vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
My roommate was moving out of our apartment and I was desperate to find a new roommate. I posted many ads to XXXX and XXXX and was unable to find someone who seemed legitimate or who was willing to sign a lease. While browsing XXXX one day, I saw a post from someone stating that their friend needed a room. I contacted the person per email and we began talking. They sent me a picture of a Washington driver 's license with the name XXXX, XXXX on it, so I assumed they were a real person. They told me they were working in Mississippi doing XXXX work and were soon returning to XXXX to continue work at the XX/XX/XXXXXXXXXX/XX/XXXX which has a great XXXX program. Naturally, they seemed legitimate to me, a desperate renter. After a few more days of talking and putting them in contact with my apartment manager, they began to fill out the application, which further proved their legitimacy. They were seemingly unable to submit pay stubs ahead of time, which seemed weird but not suspicious to me. They told me over email and text that they would send me a check in the mail with money for paying XXXX 's rent, as well as additional money which would need to be transferred to the moving company/persons to assist in moving XXXX 's cars and belongings. I received the check in the mail for {$2500.00}, deposited it, and assumed everything was going well. I later followed XXXX 's instructions to send the money to the moving company 's assistant " XXXX XXXX '' over XXXX on the USAA Mobile app. I sent {$1000.00} in the first transaction on the XXXX, then {$920.00} on the XXXX, and finally a payment of {$570.00} on the XXXX. XXXX told me that they needed the additional {$600.00} for moving costs because it had somehow increased. I was suspicious and asked for proof in writing, but figured that since the check was not really MY money, no harm could be done by sending the funds ( only {$570.00} of which I was able to send - XXXX 's monthly limit is {$2500.00} ). I sent XXXX the money and XXXX replied with their thanks. Then today, the XXXX, I went to the ATM after work only to be told by the machine that I had " insufficient funds. '' I found this hard to believe because I knew I had money in there this morning. I went home, confused, and called my bank after I saw that my account was in the negative XXXX $ XXXX XXXX. I called my bank and they said that the check I had deposited from " XXXX '' was altered/deemed fictitious. Following this information, I filed a police report with the XXXX Police Department and gave them the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: EMCC Holdings, LLC
State: PA

Complaint narrative:
This account is inaccurate and l never had a contract with Equiant Financial under the 609 fair credit act. It is illegal to buy another person account and produce inaccurate information on that person credit. I requested Equiant Financial produce sign original document showing this account is owned by me and they are the original owners of the contract. I will be filling a civil Lawsuit for violation under the 609 fair credit act. This collection Agency was allowed to update inaccurate information instead of deleting false information which is a direct violation. This is also fraud and must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: CT

Complaint narrative:
Experina is reporting inaccurate information on my credit report. Its showing an account is late when the account shouldnt be late and should be paid off and closed. Theyve lowered my credit scores because of this inaccurate information

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 2020-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a phone call from Sequim Asset Solutions about a {$100.00} debt they received from XXXX XXXX XXXX XXXX for unpaid fees. I currently receive services from XXXX XXXX XXXX and pay monthly however they told me this from a previous account which was closed. The account was closed XX/XX/XXXX because billing responsibility was transferred to another account holder/ After the account closed, the old account accumulated recurring fees for a XXXX XXXX service I asked to cancel. I still made a payment in XX/XX/XXXX after learning the account was still not closed. A year and a few months later, I learned the recurring service for the XXXX XXXX was never cancelled and they sent the bill to collections ( Sequim Asset Solutions ). I was on the phone with over 10 different employees from XXXX XXXX XXXX for 9 hours just to find out that theres nothing that could be done and was left needing to pay for a bill on an account that was cancelled. I cried and have lost sleep since. This is by far the most traumatic thing that happened to me in such a challenging year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
This Company Convergent Outsourcing Inc. Claims that I owe then {$760.00} for a service from XXXX XXXX I contact XXXX and they telling me that I am not owe then any money I used to have my internet service with then but moved to XXXX XX/XX/XXXX and XXXX dont have service here so Since I dint have contrat with then I closed the account returns the equipment more than 3 years ago then Convergent Outsourcing star collection and threatening to damage my credit I have talked to many people and they never send me an ink copy of the contract they said I have fail to keep with 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 2020-11-18 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: CT

Complaint narrative:
XXXX is reporting inaccurate information on my credit report. Its showing an account is late when the account shouldnt be late and should be paid off and closed. Theyve lowered my credit scores because of this inaccurate information

