vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Upon checking my credit report on XX/XX/2019 I saw my score has dropped due to a hard inquiry on my report by Capital One credit card that I did NOT do. It was done on XX/XX/2019 in which I did not do nor did I authorize Capital One to run my social security number at all. I have contacted them or tried since XX/XX/2019 by phone and always placed on hold for over 45 mins to one hour each call. I have made 8 calls since XX/XX/2019 at different times of the day. I am requesting that this hard inquiry be taking off my credit report. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently checked my credit report and realized that are a couple of inaccurate information regarding late payments on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 


Dept OF XXXX Account # - XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.

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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit report and realized that are a couple of inaccurate information regarding late payments on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 


Dept OF ED/XXXX  Account # - XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, I received a letter from Equifax stating that the wrong addresses that is being reported on my credit file had been deleted but according to my credit file on XX/XX/XXXX, incorrect information is still being reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I applied for their promotional checking account offering {$300.00} for opening a checking account, I opened the account on XX/XX/XXXX received my debit and letter confirming my option our for overdraft protection on XX/XX/XXXX all be email as I requested all documents, statements by email as I like to save paper. So, I did everything that I was required to do, to get the {$300.00} promotion and needed to make sure it stayed opened with no negative balance, no problem! 
Then on XX/XX/XXXX I received a letter in the regular mail from chase dated XX/XX/XXXX saying they will be closing my account ( I have XXXX informed delivery, which you get an email showing you the mail you will receive that day from the post office ) it was an the XXXX informed email I received that day as well. So, they held on to my money, sent me a debit card, emailed me a copy of the option out of overdraft letter on XX/XX/XXXX they like cash flow to make money then XXXX the consumer, stay away! Unfortunately, consumerfinance.gov would not let me reply and closed it after their reasoning is the agreement in the small print as usual, they can close your account at any time for any reason. For any of those that want to see my documents I will be glad to show you as attached and please notice dates of letters received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Account number # XXXX is showing on my report multiple times and is ruining my credit, it should only be one account. I have tried numerous times to get these duplicate accounts removed to no avail. This account is a US Dept of ED/XXXX/XXXX # XXXX has been deleted from my credit report the other accounts showing the same account number need to be deleted as well. Account # XXXX is a XXXX XXXX account but XXXX XXXX was the original creditor. The XXXX XXXX accounts have been deleted from my credit report. XXXX  former name was XXXX XXXX and the XXXX accounts have been deleted as well.

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 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
Diversified Consultants ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX They are saying I owe {$760.00} and the original balance was {$430.00}. They are also saying the debt is from Florida and the date opened was XX/XX/2015. I lived in Massachusetts during that time. I have disputed this with XXXX and XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The company took it upon themselves to lower my credit limit by {$1300.00} stating they sent a letter, which was never received. i questioned the change they said they have the ability to change a limit or close a card based off monitoring credit, i have had the card for almost 3 years and have never had any issues with it, there was one payment returned by the bank because they didnt recognize it as my husbands card and thought it was fraud, the payment has since been paid. they lowered my card from {$2000.00} to {$700.00} when theres already a dental charge on there for almost {$600.00}, so now they have not only harmed my credit by doing so, it shows that the card is at 80 % use. i can no longer even use the card. its unfair and abusive for a credit company to take advantage of a customer in the way they have, simply after one issues in the whole 10+ years i have even done business with them.

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 2019-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: PA

Complaint narrative:
i am lodging a formal complaint against firstpoint collection. this debt collector has reported derogatory info on my credit reports for a {$240.00} debt that doesnt belong to me. I have sent this company numerous debt validation request with no response from them, but they are reporting every month on my credit reports, which is a violation of the fcra. a debt collector must cease and desist while validation is provided. i am in the process of purchasing my very first home and im being told this account that doesnt belong to me is stopping me from being approved. im requesting this account be deleted immediately from my credit reports so i can purchase my home for my kids. thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: OH

Complaint narrative:
We have had a savings and checking account at the USBank branch in XXXX, Ohio XXXX for many years. A few years ago, on a routine visit, a bank representative at this location told us that we would automatically receive " Courtesy Overdraft Protection '' for our checking account. It was presented, and thereafter regularly written as a " Reserve '' account on monthly statements and online. To the best of my knowledge, no documents were signed by my wife nor I. From the information which the representative presented, we understood that, should an overdraft occur, monies would automatically be transferred from our account to cover the overdraft amount. There was no mention of fees, nor was the " reserve '' account ever referred to as a " line of credit '' until I questioned another bank representative over the telephone a few months ago. Unknown to my wife and I, one overdraft event had accrued over {$1200.00} in fees and interest. Had USBank referred to the " Reserve '' line as a " Credit '' line, we would have paid the overdraft immediately months earlier. We filed a complaint with USBank corporate which was rejected via a form letter in XX/XX/XXXX without any clear explanation. The local branch manager has not responded to repeated requests for documentation. 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 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
I have a collection/ charge-off account on my credit report with XXXX , XXXX  & XXXX . The Account is with NCC Business Services in the amount of {$850.00}. I am not challenging the validity of the debt. The debt has been paid, and I can provide a final payment statement showing {$0.00} balance owed. However, I never received any written communication about the debt, before it was placed in collection and added to my credit file with all 3 major bureaus. I asked NCC Business Services to  request the credit record be deleted from my credit file, due to the fact the debt is paid, and I was not provided with any communication about the debt until I saw it on my credit report. Their response was that they sent letters. I never received any communication from them, and therefore did not have the opportunity to fulfill my obligations before the debt was reported. I would like NCC to provide proof of contact, or I ask that the file be deleted from my credit report with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: TX

Complaint narrative:
Earlier this year I discovered an account on my credit report that I wasn't familiar with. It is being collected by Midland Funding or Midland Credit Mgmt. I sent the credit bureaus   disputes and they verified the debt as valid. I also disputed directly with the collector and the collector mailed me a simple statement generated by their computer that says I owe a balance. They did not send me anything linking me to this debt they claim I owe. Their statement sent as a response is attached. I wrote them a second letter and pointed out they did not send me anything as proof and that anyone could create their own statement and claim someone owed money. This letter is also attached to this complaint. They responded by sending the exact statement again with a new date on it. This second statement is also attached. I have read enough to know that they can't just demand money from me without proper paperwork to support what they are collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: CA

Complaint narrative:
Equifax credit report is continuing to report derogatory charge offs from 9 & 10 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
Thanks for the opportunity to file a complaint. 
Debt collectors have contacted me for at least 20 years about a XXXX XXXX 's various debts. I am disgusted. I am sending the letter below to this company. Honestly, I fear letting these people know my real name.

Why do you ask at the end of this complaint if I am the account holder or debt owner? I am neither. That is the problem.

Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX   XXXX Dear debt collector, Re Transworld systems account number XXXX I am not XXXX XXXX. I have never been XXXX XXXX. It is not a derivative of my name. I have no children and do not have any relatives by that name.

No one by that name has ever lived at this address. Fact.

Even better, I have been a XXXX XXXX customer most of my adult life and definitely the past 26 years. XXXX XXXX knows who I am and knows that I do not owe them a dime and never have. If I owed that money at my address I would not have heat and lights and you know it.

Attaching someone elses first name to my last name and address is filthy.

You can threaten that unless I spend the time I have in life on someone elses debt that it then becomes a valid debt for you to pursue?

Why dont you pursue the right person?

But you never know right? One day, maybe soon, I will be so old and infirm that I just might pay someone elses debt and you will get a commission.

Maybe I will die and someone will pay XXXX   debt to settle the estate and you will get your commission.

Debt collector, try harder to find the right person.

Remove my contact information ( address ) from your file.

Do not contact me again.

If you have reported this debt to my credit file using my address, remove it.

I will be filing a complaint with the federal consumer protection bureau.

I am sick to death of collectors coming to me for someone elses debt.

I am not signing with my name because I believe you will then update your records with it.

Look up your own account number. You have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
This morning, I had a positive balance of {$70.00}. At XXXX, I was charged an overdraft fee of {$180.00}, putting the balance of that account at - {$100.00}. I am overdrawn because of an overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: TX

Complaint narrative:
Credit bureaus are reporting bankruptcy as of XXXX XXXX on my credit file

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 2019-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I have managed my Bank of America credit card with excellent payment history, continually paying my balance in full each month. With zero notice, the bank closes my account and refuses to honor my {$16.00} in earned rewards dollars. I call customer service and account representatives offer no help. Bank of America offers no decency in making things right with consumer and is denying money that is owed to me. Horrid experience.

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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
Sagestream LLC They are asking for info about me that I am not comfortable giving them in order to receive a copy of my credit report. XXXX, XXXX, and XXXX don't make it so difficult.

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 2019-04-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
I received a letter from Radius dated XX/XX/19 stating that I agreed to pay them {$2000.00}. I NEVER made this Agreement. I have Never spoken to anyone at Radius. I do Not owe this debt and certainly would not agree to pay it. XXXX XXXX was the original creditor of this debt and XXXX XXXX has been deleted from my credit report. XXXX XXXX changed their name to XXXX. All XXXX accounts have been removed from my credit report because the were XXXX XXXX. XXXX sold this debt to Radius during the time I had a complaint with the CFPB against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I have had several Bank accounts and credit cards that was opened in my name. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: COAST PROFESSIONAL, INC.
State: PA

Complaint narrative:
Yesterday I received a wage attachment/Garnishment from The department of education via debt collector Coast Professional Inc. They are about to seize 25 % of my disposable income from my check. 

The money is said to be {$78000.00} loan of which I have never seen or heard of. It does not tell me dates of the loan, who the original provider was nor what school the loans are from. 

When I check my loans on federal student aid website, none of this matches what they are attempting. When I check my credit report, I havent noticed anything like this either. 

I have called the numbers listed both yesterday and today and havent gotten through. 

I do not know how a company can just take money from your check without attempting to reach you or discuss payments first. I already have garnishments regarding family and simply can not afford something else taken out without my consent.

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