vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PLS GROUP, INC
State: TX

Complaint narrative:
XXXX XXXX ( XXXX ) called me on XX/XX/XXXX to advertise for XXXX XXXX XXXX football. Later that day, I submitted a check for {$250.00} to the " XXXX XXXX '' person who came to the door. A short period later, I researched XXXX XXXXXXXX & discovered they have a grade of " F '' from the XXXX  website. On XX/XX/XXXX, I texted the above phone number to cancel the order. On XX/XX/XXXX, I emailed XXXX : " I canceled the order. Thanks for your understanding ''. This counts as my official cancellation that is on the 3rd day from the order. On XX/XX/XXXX, I texted to the phone number above about the situation, & that person was very argumentative, disrespectful, & the person called me " terrible ''. On XX/XX/XXXX, I left a voicemail with the person from the above email indicating not to print anything and that the order is canceled. On XX/XX/XXXX, XXXX calls me indicating that my check was returned ( I already did the stop payment ), & now they told me they are sending me to " collections '' & are insisting I pay " {$280.00} ''. I canceled the order ; they need to cancel the check & stop 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 non-monetary relief
Consumer complaint received 2018-06-04 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: TX

Complaint narrative:
I have called numerous times with efforts of removing hard inquiries made by someone else than myself. Auto and personal loans appear and I haven't done either of the two. 

I've been told " NO '' and told they remain for 2 years BUT I can prove and have confirmations that it IS possible to remove as they're FRAUD. I do not need nor want these on my credit report as I did NOT authorize and it is indeed against the law for them to be on there as hard inquiries, they're affecting my credit and I wish to have them removed ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XXXX has missed report my payment history. They are reporting me as 30 days late on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I disputed, they realized I was correct and removed. Then they re-reported it. This has happened 3 times. I don't no if this a computer error or clerk error on their end. Its starting to effect my ability to borrower money. I have paid the account off and have a history of all my payments to show I have never been 30 days late. Please Help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
See previous complaint # XXXX which was " closed with explanation ''. I have a letter that this inquiry from XXXX was fraudulent and should be removed. This inquiry is harming my credit report by affecting my ability to obtain credit. It should be removed immediately. 

I am disputing the Inquiry on my Equifax credit report from XXXX on XX/XX/2017. On that day, I called XXXX to obtain pricing. The representative I spoke with kept pressuring me to sign up that day. I explained numerous times that I would not be signing up that day. He continued to pressure me, stating that if they ran my credit that day, I could be immediately signed up. I told him several times that I did not consent to this inquiry and finally hung up on him. He tried calling me back at least 3 times but I didn't answer. Within 5 minutes of hanging up, I received an alert that XXXX has posted an inquiry on my Equifax report. I immediately contacted XXXX to alert them and I received the attached letter from XXXX stating they agreed that the inquiry wasnt allowed and would remove it from my report. Since XX/XX/XXXX, I have tried various ways of disputing this item through XXXX and Equifax. I've actually filed 3 disputes with Equifax ( by mail and online ) ; however, each dispute has been completed without Equifax contacting XXXX. I've tried contacting both companies on XXXX but haven't had any luck. Anything you can do to assist would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, After i had fallen behind on my load payments due to a hardship suffered in my family. I tried make arrangements with XXXX XXXX concerning my account but they were unable to help me.on XX/XX/XXXX, I sent XXXX XXXX a letter that the information that they listed on my account was disputed. Nothing was received back from them. 
I enlisted XXXX XXXX XXXX to help me settle my account. They were able to negotiate a settlement for my account and after 12 successful payments to XXXX XXXX thru XXXX XXXX XXXX the account was settled/resolved and paid off on XX/XX/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 2018-06-04 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: CO

Complaint narrative:
On XX/XX/XXXX, After i had fallen behind on my load payments due to a hardship suffered in my family. I tried make arrangements with XXXX XXXX concerning my account but they were unable to help me.on XX/XX/XXXX, I sent XXXX XXXX a letter that the information that they listed on my account was disputed. Nothing was received back from them. 
I enlisted XXXX XXXX XXXX to help me settle my account. They were able to negotiate a settlement for my account and after 12 successful payments to XXXX XXXX thru XXXX XXXX XXXX the account was settled/resolved and paid off on XX/XX/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 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NC

Complaint narrative:
During XXXX  week XX/XX/XXXX, we traveled from XXXX to XXXX   with our XXXX  device.

