vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/2020, I tried to withdraw {$400.00} from ATM of US. Bank, located at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Wisconsin XXXX. 
I received from dispenser {$300.00}, less {$100.00}, receipt states {$400.00}. In ten minutes I filed dispute with the bank at the general phone number XXXX. 
My dispute was denied with denial letter on XX/XX/XXXX, XXXXWhen I call bank with request to provide all material of their investigation, they came up with explanation that customer service representative forwarded my dispute to the wrong department. I ASKED FOR MATERIAL OF INVESTIGATION ANYWAY. Instead CSR offered resubmit my dispute again, XXXX XXXX. On XX/XX/2020 US Bank denied second attempt of dispute. On XX/XX/2020, I called customer service to request ALL MATERIAL OF INVESTIGATION. In a week I called bank to find out about status of my requests. Bank 's employees started to transfer me from one department to another. I had chance to talk to debit card department, fraud liaison department, phone calls were disconnected or returned to the general options. Whoever I spoke had different explanation on the subject, deceptive, evasive, sometimes rude. All phone conversations are recorded. Special attention to the performance on the U.S. Bank Email Operation Department, XXXX XXXX He assured me that he forwarded my request to the investigation team, never responded to my email again. XXXX was very firm insisting that investigation department does not have direct phone number. All of them treated me as a fool. 
Managers aforementioned U.S. Bank location denied liability and authorities over their ATM. They claim some unanimous subcontractor provide services of ATM. 

Therefore, I demand all materials of investigations for two disputes on the same incident. 
Find attached copies of the transection receipt on XX/XX/2020 and letters of denial- XX/XX/2020, XX/XX/2020. 

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 2020-04-27 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:
IVE BEEN A VICTIM OF IDENTITY THEFT, THESE ACCOUNT DO NOT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
This is the second time our account with XXXX XXXX XXXX has been placed with CMRE erroneously. The first time was because of them using an incorrect billing address that caused us to not receive the bill. 

This time we are receiving a debt collection notice dated XX/XX/2020 for an account that is on an active automatic payment plan in the XXXX XXXX XXXX system. In fact a {$40.00} payment for this payment plan was charged to our credit card on XX/XX/2020, and a good faith payment of {$5.00} to start the payment plan was charged to our credit card on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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:
IVE BEEN A VICTIM OF IDENTITY THEFT, THESE ACCOUNT DO NOT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I had to file several valid disputes in which Usaa flag my acct and restricted my debit cards without proper notice before or after I contacted them about my cards not working. I was told I would have to possibly wait well past 90 days until all disputes have been resolved before I am able to even use my debit card again. It is my right a dispute so am I being accused of fraud from my own bank and beyond me and is absolutely unfair. From my understanding per usaa depository agreement I should have been properly notified and I never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: CA

Complaint narrative:
Hello Dear CFPB Please assist me to reopen my Capital One Business and Personal Cards that was closed for no reason. 

I used card and made large payment and account at first was restricted then after couple days i called to get information why my account is in restricted status. I was informed that the reason is they want to verify my payment and asked to send my XXXX business checking account statement and ID, which i did sent all information. After couple days i called to follow up and spoke with supervisor and was asked to send also my XXXX checking account statement and sent me link to upload which i did submitted and requested information while i was on the phone and she removed restriction and told me everything is ok. 

Next day i received email notification that my accounts has been closed. 


the reason i received letters are, We are closing this accounts because of activity on this or another account is not consistent with out expectations for account usage and violations of the Capital One Customer Agreement. 


I have done nothing wrong. 

Please assist me to reopen my accounts especially this crisis sitatuion that we need to operate. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I called RDAC to settle this account. I paid the exact settlement amount that was offered to me by XXXX XXXX. I previously disputed this debt with RDAC and the only information I received was that it was verified from the credit bureaus. I never received any notices about this debt as I moved out of state and was never contacted or received any mail. This is single-handedly preventing me from renting a home. I settled this account, and I never received proof that the debt was valid nor was I contacted. This debt should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-04-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I had a Bank if America XXXX XXXX  Visa card where for 6 months I called/faxed/completed numerous auto pay forms. 
I was told auto pay was set up in XXXX, would take 60 days to " activate '', called XXXX XXXX XXXX to confirm and was told auto pay was active and activated. 

I was then charged fees when it did not " auto pay '' correctly, and reported as 30 days late. I called to dispute and all fees and interest were reversed as it was plain as day there was an " auto pay error '' = it should have processed the payment from my asset account linked with auto pay that had funds available. But it did not. 

Please see the ledger notes confirming " bill pay error ''. There are a total of 58 comments on the ledger.

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 2020-04-27 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-04-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my current credit report from Experian, and XXXX  are both in violation of FCRA rules section 1681. 

Disputed account : XXXX XXXX XXXX XXXX  Please see attachment ; : Violations ; for currently reporting inaccurate balance, high balance, payment amount, & payment history after account has been closed.

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 2020-04-27 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:
Upon reviewing my current credit report from Experian, and XXXX  are both in violation of FCRA rules section 1681. 

Disputed account : XXXX XXXX XXXX XXXX Please see attachment ; : Violations ; for currently reporting inaccurate balance, high balance, payment amount, & payment history after account has been closed.

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 2020-04-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Theres is a chase account that has a balance of almost {$25000.00} show on my credit bureaus and is showing delinquent and 150 days past due. Ive never had any knowledge of this account ever yet I been in contact with chase and even issued police reports and they want to hold me liable for this account. 

I never benefited once from this account or have any knowledge for why it was being used till it reported to my credit. I been trying to fight this for a year and remove it off my credit but chase isnt helping me at all to remove it. 

