vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2019 XX/XX/2019 XX/XX/2019 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 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
Sequium Asset Solutions , LLC on behalf of XXXX XXXX XXXX ( XXXX XXXX  XXXX, XXXX XXXX. {$3000.00}. Notice Of Judgement Collection. I contacted an Attorney and Submitting A Letter Of No Responsibility for Debt due to Identity Theft Or Fraud ( XXXX XXXX XXXX XXXX. - Acct. # xxxxxxxxxxXXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I made a purchase with Children 's Place in the amount of {$170.00}. Over the next few months, I was charged over {$180.00} in late fees in addition to this amount. Even though I was paying through my bank monthly, my payments were barely covering the late charges every month, and my balance never changed. I called to complain and even after that, I continued to receive late charges. In the end, I paid what I thought was a final {$11.00} and was charged an additional {$57.00} in fees. Below is a timeline of these fees. 

Late Fee on XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$30.00}. 
Late Fee XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$35.00} Late Fee on XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$30.00} Late Fee on XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$30.00} Late Fee on XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$40.00} Late Fee on XX/XX/XXXX for {$11.00} Paid the late fee on XX/XX/XXXX for {$11.00} - all my statement showed online. I had gotten no statement! 
Late Fee on XX/XX/XXXX for {$13.00} - again no statement XX/XX/XXXX another late fee for {$27.00} - no statement or knowledge Threatened for {$57.00} - no knowledge or bill! I did not know this was there. Paid in full. Reported to the credit bureau. 

I have not gotten a statement in months! 

I have not gotten a statement since XXXX of this year. So, I had just set up an automatic bill payment through my bank two weeks before the due date to ensure I received no more late fees. I did this for three months out to try and pay the balance off. But the bills stopped coming. But then suddenly out of nowhere, I started to get threatening phone calls over one weekend with no warning. No messages left. Just a text message finally this past Sunday to say that I had a bill due and that they could not get in touch with me. I didn't know that I still had a balance. 

This company lives off of interest and late fees. I can not believe that I ever did business with them. I will never shop at a Children 's Place ever because of how much they milked out of me. I tried to talk to them about it, but they would not work with me. I explained that I had a bill pay set up to automatically pay them based on my statements. I don't know why it took so long to process. But, I pay all of my bills through this same bill pay through my bank. NOT ONE company has done this to me except this one. My auto loan and every bill I have goes through this same system with not one problem. I have closed my account, but I feel like I should be refunded for some of these late fees. Especially the last ones. Where did the random {$11.00} and {$13.00} come from? The late fees were always {$27.00}. And those are odd numbers. And where did that {$57.00} bill come from? The numbers don't add up!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: MI

Complaint narrative:
Over the summer in 2019, I had two charges come through my CashApp account fraudulently. When I noticed these charges had come through on my account, draining my CashApp account and drawing funds from my Banking Debit Card as a funding source. I contacted CashApp support and told them about the fraud transactions.

They replied and told me that there was nothing they could do to recover the funds or fix the situation because the " recipient had already claimed the funds and loaded them into their personal account. '' I was then instructed to contact my banking financial institution if I wanted to pursue the recovery of these funds.

I confirmed with them that the charges WERE FRAUD, and CashApp said they were going to note it into my account. 

On XX/XX/XXXX, I recovered the funds back to my banking account and everything was fine, However, on XX/XX/XXXX, I noticed my CashApp account had been banned and closed. I have yet to received ANY notice about this from CashApp as to WHY my account has been closed. They are currently withholding funds from me in my Bitcoin account, and refused to reply to any support questions on their direct channels via Email,  XXXX, or XXXX, as they claim they do not have a phone number. 

As of XXXX on XX/XX/2019, They have disabled my ability to create a support ticket via the app, which is their only OFFICIAL way of contacting support, and they have blocked/muted me on XXXX and XXXX, refusing to speak with me about this issue or provide additional details, even when I have the copies of the emails that was discussed prior, identifying the transactions as fraudulent. 

I have also been blocked from creating any new account as well to speak about this issue OR request a new account. They are completely barring me from communicating legitimately about their service and this case of Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX , XXXX on behalf of XXXX XXXX XXXX ( Hsbc Bank Nevada, N. A.  {$3000.00}. Notice Of Judgement Collection. I contacted an Attorney and Submitting A Letter Of No Responsibility for Debt due to Identity Theft Or Fraud ( HSBC Bank Nevada N.A.  - Acct. # xxxxxxxxxxXXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc.
State: IN

Complaint narrative:
As of XX/XX/2019 there is a collections account from your company showing on my XXXX and XXXX reports for {$6000.00} with XX/XX/2019 as the date opened. I am writing to demand that you delete any and all collection accounts associated with this account and remove this account from all credit reporting bureaus, as you have violated my rights under the Fair Debt Collection Practices Act. 
First, I have never owed XXXX any money, and I have received no mail from them requesting money from me. On your companies end, I have received no notice from you regarding the debt this is a violation of FDCP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: California Accounts Service
State: CA

Complaint narrative:
This collection company is collecting against me while the debt is not mine. The debt belongs to my adult son. I have explained this to the XXXX XXXX XXXX XXXX XXXX- original debtor and California Account Services XXXX who is currently posted it against my credit report as an active collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: AL

Complaint narrative:
I disputed some unauthorized past the statue of limitation inquiries and they are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
On XX/XX/19, I called XXXX XXXX to find out what date I was paid through. I was told I was paid to XX/XX/19 and I requested to cancel service on XX/XX/19. I was told service will be canceled and to ship the equipment to avoid charges. At midnight XX/XX/19 my service was not connected in the house. On XX/XX/19 I received a text from XXXX indicating boxes to return my equipment was shipped. A few days later I received a XXXX bill to cover for service in XX/XX/XXXX {$180.00}. I did not pay it because I canceled service and did not have it. On XX/XX/19 I called to ask specifically which equipment to ship back to avoid charges. I was told service was off as of XX/XX/19 and to ship only the TV cable box and remote. On XX/XX/19 I received a text from XXXX confirming the shipment was received. A couple of weeks later, early XX/XX/XXXX I received a letter from Eastern Account System of CT to collect a debt for XXXX  for {$180.00}. In that letter it states to call within 30 days to pay or dispute the charges. On XX/XX/19 ( well within 30 days ) I called to dispute the charges. The male phone representative said he will submit the dispute. On XX/XX/XXXX I receive a letter dated XX/XX/19 stating I did not respond so they assume the debt is valid and reported to the credit bureau. I have NEVER had a derogatory against my credit and now my credit score dropped over 60 points!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: NV

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: AL

Complaint narrative:
I disputed some unauthorized and past the statue of limitation inquiries and they are still on my credit report.

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 2019-10-29 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** DP OF EDUC XXXX****, DP OF EDUC XXXX****, DP OF EDUC XXXX**** and ( Original Creditor : XXXX XXXX ) XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
In XX/XX/2019, I applied for toyota mobility refund for almost XXXX. I was supposed to have check by mid XX/XX/XXXX. I asked for XXXX payment to be deferred until I got check. Check never come. I called toyota XX/XX/XXXX and they told me they lost my paperwork and had me reapply. I did that XX/XX/XXXX. On XX/XX/XXXX, they sent me a case number. I then asked for XX/XX/XXXX to be deferred as I was still waiting for check. In meantime, toyota calls me 10 to 15 times a day harassing me for lease money and is ignorant when i call to find out about check. Today i get letter stating they are going to repossess my vehicle so my nephew calls and gives them debit card to cover XX/XX/XXXX payment. Instead of toyota using money for XX/XX/XXXX payment, instead they use it for late fees ( which are not owed as toyota agreed to defer XX/XX/XXXX and XX/XX/XXXX ) and deferment fees ( which are not owed as toyota agreed to add onto end of lease ). Toyota commited fraud with my nephew bank account, refuses to talk to us and hung up 3 times on XX/XX/XXXX. Now, they lie and state no money taken out of nephews account which is not true as nephew got instant notifications seconds after giving toyota bank info. I have reported this to nephew bank for fraud. Now toyota continue to harass me 10 to 15 times a day for money when in reality they owe me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: HI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****,  XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX   XXXX****, XXXX XXXX****, XXXX XXXX**** and XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-10-29 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: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
Hi, I have a TD Bank visa and three months ago someone is bought online from the store XXXX XXXX for a amount of {$510.00} and they ordered three times food at the XXXX dishes. And now the TD Bank visa service disputes department they refuses to do a real investigation about this purchase. I call my self the store XXXX XXXX and I spoke to the fraud department and they have all the information about the person who is ordered women clothing and shoes and the delivery address. Im dont know what Im suppose to do, to fix this problem, I call many times TD visa and with no results, it the worst service I had ever. As soon I fixe this problem I will transfer all my funds from this XXXX TD Bank. 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XX/XX/XXXX****, XX/XX/XXXX XXXX****, XX/XX/XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX XX/XX/XXXX XXXX**** and XX/XX/XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-10-29 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: HI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX   XXXX****, XXXX XXXX XXXX  XXXX****, XXXX XXXX****,  XXXX XXXX****, The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX****,  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX**** and 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 2019-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am XXXX and unable to pay the loan. 
The loan has been charged off, but is still showing on my credit report as paid late.

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