We received 4 toll violation notices from the XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX ( XXXX, XXXX, XXXX and XXXX ). We completed the violation dispute form for each violation and mailed them back to XXXX XXXX XXXX on XX/XX/XXXX. We received a letter from XXXX XXXX XXXX XXXX XXXX   dated XX/XX/XXXX for violation XXXX in which they rejected our dispute based on 1 or more of 3 reasons ( the exact reason was not indicated ). We then responded with a letter that addressed each of the 3 reasons with proof that we had not violated any of the reasons given. We then received a letter from Retrieval-Masters Creditors dated XX/XX/XXXX that violation XXXX  had been sent to them for collection. We sent them a cease and desist letter as well as a letter to the XXXX XXXX XXXX XXXX XXXX  explaining once again that we should not be charged for toll violations. We also decided to send a letter on the same day to the the XXXX Attorney General for assistance on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: FL

Complaint narrative:
I notified Transunion on XX/XX/2018 that they misreported inquiries. Which they refused to remove. I also informed them my date of birth was incorrect & provided ID

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX has been harrassing my husband, brother in law, and my mother. They claim they need to get in touch with me, yet don't have my number, but say they have personal information on me. I have never been contacted by mail from them. My family has asked them numerous times to leave them alone. They call using different numbers and area codes. XXXX XXXX claims that Capital One is taking me to court over unpaid debt that was discharged in a bankruptcy in 2003. I have never been contacted by Capital One themselves. I also have a current Capital One card that I use and payoff every month. I have never received a notice stating any amount unpaid. XXXX XXXX is rude, hangs up on myself and family members. They refuse to disclose their address to me. I have spoken with XXXX XXXX, XXXX, XXXX, and XXXX. The last three names refuse to give me their last name when I talk to them. I am tired of them harrassing my family and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
InXX/XX/XXXX it came to my attention that my credit card history with XXXX XXXX ( a credit card I've had since XX/XX/XXXX ), is not showing on my Experian Credit Report ( though it IS showing on XXXX  and XXXX  ).

I called Experian and they informed me that they collect all reported information from XXXX XXXX   and that the problem must be with XXXX XXXX. To look into the issue they filed a research inquiry.

On XX/XX/XXXX, I contacted XXXX XXXX  to confirm that they are indeed reporting this card to XXXX, and they assured me that they are. They also told me that they would file a request to Experian to make sure that this card is showing up.

More recently, in XX/XX/XXXX, I have followed up with both organizations and the situation appears to have not progressed. Seeing that the card in question is still not on my Experian report, I followed up with XXXX XXXX. They once again assured me that they are reporting it, that it must be a problem with Experian, and they once again promised to file a request. I then followed up with Experian, and they too assured me that everything that XXXX XXXX reports they include, and so the problem must be with XXXX XXXX. They too attempted to assuage me by initiating a research request.

That 6 months have passed and that this process is not likely to not get me any further is now fully evident and extremely frustrating. To have almost 6 years of credit history not show up on my Experian credit report ( the only bureau that matters apparently ), is extremely damaging to my attempts to gain other credit.

Please help me resolve this mess between these two giants that seem to be content merely filing requests and reports without actually resolving my issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: IN

Complaint narrative:
I have transferred money from my XXXX account to my Discover checking account on three different occasions. None of the transfers have shown up in my Discover checking account. The dates and amounts are as follows : XX/XX/XXXX {$240.00}, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. I have talked to XXXX and they tell me the transfers are successful on their end. XXXX has provided tracer numbers on two of the transactions which I will attach in the complaint. Discover says they have not received the deposits from XXXX and are having trouble verifying the tracer numbers provided by XXXX. XXXX has verified my Discover checking account number and routing number. I don't know what else to do. XXXX says the transfers are successful and they show them deposited to my Discover checking account. Discover says they do not see the deposits. Please help me locate my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX has missed report my payment history. They are reporting me as 30 days late on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I disputed, they realized I was correct and removed. Then they re-reported it. This has happened 3 times. I don't no if this a computer error or clerk error on their end. Its starting to effect my ability to borrower money. I have paid the account off and have a history of all my payments to show I have never been 30 days late. Please Help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX & XX/XX/XXXX. Went to XXXX for Trans Union report. Filled in form, clicked to get report and got a TransUnion page that said : ( light blue logo ) '' TransUnion '' " Welcome, XXXX XXXX '' ( my name ) ( bold black letters ) '' System Error '' ( in red ) " We are experiencing technical difficulties. '' What to do : try again later call XXXX or request by mail After several attempts, retyping my personal information each time, I got the same System Error. So I called and asked when the system would be fixed. Nobody could answer and nobody even cared about the problem, they only asked for my personal information. I got transferred to different personnel who also didn't know or care about the system error. Some offered to send a paper copy of the credit report, but I want a digital copy. Finally I was told to talk to the 'credit monitoring ' dept, who would know about the web site. They didn't and offered to send me back to the main phone number. When I asked for a supervisor, they hung up the phone. So far I've spent much of two days to get a report that should take 5 minutes.

