vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Mrs. XXXX XXXX steel the information of my 3 credit cards, XXXX XXXX XXXX XXXX  XXXX XXXX, and Citi XXXX she used them for 4 years paying her personal accounts and services, and changed my address, phone number in them used the XXXX XXXX for an amount of XXXX the XXXX  XXXX XXXX for an Amount of XXXX and the Citi XXXX  for almost XXXX I put an Identity Theft Report with the Federal Trade Commision and send letters to all the credit cards and also attached the identity theft report and the detail of the transactions made. I had my credit cards paperless so I don't realize this until I try to made a transaction on XXXX XXXX and my credit card was denied then I begin to investigate discover that I don't have credit available and request to the credit cards my statements in paper to know that happen. This begin in XXXX and she was doing monthly payments from this checking account for the minimum amount in each credit card and use her phone number to do it so I don't have a way to realize what's going on. Now they are under investigation for almost 3 months and request a Police Report the problem is that I live in XXXX and the police don't want to take the report because the merchants are in other cities and told me that have to travel to each city to put a report on them something that is impossible. In the meantime I don't have an alternative of what to do in reference to them because they denied 2 times my dispute and reopen the case again because they are not doing an investigation like should be done. What Can I do?? How you can help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Transunion directly via telephone to file a dispute. They stated I need to mail in the documents I had for the dispute along with a cover letter with a report number. I did this the same day via priority mail with my local post office. They received everything on XX/XX/XXXX. 

Today, XX/XX/XXXX, I received a post card from Transunion stating they had added a fraud alert to my account as requested. The post card shows an issued date of XX/XX/XXXX. I immediately contacted them via telephone and spoke to a supervisor after another representative could not verify my identity. The supervisor asked the same questions that the previous person asked me. One of the questions was about an account that was opened in XXXX of XXXX and what the credit limit was. Since I opened multiple accounts in XXXX around that time, I stated I could not accurately answer that. The supervisor stated they could not do anything about the fraud alert on my credit report because he could not verify me because of that one question. 

I then questioned him on how Transunion can even add a fraud alert to my credit report without my authorization and he could not answer. I informed him that I never requested it in the first place and never authorized Transunion to add the fraud alert and that his company commited fraud. 

I then went on to question him on how he could verify me by my social security number to pull up my credit report along with my middle name and suffix, but couldn't do the same to remove the fraud alert that Transunion fraudulantly added to my credit report. Of course, he could not answer the question.

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 2020-10-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
ATTENTION TO CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ). I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire XXXX SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2020 I made a purchase on XXXX for {$71.00}. 

On XX/XX/XXXX I received an email stating the the package was delivered. It was not. 

I contacted XX/XX/XXXXonXX/XX/XXXX requesting a return/refund. 

The vendor refused saying that the package was delivered. 

I received an email from the the ebay vendor, XXXX, on XX/XX/XXXX @ XXXX that said, " Tracking shows that the package was delivered to you ''. 

On or about XX/XX/XXXX I filed a missing package claim with the USPS XXXX Service request # XXXX. I received an email from the USPS on XX/XX/XXXX @ XXXX acknowledging my inquire and that they would review and investigate the information I had provided. 

After not hearing anything from the USPS and not being able to contact anyone I filed another missing package report on XX/XX/2020 report. Service request # XXXX. 

On or about XX/XX/2020 I filed a dispute with USAA about the charge telling them I had not received the package. 

USAA denied my claim and rebilled me on XX/XX/XXXX. 

I contacted them on XX/XX/XXXX and was told that it was my problem with the USPS and that my claim will be denied. 

I was contacted by the USPS on XX/XX/XXXX via phone call and was advised the package was sent to the wrong USPS facility As I am not the one who chose how to ship the item, the vendor did. 

I contacted the USPS again today Today, XX/XX/XXXX, I contacted the USPS and they informed me that the package was delivered to XXXX XXXX  XXXX XXXX, XXXX '. My address is XXXX XXXX XXXX XXXX XXXX XXXX '. 

A supervisor from USAA told me that there is nothing they can do because the vendor would be out the money for the item and that my only action was to file a claim with the USPS for the money I'm out. 

I want USAA to adjust my account for the {$71.00} and admit their error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I purchased a washer and dryer from XXXX XXXX XXXX which were delivered on XX/XX/XXXX. While doing so the seller referred me to Acima Credit for a " Lease '' which would be 90 days same as cash. The dryer had some unsafe modifications done by the seller by attempting to convert a newer model XXXX XXXX XXXX dryer to natural gas. Basically, the dryer never worked. Under the agreement I have with Acima, they were to repair the equipment if at any time during the agreement it was not working. I contacted Acima Credit continually since the dryer was delivered and finally on XX/XX/XXXX I requested that Acima repair the dryer under the terms of the agreement. I advised them that do to the unsafe modification made by the seller, I would not allow the seller to be the company sent to repair the dryer. Acima explained that they didn't have anyone else to repair the dryer. Instead, Acima offered a settlement for a reduced amount equal to six payments of {$110.00}. 

I have made every payment on-time. In fact, I made 1 payment earlier than scheduled to put myself ahead of schedule. The settlement agreement was initiated by Acima due to their inability to perform their obligations under the lease agreement.

Acima sent me an email with a payment schedule, but they have never provided me with a copy of the " Settlement Agreement ''. I asked specifically if this settlement would impact my credit and the representative advised me to contact the Credit Bureaus. 
That doesn't make any sense. They have an obligation under the Fair Credit Reporting Act to advise me if this agreement would negatively impact my credit. 

Acima has falsely reported me as making 1 late payment in XXXX to the credit bureaus as well as the account being closed and settled for an amount which is less than what I owed, which is being viewed by the credit bureaus as negative reporting against me. 

I sent Acima a letter on XX/XX/XXXX and attempted to contact them through their chat feature today XX/XX/XXXX. I was advised that their resolutions dept. only accepts phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
ATTENTION TO SANTANDER CONSUMER USA. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently submitted a previous report in which was disregarded and was not resolved. I submitted all needed documentation along with my personal information. I am asking this account be removed this account from my file as the amount of {$26000.00}. as Well as another account under the same name SANTANDER CONSUMER USA being reported as the amount of {$9600.00} does not belong to me. BOTH accounts were fraudulently opened through this company CREDIT SANTANDER CONSUMER  USA as someone stole my identity in XXXX of XXXX and XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire BOTH ACCOUNTS. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter as this is causing major issues yo my personal file and great financial troubles during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I was approved for a Covid deferment XX/XX/2020 that defered my payments until XX/XX/2020. Lexus Financial made an error and reported the account late for two payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Called my bank on XX/XX/2020 about unathorized transactions.

They gave me a credit the following day.

Total amount was {$5700.00} They also provided me with a new debit card.

After that date i had no more unathorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
1 ) Capital One charged me a {$15.00} late fee on XX/XX/XXXX and a {$15.00} late fee on XX/XX/XXXX. Capital One failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$54.00} for the late fees AND credit me for any interest accrued due to those late fees.

Please note, I did not sign up for paperless statements for those  billing periods. On XX/XX/XXXX I mailed a letter to Capital One formally requesting that they stop paperless billing and that they mail me my billing statements. I am attaching this letter to the complaint. If Capital One disagrees with my complaint, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with
USPS, XXXX, XXXX, or a certified mail receipt. 2 ) In addition to this, I obtained refunds from several
companies for returning merchandise. {$29.00} refund on XX/XX/XXXX, {$380.00} refund on XX/XX/XXXX, {$29.00} refund on XX/XX/XXXX, {$480.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$270.00} refund on XX/XX/XXXX, and a {$180.00} refund on XX/XX/XXXX. Normally if I were to dispute the charges and the merchant refunds the transactions, XXXX XXXX would remove the interest charges associated with those transactions. Because I was working with the merchants to resolve my issues, XXXX XXXX would not accept a dispute as they request that the credit card holder attempt to work the issue out with the merchant before disputing the transaction.

Please provide a credit for the interest charges associated with these charges that were refunded.

Please note, I am requesting a refund for the late fees, interest charges associated with those late fees, and interest charges associated with the charges/transactions that were refunded by the merchants. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have been trying to get this bank removed from all 3 credit buraures for years. my identity was stolen when i was a freshmen in college and the person that had stolen identity attend to apply for various cards, banks, loans and more. i have multiple inquiries that is on my credit as well accounts i never apply for.

I really needs someone to help me regarding my credit as well these accounts thats kon my credit to be removed. if someone can please reach out to me to help resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have been trying to get this bank removed from all 3 credit buraures for years. my identity was stolen when i was a freshmen in college and the person that had stolen identity attend to apply for various cards, banks, loans and more. i have multiple inquiries that is on my credit as well accounts i never apply for.

I really needs someone to help me regarding my credit as well these accounts thats kon my credit to be removed. if someone can please reach out to me to help resolve this situation.

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 2020-10-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ).

I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to me (
XXXX  ) and that was denied because I do not reside there. I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to  get this resolved since XX/XX/XXXX. 
The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2020-10-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ).

I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to me ( XXXX  ) and that was denied because I do not reside there.

I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to get this resolved since XX/XX/XXXX. 
The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The card rejects all the purchases on my Mastercard and XXXX card issues by BOA. I have contacted them 3 times but they refuse to discuss it unless I confirm the text message sent to me. I DON '' T HAVE TEXTING SERVICES.

It looks like an unprofessional supervisor initiated these limitations knowing that I don't receive text messages.

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