vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
In XX/XX/2020 I paid {$500.00}. I have a balance due of {$1900.00} after paying the {$500.00}. Prior to XX/XX/2020 I made smaller payments ; I lost my job and I was unable to make the payments. I called on XX/XX/2020 to make a payment and I was told I would have to make the payments to a collection agency in the amount of {$2300.00}. 
I asked to make monthly payments to cover the amount for {$1900.00} but they would not accept it. I believe the sent the debt to the collection agency prematurely and that they should work with me to continue paying on the debt. 
They destroyed my credit rating ; and the payments would have been made in larger amounts now that I have a job. 
Companies involved : XXXX University, XXXX XXXX XXXX XXXX, XXXX, MD 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 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
During my flight of many from XXXX to XXXX Hawaii, The crew of XXXX XXXX advertised applying for XXXX airline Credit card and get XXXX air miles as soon as you use the card for even {$1.00}, I applied for the card and got it around XX/XX/2019, and after 3 statements the Barclays Bank told me that this information is not correct and I will not get my miles unless I spend over {$5000.00}, I immediately closed the account, paid off the balance. 
4 month later I found that they charged me interest of about {$10.00} right after I paid off the balance and add late fees of {$150.00}, and reported to XXXX  the credit reporting agency a delinquent account for 120 days, which had a big negative effect on my credit score, my credit score used to be XXXX, it is now XXXX. 
I called tried to reason with the bank, and they declined to remove the bad credit reporting, and waved some of the late fees, the account should have a ) interest to start with, and to charge me interest after I paid it off and closed the account, and fil to inform me of delinquent amount for 120 days is definitely a blackmail method of the bank and XXXX airline

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 2020-03-21 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: SC

Complaint narrative:
The party has not validated nor verified as they state which is legally required by the FCRA as well as TILA and over due according to the rules and regulations of the FCRA .I continue to have to file complaints due to the the corporations inability to legally comply and will continue to do so until I am provided fully compliant responses as stated and cited within their control and or possession.A mere statement that they say they have complied is not a compliance.This corporation even stated my date of birth incorrectly.This corporation has a long history of manipulation and exploitation with other consumers. I know of nothing that supports this corporations allegations that I owe them anything.This is not my account and they know this and is why theyve not been able to provide any sort of compliant verification validation as is required and has been demanded of them by way of certified letters and calls thereafter only to not comply and harass via telephone.This corporation needs to be held accountable for their actions and investigated for their continuing fraud.They have also failed to provide anything that has my signature or contract because it does not exist. They have also failed to provide anything that has been submitted under penalty of perjury under oath.Ergo I contend and will continue on contending I know of nothing that supports their allegations based on what has and had not been provided.This corporation is guilty of negligence and maliciously willfully and purposely attempting fraud and RICO conspiracy for an unverified invalidated account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-03-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX FRAUD CLAIM LETTER attatched USAA POLICY temporary credits provided until fraud investigation is complete ARE MADE PERMANET. Kindly note this claim date XX/XX/XXXX TOOK TEN ( 10 ) MONTHS TO COMPLETE INVESTIGATION TO MAKE CREDITS PERMANET. see attatched XX/XX/XXXX statement XX/XX/XXXX {$200.00} & {$280.00} TEMPORARY CREDITS ** ARE NEW PURCHASES ** I DID NOT PURCHASE XX/XX/XXXX?? Why are TEMPORARY CREDITS ( no time to have been made permanet yet ) REPLACED WITH NEW CHARGES I DID NOT AUTHORIZE?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2020, I requested a balance transfer using my PenFed Power Cash Rewards credit card. The payment of {$510.00} went from Penfed to XXXX XXXX XXXX. After I entered my XXXX account number, I was given the option to select the ONLY name that came up after I entered my account number and that was XXXX XXXX XXXX. I selected the name and pressed confirm. I received a message saying the request was submitted successfully. On that day, I performed several balance transfers. I was informed that the balance transfer would take up to 10 days. Every account received their payment within 3-5 days except XXXX. I began to call XXXX credit card, which is under XXXX XXXX, to find out the status of the payment I submitted on XX/XX/XXXX. XXXX/XXXX  XXXX said they never received any payment. I contacted Penfed to inform them that XXXX/XXXX  XXXX  has not received the balance transfer payment. On XX/XX/2020 I had a conference call with a rep from Penfed by the name of XXXX and a supervisor from XXXX/XXXX  XXXX by the name of XXXX ( employee number XXXX ). XXXX explained to XXXX that they needed something stating that my balance transfer to XXXX was rejected so penfed could resend funds. XXXX said there was no payment showing in any of their systems to give Penfed a notice of payment rejection. XXXX from XXXX/XXXX  XXXX explained that when things like that occur XXXX  XXXX has the ability to have that payment sent back to the cardholder ' credit card. 