It seems that nobody can get a credit report from TransUnion due to a System Error, and the company is not at all concerned about it. 

Every year some of these reporting agencies make it very difficult to get my free credit report. They claim that they were unsure of my identity sometimes, although they've been tracking me for many decades. Always some excuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: IL

Complaint narrative:
I went to XXXX XXXX  XXXX showroom on XX/XX/XXXX to purchase a car! I had a pre-approved load from XXXX. The Finance manager in the showroom told me that he can offer me the same interest rate from XXXX and insisted me to take the loan from them as the documentation process will be done right away! He asked me to provide my details and gave the details to him and told him that I approve only 1 hard enquiry on my credit report and will not accept multiple hard enquiries as I already have a pre-approved loan. 

I have been deceived and I see 6 hard enquiries on my report which I have not approved. 

XXXX - Unauthorized hard enquiries XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX Equifax - Unauthorized hard enquiries XXXX XXXX - XX/XX/XXXX Please do the needful!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I do not own this account and was never notified by anyone until it showed up on my credit score. Terrible repeated phone calls to where i was forced to block their number. They need to take this off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One Venture : First I XXXX XXXX XXXX A XXXX XXXX XXXX and a XXXX XXXX XXXX. I have/had a capital one card always paid in full and only ever used for travel, household, family purchases. I am a mom of XXXX children XXXX of which are foster kids, so I spend family always. Two weeks ago I went to pay for our family cruise and was informed that my capital one card had been cancelled by capital one. Appalled, I called them and they said that I was not using my card for family and or household purchases. Literally I was embarrassed and shocked. This is all that I used this card for and I have proof of all the purchases. They told me I would receive a letter and I did, it basically said the same thing. I lost my points that I earned and its embarrassing because I havent done anything wrong. Then today my Kohls card was cancelled and they are stating it is because of the capital one issue. I have tried to reach out without any avail. I am not sure what to do!!! I now have 2 cancelled cards on my credit report and the main thing is the embarrassment like I have done something wrong! I want my cards back on and my points. I want this fixed. Should I get an attorney to step in and handle it? I did have my business attorney look at my info and he sees nothing I have done wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX vacation at XXXX XXXX XXXX @ XXXX XXXX XXXX, XXXX, XXXX XXXX and used my XXXX XXXX XXXX which is supposed to provide a 3 % reward when used for travel. When I received my statement I noticed that I was only given a 1 % reward so I called XXXX XXXX ( XXXX XXXX ) customer service ( XXXX ) and spoke with XXXX on XX/XX/XXXX and she said she would check into it and correct it. I then received 2 letters dated XX/XX/XXXX from Synchrony saying the cashed earned balance is correct as previously indicated with no explanation of why I was not given the full 3 % reward. On XX/XX/XXXX, I spoke with XXXX who said that the sale was coded as insurance at XXXX and that I would have to get them to change the coding. I spoke with my travel agent XXXX at XXXX, who passed the info along to the XXXX billing department who stated that the purchase was not coded as insurance but was coded as a retail purchase, which is what XXXX uses for all travel purchases, and they said they have not had any problems with any other customers not receiving the proper rewards from their credit card companies. XXXX also recommended that I send a copy of my invoice to Synchrony. I called XXXX/Synchrony customer service again and spoke with a Supervisor ( XXXX ) on XX/XX/XXXX to pass along the info that XXXX did not code the purchase as insurance, I also asked him if he was aware that XXXX was a travel agent and he said he does know that is one of their business lines. He also stated that he could not correct the issue but that I could send the invoice to the General Inquiry Dept. at XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX. I sent a letter of explanation and a copy of my invoice in the amount of {$12000.00} by certified mail and it was received by XXXX XXXX at that office. I then received an email from that address, dated XX/XX/XXXX asking for more info by mail or to call customer service at XXXX. I called customer service on XX/XX/XXXX and spoke with agent XXXX and Supervisor XXXX, who both stated that there would be no change. I also ask what further information they were looking for and they had no answer other that to say that the purchase would only receive the reward at the 1 % level. I believe that I should have received a reward of {$360.00} and was only given reward of {$120.00} meaning that they are they are holding back {$240.00} which the invoice that I sent to them clearly indicates that the purchase made was for travel.

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