vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I disputed a transaction with Capital One. I requested the accommodation under the ADA Title III that Capital One provide me with assistance, allow me additional time to respond if needed, and respond affirmatively to my accommodation request. Capital one did not respond, and unfairly denied me my rights under the Fair Credit Billing Act regarding my dispute. Capital One has NEVER responded to any of my accommodation requests under the ADA Title III, has repeatedly denied me my rights under the Fair Credit Billing Act due to their blatant refusal to respond to accommodation requests under the ADA Title III. In addition, I have had capital one customer service representatives hang up on me with I request an accommodation, or mention the ADA Title III. Capital One has denied me my rights under the Fair Credit Billing Act regarding my dispute with Case Number : XXXX XXXX  billed on XX/XX/2021 for {$790.00}. The did not give me enough time to respond ; they did not explain what they needed, and why they need it ; and they refused to respond my accommodation requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I got " hired '' on XXXX, to be a XXXX XXXX for a contracting company named " XXXX XXXX XXXX. '' After researching the company, I found their website and their XXXX. Their XXXX had a few reviews both good and bad about their work on it so I didn't think anything of it. During the job, they said that I needed work equipment like a laptop and etc so that I can complete work for the job and that this will be covered by the company. They sent me checks made out from " XXXX XXXX XXXX '' to cash and specifically asked for USAA so that I could cash them to ship my equipment to me, saying that mailing them would take longer which would delay the start day of my job. One of the checks was for {$4500.00} and another check for {$8500.00} was sent. The check for {$8500.00} was sent because they told me that they had two new hires and wanted to know if I could order their equipment seeing as though I " knew the process ''. After, I realized that this was a scam so I told USAA fraud department. They said that I was involved and that I knowingly did this and stated that I had to pay the total of {$13000.00} back to the bank. I have images, documentation, and a police report clearly detailing that I had no idea what was happening and that I am a victim of fraud. The Banks " investigation '' is still going on, and they have contacted XXXX XXXX  's fraud department, but has received no response. I am only 19 years of age, they don't teach this in school and I have yet to even see that amount of money in real life. I didn't even go to college just because I couldn't afford it and didn't want to be in debt. To think that I would have to pay for the wrong doings of someone I have never even seen before is unthinkable. Since the checks over-withdrew the account, they were transferred to the credit card. I have already payed {$2000.00} off so that the card does not gain interest. Since this incident, I have educated myself about scams and the many ways people attempt to scam, I REFUSE to have this happen to me again. I honestly just want my future back. Ultimately, my complaint is for " USAA '' and " XXXX XXXX  ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: CO

Complaint narrative:
On XX/XX/2021 I sent a letter to XXXX  and Equifax requesting for further review as to why the US DEPT OF ED still reporting payment history on a " Charged off Account '' the section that shows late payments and CO should in fact be removed per the FCRA and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
In trying to pay my mortgage off as early as possible, I paid extra payments over several years. When I paid these I checked a box called " make a payment '' What i did not realized is that I should have checked " principal '' When I asked Wells Fargo to convert theses payments to principal, they refused. So in essence, they are wrongly keeping about {$16000.00} of my funds and taking it as interest revenue while this was not earned by them. This should be illegal and they should be forced to record my payments on a first in basis applying them to interest only when interest is due.

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 2021-08-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/21, a dispute was submitted regarding false information on credit report and it has taken over 30 days to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB, Recently I have started to rebuild my financial health and in the process I have started to pay creditors for bills that I have incurred on charged off or collection accounts. 

The account in question is with XXXX XXXX, XXXX  and TransUnion. 

In XXXX of 2021 I noticed that I had a collection on my account for XXXX XXXX. The amount listed on my credit report both XXXX  and TranUnion was the same amount {$380.00}. That was the reported amount since the account went into collections. I went back to my emails and found the last billing statement from XXXX and that was the amount I owed, I clicked on the pay bill link and promptly paid my bill. Come to find out they are reporting it as a settlement, that I paid less than my account was which is false. I paid the full amount on the bill. I sent XXXX  a copy of all the emails I could find from the account inception and not one of the bills shows any amount over what I paid. I tried to resubmit to TransUnion but the system wouldn't take it. Again the amount I paid was more than what was reported on my file from XXXX. I had hurricane outages, refunds, fees, down service. At this point no one has given me anything referencing how anymore money is owed. I question the entire file. 

XXXX  and TransUnion refuses to correct this information and continues to report that I settled this claim when I haven't. I have never discussed a settlement with anyone, nor did I realize that me paying this bill was for less than I owe. 

Based on reported data I paid the entire balance and this false reporting is harming me enough to the point I am writing you. 

Please help me address this issue as this is extremely frustrating and inaccurate to the fullest. 

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 2021-08-01 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/2021 I sent a letter to Experian regarding the XXXX/XXXX requesting that the charge off reporting and all late payments be removed due to the fact that the charge off has already been reported and that there shouldn't be lates or charge off reported. Also, the account was transfered and sold to XXXX XXXX therefore this account should be removed. They have address the issue and its over 30 days. MUST BE REMOVED.

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 2021-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX phone # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX has reported a collection notice on my Transunion Credit report in the amount of {$6000.00}. The collection has been reported as a past due am

ount. Which is not reflected on my credit history anywhere EVER. I don't know who this company is and have never done business with them. This company does not have any contract with my signature. Despite this, Transunion has done nothing to fix this false, inaccurate information being reported. They refuse to properly investigate the full accuracy of the information being reported as the law requires them to. I want this false reporting removed and Transunion held accountable for allowing this bogus creditor to put this on my credit report while doing nothing about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
I recently checked my XXXX  credit report and I still see a collection from ability recovery services on my report for {$0.00} after I was told over the phone once I pay the {$170.00} which I did in full that the debt would be deleted but ability recovery didnt keep their promise.

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 2021-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

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 2021-08-01 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: Self Financial Inc.
State: GA

Complaint narrative:
I had an account with Self Lender. The account is currently paid and closed and has been since XX/XX/XXXX. Today ( XX/XX/XXXX ), the company reported that the account status is currently 30 days past due. Again, the account is closed with a XXXX  balance!!!!! The account is not 30 days late. I previously filed a complaint about this months ago. The company fixed the issue, but as of today, they reported the incorrect status AGAIN. I am including the letter from the company from my last complaint where it states that they were correcting the account status. The company has gone back on their word, which is in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX  : Account number : This account is inaccurate. 

XXXX XXXX : Account number : I dont remember having a charge-off. 

XXXX  : Account number : Inaccurate/ Incomplete/ Unfair/ Unverified 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 explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have trust Citibank New York to wire payments that were a fraud to Ctiibanamex to an account XXXX XXXX XXXX  XXXX XXXX. I HAVE CALLED. I went to XXXX XXXX XXXX XXXX XXXX XXXX but on pandemic they did not help they make a call to customer service but they never answer and said they can not help. I went to XXXX on XXXX XXXX but they said I have to prove a crime. IT was scam from a company who offfer to sell our membership and they have all the information from XXXX and XXXX XXXX in XXXX and the big mistake was to pay for something that was buyer responsabilities but since was bank to bank I got convinces by this XXXX group of criminals and we went to XXXX  even they said this companies look real but they are fake. 
Citibank contacted an open cases for each wire and but there was one on XXXX  and one still pending but they did not stop those two. After that on XXXX called but they give no answer until on XXXX receives a letters for each saying beneficiary bank did not respond it was so disappoint went they said account is fake. How it is possible and they should have compliance a little to us as customers Citibank never give us a good respond. Precinct investigator told me I should file a court complain. I have try to help other people but complain but investigator or some one IC3 Fraud scam agencies XXXX  investigate with number e mails because they still on XXXX as companies and I have the feeling there are people like us naive. i WANT TO HELP OTHERS. It is hard I am senior and XXXX patient who fail and wanted to pay mortgager but was swindle.

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 2021-08-01 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: CO

Complaint narrative:
On XX/XX/2021 I sent a letter to Experian and XXXX  requesting for further review as to why the US DEPT OF ED still reporting payment history on a " Charged off Account '' the section that shows late payments and CO should in fact be removed per the FCRA and FTC.

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 2021-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
In XX/XX/2021, I had become a victim of Identity Theft. I learned that 4 accounts ( 2 savings and 2 checking accounts ) had been opened in my name via XXXX XXXX. Working with the FTC and XXXX XXXX, those accounts were deemed to be fraudulent and have since been closed. 

in XX/XX/2021, I have learned that 2 account ( 1 checking and 1 savings ) had been opened in my name via The Huntington National Bank in Ohio. I called and spoke to a customer rep and they stated someone would be calling me to speak with me within 24-48 hours. I did not hear from anyone so I called again. The gentlemen I spoke to stated that the accounts were in the process of being closed. The following day, I received a letter that shows the accounts are still open.

I do have a credit freeze and fraud alert on my credit to help this from happening again, XX/XX/2021 I send 2 letters for each account with my statement via the FTC asking those accounts be closed as they are fraudulent. 

XX/XX/2021, I still have yet to hear from anyone from Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Sunday, XX/XX/2021 from the company by the name of credit acceptance, I am less than a month behind. The 1st call came at XXXX XXXX. after another call at XXXX XXXX., followed by 2 more calls at XXXX XXXX. Later that day 3 more calls were made at XXXX XXXX ; as of right now the last 3 calls have been made at XXXX XXXX for the day I hope.

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 2021-08-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
9 collection accounts were added work of XXXX, doing my credit score, which was already inaccurate, then ( 8 ) were removed in XXXX of XXXX, score never change back up, the, ( 9th ) was removed XXXX this year and it dropped ( 5 ) more points, some have changed the balance and the last payment dates ( XXXX  XXXX XXXX XXXX ), XXXX  closed my secured card of {$800.00}, {$200.00} had been spent of it in XX/XX/XXXX, I was it phone with fraud department, as it was being breached while they were working on it, at that point I asked for a freeze on the card, next thing I know it was in collections for {$480.00}, I had my own {$800.00}, they won't take it out of collections and return my money, no reason given, bunch of run around. XXXX XXXX XXXX has had a lot of funny business going on with my account and credit cards, extra high balances and payments for the card limit to be only {$600.00}, I asked in branch and can get no staying where even after didn't them on my credit report through XXXX, broke down details. XXXX XXXX XXXX, had me in collections for {$650.00}, I disputes it knowing I owed nothing, they removed {$600.00}, but let {$58.00} in, no reason given. XXXX  REPORT ARE INACCURATE, Phone numbers keep getting changed on personal data, making it hard to be identified with XXXX  XXXX  XXXX XXXX, but showing a lot of negative on report along with inaccurate data. XXXX has a medical bill that shouldn't be there. XXXX  with WOW, XXXX, I have had these services, don't owe anything, not showing on XXXX, but it is on the other 2, Please help, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: GA

Complaint narrative:
I noticed multiple problems with the following collection account : XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) : I dont recall having a collection account. 

XXXX XXXX ( Original XXXX XXXX  ) : I dont recall having a collection account. 

XXXX XXXX ( Original XXXX XXXX XXXX ) : I dont recall having a collection account.

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 2021-08-01 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: Eastpoint Recovery Group, Inc
State: CO

Complaint narrative:
I have been working with this creditor since XX/XX/XXXX to settle this account in full and remove all negative information reported including late payments. This account should show status as closed with XXXX   balance and XXXX  past due amount with no late payments reported. Letter from the company confirming this is dated XX/XX/XXXX and still has yet to be fixed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Hello, I recently disputed this. I return the instrument back XXXX XXXX XXXX. Here is the recite paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One handles the credit card processing for Menards. 

Until XX/XX/2021, our payment for the full amount of the credit card bill would be processed in 2 business days through our bank. 

Starting in XX/XX/2021, our payment now takes five full business days to process through to Capital One/Menards. This change means that the money leaves our account on XXXX XXXX but is not " received '' until XXXX XXXX, the due date for this coming month. 

I believe that the credit card company is making it as inconvenient as possible for us to pay directly from our bank so that we will use autopay through the credit card company, which would entail our giving them our bank routing and bank account number, adding a layer of additional risk to our banking account.

Company response to consumer: Closed with explanation