vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: DC

Complaint narrative:
I received a US Bank ReliaCard that says it was for Washington DC unemployment benefits. 

I did not apply for those benefits, and I researched and discovered there is a scam in many states where people 's identities are being used to file false unemployment claims. 

I called the DC office on unemployment and when I indicated that I was calling about a debit card they transferred me over to U.S. Bank. 

One of the first statements the online recorded voice made was ( If you are calling about a card you received that you did not request, press # 1 ).

I pressed # 1 and was told that this was an invalid entry. Then it asked me to punch in the 16 digit card number again ( Which I hadn't been asked to do before ). 

I punched in the number on the card I was sent, and was told this was an invalid entry. I stayed on the line, and finally got to a point where they said I could wait to speak to somebody. Then it said the wait time will be ... ... .and it hung up on me. I've tried to get through to them but can not. 
When I researched online people in other states with the same scam have posted " Good Luck Trying to get through ''. 

This is a company that the government is using to fund money going to people. It is ridiculous that there isn't a rule that these companies must make themselves available to calls. Additionally, the longer I have to wait, the more likely this identity theft is going to impact my credit. 

I am requesting 2 resolutions. 

1. U.S. Bank Reliacard needs to provide an easy webpage to report fraud, and they need to have an easy call in system for people to get ahold of them. 

2. States or areas like DC that are using U.S. Bank Reliacard should not pass you off to U.S. Bank until they fix this problem, and should take the reports of fraud and deal with the bank directly.

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 2021-07-26 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: FL

Complaint narrative:
I have notified Transunion of a disputed account, which they removed only to put it back on my report a month later, I have never had a credit card with XXXX XXXX XXXX  with a credit limit of XXXX dollars, my limit was {$500.00}, I also have no knowledge of the purchases made on the card to reach XXXX dollars or when they increased my credit limit to XXXX, I have sent certified letter trying to get a detailed printout of what was purchased and have not received a response, I would like a detailed printout so I can, make a police report so I can get this issue resolved and I am demanding the removal of this derogatory account until they can provide me proof that this debt belongs to 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 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: FL

Complaint narrative:
Carter Young is a debt collection agency that has an account under my name in collections. The debt is not mine, it belongs to my mother. The apartment was given to me as a gift and it was agreed upon that she would pay the rent for it. One day, she decided to stop paying the rent and now all of a sudden I have this debt in my name. I tried to reach out to the debt collection agency to see if we could find a solution to this problem or at least have the debt removed from my credit and was offered no type of help. The manager, Mr. XXXX told me that my mother was seeking legal counseling about the matter, which I had no knowledge of. I tried to explain to him that the debt was not mine and all he was concerned about was if my age at the time and if I had spoken to my mother about it. Like I said, the apartment was a GIFT to me for graduating and now I have to suffer because my mother agreed to pay for the apartment and stopped doing so. XXXX XXXX is a very unprofessional business, they offered me no help and was rude to me when I tried to ask for it. They have no professional mannerisms at all and seem as if they dont want people to pay off their debts. They are okay with no finding a solution for situations when asked for help. Since the moment they have added me to collections, not once have they EVER tried to call or reach out concerning this debt. For the past two years I have never heard from these people!!! And when I call to try to come to a solution they completely turn me away, hang up in my face or transfer me to phone lines that are out of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Filed bankruptcy- Chapter XXXX in 2011. It is still showing up on my credit report. I have applied for a federal job and this might be a cause to not being eligible. All three credit companies still have this on my report. According to Georgia Bankruptcy court, this should have fallen off a while ago and they do not have control on what they report on.

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 2021-07-26 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: MS

Complaint narrative:
XXXX and Experian reported the bankruptcy was verified through XXXX XXXX and the courthouse, both entities report they have NOT verified this information with either party. Experian has refused to re-investigate this matter.

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 2021-07-26 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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:
DID NOT RECEIVE NOTICE WITHIN 5 DAYS of Determination as required by LAW. 

