vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-09 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: CA

Complaint narrative:
I opened a secured credit card account with Orchard Bank in XX/XX/XXXX. I put {$200.00} of my money down as the security deposit. However Capital One took over Orchard Bank back in XX/XX/XXXX, so they became the new owners of my secured credit card. So now that I closed the account I have tried for months to get my {$200.00} security deposit back and I have talked to over 10 people and everyone keeps passing me around and no one can help. Im getting the run around from capital one and refusing to refund my security deposit. 

On XX/XX/XXXX I called Capital One to close my account and request my {$200.00} security deposit, however I was informed by customer services that I had to contact Orchard Bank to get it from them ; But, I refused and told them that Capital One needed to refund my money since they took over the account from Orchard bank. So XXXX senior supervisor was going to request an investigation to their back office and will take 5-10 business days to get an answer. Nevertheless I didnt hear from them so called again XX/XX/XXXX to follow up and I was told by XXXX supervisor that back office was still working on it. On XX/XX/XXXX called again since I hadnt heard anything yet, I was told by XXXX customer service that capital one will not issue a refund because when capital one took over it became an unsecured credit card and that it was nothing in their system that showed my account was a secured credit card. Therefore I requested to retrieve my original agreement I had with Orchard Bank, but he said he could only provide that one from XX/XX/XXXX when capital one took over the account. I refused and demanded my original agreement which XXXX the supervisor was going to request from their back office but until date I havent received or heard anything from capital one. 

Please help me because I don't think its fair that capital one is refusing to issue my refund just because is not in their system that my account was a secured credit card, I have no reason to lie besides if they had informed that my account was becoming unsecured when they took over, I would have requested my security deposit right away. But they never informed me and since I always paid the annual fee which was part of my secured credit card agreement I assumed was still a secured credit card rather than unsecured. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer on the basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.

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 2019-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST
State: NV

Complaint narrative:
I still recall that eperience I had with Bank of the West while I tried depositing money into my account. My balance was negative by less than 100 dollars and the atm acted up. My debit card had not returned to me and the money did not reflect on my account. I called Bank of the West Customer Service and the lady I spoke to stated that they would send a tech person, but wasn't alowed to disclose any info. So I recieved a call from the bank the next day to pick up my card. I asked the manager if he can waive the fee and stated he couldn't because he had done it once. He knew about my curcimstance and did not bother to honor the atm issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2019-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer on the basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX , XXXX put a derogatory mark on my credit report saying that I have an outstanding, unpaid balance with XXXX XXXX for {$490.00} ( was co-pay for XXXX XXXX ). I had paid this by check back in XXXX/XXXX. My check was cashed and I have the images of the cashed check. 
Also, I tried to dispute it with Experian and they make it impossible to dispute anything on their web site. They go through a few steps to verify previous addresses, phone numbers, etc to make sure it is really you, then they tell you that you could not be verified and are not allowed to file the dispute unless you sign up for an account with them. This should be illegal. I was able to file a dispute on XXXX   web site with no problems and they didnt try pulling any tricks. 
Furthermore, I have contacted XXXX at XXXX XXXX and she confirmed that I did indeed pay {$490.00} in XXXX and that I indeed was paid completely and have no balance. 
I also called XXXX, explained everything and how they made a mistake and they said theyd look into it and call me back but never did and now I cant even get a hold of a live person again. 
My credit score was XXXX 2 days ago and now it dropped to XXXX in 1 day because of their fraudulent and false report to my credit report. I was in the process of looking at new houses and was quoted a very good interest rate because of my score and now my rate might go up and cost me more money because of their mistake. 
They should be able to sued or fined for this. And the credit reporting agencies just as guilty for doing no due diligence and just changing your score based on some accusation that I didnt pay a bill, which I did pay months ago, and giving me no say or due process to present my case, and making it impossible ( in the case of Experian ) to even do so. 
Something has to be done about this. These companies have too much power to ruin peoples lives with no accountability on their part. The government should never let this happen, yet they allow it.

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 2019-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: MA

Complaint narrative:
I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer on the basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OF OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer on the basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-11-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-09 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OF OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OF OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: MT

Complaint narrative:
Thr XXXX  suggested I file a complaint here against my student loan " servicer '', Ascendium who took my student loans in 2019. They offset my taxes of {$5700.00} & told me they gave it to a company, new mexico but it's not on any statement. Now they direct me to XXXX  or XXXX XXXX  to resolve any issues since my loans are in default. According to fafsa, national system data site- my servicer is ascendium & NOT these other companies. I mailed paperwork, they claim not to have received & continue redirecting me. They removed themselves from my credit reports for XXXX  &  XXXX. I have contacted ascendium, fafsa, dept of edu, complained, ombudsman 's offices everywhere, XXXX   credit agencies etc. They still claim not to be my servicer so I can not resolve my loans, my offsets, I'm in default, it's nearly tax time again & I still dont have a servicer after 11 months!!! I have piles of paperwork & supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: PARSON BISHOP SERVICES, INC
State: NY

Complaint narrative:
Parson-Bishop Services , Inc. put a derogatory mark on my credit report saying that I have an outstanding, unpaid balance with XXXX XXXX for {$490.00} ( was co-pay for XXXX XXXX  XXXX. I had paid this by check back in XXXX. My check was cashed and I have the images of the cashed check. 
Also, I tried to dispute it with XXXX  and they make it impossible to dispute anything on their web site. They go through a few steps to verify previous addresses, phone numbers, etc to make sure it is really you, then they tell you that you could not be verified and are not allowed to file the dispute unless you sign up for an account with them. This should be illegal. I was able to file a dispute on XXXX   web site with no problems and they didnt try pulling any tricks. 
Furthermore, I have contacted XXXX at XXXXXXXX XXXX and she confirmed that I did indeed pay {$490.00} in XXXX and that I indeed was paid completely and have no balance. 
I also called Parson-Bishop, explained everything and how they made a mistake and they said theyd look into it and call me back but never did and now I cant even get a hold of a live person again. 
My credit score was XXXX 2 days ago and now it dropped to XXXX in 1 day because of their fraudulent and false report to my credit report. I was in the process of looking at new houses and was quoted a very good interest rate because of my score and now my rate might go up and cost me more money because of their mistake. 
They should be able to sued or fined for this. And the credit reporting agencies just as guilty for doing no due diligence and just changing your score based on some accusation that I didnt pay a bill, which I did pay months ago, and giving me no say or due process to present my case, and making it impossible ( in the case of XXXX  ) to even do so. 
Something has to be done about this. These companies have too much power to ruin peoples lives with no accountability on their part. The government should never let this happen, yet they allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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:
THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, I'VE HAD FRAUD COMMITTED UNDER MY NAME IN THE PAST AND I AM NOT LIABLE THOSE ACCOUNTS BEING DISPUTED. PLEASE REINVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT AS SOON AS POSSIBLE. IT HAS BEEN REALLY HARD TRYING TO ACQUIRE NEW CREDIT WITH DEROGATORIES ON MY ACCOUNT. KEEP IN MIND THAT THOSE ACCOUNT I DID NOT AUTHORIZED UNDER MY NAME AND IT IS A CRIME FOR SOMEONE TO HAVE ACCESS TO MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE.

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 2019-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I applied for a credit card through Wells Fargo at XXXX XXXX in XX/XX/XXXX to take advantage of a promotional payment offer. I was approved and made my payments on time until the balance was {$0.00}. My account was inactive from XXXX or XX/XX/XXXX until XX/XX/XXXX. 

In XX/XX/XXXX, I went to XXXX XXXX for a routine check of my credit. While on the app, I noticed the Wells Fargo store card was reported as closed by consumer. I was nervous as I thought I was a victim of identity theft, so I contacted Wells Fargo by phone to discuss the account closure issue. The phone rep explained that my account was closed by the bank for inactivity. While on the call, I retrieved the XXXX XXXX XXXX agreement ( revision XXXX ) and did not find any clause authorizing Wells Fargo to close the account for cardholder inactivity. I mentioned this to the rep ; she informed me she would escalate my issue to the Executive Department who would review my situation and notify me by mail of their decision. 

One week later, I received a letter from Wells Fargo saying they rejected my request to have the account reopened. I went to the Wells Fargo website to retrieve the credit card agreement and noticed that Wells Fargo made a new revision of their agreement ( revision XXXX ). 

This has negatively impacted my credit in that my credit utilization percentage was increased by this decision. Wells Fargo did not send any notices informing me the account would be closed due to inactivity. I believe Wells Fargo has violated the terms of their credit card agreement with me.

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 2019-11-09 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: FL

Complaint narrative:
THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, I'VE HAD FRAUD COMMITTED UNDER MY NAME IN THE PAST AND I AM NOT LIABLE THOSE ACCOUNTS BEING DISPUTED. PLEASE REINVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT AS SOON AS POSSIBLE. IT HAS BEEN REALLY HARD TRYING TO ACQUIRE NEW CREDIT WITH DEROGATORIES ON MY ACCOUNT. KEEP IN MIND THAT THOSE ACCOUNT I DID NOT AUTHORIZED UNDER MY NAME AND IT IS A CRIME FOR SOMEONE TO HAVE ACCESS TO MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE.

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 2019-11-09 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: FL

Complaint narrative:
THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, I'VE HAD FRAUD COMMITTED UNDER MY NAME IN THE PAST AND I AM NOT LIABLE THOSE ACCOUNTS BEING DISPUTED. PLEASE REINVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT AS SOON AS POSSIBLE. IT HAS BEEN REALLY HARD TRYING TO ACQUIRE NEW CREDIT WITH DEROGATORIES ON MY ACCOUNT. KEEP IN MIND THAT THOSE ACCOUNT I DID NOT AUTHORIZED UNDER MY NAME AND IT IS A CRIME FOR SOMEONE TO HAVE ACCESS TO MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE.

Company response to consumer: Closed with explanation