vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I reported unauthorized charges of {$470.00} No Ajustment Purchases/Temporary Credits ever applied No Permanet Credits from USAA ( see XX/XX/XXXX statement ) ARE THESE FALSE STATEMENTS? OR IS LETTER OF XX/XX/XXXX FALSE STATEMENTS ( * BOTH CAN NOT BE CORRECT ) Other Credits were from merchants for {$340.00} XX/XX/XXXX Returned Items refunded by merchants days after purchase was made These appear a new charge. a second time XX/XX/XXXX I reported the XXXX new purchase charges XX/XX/XXXX unauthorized There are NO USAA {$470.00} CREDITS in XX/XX/XXXX ( see statement ) or any months following Kindly Note the XX/XX/XXXX Credit Card Fraud Claim date XX/XX/XXXX {$470.00} USAA says the CREDITS WERE APPLIED AT BEGINNING OF FRAUD INVESTIGATION. which is XX/XX/XXXX Why are there No USAA Adjustment Purchases/temp credits or USAA permanet Credits XX/XX/XXXX or XXXX XXXX? No Temporary ones or permanet XXXX, XXXX none yet XX/XX/XXXX I reported unauthorized charges XX/XX/XXXX of {$810.00} ALL XX/XX/XXXX CHARGES APPEARRED FOR THE SECOND TIME even returned items Kindly Note Fraud Reported XX/XX/XXXX NO RESOLVE. ( USAA letter dated XX/XX/XXXX TOOK 2 years TO INVESTIGATE FRAUD and Investigation not in my favor. XX/XX/XXXX all fraud charges are credit reversals when no credit given WHY DID IT TAKE USAA A YEAR TO BE AWARE OF FRAUD? WHY HAS IT NOT BEEN RESOLVED YET? after 2 years why put back on card as new purchases Please explain in detail paperwork How USAA temporary vs permanet credits policy works on statements HOW IS MEMBER ABLE TO VIEW ( ON STATEMENTS ) what temporary credits have been made permanet Please also explain ADJUSTMENT PURCHASES when do they actually apply to my account to be able to decide there are in fact TWO CREDITS APPLIED TO BALANCE to allow all the credit reversals. If temporary credits do not apply then THERE WERE NO TWO CREDITS ONLY ONE CREDIT PER PURCHASE XX/XX/XXXX There are {$2600.00} Other Credits ONLY {$910.00} APPLIED STATEMENT XX/XX/XXXX STATES TOTAL CREDITS APPLIED {$910.00} USAA EXPECTS ME TO BELIEVE ALL {$2.00}, XXXX CREDITS APPLIED AGAINST BALANCE I SAY SHOW ME MATHMATICALLY WHEN EACH WAS APPLIED OFF MY BALANCE ALL OF THE USAA CREDITS TURN INTO NEW CHARGES THE ( VERY SAME DAY OF CREDIT ) YOU CAN NOT TAKE BACK WHAT WAS NOT APPILED GIVEN OFF BALANCE OR IS STATEMENT XX/XX/XXXX FALSE IN SAYING TOTAL CREDITS THIS PERIOD {$910.00} DOES TOTAL MEAN TOTAL? Or What?????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Collection Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/2019 Amount : {$330.00} I got a response from the credit bureaus specifically XXXX saying that the disputed account has been deleted. I have checked in the credit monitoring that I'm paying for and the account is still there. It is not deleted. This is my fifth time disputing this account with them and I keep getting these inaccurate, unfair responses. This account is not accurate because I had insurance. This was billed in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as  possible and confirmed to be correct. Thanks!

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 2020-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filled a complaint with you all and Equifax, about not being able for companies to pull my Equifax Credit file. I was told to have the businesses to call the Equifax Business Services for them to Work on the problem. This is the response I received back from the businesses about the Equifax Business solutions about why they can't view my file. It needed to be compressed and they told the companies my file credit file is too large. 

Here is Equifax response : COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items. This process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. Once we receive all of the responses, we will send you a copy of the results and a revised copy of your Equifax credit report. 

In my original complaint I said nothing about INACCURATE or INACCURACIES on my credit report. I SAID FOR THEM TO FIX MY EQUIFAX REPORT WHERE I AND COMPANIES CAN BE ABLE TO PULL IT WHICH MEANS COMPRESSING THE FILE!! I AM NOT SATISFIED WITH THEIR PAST LYING RESPONSE AND IF ANYONE CAN READ YOU CAN SEE WHAT I ASKED FOR. I ASKED FOR THEM TO FIX MY CREDIT REPORT WHICH MEANS COMPRESSING IT BECAUSE THEY TOLD THE COMPANY THE MESSAGE THEY WHERE GETTING MEANS MY FILE IS TOO LARGE AND NEEDS TO BE COMPRESSED SMALLER!!!! STOP WITH THE STALL TASTICS? PLEASE GET THIS MATTER RESOLVED IT'S BEEN LONG ENOUGH AND I HAVE CALLED THEM OVER 20 TIMES ABOUT THIS, AND THEY LEAVE ME ON THE PHONE AND HAVE NO EARTHLY IDEA OF WHAT I NEED DONE!!! I'M TIRED AND WANT TO PULL MY CREDIT REPORT!! EQUIFAX IS A JOKE AND NO ONE UNDERSTANDS MY PURE ENGLISH TALKING AND IT IS VERY FRUSTRATING!! PLEASE HELP ME GET THIS RESOLVED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Collection Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/2019 Amount : {$330.00} I got a response from the credit bureaus specifically TransUnion saying that the disputed account has been deleted. I have checked in the credit monitoring that I'm paying for and the account is still there. It is not deleted. This is my fifth time disputing this account with them and I keep getting these inaccurate, unfair responses. This account is not accurate because I had insurance. This was billed in error.

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 2020-01-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Collection Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/2019 Amount : {$330.00} I got a response from the credit bureaus specifically XXXX  saying that the disputed account has been deleted. I have checked in the credit monitoring that I'm paying for and the account is still there. It is not deleted. This is my fifth time disputing this account with them and I keep getting these inaccurate, unfair responses. This account is not accurate because I had insurance. This was billed in error.

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 2020-01-28 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Oportun has failed to provide how they verified inaccurate information on my credit profile. They have ignored my request to delete the negative reporting for they failure of reporting this information. FCRA, requires them to report only 100 % accurate and complete information. I am filing this again with the CFPB for the continuation of breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
on XX/XX/2019 a transaction on my debit card was disputed due to fraud. Bank of America initially credited my account but now is reversing the credited amount in dispute. I did not authorize the original transaction nor do I know who is using my identity and personal information to make purchases. Seeking assistance. 

Claim ID # XXXX Amount {$1400.00}

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 monetary relief
Consumer complaint received 2020-01-28 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: TX

Complaint narrative:
I submitted a credit validation letters to TransUnion and XXXX  to validate accounts I was not aware of. I sent one letter in XXXX and received a response via mail stating the information was verified as accurate therefore ; I sent a follow up letter in XXXX in response to the first letter requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Once again I received another response dated XX/XX/XXXX stating this information was verified as accurate and not providing the information requested as asked. Under the FCRA 611 ( 15 U.S.C. 1681I ) this information must be documented and accurately verified or deleted within 30 days however, the 30 days as passed. 

I am disappointed that TransUnion and XXXX  has failed to maintain reasonable procedures to assure complete accuracy in the information they publish, and insist this company comply with the law by removing these unverified accounts from my credit report within the 15 days. Thanks! 

Unverified Accounts on TransUnion XX/XX/XXXX Acct # XXXX XXXX XX/XX/XXXX Acct # XXXX XXXX XXXX  XX/XX/XXXX Acct # XXXX XXXX  Unverified Accounts on XXXX  XX/XX/XXXX Acct # XXXX XXXX  XX/XX/XXXX Acct # 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 2020-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My name is XXXX XXXX, approximately two months ago my checking account at XXXX  XXXX XXXX  was hacked. Since that time we, ( the Bank and I ) have been trying to close the account. Because the hacking left the account in an overdraft I was unable to close the account until I had the funds to bring the balance back to XXXX. I reached out to all the vendors with a direct debit to that account to use a different account which I had set up. The account number in question is XXXX. The bank requires as you know the account have no transactions within 5 days and no overdraft balance in order to close the account officially. The only vendor that has continually hit that account, after several attempts to give them another option is PayPal. I have copies of a written transcript concerning resolving the issue and specifically asked them to use the new account. They assured me that the would close that account on their system. I checked my account this morning and PayPal have hit the old account again causing a overdraft fee against my specific requirements. I will attach a copy of the transcript. This is the third time this has happened and the bank was kind enough to waive the overdraft fee as i showed them the transcript from PayPal. PayPal agreed to send me a letter that they had closed the account from their records which they also failed to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Conn's, Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2020-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marlette Funding, LLC
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation