vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One says I missed 4 payments in a row I'm telling them my credit report I only missed two payments. XXXX I sent a payment it shows on my other capital one card. 
If you look at the Chart I uploaded of my credit profile. XX/XX/XXXX is 30 days late, XX/XX/XXXX is 60 days late. XXXX is 60 days which would have been 90 days late, and XXXX is 90 days late which should have been 120 days late. My monthly balance is showing inaccurate balances, The date open is wrong, my high credit is reporting wrong, Credit limit XXXX  has XXXX limit??, Last reported all dates are displaying different. Date last active is off by a year. And last but not least Date of last payment have 3 different dates. This account is not reporting accurate at all please remove from my credit profile or fix the inaccurate information ( All so I would like a complete print out of my payment history I am requesting it once again and they will not send it all they do is update dispute is resolved. 
This account XXXX is totally reporting inaccurate on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
This is a complaint that was closed because the credit card company responded to you, but they didnt respond to me. Complaint number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I Recently had a collection account show up on my credit report from Monterey collection agency. The debt shows as opened on XXXX XX/XX/2020 orginating from a company called XXXX that looks to be some type of resort. I can assure you I was nowhere near a resort at all in about three years and certainly not in 2020 at all. With COVID taking over everyone 's lives it would be difficult to even go to a resort. I have never had a collection agency contact me and I am not even sure what they are claiming I owe for. I have taken the steps to dispute the claim through the credit bureau it was reported to. My credit is impeccable with not even one missed payment on my report. I feel this collection agency is in violation of the FCR ACT and I want this innacurate and damaging information removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: CT

Complaint narrative:
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems of the Fox Valley, Inc.
State: WI

Complaint narrative:
To Whom It May Concern : On XX/XX/2021 I received a letter from Credit Systems of the Fox Valley, sent in response to my Debt Validation Request Letter. I received my confidential medical records, which is a clear violation of HIPAA, as I have never given authorization for any release of confidential medical information to Credit Systems of the Fox Valley.

I will be sending them a notice, via certified mail, to remove the debts associated with this HIPAA violation, but it is also my duty, as a responsible citizen, to report such a violation to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: MO

Complaint narrative:
The following accounts are not mines nor have I agreed or entered into a contract with any of these frivious companies with these false allegations affecting my credit files. Please send me physical documentation that Supports their claims if not I'm demanding the immediate removal of the following unknown and unauthorized accounts. 

1. XXXX XXXXXXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX. XXXX 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 2021-02-26 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: MO

Complaint narrative:
The following accounts are not mines nor have I agreed or entered into a contract with any of these frivious companies with these false allegations affecting my credit files. Please send me physical documentation that Supports their claims if not I'm demanding the immediate removal of the following unknown and unauthorized accounts. 

1. XXXX XXXXXXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: MO

Complaint narrative:
The following accounts are not mines nor have I agreed or entered into a contract with any of these frivious companies with these false allegations affecting my credit files. Please send me physical documentation that Supports their claims if not I'm demanding the immediate removal of the following unknown and unauthorized accounts. 

1. XXXX XXXXXXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX 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 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This is regarding XXXX with-holding a transaction fee when it suppose to be reversing or refunding a transaction that was beyond my control. The sender happens to send me money as a business, when I am not nor did I register as a business. 
On XX/XX/21, a person sent me money for {$510.00}, which XXXX charges a 3 % fee of {$15.00} because they sent it as a business and not to a friend. XXXX did NOT offer me any option to reject the transaction and therefore allow the payment to be received, and I got {$500.00}. 
I then issue a refund, in thinking that the transaction would be reversed, and {$500.00} would be taken out, but instead when the refund completed, XXXX took out {$510.00} from my account and withheld the fee of 3 % - {$15.00} There needs to be consumer protection since XXXX did not give me any option to reject a transaction if they already intend to hold the 3 % fee and not fully reversing the transaction. No notice was given. More regulation is needed since I made many attempts to get an answer and to help me dispute this, but I'm unsuccessful due to their excuse that it's Covid. 
This is just blatant robbery since I had no control of sending/receiving the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sapphire Marketing Group, Inc.
State: CA

Complaint narrative:
I Recently had a collection account show up on my credit report from XXXX XXXX XXXX. The debt shows as opened on XXXX XX/XX/2020 orginating from a company called Sapphire that looks to be some type of resort. I can assure you I was nowhere near a resort at all in about three years and certainly not in 2020 at all. With COVID taking over everyone 's lives it would be difficult to even go to a resort. I have never had a collection agency contact me and I am not even sure what they are claiming I owe for. I have taken the steps to dispute the claim through the credit bureau it was reported to. My credit is impeccable with not even one missed payment on my report. I feel this collection agency is in violation of the FCR ACT and I want this innacurate and damaging information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I HAVE BEEN A BANK OF AMERICA CUSTOMER FOR OVER 30 YEARS. NOW I AM OVER XXXX, ABOUT 10 DAYS AGO I FELL DOWN AND SUFFERED A XXXX XXXX ON MY XXXX XXXX. SO NOW I ONLY CAN USE MY RIGHT HAND TO TYPE IN UPPER CASE. SORRY FOR THE INCONVENIENCE. 

ON XX/XX/XXXX, BANK OF AMERICA NOTIFIED ME THAT " XXXX XXXX XXXX XXXX  '' CHARGED ME {$100.00}. 

ON XX/XX/XXXX I FOUND OUT AND DISPUTED THE {$100.00} CHARGE. BANK OF AMERICA REFUNDED ME {$100.00} ON XX/XX/XXXX. I STOPPED USING THE CARD IMMEDIATELY. IN MIDDLE OF XXXX I STARTED TO USE BANK OF AMERICA CARD AFTER THE BANK SENT ME A NEW REPLACEMENT CARD. 

ON XXXX XXXX, XXXX BANK OF AMERICA CHARGED ME {$100.00}, REASON : FRAUD DISPUTE. 
I WENT TO THE BANK AND TALKED WITH THE VISA DEPARTMENT ASKING FOR THE MISSING EVIDENCE FOR THE EVIDENCE OF PURCHASING AND WAITED FOR FURTHER RESPONSE FROM THE BANK. 

ON XXXX XXXX AND XXXX XXXX, XXXX BANK OF AMERICA CLAIMED UNABLE TO APPROVE MY FRAUD CLAIM, BUT ALSO REFUSED TO GIVE ME ANY EVIDENCE OF PROOF OF PURCHASING OR SERVICE. BANK OF AMERICA THREATENED ME TO RUIN MY CREDIT BY NOTIFYING ALL CREDIT COMPANIES FOR MY REQUESTING PROOF OF EVIDENCE OF PURCHASE OR SERVICE. 
PLEASE SEE ATTACHMENT OF THE LETTER FROM BANK OF AMERICA.

I REQUEST THE BUREAU TO HELP ME GET THE PURCHASING EVIDENCE, 1. WHAT DID I BUY?

2. WHEN AND WHERE WAS THE MERCHANDISE SENT?

3. WITHOUT THE PROOF OR EVIDENCE OF PURCHASE I REFUSE TO PAY.

4. ALSO PLEASE GIVE A FAIR JUDGEMENT : WHAT DID I DO WRONG ASKING BANK OF AMERICA TO PROVIDE ME PROOF OF PURCHASE AND CAUSING THE BANK TO UNLEASH SUCH UNFAIR TREATMENT AND TO THREATEN ME LIKE THIS.

5. WHAT PUNISHMENT THE VISA DEPARTMENT SHOULD GET FOR GIVING SUCH A HORRIBLE TREATMENT TO A LONG TERM CUSTOMER?

6.PLEASE ALSO INSTRUCT BANK OF AMERICA TO WITHDRAW AND CANCEL SENDING ANY SUCH WRONG INFORMATION ABOUT ME TO ALL CREDIT COMPANIES IMMEDIATELY.

THANK YOU!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Paypal closed my account with XXXX in it for no reason. 
XXXX. 
Above standard seller on ebay. No reason to close my account and hold funds for 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America continues to report delinquencies after receiving proofs of its previous errors and even reports new delinquencies in XX/XX/XXXX after the account closed following the sale of the property in XX/XX/XXXX. 
Bank of America previously changed my mailing address without my knowledge or consent and recently provided misinformation to its attorneys regarding communication that was never received during its extortion between XXXX and XXXX ( see attached payment history and memorandum in reference to changing my mailing address.

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 2021-02-26 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: CA

Complaint narrative:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CA

Complaint narrative:
I thought I was on auto pay, things got messed up. Never got a response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Balance Owed : {$200.00} Collection XXXX XXXX  XXXX Balance Owed : {$0.00} Charge off These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-02-26 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: Titan Receivables, Inc.
State: CA

Complaint narrative:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX  ( Original Creditor : XXXX CITY OF XXXX XXXX XXXX Balance : {$290.00} TITAN RECEIVABLES , INC XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CA

Complaint narrative:
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$290.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting

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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Company 's keep saying I'm apparently things the only place I applied was XXXX XXXX XXXXXXXX. The other i have no knowledge of

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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Company 's keep saying I'm apparently things the only place I applied was XXXX XXXX XXXXXXXX. The other i have no knowledge of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
CAPITAL ONE XXXX XXXX XXXX : {$0.00} This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the account that obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: DISCOVER BANK
State: MD

Complaint narrative:
I have received alerts that there is unauthorized activity taking place on my credit profile that I am unaware of. 

The following inquiers accounts are. Reporting to my report on XXXX : XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( I do not claim any responsibilities for this closed account attached ) XXXX on XX/XX/XXXX On XXXX inquire for : XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( I do not claim any responsibilities for this closed account attached XXXX Discover bank on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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