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 2020-11-18 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX is reporting inaccurate information on my credit report. Its showing an account is late when the account shouldnt be late and should be paid off and closed. Theyve lowered my credit scores because of this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
This account was paid off in full but the company is still reporting inaccurate information on my credit report causing my scores to drop and making it hard for me to move on from here. I tried to work with this company but they are still affecting my life in a negative way. Covid has effected our lives and this company doesnt seem to understand this. Please have them remove all negative remarks and show this account as paid in full because it has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I was at work at XXXX XXXX XXXX XXXX, working on my laptop with my cellphone beside me. I opened my mobile app on my phone to check my account balance and then logged out. After work I noticed my phone was showing no service, after getting it back on, I started searching through and thought to check my account. I noticed that my account had {$2000.00} extra dollars in it. My sons account is attached to mine and he was missing {$5000.00} of his savings. I then looked into the transactions on my account and noticed money transferred from his account to my account and withdrawn through XXXX and attempted through XXXX XXXX. {$2500.00} was withdrawn through XXXX and ready to post, while cash app had {$500.00}, still sitting there that they wouldnt authorize. I called my bank on XX/XX/XXXX, when I noticed this and told them of this. The transaction posted within 1 business day. They replaced the funds and then took it back on XX/XX/XXXX stating their investigation could not find the fraud that happened through them. They stated to come in and file a dispute with their decision and bring proof of the unauthorized transaction that they posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i am not using my cap one cards for a while. rented a car in XXXX FILTHY did not start several times tried calling alamo no one responded. when i returned the car i was told to makea complaint i did no one responded. CC cap one is asking me in order to settle dispiute for a cancellation policy i have none and that is not right to ask for. how do i get this settled fairly? please help me. i disputed XXXX dollars which is half of the total and i should get it back they are asking for wrong info to settle it. i have explained i will asa result be reducing all use of my cards from here on out MUCH. HELP. i was screwed no one helped me FILTHY car during a ; pandemic?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: NC

Complaint narrative:
Totaled my car no fault of my own XX/XX/19 XXXX my insurance settled with XXXX XXXX before the end of the month. XX/XX/19 XXXX was paid off and XXXX out my balance. I also received a check for {$72.00} that was extra tax or something from settlement. XXXX dealt with other persons insurance. Then a month or so {$5900.00} is reported as a balance. My Dad had passed away and I was working during the week, driving 7 hours both ways every weekend till after 1st week in XXXX. It wasn't hurting anything just sitting there. I got another check for XXXX deductible. My cosigner on the loan called XXXX to see if it was supposed to go to them and ask about the amount on the account. They told her it was a error and would fix it. XXXX said I owed the XXXX plus another XXXX tire wear. This was into XXXX, they then " fixed it '' by charging off the {$5000.00} error after I paid the XXXX XX/XX/19. I had told them I needed to find out about any tire wear no one had said anything to me. I got some paperwork from XXXX but couldn't tell why I owed the XXXX but paid it XX/XX/19. I had disputed their error the charged off per an employee there saying I would have no trouble. All 3 CRA keep letting them backdate up to 5 months of late charges, and 3 charge offs for the same account. Every time I dispute they let XXXX retaliate derogatory remarks. It is very clear the errors and I sent statements from XXXX who also tried to help me get the money. You can look at the credit reports and see its not right without any proof even. I have been trying to buy a house, deal with dads death, and 100s of man hours into something simple. I sent proof that could not be disputable because of supporting back up. I demanded they make XXXX prove that the statement XXXX told them they owe me was not true. The CRA has not made them provide anything! Others have had the same exact kind of problem and it is crazy they are not made to provide anything. I have where they have accounts different records where they add memos and do special posts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX. I am contacting you today in regards to a few issues. One being that I made several attempts to close a " XXXX '' credit card, owned and operated by " Comenity Bank ''. During this time, I spoke with Customer Service in direct relation to the account, asking for a " audit '' of the account ; furthermore, it was requested that an investigation be started to determine the ownership of the debt. 
I granted permission to allow my Attorney to speak on my behalf and about the issues at hand. A " Debt Dispute '' was filled out and sent to the parties. 
To date, nothing has been sent to me as was requested as far as the information pertaining to the ( alleged ) debt. I myself know firsthand that the debt may be linked to my account, but i am not the person that used the credit card, running up a high bill. 
As I have currently been living in XXXX New York, in a township called XXXX, then moving 45mins away to a city called XXXX. I have not been in or around the State of Pennsylvania since XX/XX/2019. So the debt request investigation that was made, was for a good reason. The involved company 's have yet to work with and or accept a payment of {$25.00} dollars. I was told that the minimum payment due at the time of the conversation was well over {$150.00} dollars. 

It would be greatly appreciated if someone could look into the matters and get back to me to further discuss the matter in its entirety. 

Thank you in advance for your time, attention, and consideration into this matter. 

Very Truly Yours, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: KY

Complaint narrative:
Creditor : XXXX XXXX XXXX CELLULAR SALES ) XXXX, XX/XX/XXXX Amount {$78.00} Debt Collector Company : I.C. System, Inc. 

On XXXX XX/XX/2019 denied Service for paid cellphone ( OTHER number was suspended by Registered Owner - not in use ) Account was reactivated After This customer Cancelled Services due to denial of Services to Cellphone paid FOR ( 1 ). XXXX did Not Honor the Contract from XX/XX/2019 XXXX Agents XXXX XXXX XXXX and XXXX XXXX XXXX XXXX claimed No Contract - month-to-month, and due to Denial of Service This Customer Responded in person, as well as * responded to FIRST Collection Agency with a Certified Return Receipt and sent copy to Cellular Sales in XXXX, XXXX CELLPHONE NUMBERS were NOT Registered or in USE by the paying Customer. Identity THEFT was reported, cancelled due to Denial of Service in person - AND XXXX XXXX, manager would NOT correct. In fact, the number USED for a TABLET was Reactivated and in USE AFTER it WAS deactivated - within 15 days. Signed Contract from XX/XX/2019 disappeared - but the Tablet number remained Busy using XXXX XXXX XXXX former owner of our residence for XXXX XXXX. 

XXXX XXXX owes the Customer for paid SERVICE not provided for ( XXXX ) : Customer was DENIED on XXXX XX/XX/2019 yet it was PAID " A month in advance '' - 2 billing schedules. In FACT, on XX/XX/2019, CUSTOMER ( paid in FULL ) and XXXX ADDED Charges and Switched Carrier to Dual with added VPN services. SENT bills to a Unit # 10 - connected to UPS Mailbox in XXXX, XX/XX/XXXX - ( Never REQUESTED Or Registered by Resident and Owner of PROPERTY. IDENTITY THEFT ONLINE.

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 2020-11-18 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2020 XXXX charged a reinstating service fee on a cancelled service. I was instructed to dispute the charge with my credit card Citi as the account has been closed. Citi started an investigation and provided a credit which was reversed on XX/XX/XXXX, XXXX indicating the information wasn't enough to support your claim and to contact the merchant. The account has been closed and Citi Card is supposed to protect it's customers against unauthorized transactions. No direct contact or additional details provided. by Citi for why they came to their decision.

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 2020-11-18 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: NV

Complaint narrative:
I submitted a copy of my XX/XX/XXXX file to Transunion showing that there is NO BANKRUPTCY AND XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX IS NOT MY ADDRESS ON MY FILES WITH XXXX XXXX. The resolution side shows the deletion to the erroneous address and once again there is NO BANKRUPTCY SHOWING ON MY XXXX XXXX FILE. Transunion keep saying they verified the information with XXXX XXXX which is false due to there is a freeze and NO ONE can access my files but me. This is why I ordered a copy of my file from XXXX XXXX to send the copies to Transunion that there so called verification is false information. Please do not send me another premade letter stating it was verified! The items/accounts that need to be removed is : Chapter XX/XX/XXXXBankruptcy, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX need to be removed that is not my address, XXXX XXXX schools is not my employer, XXXX XXXX. I have uploaded my copy of the XXXX XXXX CREDIT REPORT! MAKE SURE THIS IS FORWARDED TO TRANSUNION. I DO HAVE LEGAL REPRESENTATION ON STANDBY. THIS IS MY FINAL ATTEMPT TO RECTIFY THIS PROBLEM! My employer is XXXX and has been since 2000.

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 2020-11-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX 2020 Experian has sent me 2 different credit reports for two separate people in response to my 30 day campaign in which I write a letter to each of the 3 credit bureaus disputing information, everyday for 30 days. In response to these letters, Experian has sent the accurate credit report ( mine ) and then the next day sent another person 's credit report to me. Someone who is married, lives across the country. I'm single, never been married. Experian is mishandling personal, confidential and sensitive information and it is illegal and irresponsible and they have ruined my credit with their inability to manage information properly.

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 2020-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Blackhawk Network Holdings Inc.

Complaint narrative:
I received a virtual prepaid mastercard from XXXX with which I have been making online purchases on XXXX and XXXX online stores. 

I also linked the card with my XXXX account which is more convenient for me to make purchases at ease. 

I recently noticed that my card had been declined being added to my XXXX account and when I tried to find out the reason, I was told that I should contact the issuing bank for details of the decline. 

I have gone on the telexfree website as directed and I could not get a solution to the problem. The phone number on the virtual mastercard does not provide any solution the the problem. 
Telexfree does not have any means of interacting with them when you have problem with the prepaid card. 

XXXX XXXX which is supposed to be the issuing bank had refused to attend to my problem and keep referring me back to Telexfree.myprepaidcenter.com which does not have any solution to my problem. 

All these make me feel it is an intentional act by XXXX to frustrate and discourage us from using what is left in the virtual card. 

Please assist me with your office as I do not have any other place to go to. 

Thanks. 

I will be expecting your response soon.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation