vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-11 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The details of my AMEX gift card no. XXXX XXXX XXXX was stolen on XX/XX/2020. I have known this when I checked the balance with AMEX on XX/XX/2020. The AMEX representative ( the name is XXXX ) who responded to my call ( at tel. XXXX ) told me that there was a transaction posted on the same date, with Transaction no. XXXX charging my card the amount of {$350.00}. I immediately told XXXX, the AMEX representative that time, to deactivate the said card. He told me he deactivated the card on that date and he will process a replacement card ( I received the replacement card within 5 days after our phone talk ). He told me to contact the merchant, XXXX XXXX to alert them of this unauthorized transaction. Which I did on the same date. This merchant has no phone contact no. in their website and so I sent a message as shown in e-mail message no. 1 attached in this complaint. I received a response email from XXXX dated XX/XX/2020 as shown in the attached e-mail message no. 2. I responded to this e-mail as shown in the attached e-mail message no. 3. The merchant responded on XX/XX/2020 as shown in the attached e-mail message no.4. 

I kept on calling AMEX to follow-up on the refund, but they kept on insisting that they can not process the refund because the merchant already charged the card. So based on the exchanges on the status of the refund I have been requesting since XX/XX/2020, in spite of my alerting AMEX and XXXX on the same day, the transaction was made, it seems that nobody, from AMEX and the merchant, XXXX would like to be fixing the refund. 

That is why I am filing this complaint to report on how I was being made a victim of deception of both AMEX ( the card issuer ), and XXXX XXXX the merchant ) in this fraudulent transaction made by an unknown thief. 

It must be noted that right from the very beginning, that is on XX/XX/2020 I already alerted AMEX about what happened. In fact, the AMEX representative told me that he already deactivated the card on the same day. I just wonder why the charges made by XXXX still pushed through. AMEX kept on insisting that they can not dispute charges already made in the card. And I have been asking them why they still allowed to charge my card which is supposed to be deactivated on the same day? Now, I feel AMEX should be responsible on the refund. Otherwise, the fraudulent schemes of people like the scammers, the merchants, and the card issuer will continue to victimize clueless individuals in the marketplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX i made a XXXX payment to my Citibank XXXX XXXX XXXX card, which i was making an early payment. I called over the phone with my debit card from XXXX  XXXX XXXX clerk indicated payment had gone through and they indicated that that form of payment is instant. Later the next day i didnt see it removed from my account i then made another payment of XXXX. In XXXX i received notice that my account was being closed because i had a return payment that of the XXXX. I called Citi bank and they said they couldnt do anything since they said my payment was returned. They advised to send a letter with proof to Citigroup office of the president XXXX  XXXX XXXX XXXX, Sd XXXX. I did send a letter and documents showing that my bank account had those funds. I waited a month and called back and they said they never received it. I sent it back again by their instructions. By then it was already XXXX and there response was that they couldnt do anything because time had already passed for me to reopen an account. I then further spoke to XXXX at that office of the president and advised her that my bank there was never an intente of taking that XXXX out of my account so in this case it was Citi banks issue that no money was sent when money was available on my account. It took a while to keep communicating with her and came XXXX and no word from her then finally i called her back and she advised that they couldnt open it and that i would have to apply. In this case they left me with a XXXX dollar closed account were its impossible for me to reopen an account with them. All i want is for that account to be reopen or transferred to a new one. That issue wasnt my fault and since i open that account on XX/XX/XXXX i had only 5 months since it being open. Not fare for a company to give you a credit and then close your account since all my payments had been on time.

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 2020-04-11 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I explained to a representative that worked for the lender, and they refused to accept my income from part-time work and discriminated against my marital status by refusing to accept my spouse 's income for consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB MANAGEMENT has placed negative information in my credit file, WITHOUT notifying me first, as per the FCR Act. I would have then told them, as i have written, them and the bureaus, this is not my debt, I have no relations with XXXX, and have never benefitted from such. A company is a " dead '' entity, and only exists because we the people created the State/Government, then gives this " dead entity '', limited powers. When does these powers include, now telling me who i am, or what i did, or am doing, XXXX, thus runs the show. 
The law does not presume an agency relationship exits just because an alleged agent says so, Armato v. Baden Restaurants, 71 cal. App. 4th 885, 84 Cal. Rptr. 2d 294 ( 1999 ).

a claimed existence existence of an agency relationship forces a fact intensive inquiry. See, e.g. C.A.R. Trans. Brokerage v. Darden Restaurants., 213 F. 3d474 ( 9th Cir. 2000 ).

NCB MANAGEMENT flaunts all DUE PROCESS LAWS, by placing this negative information in my file, without proving anything, that it is me, and/or i am the one responsible, only creating ultra vires acts, interefering in my Constitutional right to contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
FRANKLIN COLLECTIONS ' SV HAS VIOLATED MY RIGHTS AS A CONSUMER DEBT NOT MIND SENT A LETTER 'CERTIFIED MAIL, REQUEST VERIFICATION VALIDATION, LETTER DATED XX/XX/2020 SIGN CONTRACT STATEMENTS FRANKLIN COLLECTION 'SV NEVER COMPLIED WITH LETTER AND STATED THEY DO NOT HAVE THE ORIGINAL CONTRACT AND SIGNATURE VIOLATED MY CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I have a car loan with Ally Finacial and the total amounts on my credit report dont match. My loan is paid down to XXXX.. Just recently my insurance company paid {$12000.00}. That amount was paid on XX/XX/2020. Ally financial is the worst company to have a loan with. Getting anything done with them takes months. I had tried for several months to give then my insurance auto theft information and every time I called they took the info and everytime I called back they had no history of any information given to them.

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 2020-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have contacted Capital 1 Bank as well as XXXX  on XX/XX/XXXX and on several different other occasion, after they did not respond to me in writing, to notify them of the inaccuracies on my credit report for my Capital 1 Bank card that was opened on XX/XX/XXXX. They are incorrectly reporting the minimum payment amount due as {$53.00} and the balance used as {$1200.00}. Please note the minimum payment amount is {$25.00} and the balance is {$0.00}, as this card was paid off. Please update!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
When attempting to get an Experian credit report from XXXX, which is required to work by law, I get the following message : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX  Request form. 

XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA 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 2020-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2020, my wife and I opened a business account with Navy Federal Credit Union. At that time we where told that we could apply for an SBA Paycheck Protection Program for Covid-19. We just received a message from the bank that we don't qualify for this loan since we did not have an account with them before XX/XX/2020. This was very misleading on behalf of Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Since the dawn of ages I have had issues with PayPal. I have had multiple issues within months of each other, last one them holding over 5,000 $ in my account not letting me spend a dollar until they deemed me eligible even though I had verified myself and done all necessary steps into lifting the limitation off of my account. Had to call my lawyer to resolve and they finally did. 
I rarely use them but Im having issues with my new bank account where they let me somehow overdraft XXXX . 
I am using PayPal again, receiving payments, borrowing what I can when I can from friends and family during this hard time in the world, and I usually transfer the funds out onto XXXX, my other Prepaid banking card as I never have issues with them. 

Well its been going on 48 hours of my money being on lockdown from PayPal and I have tried messaging them and I can not get through to one person at all. I dont know what I need to do but I dont have any money and its all in PayPal. I want to withdraw my funds and close the account down as I am done with them but they wont even let me close the account. 

I need help as soon as possible as we have no food and nothing to get by on until this is over and I get back to work!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
DATES- XX/XX/XXXX {$350.00} So basically what happened my friend sent XXXX dollars to me through his cash app and i received XXXX, i bought stocks worth of XXXX dollars and XXXX dollars got vanished from cash app and i have evidence in form of XXXX file and transaction history too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have 6 hard inquiries on my Equifax credit file that I know I didn't authorize these 6 companies to run my credit not did I consent or sign any documents to run my personal information. I filed a dispute complaint with Equifax about unknown 6 hard inquires and this company has failed to perform its duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I completed the first 2 steps in receiving my annual credit report ; electing initially XXXX and then thru a separate session Equifax. 

Both times during step 3 it asked me to answer questions regarding my information for further verification. Both requests said they were unable to provide me a copy via online. 

In each instance, 1 or 2 of the questions made no sense or did not represent any information I was familiar with. Why? 

I submitted an online dispute with XXXX ; I noticed a phone number they had was not correct. I also tried to call Equifax answering an automated questionnaire only to be hung up on because is was after hours. 

This who process is cumbersome and the customer service a joke. The fact I have to reach out to ensure these companies are not improperly granting or reporting my credit is wrong. 

I do not want to fill out a pdf with PII ( name, ssn, dob, etc, ) and send via postal service to Equifax. I expect someone to call me or resolve this online and quickly. Totally disappointing. 

Let me get this straight, So if incorrect information is entered regarding my credit by one of these companies, but I am unaware and can not answer this incorrect data, I am the one burdened to fix this? This is wrong. 

Need to drain this cesspool.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2019 someone used my debit card and said that a certain number of money was missing from the account and Bank of America placed a temporary credit on the account and the scammers removed it and before the dispute can be found. My email and my account was comprised.

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 2020-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
My credit score dropped last night dramatically. After securing my credit report, I noticed a charge from Midwest Recovery Systems from XX/XX/XXXX. It says I opened an account and the amount is {$500.00} as of XX/XX/XXXX. I never opened any account with anyone in XXXX of last year. I never received any notice regarding this matter from this company by mail or otherwise. I contacted them to remove it as it is not my debt or it is fraud. I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PORTFOLIO RECOVERY ASSOC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Devor Mortgage Investment Corp, DBA Quality Home Mortgage
State: KY

Complaint narrative:
My wife and I began the home buying process late XX/XX/XXXX. It is now mid XX/XX/XXXX and we barely just got an appraiseXXXX out to our house a month ago. ( Which was 7 months into this ). We can never get a hold of the mortgage company XXXX XXXX XXXX XXXX  in XXXX, KY XXXX she ( XXXX ) never calls us back she never has definite answers for us as to whats taking so long. We have paid all the fees. we have provided all the documents that weve been asked for and we cant get any further in the home purchasing process. We have called her 3 times a week with no returned call or answers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: MO

Complaint narrative:
I have been a victim of identity fraud and I'm demanding that the 3 major credit reporting agencies remove the following accounts inwhich I did not authorize both individual and authorized user accounts. In the past i have requested a Method of Verification, physical documentation of the alleged accounts. I'm re requesting that same information, if not then the following accounts shall be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX  XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX 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