This is my second attempt in communicating with your offices. In Exhibit A is attached the first letter sent. 
All items in Exhibit B, C, D, E, F, G, H, I are invalid, innacuare, not timely and carry no documented evidence per FCRA laws and are damaging to me character, reputation and well-being by falsely stating those non-complaint unverifiable accounts on my consumer report. 
I have not received any confirmation on how these alleged accounts were verified attached in exhibits B, C, D, E, F, G, H, I and therefore request that you consider this as a final notice to your offices. Past this point, CFPB will have authenticated sworn testimony from my end which I will gladly present in court as evidence if need be of me trying to rectify the subterfuge that you are reporting. 
I have not received confirmation or certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certificate of testimony that the alleged accounts presented in exhibits, B, C, D, E, F, G, H, I are in fact compliant and not subterfuge.

****This entry is from Affidavit of Truth served to 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 2021-07-26 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:
DID NOT RECEIVE NOTICE WITHIN 5 DAYS of Determination as required by LAW.

This is my second attempt in communicating with your offices. In Exhibit A is attached the first letter sent.

All items in Exhibit B, C, D, E, F, G, H, I are invalid, innacuare, not timely and carry no documented evidence per FCRA laws and are damaging to me character, reputation and well-being by falsely stating those non-complaint unverifiable accounts on my consumer report.

I have not received any confirmation on how these alleged accounts were verified attached in exhibits B, C, D, E, F, G, H, I and therefore request that you consider this as a final notice to your offices. Past this point, CFPB will have authenticated sworn testimony from my end which I will gladly present in court as evidence if need be of me trying to rectify the subterfuge that you are reporting.

I have not received confirmation or certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certificate of testimony that the alleged accounts presented in exhibits, B, C, D, E, F, G, H, I are in fact compliant and not subterfuge. 
****This entry is from Affidavit of Truth served to XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Presto Loan Center, LLC
State: AZ

Complaint narrative:
The title loan account was opened in XX/XX/2015 the company did not disclose that they were reporting payments to the credit bureaus, this was optional at that time according to the advertisements, the employee at the store made this determination on my behalf without consent. They are a predatory lender with a much higher interest rate than advertised. They violated TILA, falsely advertised, and represented rates making it impossible to meet the terms as a consumer. They tried to keep the vehicle as it was in their possession from the time the loan was in place. The loan defaulted, once defaulted we paid the loan in full plus any fees they charged. These fees were never provided upfront or officially disclosed in any documentation, it had to be what they said we needed to pay plus storage fees and other bogus fees. Presto would not give us the location of the vehicle after payment, we had to go to several local warehouses to try and locate the vehicle on our own with little to no cooperation. This company takes advantage of consumers. I have disputed Presto 's credit reporting practices over the last 3 years countless times and they continue to falsely report when they were not authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have been complaining to all about taking advantage of me and after going on 3years I have been taking out {$300.00} dollars out of my savings account in which social security sends my checks into a savings account and not a checking account. But now going on three years Wells Fargo didn't tell me anything about all of these hidden fees after I have been going into this financial institution and getting some of my writings notarized and either getting the {$300.00} dollars to pay for the utilities for in which I reside at this institution didn't tell me about all of these hidden fees after all of this time I should have been told this before hand. Like I told you all before my government benefits goes into my savings account and nt a checking account. Now this banking institution wants to charge me all of these hidden fees and the way Wells Fargo is trying to justify this after going on three years now they are telling me that from {$10.00} jumped all the way to {$300.00} and told me that I overdrafted my account and they have told me that I authorized that I authorized them to sign me up for over draft protection in which I didn't authorize this institution to sign me up for over draft protection and I have told them before I have called them to remove that {$10.00} from my savings account to pay for that service fee. But now XXXX jumped to XXXX cent 's and they have told me that I used online banking and I have told them I don't know how to use online banking I always call them when I need I need money to pay for a transaction I Never use online banking because I don't even know how to use online banking. Unless Wells Fargo and it's affiliates has forged my name on documents and open up a fake account and taking money just like this institution has done to other consumer 's that are on XXXX and taking advantage of people that trust Wells Fargo to take care of their money just like this institution is trying to take mine. And I would like to say that only because we are in a pandemic doesn't mean to take advantage of people that XXXX and taking their money knowing that a lot of people such as my self is on a fixed income. And I wouldn't be able to sleep at night knowing that I have taken advantage of someone that is XXXX and struggling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26 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: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I had a loan that was handled by a collection company. I paid XXXX $ loan and then the company sold it to Absolute Resolutions. They filed a judgement against me, which I paid an outside firm to handle out side of court. Agreed to payment schedule. Did not lower the amount and made me pay for court costs and then put it on my credit report as a collections and the date on the there is incorrect. The original opening of the loan XXXX was XXXX not XXXX. Once the settlement was agreed outside of court, they placed it on my credit report as in collections. Which it is not. i have been paying XXXX a month for over year even when I lost my job in XXXX due to COVID this year. I would like the infraction removed from my report as I am presently paying and the date is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
the following accounts appear on my credit report, they do not belong to me, please review them Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
. Identity Theft XXXXXXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX of XXXX we took out a 6 month no interest credit card with Synchrony Bank/CareCredit. Initially, they neglected to send out any statements which resulted in an interest charge to our account. I called their customer service and they removed the initial charges and during that call I set up an autopay with the assistance of their representative to ensure no other late payments and that the entire balance would be paid in full by the time the no interest period was up. After the call we still never received any statements and then in XXXX when I went online to check the account to make sure everything had been cleared I saw an interest charge for {$330.00}. 

We contacted their customer service immediately after the incident and got nothing but the run around for months. We finally decided to write them a formal letter to try and get resolution and got a response back from them on XX/XX/XXXX stating the following : Dear XXXX XXXX, Thank you for your recent inquiry regarding your CARECREDIT/SYNCHRONY BANK account, and the opportunity to be of service to you. 
We appreciate your patience while we look into your account. It XXXX take us XXXX to XXXX billing cycles to respond to you. 
We value your business. Our experienced team of Customer Care Specialists are ready to help, if you need further assistance. 
Sincerely, XXXX XXXX XXXX  XXXX And since that time I have called customer service multiple times but have been given the run around again. I finally got fed up and found this website to lodge a formal complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26 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: NJ

Complaint narrative:
There are disputes on my account pending from fraudulent charges on my account from a dating service XXXX XXXX back to before XX/XX/2020. I put in a dispute for the charges in the appropriate time and reported fraud on my account the dispute was not put through appropriately and therefore the charges reappeared on my account. I called and once again put in an additional dispute and was assured that it would be properly handled and yet again it was not. So I have for the third time attempted to correct all these charges which were over {$400.00} in charges. In my third attempt I am now being told the charges are too old for them to dispute. That is not my issue as I did dispute the charges in the appropriate timeframe and due to them not doing their jobs properly or communicating things with me this has dragged on for about a year at this point. And every representative gives me a different story when attempting to fix the matter. First they tell me the disputes are too old. Then I am being told that it was reported as fraud and that it was proved that I did have a page on XXXX which best buy never informed me of any such proof and never provided any such proof for me to dispute. So reporting them is my last resort for a resolution

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 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX USAA Member No. : XXXX Car Note Loan No. : XXXX In XX/XX/2021, I filed a formal dispute with USAA Federal Savings Bank regarding the reporting to the credit reporting agencies of my car payments as being " 30-days late '' every month from XX/XX/2021 when they were being paid as agreed. 

As a result, an agreement was reached on XX/XX/XXXX, copy attached, with the relevant portion, " We are writing to inform you that the delinquency in dispute has been removed from the account history. These agencies normally update credit information within 45 days. '' Even so, as of today 's date, USAA is still continuing to report my car payments as being " 30-days late '' in violation of the agreement and the FD CPA 807 ( 2 ) ( A ) in that it is falsely reporting " the character, amount or legal status of any debt. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation