vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-21 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: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/2021 a charge of {$990.00} was taken out of my account by a XXXX Disaster Pro This was never authorized. I called Simple bank and told them immediately it took them 10 days to send me and email saying Based on our investigation, we have concluded that no error occurred ; therefore, no funds will be credited to your account and this matter is considered closed. 
The reason ( s ) for denial : There is no evidence that an error took place. So then I called the merchant after having to look it up online because it didn't provide a phone number to my bank which the guy spoke with on the phone said that that was strange. I called XXXX disaster pros it pretty much went straight to a voicemail nobody ever answers they never call you back and then I emailed them and they said Hi XXXX, Thank you for getting in touch. 
Unfortunately, I have no way to verify if you did or did not. If you feel someone may have stolen your information then you need to file a police report and send that to us. 
Have a nice day! 
XXXX XXXX XXXX XXXX Customer Support I sent them an email back saying How can you work on somebody's loan application if you can't see who put in that loan application cuz obviously who put in the loan application is not the same person that's on the bank account cuz I know I didn't sign for anything so how am I supposed to file a police report The only name that I have is y'all 's name so do I file a police report on y'all I guess I'm going to have to if I don't get my money back. And have never gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My capital one account have been getting many charges from unknown place the past year from really weird place and over seas. I have changed my card many times Well I could not figure out how this keeps happening. This week I paid off my credit card from capital one and ordered replacement cards than come to find out they closed my account without any notification what so ever. I called and no one seems to be able to tell me exactly why it was closed. With that being said I have come to find out that my cell phone has been being mirrored / compromised not sure for how long this has been going on but from what I understand that whoever has been doing this is able to see everything I can do and are able to act as if they were on my phone. I am in the process of replacing my phone and putting alert charges on my credit. Please advise as to what I can do to help prevent this from being done any further. Thanks again XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2021 I was scammed by a fraudster to the tune of {$1900.00}. I sent money to them through XXXX XXXX/XXXX. As soon as I got off the phone I realized I had been scammed and called Chase in an attempt to try to stop the transfer or to get the money back. Chase refused to do anything, including going back to the other bank in an attempt to recover the funds. I understand that those attempts are not a guarantee, however, since the transfer had literally just gone out there would have been a chance. It was very frustrating that no one would help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused 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 explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: FL

Complaint narrative:
On Numerous occasions I have sent letters to the credit reporting agencies asking that these debts be validated and to no avail my letters were ignored and updated on my credit report! I have asked the agencies and the debt collection agencies through written communication to either validate these debts and/or remove them from my credit report and they have not responded nor have they deleted these accounts from my credit reports! and they are as follows : XXXX XXXX XXXX for {$320.00} Reporting on XXXX ACCT # XXXX Merchants and Medical for {$320.00} reporting on XXXX ACCT # XXXX Lanier Collection Agency {$280.00} reporting on XXXX ACCT # XXXX XXXX XXXX XXXX {$1400.00} reporting on XXXX and XXXX ( XXXX has deleted this account from my credit report ) ACCT # XXXX XXXX XXXX XXXX {$640.00} Reporting on all three ACCT # XXXX AFTER DOING MY DUE DILIGENCE AND RESEARCH I FOUND THAT MERCHANTS AND MEDICAL AGENCY IS NOT LICENSED IN THE STATE OF FLORIDA TO ATTEMPT TO COLLECT A DEBT FROM ME NEITHER IS THE LANIER COLLECTION AGENCY AND XXXX XXXX XXXX LISCENSE IS EXPIRED! 
NONE OF THESE AGENCIES HAVE RE4SPONDED TO ME IN THE LAWFUL TIMEFRAME AND THEY HAVE NOT SENT ANY CORRESPONDENCE TO VALIDATE THAT THESE ACCOUNTS BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I initially reached out to Preffered Collection & Management regarding a {$100.00} medical collection that is not mine and was the result of identity theft. I sent them the official FTC report verifying that my Identity had been stolen and that the debt they were attempting to collect was not mine due to this theft of my Identity. They responded by saying that I needed to submit a police report that detailed the identity theft in order to have the debt removed. I work a very busy schedule with very long hours and was unable to immediately get to the the police department to get this report. This is why I was unable to provide the report when they initially requested it. I truly dont understand why this was necessary when an FTC report was submitted. However, on XX/XX/XXXX, I filed a complaint against Preferred Collection & Management. The complaint included the police report ( that they requested in XX/XX/XXXX ) and the FTC report. As a result, the removed the debt, but it then reappeared in my credit report without any type of prior notification, which is illegal according to the FCRA. I really dont understand why this erroneous debt, that obviously is not mine, is still appearing on my credit report. I have provided all the documentation that they requested and it is still there, even after deleting and illegally re-inserting. I just want this account removed once and for all. As the victim, i should not have to jump through all these hoops and go back and forth with the company to permanently removed an account that is not mine and that I have provided legal documentation to support. I know their previous feedback stated to contact them, but, honestly, i dont understand WHY I need to contact them when they have all the I do and documentation necessary. This is a headache and is causing me XXXX and really stressing me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: MN

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter regarding Inaccurate and unknown addresses on my credit report I have not received a response yet And I do not know why. I feel that the credit bureaus ignored my letter requesting that all Inaccurate address to be taken off my credit report. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.

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 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: NY

Complaint narrative:
I stayed at a hotel and the hotel placed a hold on my account for {$100.00} for incidentals. This was two weeks ago and the hold has not been removed eventhough the hotel released the funds 12 days ago. I called KeyBank and they informed me ( for the first time ever ) that holds from a hotel are held for 45 days, even after the merchant releases the hold. I can not understand how they are legally allowed to hold my money for 45 days when the merchant released the funds in 2 days, this seems completely ridiculous and frankly immoral and unethical and there can not be any valid reason for this, especially considering this is my unemployment benefits card and I am unemployed, I need this money right now I can not have them holding it for 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services
State: TN

Complaint narrative:
On XX/XX/2020, I moved out of my apartment at XXXX XXXX, owned by XXXXXXXX XXXX XXXX. They alleged that I had caused excessive damage to the walls and carpet and that I should owe {$500.00}. They failed to provide notice of my ability to be present during the inspection and when that inspection would be able to be scheduled as outline in TN Code 66-28-301. I simply received an email with pictures allegedly taken of my apartment after inquiring about the debt. The lady I emailed said she had no pictures of the carpet so she would remove the {$200.00} posted for that and I would only owe {$300.00} for paint. First, the pictures provided appear to be of a dark coloring on the wall that could be black mold they are trying to pass onto me. Secondly, the alleged damage is a superficial discoloration of the walls. Even if this is not black mold, this is certainly not damage resulting from my neglect or abuse. The email claims for this damage to be caused by " bed head '' is from " oils off your head, sheets hitting the walls, wet hair all kinds of thing. '' The first picture shows an area right next to the floor of the unit, nowhere near where my bed was positioned in my room, so oils from my head, sheets, and wet hair couldn't have been a possibility. 

I tried explaining this to the staff and in XX/XX/2020, but they were unrelenting and have pursued a collections debt against me by BYL COLLECTION SERVICES for the fraudulent {$300.00} charge. 

I have attached the photos of the collections debt I have on my credit report, photos I received of the alleged unit claimed to be mine, and of other 's photos of black mold to show the comparison.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: GA

Complaint narrative:
Late in XXXX, I received collection calls and letters from First Credit Services , Inc. alleging that I had a past due balance of {$54.00} with XXXX XXXX I previously had paid a portion of the {$54.00} and attempted to terminate my XXXX membership via email as well as via XXXX XXXX website. In response to my efforts to cancel my membership, I received a subsequent email indicating that my membership could be terminated only by visiting the XXXX  location in person or by sending a letter via certified mail canceling my membership. Meanwhile, the email informed me that charges would continue to accrue. After receiving this latest email, I contacted XXXX XXXXXXXX directly ( the XXXX XXXX  name was XXXX XXXX on XX/XX/XXXX, to determine how to resolve the collection dispute. I was informed by XXXX that I could pay {$19.00} to resolve the outstanding balance and cancel my membership immediately. I paid that amount as well as confirmed cancellation via certified mail return receipt letter the same day ( and received confirmation of receipt by XXXX  XXXX ). Nonetheless, since midXXXX XXXX, I have repeatedly been contacted by First Credit Services , Inc. alleging that I continue to owe an outstanding balance of {$54.00} to XXXX XXXX. I have provided documentation regarding full payment to both XXXX XXXX and First Credit Services , IncXXXX, yet I continue to be contacted. I've exhausted all efforts to resolve this matter other than filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: NY

Complaint narrative:
I was a Student at XXXX XXXX. I transitioned from their FlexPath program to their Guided Path program. The Guided Path program had different financial aid requirements for the number of credits required to use financial aid. I was not informed of the 6 credit minimum to recieve financial aide. When I realized I was being billed for course instead of financial aide, I attempted to contact and resolve the issue with my academic advisor to no avail. 

I was turned into a Collection Agency, General Revenue Service. I notified them in writing of my above dispute and never heard back from General Revenue Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: CITIBANK, N.A.
State: NY

Complaint narrative:
There was an unauthorized transaction in the amount of {$2300.00} on XX/XX/2020 from company named XXXX XXXX. I have no knowledge of the transaction and did not authorize this charge. I disputed this charge with Citibank already, but they ruled in the opposing parties favor. I am 100 % sure this transaction is not mine, please assist in fixing this issue.

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 2021-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retail Merchants Associates
State: LA

Complaint narrative:
Retail Merchant association claims I owe them two separate amounts of XXXX and XXXX.I have sent certified letters requesting this creditor to validate debt. I have asked for billing and documentation with my signature and any all proof that this debt is owed to them. They have failed to do so and will not remove the debt from my credit report. Retail Merchant Association is failing to cooperate with me to validate this debt. Furthermore, this item is being reported as medical collection debt which is a HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: GA

Complaint narrative:
Received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX Name : XXXX XXXX Letter sent on the behalf of XXXX saying payment of {$42.00} was due. I have ne ver purchased anything on XXXX. And anyway, all purchases on XXXX are paid prior to receiving goods ... .. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an 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 2021-03-21 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: DISCOVER BANK
State: VA

Complaint narrative:
Unauthorized phone transfers. Unauthorized charges. I will fax supporting documents ( statements ) with checked fraudulent transactions.

Company response to consumer: Closed with explanation