vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a payment in the amount of {$980.00}, to Capital One via the XXXX XXXX XXXXXXXX XXXX online bill pay service. This amount was never reflected on my Capital One credit card statement. I contacted the XXXX XXXX XXXX about the transaction on XX/XX/XXXX and was informed by the XXXX representative that the amount was in deed paid to Capital One. I was given the ACH number and related transaction number. The XXXX XXXX XXXX representative and contacted Capital One via conference call and described the issue with one of Capital One 's supervisors ( name not remembered ). I received no further correspondence from Capital One but on XX/XX/XXXX, a refund was in the amount of {$980.00}, was posted to my XXXX XXXX XXXX account. 

Why was the money refunded and not applied to my Capital One credit card account? Interest continues to accrue. 

Then on XX/XX/XXXX, I made another payment to Capital One in the amount {$1000.00} via the XXXX XXXX XXXX XXXX online bill pay service. This amount was never reflected on my Capital One credit card statement. I contacted the XXXX XXXX XXXX about the transaction on XX/XX/XXXX and was informed by the XXXX representative that the amount was in deed paid to Capital One. I contacted Capital One and was told by a representative of management there, that the matter would be investigated. To-date I have heard nothing from Capital One and my balance with them still does not reflect the {$1000.00} payment. 

Then I noticed on my XXXX XXXX XXXX account statement that on XX/XX/XXXX, the amount of {$28.00}, was deducted from my account by Capital One. I verified with XXXX that this transaction was directly debited from my account by Capital One. This transaction has never appeared on my Capital One credit card statement. 

Then I noticed on my XXXX XXXX XXXX account statement that on XX/XX/XXXX, the amount of {$580.00}, was deducted from my account by Capital One. I verified with XXXX that this transaction was directly debited from my account by Capital One. This transaction has never appeared on my Capital One credit card statement. 

I have never given Capital One authorization to directly debit my XXXX XXXX XXXX account. How could this be done? 

It is noteworthy to inform you that I have authorized Capital One to auto debit {$40.00} each month from my account with XXXX XXXX. which they have done correctly for more than 5 years now. These payments via XXXX XXXX XXXX were extra payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Block, Inc.
State: NY

Complaint narrative:
Beginning on XX/XX/XXXX I attempted to use my cash app card at an atm. I was declined although I was able to send money to another cash app user. Every week I receive unemployment benefits Direct deposit to this cash app account this is the second week I have not received benefits. I can not enable the cash app card. I am not able to speak to anyone from cash app on this matter. It is frustrating because this is my income and I know due to the glitch in the system with the cash card not being g active this is the reason my XXXX Direct deposit isn't active. Cash app hasn't resolved this issue yet and still I haven't received my benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: FL

Complaint narrative:
fraud account 1 } XXXX XXXX  Original creditor : XXXX XXXX {$840.00} 2 } chapter XXXX bankruptcy 3 ) XXXX XXXX  XXXX XXXX {$850.00}

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 explanation
Consumer complaint received 2020-06-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late Identification already on file, no changes, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
ACCOUNT INFO REFERENCE NUMBER XXXX U.S BANKRUPTCY COURT I HAVE REACHED OUT TO TRANSUNION SEVERAL TIMES TO REMOVE THIS PUBLIC RECORD OFF MY CREDIT REPORT I HAVE ALREDY GOTEN XXXX  AND XXXX  TO RESOLVE THIS PROBLEM THIS BANKRUPTCY ON MY TRANSUNION FILE SHOULD NOT BE THERE BECAUSE I DIDNT FILE FOR BANKRUPTCY THIS IS INCORRECT INFO

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 2020-06-23 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:
XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc on all the accounts above

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a debt canceled by the creditor, I was issued a form 1099-C as verification of canceled debt. Once the debt is canceled it can no longer be reported. I supplied a letter to Equifax bureau along with with a copy of the above notice of cancelation from the creditor with all account numbers and information clearly visible. This was per my attorney 's advice and politely asked that they remove the canceled debt from my report. 
Additionally, with the information provided by my attorney, I cited in the letter legal context for why the information can no longer be displayed on my credit report. 
The Bureau responded that " Consumer 's dispute not specific. Consumer Information verified. '' Providing legal documentation, federal law title, code and subsection is " Not Specific ''? Along with the federally recognized cancelation document is " Not Specific ''?

instead the company 'updated ' information which caused my credit score to go from XXXX   to XXXX  this is illegal.

Further, I am resident of Texas and Texas law 20.06 of Title 2 Chapter 20 of the Texas Business and Commerce Code ( 2002 ), protects consumers from punishment by credit bureaus for disputes and  mandates that invalid, incorrect or misleading information promptly be removed from a residents credit report. Credit bureaus are not permitted to punish consumers when they dispute accounts on their credit profile. I have been polite, I have tried to work with the company and I only ask that they remove the canceled debt from my report. My attorney has advised me to indicate that if the CFPB is not able to assist with remediating this situation, we will pursue other avenues with the credit reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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:
XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc on all the accounts above

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 2020-06-23 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:
XXXXDispute XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXXXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX  XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc on all the accounts above

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 2020-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery has engaged in a relentless pursuit to collect a debt already settled. 
On two occasions Portfolio Recovery was notified that the credit card debt they seek to collect was settled more than three years ago. Furthermore, I am currently in good standing with that credit card company. 
Calls are at random hours and often well before XXXX XXXX. On two occasions calls were received after XXXX midnight. In these instances their number was entered on a police complaint hotline. 
Moreover, several of their numbers have been entered on the national do-not-call list. 
Apparently, this collection agency has found a way to completely ignore the do-not-call list by using other random numbers. Also, written notices, and requests to cease and desist have also been ignored. 
The ongoing abuses include : ( 1 ) failure to leave a message and causing frequent crowding of the home answering machine ; ( 2 ) quick re-calls are relayed to personal cell phone when home phone calls are blocked ; ( 3 ) overload to call blocking is created by randomly using in excess of 140 different numbers ; ( 4 ) random calls are also made via unavailable, unknown, or invalid numbers to avoid call blocking of numbers identified as Portfolio Recovery. 
A list of the random numbers used by this collection agency can also be sent at your request. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
To be clear, the options previously selected are not completely correct for my situation. I did call SageStream LLC today and XXXX was awesome! I was unaware the difference with Consumer and Credit Reports. After speaking with him, I was able to submit my request for my report online and submit my request for a security freeze there as well. I was not able to submit my permanent opt out online, as I do not have the means of doing so. 
To be fair, I did submit a dispute via CFPB to SageStream ( prior to calling ) requesting my report. 
Today I am only requesting the opt out that I upload to be placed on my file. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: AL

Complaint narrative:
I have an account with Freedom Debt as a consolation debt. I have been paying on it for years. They sent me an email telling me to increase my amount and it would be paid off sooner so I called for the payoff amount and sold my XXXX and sent the money in XXXX. I have called, emailed, and chatted with about 20 different people to find out why it has not been closed yet and they are still taking out money of my account twice monthly since I paid them the remainder of my payoff. Now I get an email after I sent them one asking why this has not been resolved after I have been told every time I get in touch with them that it would be taken care of that week! Now this email is telling me I owe them another {$260.00} dollars. Talk to them this morning and they told me it was one of my debtors asking for full payment, it is funny because this creditors did not settle and asked for full amount when they tried to settle with them but now they say the creditor was full amount, I was paying them full amount so why more money! Plus they are taking money out of my account monthly, which at first they said I would get back when closed but now they are saying it is for monthly fees, I feel I am being punished for trying to pay off early but the email they sent me back in XXXX never said anything about being punished for trying to close this matter. 
Thanks in advance for your help in this matter, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC bank wont allow me to link my account with any services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: FL

Complaint narrative:
fraud accounts that need to be removed XXXX Opened XX/XX/XXXX {$6300.00} Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Opened XX/XX/XXXX {$11000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: Synovus Bank
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: NC

Complaint narrative:
I have fraudulent accounts on my credit profile that does not belong to me when I looked at my credit they are fraudulent accounts I am writing to request and initiate a formal complaint against XXXX, TransUnion   and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
XX/XX/XXXX I XXXX XXXX are providing to you a statement of dispute. 
This is for the collection account with National Credit Systems. I received a collection notice for a prior residence at XXXX XXXX XXXX  claiming that I owed {$11000.00}. When I called the number on the collection notice at National Credit Systems I was told the debt account was no longer being handled by National Credit Systems that another party had the account. I was given another number to call. Spoke with a gentleman who could not provide solid clarification on exactly what the {$11000.00} balance was in reference to. I explained to him what happened at my last residence. Explained that I did not sign any contracts agreeing to any increases in rent, was never provided a late notice for any month prior to be moving out on XX/XX/XXXX. Was told by the leasing office just before moving that they never received rent for 11 months from the renting agency I was receiving a rental subsidy from. Yet was never provided a late notice or demand for rent any of the 11 months they claim they never received rent. Was never evicted, taken to court. I gave my 30 day notice in XXXX and still was never provided any documentation for this balance. Requested validation of debt from XXXX XXXX prior to moving was never provided to me. The collection agency had no idea specifically what the debt was from. I requested verification of a prior lease they did not have that documentation either. How can a resident reside at a property and be told 11 months later that they owe almost a years worth of rent, and never be evicted or taken to court. No judgements filed. Please remove this item due to being inaccurate and unsubstantiated. Theres no signed documents or proof of this debt. This collection is significantly impacting my financial future alongside providing a good quality of life for my XXXX child. 

Thank you for your attention to this high level of importance. 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please includeextension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX  XXXX XXXX never late XXXX XXXX XXXX never late Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

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 2020-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America did not respond to my concerns at all. Repeatedly it is lying and cheating. One time it says can not verify identity. Then, it says we are working on it. Later it comes back and says the complaint is duplicate and closes it. Without answering my concerns, Bank of America is repeatedly closing the complaint. Why is Bank of America playing this drama? 

Why did the Police repeatedly come to my home and inquire about the Bank of Americas XXXX? To this day, Bank of America did not respond to my concerns. Please do not drag this case. Please address my concerns attached or point to where you have addressed all my concerns. XXXX family needs impartial justice.

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