vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a problem with this card and even got cfpb involved in it we don't owe anything never got any communication from them only found out a few months ago thru our credit report this is our old complain number thru cfpb XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a request asking the three credit reporting agencies to block these accounts that are a result of Identity Theft within the 4 days timeframe and they were not deleted. 

Account # XXXX -- XXXX XXXX Account # XXXX XXXX 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 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt for Bank of America. I do not feel I owe this money. I was in XXXX  and long-term XXXX  during the time these fees were incurred. I gave my mother Power of Attorney to officially to handle my business affairs. She repeatedly tried to close my account at the bank in order to prevent fees from being assessed, but even with the Power of Attorney official paperwork they would no allow her to do so and said it was Bank policy that the owner of the account be present to close the account. This was, however, impossible. They would not even allow me to be on the phone, it had to be in person. I do not feel I should owe monies incurred from fees during this time due to their inability to properly handle the situation. 

I'm asking for intervention to have this debt erased. 

Thank you in advance for your help as we have not found remedy with Bank of America. 

Sincerely yours, XXXX 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 2020-06-13 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: FL

Complaint narrative:
On XX/XX/2020 XXXX XXXX charged my USAA credit card for {$5000.00} for a cruise departing from XXXX XXXX on XX/XX/2020. XXXX cancelled the cruise due to the virus. They offered two options for reimbursement and I selected the option giving me 25 % future cruise credit and 100 % refund. They acknowledged my selection via email on XX/XX/2020. My booking number is XXXX. On XX/XX/2020 I called XXXX inquiring about the refund. I talked to a XXXX XXXX and she said within 60 days I will receive my refund. I have called back a number of times and unable to receive any specific information other than they are working on the refunds. Now it is almost 90 days and still waiting for the refund. 
On XX/XX/2020, I wrote a dispute letter to USAA Credit Card Services disputing the charge of {$5000.00}. To date USAA has never contacted me about the dispute. I have called USAA a number of times, including today XX/XX/2020. I am unable to get any answers despite asking for a provisional credit of {$5000.00} to be posted on my account. To date USAA has not credited my account. This is unacceptable customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not been able to log into myEquifax.com for approximately a year now. I have contacted Equifax on MULTIPLE occasions and have been told by the rep on the phone that they can see why I am unable to login to their site but can't tell me. 

I have called at least a half dozen times. I received an email dated Mon, XX/XX/XXXX at XXXX XXXX advising me that " We have completed the review of your online account at www.myequifax.com and we are pleased to advise you that the login issue you experienced has been resolved. '' I have tried to log on several times, most recently today XX/XX/2020 to dispute erroneous items on my report. I still get the same error message, " We are temporarily unable to complete this request. Please try again later. '' that I have been getting for months. 

They have updated their phone system to voice only when I just tried to call AGAIN and I sniffled and it hung up on me. 

Every time I have to deal with this company it is nothing but trouble. They should be shut down after the data breach and the lack of any sort of customer service. 

It should not take months for me to be able to access my account online when they practically are forcing me to file a dispute online. Their phone system EVERY step of the way repeats " did you know you can file your dispute online at any time? '' NO I CAN'T AND IT IS A REAL PROBLEM. 

They are holding me XXXX as I am trying to secure a mortgage and I am unable to dispute items on my report as I can't log into my account online and the phone automatically hangs up on me. 

This company should not even exist after their data breech in which my data was stolen. Now I can't even dispute an item on my credit report or talk to any person about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These are not my accounts, nor did I authorize these companies to run my credit. Please remove the

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Every month I C SYSTEMS COLLECTIONS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX ( XXXX ) XXXX. Is reporting a new collection that is for a collection account from XXXX. The information reported to the credit agency is in violation of Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$170.00} Date Updated : XX/XX/XXXX Original Amount : {$170.00} Original Creditor : XXXX Past Due : > $ 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 2020-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These are not my accounts, nor did I authorize these companies to run my credit. Please remove the

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These are not my accounts, nor did I authorize these companies to run my credit. Please remove the

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Keeps changing opening date and reporting acct as a new collection when is is from XXXX. 



CREDENCE RESOURCE MANAGEMENT # XXXX XXXX XXXX   XXXX XXXX , MI XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1800.00} Date Updated : XX/XX/XXXX Original Amount : {$1800.00} Original Creditor : XXXX XXXX  Past Due : > {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
We accept credit card for our business. We got charge back and we submitted proof of Card Present and taking proper authorization by asking Guest to insert Chip card in reader and we got proper authorization and provided service. 

Guest did charge back we provided all info but ou merchant service provider said XXXX XXXX do not want to pay. We asked them that we got approval by card insert and reading chip and on authorization it shows CARD PRESENT but still merchant is not accepting it. 

Can you ask Visa, Master Card, American Express to honor card if Card present and they authorize us to charge certain agreed amount by guest. How they can do charge back when card is present. 

Please provide us guidelines on this situation and send something so small business can get protected as per Federal guidelines and stop big Visa or Master or merican Express to take advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion has not investigated the following account. " XXXX XXXX XXXX '' I sent a dispute letter to transunion back in XX/XX/2020 As of today XX/XX/2020 I have yet to receive notification of dispute. A violation of FCRA rules section 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
Can't link acct to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
XX/XX/2020 - started receiving phishing emails and spam calls from several entities. I reported each, as well as this particular agency, Sequium Asset Solutions, as spam since I carried no debt, and did not know the company XX/XX/2020 - saw a drop in my credit score ; and a collection action for {$100.00} by Sequium Asst Solutions LLC for a cable company called XXXX XXXX ; I immediately filed disputes with XXXX and XXXX. Did not receive a fraud alert from XXXX, although I registered for fraud alert thru XXXX. I've maintained my cable services through a totally different company for years, never from this company. 
XX/XX/2020 - both reports inaccurately claim the debt as accurate. It is not. My identity was hacked. I do not know the company, never made or authorized any merchandise or service or account from the company. 
I want it rectified and my personal information protected. I do not, and have never had an account with XXXX XXXX. 
I called XXXX but since I could not immediately recall past loans and exact amounts during my XXXX  years of life, they want me to mail copies of my state ID, utility bill, name, SSN, Date of birth email, and phone numbers to a PO Box . I fear my identity was hacked, and better judgment dictates I do not put physical copies of every piece of personal identification in the mail. 
I need this rectified now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
After receiving a credit notification from credit bureaus I was made aware that a collection appeared on my report I contacted the list collection company and requested VALIDATION the customer service representative refused and stated I could contact the original creditor myself as he couldnt provide me the requested information ... .I advised him that I had no knowledge of his company not had I been contacted by them he then give me a address stating it was my address the address he provided is NOT my mailing address so I provide correct mailing address he still stated he would send a bill no validation I told him to remove from my credit file until he was able to provide the information needed he refused ... ... I later received the bill as he stated still no VALIDATION ... I send letter to company asking for validation again with no response I have enclosed the letter to company they have no responded to my request to Validate the debt but continues to report to all three credit bureaus and call to collect ... .This is a direct violation of my rightper the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JTM Capital Management, LLC
State: GA

Complaint narrative:
Hello i had problems with this card company and filed a complaint about the with cfpb # XXXX and now with no notice, we find out that another company reported it on my credit they never sent us any notice what so ever and have not allowed us our due process this is a secured card that has been paid they are killing us with late fees and the penalty for no reason

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: NV

Complaint narrative:
I contacted XXXX XXXX on XXXX XX/XX/XXXX because my auto loan that I took out back in XXXX for {$14000.00} and today my loan is {$12000.00}. I told them im a military vet how is XXXX and now on a fixed income and can no longer afford the car as well as I believe fraud is going on due to my balance not going down. Every time I call I get hung on or get told they can help me but I have to wait 2 day for approval then say they don't know what im talking about. Everyone is rude and no one want to help. This company is a scam and they do not help people, all they care about is money. I am one the phone now and now the call is silent and I wasn't put on hold. This is crazy, and now being told I have to file bankruptcy and then at that point I can call about a settlement, which don't make sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
2nd request. These are not my accounts..please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a request asking the three credit reporting agencies to block these accounts that are a result of Identity Theft within the 4 days timeframe and they were not deleted. 

Account # XXXX -- XXXX XXXX Account # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a request asking the three credit reporting agencies to block these accounts that are a result of Identity Theft within the 4 days timeframe and they were not deleted. 

Account # XXXX -- XXXX XXXX Account # XXXX XXXX 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 2020-06-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was currently married to XXXX XXXX XXXX XXXX we havent filed for divorce but I was kicked out from my mailing address in which my EDD benefit payment debit card was sent but unfortunately my ex-wife decided to activate it and spend my benefit payment and lied to me about it not arriving yet called Edd they informed me card was activated on XXXX of the month XXXX. Very stressful and frustrating because I have no job I live in a hotel and shes keeping my money from me that is fraud and I wish to report this because its been very hard for me to get through with no job and no money now I need to find a way to transfer that money to my personal account and thats going to take more time for me to see any benefit payment balance was XXXX now it is at 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 2020-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
2nd request. These are not my accounts..please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
2nd request. These are not my accounts..please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, i was walking down the street when i got a notification on my phone saying that someone took {$920.00} out of my account. I called the bank and they said they will end banking relationships with me and its likely i cant get this money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not my account, nor did I authorize these companies to pull my credit/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not my account, nor did I authorize these companies to pull my credit/

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