vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns

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 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
On XX/XX/2020 I filed a complaint with CFPB against Capital One 360 over a closing of my account due to 3rd party deposits.The total of the 3rd party deposits is {$9400.00}. But Capital One withdrew {$1600.00} over the total amount of the 3rd party deposits. If Capital.One did a thorough enough job when they did the investigation into the deposits, they would see that 3 of those deposits that they removed were made to ME, and NOT the 3rd party. The 3rd party and I BOTH have unemployment. Whoever handled this issue did not research the deposits thoroughly to check the names of who the deposits were for. They just assumed all Dept of Labor deposits to the account were sent to the 3rd party and then went ahead and removed all of them.That is unacceptable and Capital One should have more competent employees handling issues like this. I have attached the response that I received to my XX/XX/XXXX complaint and underlined the deposits that were made to ME and were removed with no legal right. That was money from the State of Hawaii sent to ME, in MY name and Capital One has no authority to take those deposits from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Account XXXX Account # XXXX opened in XXXX. The company closed account without merit in XXXX. Then came after me for monetary of {$250.00} then over {$500.00}. I disputed with agency over three times and with Credit Bureaus. It was closed disputed even fraudulantly. The company never provided proof of amounts. I requested it to be resolved a settlement was offered. Then I knew I did not owe them because they had never provided summary report on account. Kia Financial Motor Account # XXXX. Car was surrended on XX/XX/XXXX voluntarily with no payments due. The company sold vehicle in auction then requested {$7000.00} then over {$8000.00}. I was offered a settlement. The car had been sold repo and there trying to get a double pay. The vehicle has claim form for XXXX class action settlement on XXXX XXXX gasloine direct injection engine. In which I was having problems when leased that is why I retuned it behind defect. The company is trying to profit on two consumers when, vehicle was sold in XX/XX/XXXX. Then the company expected me to pay for XXXX until XX/XX/XXXX. Someone was untilizing vehicle in company they need to be responsible for usage. Also pay for punitive damages of selling a defective SUV that is now in court for defective engine failure. I am requesting that both companies because the accounts are closed be removed off credit report due to insufficient accountability of amounts being owed and fraudulant amounts being submitted as dispute on the record. When it is over three years of servicing me as a customer. Providing updated information when accounts have been closed for not providing proof of service amounts being requested. There being made up as time progesses to receive monetary that is not due for service not being received in 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 2020-10-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a dispute to Transuni

on, advising them of several credit inquires that are listed on my credit report, of which I do not recall giving them permission to check my credit. I have taken time to contact these companies and none of them have been able to prove that I applied for credit with their company and gave permission. Per Section 604 of the Fair Credit Reporting Act, credit bureaus must have permissible purpose from the creditor, written authorization, and proof that I initiated the hard inquiry. This law must be followed, otherwise anyone could check peoples credit anytime they wanted. I am trying to achieve several financial goals in the immediate future, so it is imperative that Im able to get this resolved. Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to
have conducted a reinvestigation of my dispute filed XX/XX/2020, and to have concluded that reinvestigation within 30 days of the date of receipt of my dispute, which was XX/XX/2020. I sent this letter by certified / return receipt, so I know when they received it. I received no response from this bureau on this request.

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 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX care credit gave me a promotional interest free 12 month, however I asked several times to please let me have a subtle payment option due to the pandemic they told me first I had to make my minimum payment do and then call back and 48 hours and then I could ask for a settle payment however however the promotion was over in XXXX nor did I receive a letter or phone call or email and now they're telling me that there is absolutely nothing that they could do I spoke to at least four supervisors and nobody was able to accomplish anything except take my {$210.00} minimum payment this is unethical and very unprofessional and I hope that it never happens to anybody else

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 2020-10-29 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 — Investigation took more than 30 days
Company: Nelnet, Inc.
State: MA

Complaint narrative:
HI U.S. Department of Education/XXXX XXXX XXXX XXXX XXXX XXXX ... ..How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of identity theft and noticed unauthorized inquiries and accounts reporting on my credit report. I contact the creditors as well an the three bureuas to take action to getting this information corrected. I was told I needed to submit an FTC report along with police report which I provided. After about 10dyas I called to check the status of my case and was told by a supervisor that my documentation that I printed from the FTC site was not approved. This has caused me emotion stress and cause me denial of applications due to unauthorized, inaccurate reporting from the credit bureaus from no fault of my own due to negligence of my information being leaked from a data breach from the credit bureau. I have done what was asked of me and the credit bureau is not following the law where it states FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!!

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 2020-10-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
HI U.S. Department of Education/XXXX XXXX XXXX XXXX XXXX XXXX ... ..How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
HI U.S. Department of Education/XXXX XXXX XXXX XXXX XXXX XXXX ... ..How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KS

Complaint narrative:
Chime bank consistently goes completely down to where we can't access our funds, make payments, transfer funds, or even see our account information. If this was a one off thing it would be different and somewhat understandable. This happens at least once or twice a month now. Having a banking system go completely down like this is unfair and scary and in some circumstances, significant damage to someones life. Imagine having a job interview and your low on gas on the way there. You stop to get gas with the money in your debit card account but you can't access it and become stuck at the gas station and miss the interview. What is happening is not an oops ... sorry, our bad situation. This is serious and needs to be handled by our regulators that we trust. Letting something like this happen over and over again is not only complete mis-mangement on Chime, but also the regulatory agencies that oversee them. FIX IT. No other banks do this constantly. FIX IT. The most recent date this has happened is today XX/XX/20 beginning around XXXX CST. This can't be allowed to keep happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XXXX of 2019 XXXX took over control of rewards dispersal for their XXXX Visa card ( from Barclay 's ). They supposedly notified customers of the change in terms and conditions, however I did not receive notification. Apparently I can no longer apply my rewards to my credit card balance and MUST use them on XXXX services only. I have {$520.00} in XXXX cash rewards, which equates to over {$50000.00} in spending on that card. It is not feasible to use $ XXXX on XXXX services when I live in an area that DOES NOT PROVIDE XXXX SERVICES. I contacted Barclay 's today and was told I'd have to take it up with XXXX, since they can no longer disperse those funds. I've done everything I can to find some way to contact XXXX, however they seem to not want to interact with the public or provide customer service in any way.

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 2020-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I received mail today. I received mail from Portfolio Recovery Associates, XXXX. They stated that a XXXX purchase from XXXX for {$1300.00} was transacted on XX/XX/2019 from location, XXXX XXXX XXXX XXXX Wyoming XXXX. 

I told the person from Portfolio Recovery that I have never lived in Wyoming nor purchased anything ever from a XXXX account. 

Original Creditor : XXXX XXXX Original Creditor Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX Creditor to whom debt is owed : Portfolio Recovery Associates, XXXX  I talked to two people via phone and then talked to XXXX in the Dispute Department. 
XXXX also asked that I scan my drivers license and send it to their company. 
I am reporting a fraud complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I received a Cash App VISA Card. I've heard of cash app, but have never in my life signed up for or used cash app. I'm not even aware of how that stuff works. Also, There are markings on the card leading me to suspect that this card has been swiped. Usually there is a sticker on new credit cards instructing you to activate new cards and this does not have one.

I tried to call a phone number for Cash App, but I was unable to reach a representative. I'm extremely concerned about this and am unsure of what I need to do. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: CA

Complaint narrative:
HAVING AN ISSUES GETTING MY DISPUTES PROCESSED WITH THE CREDIT BUREAUS.

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 2020-10-29 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX XXXX 2020, I ordered some pool filters for a total of {$170.00}. The item was supposed to be delivered by XX/XX/XXXX. When I did not receive, I contacted XXXX XXXX to discover where the package was. They said it's location was unknown. 

I contacted the seller on XX/XX/XXXX ( item still had not shown up ) and he indicated he only had one left, so I ordered a replacement on XX/XX/XXXX. I disputed on XXXX as " Item Not recieved '' I received the second item ordered, by the expected delivery date. About 3 weeks later I received the the first item ordered. I contacted the seller and he sent me a shipping label. I sent the item back to the seller, and attached is XXXX  XXXX  tracking label and delivery verified from XXXX XXXX. 

As requested, I sent the attached items to the dispute department at XXXX XXXX. My dispute was declined, even though I sent the attached info, showing XXXX said they would refund the money, Seller said he received the item I returned. 

They indicated that PayPal refused to issue refund, but would not explain how or why it was refused. 

XXXX XXXX  issued me a credit to make up for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/2020, I contacted Chime Bank to dispute the fraudulent charges to my spending account. The were informed earlier regarding my card being stolen and had asked that I complete paperwork totaling 48 pages to submit before I could begin the dispute. I completed all of these pages and began the dispute process. Apx 10 business days later they responded that " no billing error '' had occurred and I would not be receiving any credit for these fraudulent charges. I then filed a rebuttal to this adding the copy of the police report regarding my stolen wallet on XX/XX/2020. On XX/XX/2020 they responded that they had no changed their decision and the fraudulent charges would stand. However, on XX/XX/2020, they found that my dispute was valid on my credit card with them for the fraudulent charges due to the same circumstance and they did credit back all the fraudulent charges to my Chime credit card, yet have not been able to explain why they would do so on that account but not my spending account. I have attached a copy of the bank finding my fraudulent charge claim to be valid for their credit card account I have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: CA

Complaint narrative:
HAVING AN ISSUES GETTING MY DISPUTES PROCESSED WITH THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: CA

Complaint narrative:
HAVING AN ISSUES GETTING MY DISPUTES PROCESSED WITH THE CREDIT BUREAUS.

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 2020-10-29 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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-10-29 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: MD

Complaint narrative:
I received a usbank reliacard in the mail and i did not request one. I am not unemployed and I did not request this card. I need the account closed immediately.

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