vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint on behalf of my XXXX XXXX XXXX mother, of whom I am POA and Trustee of her accounts. Currently she has a Capital One XXXX which pays for XXXX specific and regular monthly expenses - Medications and a storage unit for $ XXXX. 
CaptialOne bank double-charged my mother 's XXXX Bank checking account through auto-payment on XXXX XXXX, XXXX. Rather than XXXX monthly charge of {$80.00} for a storage unit, her account was charged ( also by auto-payment ) an additional {$80.00} fee, creating an overage of {$80.00} to her account. 
As her POA and Trustee, I attempted to speak with CapitalOne personnel by phone more than once. I filed a paper form with CaptialOne detailing the dates and discrepancy and sent it by FAX XXXX XXXX, XXXX at their request. All responses from Capital One have led to no resolution. 
There is still an outstanding {$80.00} over-charge by CapitalOne, as evidenced by the attached downloaded CapitalOne transactions via the CapitalOne website, downloaded XXXX/XXXX/XXXX. However, I checked her account balance online today - XXXX CapitalOne shows the current balance of zero. The downloaded transactions show a clear {$80.00} credit owed to my Mother 's trust account. The company has not provided a charge to resolve the double credit regardless of multiple attempts at communication. The balance reported by CapitalOne does not agree with the downloaded transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have an American Express Blue Preferred credit card. When it recently renewed, I was charged the {$95.00} annual fee. I am never late with payments and never incur any finance charges ; however, I incurred a modest interest fee last month because the annual fee is treated as a cash advance and begins accruing interest when it is posted to the account. There is no possible way to avoid the assessment. 

I lodged an inquiry with American Express and they have since credited the interest back to me ; however, this policy strikes me as unfair, though probably very profitable for American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
I was contacted by the original debtor XXXX XXXX, after being out of my apartment at XXXX XXXX XXXX, XXXX, IL for a one year about a debt in the amount of {$100.00}. I asked XXXX to forward me some detail on the balance, but constantly received a bill with no explanation or supporting backup. 

In XXXX XXXX, I was contacted by XXXX XXXX XXXX, by mail stating they are trying to collect this same debt. I wrote back within the 30 day deadline that I am disputing the amount of this debt because " I DO NOT OWE THIS AMOUNT, please return this debt to the original Creditor, XXXX. 

In XXXX XXXX, I got a notice from my credit monitoring service that my credit report has changed. I took a look and noticed that XXXX XXXX XXXX had been added to my report, after I had notified them as well as told on several occasions that I DO NOT OWE THIS DEBT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This Two Credit Report Agency XXXX and Equifax, has reported XXXX, XXXX Reported on CC  
Sent email and file a complaint towards the company also request the removal of the false information.

"I have paid XXXX bill on time i have copy of receipt, I proof of bill paid cash on XX/XX/2017."$XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXXXXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: Early Warning Services, LLC
State: NC

Complaint narrative:
Early Warning systems is reporting information that does not belong to me. I have asked several times for a copy of my report and they keep telling me they will email me the report but to this date I have never received anything! It 's been over two months now. They are stating I have a account with XXXX XXXX XXXX, I do not, THE NAME THEY ARE REPORTING FOR XXXX XXXX XXXX IS DIFFERENT FROM MY LAST NAME. MY LAST NAME IS XXXX NOT XXXX! ALSO THEY ARE REPORTING THE SAME THING FOR A BANK CALLED XXXX XXXX XXXX, AGAIN I HAVE NEVER HEARD OF THIS COMPANY, AND MY LAST NAME IS XXXX. WHEN I CONTACTED THE BANKS DIRECTLY I WAS TOLD THEY CAN NOT FIND ME ANYWHERE IN THEIR SYSTEMS! BECAUSE EARLY WARNING SYSTEMS HAS REFUSED TO PROVIDE ME WITH A COPY OF MY REPORT THEY HAVE PREVENTED ME FROM DISPUTING THE INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: EQUIFAX, INC.
State: MS

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: MS

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: TX

Complaint narrative:
On XXXX XXXX as of XX/XX/17 there is an address linked to my credit which I have never resided at. XXXX XXXX XXXX XXXX XXXX texas XXXX. I would like it removed from my records.

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 2017-12-16 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: IL

Complaint narrative:
I 've been a victim of identity theft. XXXX XXXX XXXX i checked my XXXX XXXX account and noticed there were hard inquiries that i did not authorize on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I 've contacted Equifax and XXXX as well as XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX in regards to these ( 6 ) inquiries being disputed for removal multiple times. I also filed a police report and placed a fraud alert on my accounts. I was advised these inquiries would be removed after contacting the aforementioned companies. It has been 30 days since the date of the inital dispute and neither credit reporting agency has resolved this matter and are in fact now stating that these inquiries will not be removed in order to maintain records. In addition to this negatively impacting my credit score it has caused closure of 3 of my existing credit cards at which i was a loyal and responsible customer which were otherwise in good standing because of the issue being unresolved ( multiple inquires that were fraudulent are ruining my credibility. ) They have had many security breeches and the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This Two Credit Report Agency Experian and XXXX, has reported XXXX, XXXX Reported on CC  
Sent email and file a complaint towards the company also request the removal of the false information.

"I have paid XXXX bill on time i have copy of receipt, I proof of bill paid cash on XX/XX/2017."$XXXX payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
We paid Capital One {$14000.00} and {$500.00} on XXXX XXXX, XXXX. The payments were posted and removed from our XXXX XXXX account on the XXXX, the next day. We also received an email from Capital One stating that the payment was posted. However, Capital One will not authorize us to use the credit available from these payments for an additional week. 

I called Capital One today, XXXX XXXX, and they told me that state law permitted them to not release the available credit for up to a week to ensure funds received ; however, they acknowledged that they already received the funds. This does n't seem right, and I ca n't find anything in my credit agreement that would permit them to do this. 

To be clear, they took the payment money from my account already and acknowledged that they received it. So why not release my available credit as promised on my cardholder agreement?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is stil not reporting everything on my credit ... there are numerous credit card account in good standing missing yet they are making sure they report collection accounts!! I have contacted them before about this and Im tired of playing these games with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
XXXX XXXX XXXX made unauthorized debits from bank account from XXXX XXXX to XXXX XXXX for a total amount of {$31000.00}. The bank was notified and requested immediate investigation and action, to stop this company to withdraw/debit money from account, and immediately close account and associated debit card. XXXX XXXX XXXX company was notified of the unauthorized multiple debits from bank account and to stop withdrawing money from this account ; and to refund immediately the total amount of {$31000.00} for unauthorized debits to bank account performed by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: MN

Complaint narrative:
I was looking into an FHA for the first time and came across this collection which is an illegal one. The original debt was through XXXX that was over 5yrs old. Jefferson Capital is reporting an unverified debt that I allegedly owe to them. I have no contractual agreement with Jefferson CapitaXXXX at all. They are in violation of the Fair Debt Collection Act. I won my cases under the FCRA with Transunion which closed the account, but Equifax Experian has not and severely damaging my credit. I have now made XXXX disputes through Equifax. They must validate, verify, prove all debt with 100 % accuracy and they have not. They are violating the Fair Credit Reporting Act. Jefferson Capital must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. 2 weeks ago I called them asking to see this " collection '' which they can not sue for because of how old this is and all they sent was a bill with no original debt I owe, no details, no signatures, NOTHING. They have in XXXX I owe {$1000.00}, but when I talked to an employee there he said they can lower it to {$530.00} and are sending paper work ... so right there, they are reporting wrong. I was never given notice of this collection. I never signed anything with them and I also was not given the 30 day period to respond before the collection was added, which is a right guaranteed to me by law. This needs to be removed IMMEDIATELY or as others said, I have no choice, but to sue them and bring them to court. I am trying to buy a house and they 're making it hard. This dept is so old they ca n't even sue me or even had my proper address until 2 weeks ago which I 've been at for over 10 years. Jefferson is in full violation of the law and this needs to be taken today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: NC

Complaint narrative:
I sent a dispute letter to equifax in regards to inquiries that are appearing on my report that I did not authorize. I received a letter in the mail that told me I needed to reach out to the companies directly. This bureau is illegally reporting inquiries that are not factual or authorized. With all of the breeches that have taken place within this bureau I dont think it is fair to tell everyone that they should reach out to companies. I want those inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: TX

Complaint narrative:
On XXXX XXXX as of XX/XX/17 there is an address linked to my credit which I have never resided at. XXXX XXXX XXXX XXXX XXXX texas XXXX. I would like it removed from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16 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: TX

Complaint narrative:
On XXXX XXXX as of XX/XX/17 there is an address linked to my credit which I have never resided at. XXXX XXXX XXXX XXXX XXXX texas XXXX. I would like it removed from my records.

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