vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: WA

Complaint narrative:
I received a call from what seems to be a debt collector group called Capital Accounts. They claimed that they were attempting to collect on a debt I owed to XXXX XXXX XXXX in XXXX, Idaho. I did rent a house for a year through this company but never knew of any debt or had ever been notified. My rental was closed in 2014. I was not going to pay this Capital Accounts over the phone and I certainly wanted to know what I supposedly owed for if anything. I immediately got off the phone with Capital Accounts and called XXXX XXXX. I spoke with a lady named XXXX and she seemed to both remember me and assured me that I did not owe anything. Capital Accounts called me again today trying to collect and I told them that I find this to appear fraudulent and I would report the incident. The amount was odd ( {$88.00} ) and maybe they thought I'd be a sucker and cough up credit information. Their web site given is : http : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Used credit card to pay a shipping company to transport a pallet of boxes from XXXX XXXX to XXXX. One time transaction. The shipping company charged me for this transaction. However, 45 days later, they charged me the same amount again, for the same transaction and without my authorization.

I disputed the second fraudulent charge with Barclays card immediately after realizing this transaction on my account, but did not receive any favorable resolution. Only a letter stating they could not do anything.

I want to file a complaint against Barclay card for misleading customers about fraudulent charge protection when using their card. It is know that banks provide purchase protection, price protection and extended warranties insurance to customers without any additional charges.However in my case, they did not process a claim - even after supplying them with appropriate documentation and proof.

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 2020-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one auto finance is incorrectly reporting my home address from a charged off auto loan. They are still reporting and old address from 2013 '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, XXXXMy current address " XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. Could you please update the address and report it correctly. Thanks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, I am writing in regard to {$8000.00} which is currently missing from my bank account. I will try my best to provide a timeline as followed : XX/XX/XXXX I sent {$8000.00} to XXXX XXXX from Chase bank. The money was not immediately received and so I had to open a claim with Chase. They provided me with temporary credit. Afterwards, the credit was reversed. On XX/XX/XXXX, {$8000.00} was deposited into my XXXX XXXX account. On XX/XX/XXXX, the {$8000.00} was reversed back to Chase. This is all the information I that I have access to according to my bank statements. 

I am beyond upset at the lack of help and understanding that I have gotten from Chase. Each time I have called, I had to explain my case to a different person and while some tried to help some were very dismissive. I am told that XXXX XXXX has my money now but they claim that they do not have it. 

I do not want to pursue legal action but I also do not know what else I can do at this point. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Credit Counseling Services Inc.
State: AZ

Complaint narrative:
I attempted to resolve & negotiate credit debts thru Corporate Turnaround back in XXXX of XXXX. I provided all amounts owed with contacts including phone numbers, account numbers & balance owed. At that point they started deducting {$1600.00} a month, as the months went by I started receiving collection notes, then it went on to more aggressive means as I started getting served by the courts for creditors that had been provided to CT when they started receiving funds. I sent all summons & letters to CT believing they are handling my accounts for me. I started questioning what is going on & why did it get to the point of me getting served by the courts when CT has been deducting funds to negotiate & pay my creditors for many months ( about a year almost ). I asked for reports for many months from XXXX XXXX in which I would never get anything sent as to what the progress was. I requested many times for report as to what was paid to creditors. I finally received a report XX/XX/XXXX from XXXX who stated he was the new account rep, I immediately explained to him my concerns & wanted an explanation of where my funds have gone. XXXX sent report reflecting {$18000.00} that CT had deducted from our account. The report reflects CT is holding on to almost 50 % of the funds due to inactive debt which XXXX explained these are accounts that closed with no effort to reach out to my creditor. I took it upon myself to call all creditors & they said no one from CT has ever reached out to them to negotiate, they had no idea any company was involved to negotiate debt or work out a payment. The only ones who did get a call was XXXX, XXXX XXXX XXXX out of 8 creditors that where submitted. I have requested to date from CT to provide me with what exactly was paid & to which creditor it was paid to. I am still waiting for the report. It makes no sense for me to get served more than 3 times by the court when CT should have been handling all the creditors from the get go. Now as a result of CT negligence the balances & fees with these companies are much higher than when I submitted, they have caused more issues & made the debt worse then it was before I started out. They did not provide the services they advertise for debt relief, they made my situation worse. I need CT to take accountability & resolve the debts with the {$18000.00} they have received so far & provide proof they have resolved my debt with a feasible debt solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: TX

Complaint narrative:
When In look at my credit I notice there are fraudulent and inaccurate accounts reporting.

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 2020-05-05 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, American Express ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the American Express account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for American Express ( see attached bank statement ) - On XX/XX/XXXX, American Express sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, American Express sent me a XXXX for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, American Express was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the discharged amount. I then lodged a dispute with XXXX, but was denied ( see dispute attached ) - At this point in time, I have paid off American Express, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
NM XXXX XXXX  should not be on my credit report at all. I have never once been tried for XXXX XXXX paid any money to a XXXX XXXX  division. This account was inaccurately opened and needs to be removed. I have paperwork that this was an error and needs to be corrected on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX of XXXX I bought a XXXX that costed {$1700.00} in an XXXX store in XXXX, New York. When I was about to buy it, the sales person offered me the Barclay credit card with XXXX rewards. He told me that I could buy the XXXX with it with no interests if i would make more than {$1700.00} in payments before XX/XX/XXXX. I accepted the offer. 