After the conference call I was under the impression that Penfed would cancel the payment and it would be returned to my credit card. No such thing occurred. I've spoken to multiple people, XXXX, XXXX Asst manager, XXXX XXXX, at Penfed with regards to my missing balance transfer payment. On XX/XX/2020, I spoke to a supervisor by the name of XXXX. He told me that somehow my payment went to XXXX instead of XXXX/XXXX  XXXX. XXXX is XXXX and XXXX XXXX parent company. Penfed has sent several messages to XXXX asking them to resend my payment. They claim they don't have the payment. He said pended 's system is possibly not detecting that something went wrong with the balance transfer payment and they have to wait until it's sent back to my credit card.

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 2020-03-21 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: CA

Complaint narrative:
Today XX/XX/2020 I went to a dealer to purchase a new vehicle when they ran my credit I didnt get approved because I apparently I had some negative accounts & a few inquiries on my credit report. I wasnt sure what they were talking about so i looked at my credit report myself & sure enough I saw 3 accounts & some inquiries on my report that arent mine. I did not open these accounts nor did approve of these inquiries. I have never allowed anyone to use my personal information to open any accounts in my name. I am not affiliated to any of the companies lised on this report nor have I ever opened an account with those companies. I did not get anything out of these accounts that were opened such as money, services, goods or any other benefit ; I have never contributed to any payments made towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report regarding these suspicious accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
We purchased a {$500.00} American Express Serve Prepaid card. I have included the image of the card as it was taken from it's packaging. As shown, the card front is defaced in a seemingly fraudulent way. The front facing account numbers have been covered or removed with an all white paint or remover. I can not use the card online without the 4 security numbers listed on the front. I can check the balance which is still there, however I can not use the card. 

I contacted Serve 9 times, escalated the call successfully 6 of those times and was told the following solutions. 

I was offered to have the card replaced for a {$20.00} dollar mailing fee or wait 10 days for the money I need to prepare for Covid19 Shelter in place. This is highly unusual for this esteemed company, I find the problem lies in the call center. No one will listen to the problem, they want to deflect. 

I was then told that I would not be able to have a card sent to me because it was not registered. I was advised by a supervisor to register my card which I had already explained, can not be registered without a security number ( that which is defaced on this card ). 

I was told that the vendor is responsible, however, the card came in. a sealed package from XXXX in XXXX. I am stuck without fund and ServeAmex has my fund and will not reissue a card. 

Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-21 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: CA

Complaint narrative:
Today XX/XX/2020 I went to a dealer to purchase a new vehicle when they ran my credit I didnt get approved because I apparently I had some negative accounts & a few inquiries on my credit report. I wasnt sure what they were talking about so i looked at my credit report myself & sure enough I saw 3 accounts & some inquiries on my report that arent mine. I did not open these accounts nor did approve of these inquiries. I have never allowed anyone to use my personal information to open any accounts in my name. I am not affiliated to any of the companies lised on this report nor have I ever opened an account with those companies. I did not get anything out of these accounts that were opened such as money, services, goods or any other benefit ; I have never contributed to any payments made towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report regarding these suspicious accounts and inquiries.

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 2020-03-21 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: CA

Complaint narrative:
Today XX/XX/2020 I went to a dealer to purchase a new vehicle when they ran my credit I didnt get approved because I apparently I had some negative accounts & a few inquiries on my credit report. I wasnt sure what they were talking about so i looked at my credit report myself & sure enough I saw 3 accounts & some inquiries on my report that arent mine. I did not open these accounts nor did approve of these inquiries. I have never allowed anyone to use my personal information to open any accounts in my name. I am not affiliated to any of the companies lised on this report nor have I ever opened an account with those companies. I did not get anything out of these accounts that were opened such as money, services, goods or any other benefit ; I have never contributed to any payments made towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report regarding these suspicious accounts and inquiries.

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 2020-03-21 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: DISCOVER BANK
State: PA

Complaint narrative:
I held a credit card account with Discover since XXXX. I had not used the account for more than a year -- the last time it carried a balance was XX/XX/XXXX -- but I was given no indication anything was wrong, and had even received a new card to activate, replacing my old one. I activated the card online on XX/XX/XXXX with no apparent issue, but when I went to use it the next day for a point of sale purchase, it was declined. 

After calling Discover on XX/XX/XXXX with my issue, they informed me the account had been closed without any notice to me. I received no communication -- not by telephone, U.S. Mail or secure message via their website -- to let me know this was the case or to give me a chance to take action and keep the account active. 

Discover said their policy was to open a new account for me, again, not a problem. But they said they could only offer me a credit limit of {$3500.00} on the account, a decrease of {$11000.00} from my previous limit of {$14000.00}. Their reasoning for doing so was my credit score being lower than it was previously, but the drop in score was a result of their unilateral actions stripping me of a nine-year old account and more than {$10000.00} of available credit. 

Any time in the past when they increased my credit limit or made any other changes to the terms of the account, I received a letter in the mail and, usually, confirmation online, as well. Even if they had kept my old account open but simply opted to lower my available credit, which would be well within their rights, isn't some form of notification required? 

I never missed a payment on the credit card and also paid off an {$8000.00} personal loan with their bank over a four-year term. After all that, Discover pulled the rug out from under me and put me in a tenuous position using more of my available credit than I'm comfortable doing, further adversely impacting my credit score. 