This is horrible that my credit has been ruined over this credit card thats not mine and i sent plenty of proof it wasnt mine nor opened by me yet chase wont listen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On the morning of XX/XX/XXXX I get a notification on my XXXX  report of a derogatory remark from a Midwest Recovery Systems stated that I owe a balance of {$500.00} from a XXXX XXXX. I called this company and spoke with a XXXX XXXX who was very rude and unprofessional. When speaking with him about this account I informed him that I have not done business with XXXX XXXX since XXXX and my account was settled and paid in full back in XXXX. XXXX stated that I owed the balance and as he was checking his records he noticed I have a second account from XXXX XXXX in the same amount of {$500.00} and I asked when was it taken out he stated this month XX/XX/XXXX he wouldn't give me an exact date. I explained that I would like the item removed from my credit report and that you will not get a dime  of money from me with this SCAM! XXXX said the only way to have it removed is to pay the amount. After my call with Midwest recovery I tried to contact the company that he was referring to and it is no longer in business. My issue with this company is that I had the same problem with them last year XXXX XXXX XXXX in XXXX reporting false information on my credit report about this same balance of {$500.00} from the same company XXXX XXXX XXXX XXXX and I submitted them paper work ( paid in full letters ) of the balance being paid in full. I got the issue resolved and the false information removed when I contacted the bureau submitted the same paper work I submitted to Midwest Recovery ( paid in full letters ) as well. I'm getting very bother by the fact that this company, that is a SCAM can report false information on my report which is a big in convince when I have perfect credit and is in the process of doing business transactions where my credit plays a major part for my business! Therefore at this point in my life if I needed to borrow money I can go to a bank to do so! being a business owner. These people are very RUDE! and so unprofessional and they need to be STOPPED! with these scare tactics to give them your money. I would like for this company to be investigated! We are in one of the largest Crisis in history COVID-19 and you have a company trying to collect on accounts that have been paid when you have legitimate company 's that aren't even harassing individuals or trying to collect money from people with real accounts. I want it to stop and I want everyone to Know that Midwest Recovery Systems is a SCAM! and please beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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:
Theres is a XXXX  account that has a balance of almost {$25000.00} show on my credit bureaus and is showing delinquent and 150 days past due. Ive never had any knowledge of this account ever yet I been in contact with XXXX  and even issued police reports and they want to hold me liable for this account. 

I never benefited once from this account or have any knowledge for why it was being used till it reported to my credit. I been trying to fight this for a year and remove it off my credit but XXXX isnt helping me at all to remove it. 

This is horrible that my credit has been ruined over this credit card thats not mine and i sent plenty of proof it wasnt mine nor opened by me yet XXXX wont listen

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 2020-04-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is in violation of FCRA rules section 1681. 

Violation ; currently reporting disputed account as updated and accurate. Violations of FCRA rules Disputed account ; XXXX XXXX XXXX Inaccuracies ; no credit limit, no balance, no date of last reported payment, no payment history, no credit/ loan term reported. All violations of FCRA rules. 

Please see attachment ;

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 2020-04-27 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Alerted by Credit monitoring company that I have missed a payment with my auto company Bridge rest formely known as XXXX XXXX. After careful review of my report Bridgecrest has not reported any of my XXXX, XXXX payments made on time. Currently, my account is up to date and should have been reported accurately. My maturity date for my vehicle is XX/XX/2020. I will be finished paying off my vehicle. The incorrect information reported has caused my credit score to decrease. Would you please assist me with this matter? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
At XXXX today, I received a letter from Chase titled " Thank you for your interest in a Chase credit card. '' Since I did not apply for a credit card, I disregarded it as spam since I did not apply for a Chase credit card recently and already have one. However, there is an inquiry on my credit pull from them on my credit report now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
On the morning of XX/XX/XXXX I get a notification on my XXXX report of a derogatory remark from a XXXX XXXX XXXX stated that I owe a balance of {$500.00} from a First Cash. I called this company and spoke with a XXXX XXXX who was very rude and unprofessional. When speaking with him about this account I informed him that I have not done business with First Cash since XXXX and my account was settled and paid in full back in XXXX. XXXX stated that I owed the balance and as he was checking his records he noticed I have a second account from first Cash in the same amount of {$500.00} and I asked when was it taken out he stated this month XX/XX/XXXX he wouldn't give me an exact date. I explained that I would like the item removed from my credit report and that you will not get a dime of money from me with this SCAM! XXXX said the only way to have it removed is to pay the amount. After my call with XXXX XXXX I tried to contact the company that he was referring to and it is no longer in business. My issue with this company is that I had the same problem with them last year ( XXXX ) in XXXX reporting false information on my credit report about this same balance of {$500.00} from the same company ( First Cash ) and I submitted them paper work ( paid in full letters ) of the balance being paid in full. I got the issue resolved and the false information removed when I contacted the bureau submitted the same paper work I submitted to XXXX XXXX ( paid in full letters ) as well. I'm getting very bother by the fact that this company, that is a SCAM can report false information on my report which is a big in convince when I have perfect credit and is in the process of doing business transactions where my credit plays a major part for my business! Therefore at this point in my life if I needed to borrow money I can go to a bank to do so! being a business owner. These people are very RUDE! and so unprofessional and they need to be STOPPED! with these scare tactics to give them your money. I would like for this company to be investigated! We are in one of the largest Crisis in history COVID-19 and you have a company trying to collect on accounts that have been paid when you have legitimate company 's that aren't even harassing individuals or trying to collect money from people with real accounts. I want it to stop and I want everyone to Know that XXXX XXXX XXXX is a SCAM! and please beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I tried linking and transferring money from my Pnc account to my other online banking account and Pnc doesnt allowing account to link. Ive had problems previously

Company response to consumer: Closed with explanation