By XXXX, XXXX I had already made {$1800.00} in payments, which, according to what was said to me, would exempt me from the interests of the XXXX purchase. To my surprise, last XXXX, XXXX, Barclay added {$770.00} in interests to my balance. When I called them inquiring about the sudden surge, they said those were the interests of the XXXX I bought in XXXX. They explained that the {$1800.00} worth in payments made by me didn't count towards the XXXX purchase. 

I was misled at the time they offer the credit card to me. I have been trying to explain that to multiple representatives, but they seem not te be willing to help. In XXXX, they closed my account and placed the debt in an in-house collection department. Meanwhile they are still increasing my debt by adding penalties and interests every month. On XX/XX/XXXX I call them again, and the representative told me that is there is a problem with the interests accrued by the XXXX purchase I needed to meddle that with XXXX, but XXXX said they have nothing to do with it because they are not my creditor.

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 2020-05-05 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Hello, my name is XXXX XXXX, I had a Wells Fargo credit card Acct # XXXX. This is a card that my parents has opened for me 10 years ago, and was the only item on my credit that was helping my score stay positive. Unfortunately when I changed my address on the card about a few months ago, the card was randomly closed because Wells Fargo said the account was fraudulent. Even though there was nothing indicating that it was fraudulent. I am hoping this can get resolved. I have escalated this to the highest department at Wells Fargo, but since the COVID-19, I haven't been able to get a hold of anybody. I have a child and this is hindering my ability to do anything for him. I now have ZERO credit. : (

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 2020-05-05 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: TX

Complaint narrative:
I reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information merged with a former roomate. Although at a time we had the same mailing address, I NEVER WAS THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :

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 2020-05-05 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: KS

Complaint narrative:
Submitted a credit report entry dispute related to XXXX Complaint XXXX ( XXXX XXXX XXXX ) to Equifax by letter dated XX/XX/2020 stating that the debt collection company failed to provide, and has admitted they can not provide, the legally required " Validation '' information to support their claim. The letter incorporated CFPB example letter text, plus known federal/state law requirement criteria. All communications to and from the debt collection company were included in the information submitted to Equifax. 

As of this date, XX/XX/2020, Eqifax has never replied with a response ( 82 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: TX

Complaint narrative:
When In look at my credit I notice there are fraudulent and inaccurate accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: TX

Complaint narrative:
When In look at my credit I notice there are fraudulent and inaccurate accounts reporting.

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 2020-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: UT

Complaint narrative:
I am supposed to receive my XXXX from US Bank with my unemployment funds on it. 
It has been several weeks and I have called almost every day and have been on hold for hours ( 4 hours today ) and no one will answer my call to tell me where my card is. 

The Utah unemployment office told me that I have to talk to US Bank in regards to my card. 

It is not my fault that I lost my job and I need my money because I am behind on my bills. 

This is very unprofessional on the part of US Bank, and I feel like I am being scammed out of my money because I filed for unemployment on XX/XX/XXXX, and it is now XX/XX/XXXX and no card, no money. No one will answer my call. 

The past few days when I have called I have waited for at least two hours and their phone is just dead and I have no idea whether I am still on hold or not.

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 2020-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX, Centralized Executive Office of Escalated Complaints received and acknowledged my concerns regarding the deceitful and fraudulent implicit business practices the Branch Manager of local XXXX, Texas XXXX XXXX XXXX XXXX branch, attempted to use cross-selling scandal techniques after Wells Fargo is actively paying fines for this practice. XXXX XXXX along with resolution specialist apologized for the occurance but indicated the branch would not offer monetary compensation for punitive damages for loss of earning capacity.

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 2020-05-05 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: IN

Complaint narrative:
Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.

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 2020-05-05 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: TX

Complaint narrative:
I reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information merged with a former roomate. Although at a time we had the same mailing address, I NEVER WAS THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: TX

Complaint narrative:
I reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information merged with a former roomate. Although at a time we had the same mailing address, I NEVER WAS THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :

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 2020-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern, I have a Macy 's Credit Card that was current and paid in full and in good standing. In XXXX and XXXX of 2017 I missed two consecutive payments to my Macy 's Credit Card. I made my payment in full, and to my understanding when I made my full payment, Macy 's charged me prorated interests after my payment was made. So my two consecutive late payments where due to interest that was left over in the account. I was unaware of this, but when I became unaware, I quickly brought my account current.

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 2020-05-05 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: Colony Brands, Inc.
State: SC

Complaint narrative:
XXXX Opened XX/XX/XXXX Updated XX/XX/XXXX XXXX XXXX  Opened XX/XX/XXXX Updated XX/XX/XXXX I have tried to contact both of these companies in reference to fraud. I have never opened or used either of these accounts. When speaking with Customer Service, she updated my personal information that I used to verify who I was. The crediting report agencies will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I had leased a XXXX  XXXX XXXX from Toyota Financial which ended up in a total loss and was paid off by my insurance. Toyota financial keeps reporting a balance owed of {$8600.00}. I notified them through phone and writing. It has been 2 months and they will not update my balance to {$0.00} even though they are verbally confirming the balance owed is {$0.00}. This is taking a negative effect on my credit score.  Please update all credit bureaus balance to {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: IN

Complaint narrative:
Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.

Company response to consumer: Closed with explanation