I'm very disappointed in their actions, and want to find out what recourse is available. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: I.C. System, Inc.
State: CA

Complaint narrative:
I stopped using XXXX XXXX services and move from my house the with internet service in XX/XX/2018. After this, I canceled my account with them. After canceling my account, they continued to charge me for services they never provided on an account that had already been closed. I do not owe them any of the money that they are requesting.

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 2020-03-21 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: NY

Complaint narrative:
I have fraudulent accounts on my credit report, see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX my family and I were supposed to fly out of XXXX XXXX XXXX XXXX XXXX ( XXXX ) back home to XXXX XXXX XXXX ( XXXX ). The flight was to leave on XX/XX/XXXX at XXXX. I checked into the flight on XX/XX/XXXX at XXXX and printed my boarding pass. At XXXX on XX/XX/XXXX I received notification on my XXXX  app that my flight is being delayed until XXXX on XX/XX/XXXX. At XXXX I received a follow-up alert via XXXX app saying my flight was now being delayed until XXXX on XX/XX/XXXX. At XXXX I received, yet again, another notification, this time via email, that I am being rebook to a connecting flight from XXXX at XXXX to XXXX XXXX XXXX ( XXXX ) and then a connecting flight to XXXX. I tried to get ahold of someone on the phone, however, I was met with an over three hour hold. My daughter had XXXX XXXX XXXX on XX/XX/XXXX, and I was already worried about traveling with her in the airport during the Covid-19 outbreak, however, I became even more stressed when I learned that without my permission I was forced off the flight. We were told that the XXXX flight, out initial flight, was overbooked and the reason we were bumped off the flight was because we used reward miles. When I finally got ahold of a representative from XXXX XXXX on Tuesdays around XXXX, I was told it seemed there was a system error which caused for my family and I to be re-assigned to another flight. I, however, should not be penalized monetarily due to a system error. 
Due to the uncertainty of what was happening in XXXX XXXX the only other way to get home was to rent a car and drive cross-country with a XXXX old baby ( who had XXXX XXXX XXXX on XX/XX/XXXX ) and I was incredibly upset, stressed, and worried for the health of my daughter. Not to mention the stress it caused my daughter to have to be in a car for almost 40 hours driving back home.

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 2020-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
see attatched REGIONS letter XX/XX/XXXX confirming a dispute was recieved XX/XX/XXXX PER REVIEW NO DISCREPANCY WAS FOUND. Due to my XXXX I have no one to assit in THIS EXTRA HARRASSEMENT STEP OF REGIONS ID THEFT KIT. I HAVE SUBMITTED IT TO AUTHORITES REGIONS DENIED MY CLAIM. Regions may view the attatched FTC ID THEFT REPORT case XXXX for any information needed or documentation of fraud date XX/XX/XXXX. see attatched MAIL FRAUD LETTER of XX/XX/XXXX. also see attatched REGIONS REPLACEMENT CARDS DOCUMENTATION. My records show XX/XX/XXXX I REPORTED UNAUTHORIZED TRANSACTIONS CARD END XXXX. XX/XX/XXXX REGIONS REPLACED FRAUD CARD WITH CARD END XXXX see attatched XX/XX/XXXX regions letter end this card XXXX. Over {$2000.00} reported unauthorized to no avail. CLEARLY THESE WERE ALL REPORTED TIMELY EVEN FROM DATE OF LETTER XX/XX/XXXX THEY ARE NOT PAST 60 DAYS. MY CLAIMS DISMISSED THEN CORP OFFICE REFERRED ME TO BRANCH XX/XX/XXXX TO RESOLVE. EMAILS FROM THIS OFFICE UPON REQUEST. STILL NO RESOLVE. My records show I reported fraud again XX/XX/XXXX REGIONS REPLACED THIS FRAUD CARD ENDING XXXX I reported again XX/XX/XXXX REGIONS REPLACED CARD END * XXXX.???? Then they denied my claim. Kindly Note Regions Letter of XX/XX/XXXX IS AFTER CONFIRMED INVESTIGATION thus HAD TO BE REPORTED PRIOR TO XX/XX/XXXX. KINDLY NOTE THE CARD ENDING WAS XXXX THE FIRST REPLACEMENT. CARD FROM XX/XX/XXXX. FRAUD CONFIRMED REPORTED TIMELY. REGIONS DOES NOT RESOLVE FRAUD. REGIONS COLLECTS ON ID THEFT. REGIONS DOES NOT PROVIDE XXXX ACCESS MOBILE APP. OR WEB. THREE BROKEN LAWS. REGIONS PRETENDS THEY DO NOT KNOW WHAT I AM TALKING ABOUT. EMAILS OF IGNORING ME XXXX XXXX FROM XXXX XXXX XXXX FL BRANCH OFFICE XX/XX/XXXX UPON REQUEST AND THAT IS after corp ignored me over a year.

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 2020-03-21 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: NY

Complaint narrative:
I have fraudulent accounts on my credit report, see attachments

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