXX Car Finance has me owing XXXX dollars when I only XXXX dollars. I've been doing everything I can to satisfy my debts with my creditors and raise my credit score so I can purchase a home. I do not think it's right for them to put me in negative status since they agreed to the terms bye XXXX XXXX. They were in a positive status. Then all of a sudden it's negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: SECURITY FINANCE CORP
State: NV

Complaint narrative:
I took out a payday loan with XXXX in XXXX NV. in XX/XX/XXXX and have been unable to pay it back. It is now on my credit report in collections. XXXX continues to run hard inquiries on my credit even though I have asked them twice not to do so. I personally spoke to an employee named XXXX ( last name refused ) and asked him not to run any hard inquiries. He said they had right to do so because they just wanted their money. I told him he was wrong because I was not applying for a new loan, it's an old unpaid loan. I was notified by XXXX  XXXX that another hard inquire was done today XX/XX/XXXX. This makes four hard inquiries since my unpaid loan went to collections and on my credit report. They will not stop.

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 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
I had come across some information on my credit report that did NOT belong to me. I disputed said alleged debt first with the credit bureaus. Their response was that the alleged debts were verified I had responded to the bureaus, and The Thomas Agency via certified mail, disputing the debt. I had asked for VALIDATION of such debts. I did NOT receive a response, yet they continued to violate FCRA & FDCPA laws by continuing to furnish such allegations. Attached are copies of the correspondence that I had with them. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed in letters are not deleted. In addition XXXX has failed to follow the law, and has ignored validation requests as well as following protocols as outlined In the FCRA/FDCPA.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-27 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2018 I made an agreement of payment for an Sync/XXXX account that is negatively listed on my CRA 's to be to be removed. The company agreed to delete this tradeline from all credit reporting agencies and sent me a letter of agreement. I've submitted this letter along with a dispute to the credit reporting agencies for deletion and Synchrony keeps returning the dispute as valid information and not complying with the deletion.

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 2018-06-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am contacting your firm due to my stolen documents and jewelry that I kept in a safe deposit box at your bank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX. My husband went into your bank on or around theXX/XX/XXXX to empty out our safety deposit box just to find out that it had already been emptied out. At this point one of the workers stated that they could not open it without his key, which that isnt true. Why would I pay for the use of a safety deposit box for years if it is empty? Why would you state you will credit me back one if you knew it was empty? It does not make any since to pay for a box that nothing is in for years. We have not been there for years, you should be able to see the last time we opened my safety deposited box prior to you telling us to empty it out because you are closing the branch in XXXX XXXX. I had over 25 thousand dollar in jewelry in that safe as well as my last will in testament, and all the titles to my properties which now I will have to pay to have it replaced. Its hard when you cant even trust the bank. My husband should have called the police before he left your facility. I called several time and was placed on hold. I held for 30 minute twice and 15 minute several time before someone said they would have the supervisor call me back. They gave me several numbers and I called them all.

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 2018-06-27 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: MD

Complaint narrative:
I HAVE SEND ABOUT 4 TO 5 LETTERS TO EXPERIAN CLEARLY ASKING FOR PROOF AND I WAS TOLD BY AGENT XXXX ON OR AROUND XX/XX/2018 WE DON T HAVE ANY PROOF OF THESE ACCOUNT ARE YOURS.. AND WE CANT VERIFIED THEM AT ALL .. 


ON XX/XX/2018 I CALLED XXXX XXXX XXXX ASK FOR PROOF OF THE ACCOUNT THE AGENT XXXX ID # XXXX THIS ACCOUNT IS NOT IN OUR SYSTEM. I ASK THEM DID EXPERIAN CALL HE SAID NO I ASK THEM HAVE THEY HAVE ANY CONTACT WITH EXPERIAN HE SAID NO : XXXX XXXX XXXX NUMBER # XXXX DELETE NOW ./ NO RECORD NO FILE NO INFORMATION 609 PROTECTS ME AGAINST FALSE REPORTING AND I SHOULD POINT OUT HERE THAT THAT'S EXACTLY WHAT THIS IS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 


THE XXXX XXXX XXXX ACCT # XXXX I CALLED THIS ON XX/XX/2018 TALK WITH AGENT XXXX ID XXXX I ASK HER DID I HAVE ACCOUNT SHE SAID NO FILE FOUND SECOND QUESTION ASK DID EXPERIAN CALLED OR EMAIL SHE SAID NO ... 
UNVERIFIED INFORMATION NEEDS TO BE DELETE NOW FIX CREDIT SCORE BACK TO XXXX THANKS GOOD DAY THIS LETTER WILL BE SEND TO THE ( FEDERAL TRADE COMMISSION ) THE SUBCOMMITTEE ON BANKING, CREDIT AND INSURANCE, AND THE DEPARTMENT OF BUSINESS AND PROFESSIONAL REGULATIONS ( DIVISION OF CONSUMER COMPLAINTS. )

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