vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One XXXX credit card. 
I have not used my credit card in well over XXXX  months. 
It does not even work. I reported this issue to them. Furthermore, there were fraudulently charges made in or around XXXX of this year for about {$30.00}. I had no idea there was any activity on the account. The credit card company issued about {$120.00} in charges related to this single charge not being paid. When I became aware of this around XX/XX/XXXX, I brought the fraud to the company 's attention. I also, to protect my credit, paid by check by phone over {$140.00} XXXX XXXX XXXX to pay off the balance while they investigated. This was to prevent the right hand not speaking to the left and a charge off occurring. This is because I have a XXXX XXXX XXXX to protect. I am in the middle of a refinance. I also have business credit cards that rely on my personal credit history. All got harmed because of Capital One being incompetent and unhelpful. 
Yesterday, I was on the phone with them for over XXXX hours reviewing XX/XX/XXXX - the money I paid -- where did it go? On XX/XX/XXXX, from XXXX XXXX, I paid online another {$47.00}. Where did this payment go? Why is the current balance on Capital One showing {$140.00}. They have violated my rights under the Fair Credit Act. The account should be XXXX balance or even negative. They need to restore the credit card to good standing. I do not want to close the account. And they need to update the credit bureaus to reflect that this was their error and they improperly reported. I have identification numbers on the employees I spoke with. XXXX '' XXXX '' XX/XX/XXXX -- he could not locate where my XXXX payments went. He transferred me to escalations. I spoke with XXXX. I spoke with XXXX. {$100.00} are bank fees. {$13.00} are interest charges. They need to remove these. My account ends with XXXX The credit card has an expiration of XX/XX/XXXX. I have been a client of their since XXXX. I have called them over 6 times since XXXX and they are not helpful. They keep saying this is en effort to collect a debt .... And then they ask me to start over again. I ask them what do the notes say? Why am I having to repeat myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-03 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:
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 XXXX   XXXX Inquiry from XX/XX/2018 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2019-10-03 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I obtained a care credit card to be used exclusivelybfor medical costs through synchrony bank. My credit score was low so I obtained a co signer as my father agreed so I could have some XXXX  work that was required. The total charges came to over {$9000.00} in 2 separate charges. I opened account in XX/XX/XXXX and proceeded to make extra payments and paid the entire balance off by XX/XX/XXXX. I was not required to make additional payments and had a 3 year window in which to pay the required monthly payment. I was never late with a payment. Then I received a letter dated XX/XX/XXXX that my account was closed due to them checking my credit score and determined it was too low and I was too great of a risk. Even though I still had my father 's name on the account ( his credit score was XXXX last time he told me and I'm sure it's still in that area ), and I had paid off the account 2 years before the original agreement and was never late with any payments. Also I'm positive that my credit score has risen over the past year due to the new card and good status. So they had to originally approve me with a lower score than they say is why they closed account. This them caused my credit score to drop as this was the only card I currently had active. I just wanted to keep account open in case of medical emergency but they told me the computer system automatically makes the decision and nothing could be done. Thank you for your assistance and time.

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 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
I sent in all documents to Select Portfolio Servicing each time you send in documents they act like they don't recall what you send and have you go over and over the same thing over and over again. They reverify more than XXXX times in order to process a modification the rep don't remember what the other rep said and the loan department ask you to resend the same document over and over. I am getting nowhere with this company. Yet they are sending me paperwork that keep adjusting my payments higher and higher during the time I am submitting paperwork to be modified. I hang up the phone and was told just to send schedule XXXX page of 2018 and that will be it and the next day I call and we start back over all over again like we never talked  the reps have no information on what is being processed from what is finished what is a light bill to what is a gas bill I am getting no where with this modification after spending weeks trying to resolve it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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:
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Inquiry from XX/XX/2018 XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 XXXX   XXXX Inquiry from XX/XX/2018 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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:
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Inquiry from XX/XX/2018 XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 XXXX   XXXX Inquiry from XX/XX/2018 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.

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 2019-10-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT. 
THEY ARE REPORTING MY NAME WRONG AND INVESTIGATING ACCOUNTS UNDER A FRAUDULENT NAME. 
MY NAME IS XXXX XXXX. 
my name is NOT XXXX XXXX or XXXX XXXX XXXX. 
THESE NAMES ARE WRONG, SO HOW CAN YOU INVESTIGATE ITEMS ON MY REPORT IF THESE NAMES ARE WRONG. 
my name is XXXX XXXX. 
please correct my name and do a proper investigation on disputed items.

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 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion on XX/XX/19 complaint # XXXX XXXX was filed for promotional and any other kind of offers as credit or/loans after I was OPT out back and updated back in XX/XX/XXXX. Transunion acts as I just started OPT OUT in past 2 years I update OPT OUT every 6 months. Transunion with holds who there selling the information to for profit. I OPT OUT Transunion has some very deceptive practices. I have also filed a complaint with the US Attorney office regarding the complaint On XX/XX/19 Transunion responded that I OPT out just recently in which is a lie. Stop selling and me getting credit offers threw companies I did not request or want.

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 2019-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I've been trying to get in touch with ANYONE from Cash App ( Square ) regarding them closing my account without any noticed with {$2100.00} in it and have been giving me the run around for WEEKS. This whole thing started XX/XX/19 It is now after the XXXX and my rent money is stuck in this cash app account! I have attempted to contact them over 20 times all together via the app support, email, and twitter support page over the last few weeks & have been given a generic response or someone from XXXX saying they will handle is as soon as possible and then never responding again. I gave all the information they requested and now they are completely ghosting me. I reached out to their support on XXXX, explained everything and the response was " We're sorry that you're experiencing confusing regarding the decision to deactivate your account. Once your Cash App account has been deactivated, we aren't able to reinstate it. Any future attempts to create an account may result in deactivation as well. We know this can be quite frustrating! Unfortunately we can't share account specific information on XXXX. To gain some clarification, please review our TOS : squareup.comXXXX  '' I responded back letting them know I was not attempting to open the account back up but I AT LEAST need to get my {$2100.00} out of my account! Radio silence ever since! I don't know what to do anymore. I am not going to be able to pay my rent this month without my money and I have no other way or getting in touch with anyone! SOMEONE PLEASE HELP ME I'M BEGGING YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Fay Servicing is charging me forced place homeowners insurance even though I have provided proof of insurance. They refuse to credit my account and now I have to pay over {$4000.00}. I am not able to make these payments. Can you please help me? The mortgage company did not have my correct mailing address on file and this was confirmed by the customer service rep I have been in contact with. I never received any letters requesting proof of insurance since they were mailing to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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:
I reported an account that does not belong to me to equifax which only equifax shows. And prove to them how its not mine and who it actually belongs to. They would not remove it from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 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: FL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see pages XXXX and XXXX of the attached credit report. ) I never received any service from XXXX and I was told by the representative that there would not no charge however, shortly thereafter I received a huge bill in the mail. I immediately called and told the representative that this bill was submitted in error and I again asked why I was I being charged to pay for a service I never received. Because they apparently still had me in their billing system I requested they cancel the account. After cancelling the account I received a letter from XXXX stating if I didnt make payment arrangement to them they would be sending this account to collections. I called and told them this account should NOT go to collections because I never had service and therefore never had an account. They would not honor their previous commitment to not send this account to collections so I had no choice but to make payments to XXXX to avoid any collection. I set up payments of {$25.00} per month to be automatically withdrawn from my account until this was paid-in-full. I was making the scheduled payments and XXXX XXXX XXXX days later I received the collection paperwork in the mail. I called the collection company and told them about the payment arrangements I had made with XXXX. They told me to turn around and call XXXX, which I did. XXXX told me that the account wasnt resolved and paid-in-full within the ( XXXX XXXX day time frame, so consequently they sent the account to collections. I informed XXXX that I was never told about the ( XXXX XXXX XXXX XXXX frame and that we had made arrangements to pay this account off at {$25.00} per month until paid in full and that the account would NOT go to collections. XXXX did not honor their agreement and sent the account to collections regardless. XXXX never provided me any service however, they still were able to force me into paying them money they were never intitled to by threatening to send me to collections if I didnt pay them. I agreed on the terms of the monthly payments and they lied and sent me to collections anyway. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( XXXX ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I checked my most recent credit report on XX/XX/19. I noticed a collection from ARS resolution for XXXX and XXXX $ that does not belong to me. This account is from Ohio i moved from ohio 8  years ago and i have free health insurance from the government i have provided proof below. This company never once sent me a letter letting me know my right under the fair credit reporting act to dispute, that is a violation of the debt collection act. I will not pay this account if i am not provided an original contract bearing my signature not a bill those are easily made. They have been reporting this false information on my credit report. I called the original creditor that is listed on my credit report they dont even have an original contract so how can this company collect on this debt with no contract. They are just trying to get money from 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 explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
In XXXX of XXXX, I opened an Advantage Banking checking account at Bank of America. I applied for the account as part of a promotion, where BofA was advertising a {$300.00} promotional bonus for accounts opened by XX/XX/XXXX, if {$4000.00} was deposited via direct deposits within XXXX days of account opening. After opening the account, I called BofA to make sure that the promotional offer was attached to my account, so that I would receive the bonus after completing the requirements. I was informed that the promotional offer was not showing up on my account, but that once I completed the requirements I should call BofA and provide the code XXXX and the {$300.00} promotional bonus would be manually credited to my account. 

I have completed the advertised requirements, insofar as I opened the account in XX/XX/XXXX XXXX prior to the XX/XX/XXXX deadline ) and I received $ XXXX in direct deposits from my employer ( {$3400.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX ). 

I called BofA on XX/XX/XXXX, with the code XXXX, as I had been instructed to do. I spoke with an agent who told me that I was not eligible for the promotional offer because it expired on XX/XX/XXXX. However, the terms of the offer state only that the account must be *opened* by XX/XX/XXXX -- *not* that XX/XX/XXXX is the last date on which promotional bonuses will be handed out. I have completed the advertised requirements and would like the advertised {$300.00} promotional bonus. 

For reference, the relevant terms of the offer are as follows : " Open a new eligible Bank of America personal checking account by XX/XX/XXXX ( you must use the Open now link on the offer page at the time of account opening to be enrolled in this offer ) ; AND ( 2 ) set up and receive Qualifying Direct Deposits equaling a total of {$4000.00} or more in your new personal checking account within XXXX ( XXXX ) days of account opening. '' I have completed both of the requirements listed here. I was previously told that I would be manually credited the bonus after completing the requirements. I ask that I be credited the {$300.00} bonus as promised.

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 2019-10-03 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE BEEN UNABLE TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. THERE IS SO MUCH THAT I AM TRYING TO ACCOMPLISH AND I CAN NOT DO SO BECAUSE OF SOMEONE ELSE 'S SELFISH ACT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE DEROGATORY ACCOUNTS DOES NOT BELONG TO 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 explanation