vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 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: MS

Complaint narrative:
This is my 2nd request with the CFPB. 

On XXXX I sent a letter to XXXX, Equifax, and XXXX regarding inaccurate and negative information on my credit report. 

It has currently been 53 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. 

It has been over 53 days so they be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 

My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: NH

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-21 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: NH

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My correct name is XXXX XXXX XXXX My correct address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
On XX/XX/XXXX Yamaha Motor Finance Company notified me that I was past due on a bill. This was likely due to me changing addresses and not receiving the bill. I spoke to the company 's representative on the phone and resolved the payment. However, due to Yamaha 's Motor Finance Company 's computer system they used an incorrect routing number to process the payment, which resulted in what they call a NSF or " Not Sufficient Funds '' and although this would typically mean there was not enough funds present in the account I was told by their representative on XX/XX/2021 that this is not the terms meaning, and that they " use this term for anytime a payment does not go through '' or something to that effect. This is obviously an absurd notion, that they would change the meaning of a phrase. I have provided the correct routing number in the past, and they have used it to charge me in the past, as noted by the representative on XX/XX/2021. However, Yamaha Motor Finance Company has continued the practice of using the wrong routing number and then charging a fee when the payment does not go through due to their own negligence. I believe this is a scheme to continue to charge me additional fees that are not owed and are the fault of Yamaha Motor Finance Company. This is simply put, a predatory attempt to gain an additional approximately {$70.00} each month. They have so far refused any responsibility, and will not even state that they have captured the routing number correctly for future use. I want the fee returned to me, and any possible fines or other actions taken against Yamaha Motor Finance who continues their criminal behavior of charging fees that are their own fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: DISCOVER BANK
State: OR

Complaint narrative:
XX/XX/2021, I made a reservation for XX/XX/XXXX at the local XXXX XXXXXXXX XXXX - Confirmation number XXXX for {$320.00} with my Discover card. Unfortunately due to circumstances beyond my control : ( post XXXX XXXX symptoms/illness and a five day ice storm with power outages city-wide ) I could not keep my reservation. 

I reached out to Discover XX/XX/2021 to let them know to remove the charges as I was not able to keep the reservation due to the reason ( s ) as listed above. 

Shortly thereafter, a credit of over {$750.00} appeared on-line on my Discover card with this notice from Discover : We're writing to inform you that XXXX XXXX  XXXX issued a credit for the disputed transaction that we also previously credited. This means your account has been credited twice for the same transaction. To correct this, we have reversed our previous credit, which you will see on your next billing statement. 

What XXXX XXXX  had done was refund to Discover was the Reservation and the Hotel stay. Which I found most confusing, at any rate, XXXX XXXX  returned two transactions to Discover. And since I do not carry balance ( s ) on my credit cards, I always pay in full each month, I knew everyone was made whole. I did not owe any money to Discover as XXXX had reversed the charges. 

This is a record of my dispute with both companies. 

We're writing to inform you that XXXX XXXX  XXXX issued a credit for the disputed transaction that we also previously credited. This means your account has been credited twice for the same transaction. To correct this, we have reversed our previous credit, which you will see on your next billing statement. 

Case Number:XXXX Merchant Name : XXXX XXXX  XXXX Dispute Amount : {$320.00} I've been fighting with Discover since XX/XX/2021, and I'm simply exhausted. Please help me!! 



Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21 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: FL

Complaint narrative:
On XX/XX/2021 I opened a phone dispute with Capital One VISA in the amount of {$2600.00} for a ruby and diamond ring purchased from XXXX. 

On XX/XX/XXXX and XXXX, 2021 Capital One responded requesting additional information. Please see my responses below dated XX/XX/2021 and excerpt from my cover letter. I also uploaded supporting communication with the merchant and a letter from a reputable jeweler. 

- Merchant name : XXXX  - Transaction date : XX/XX/2021 - Disputed amount : {$2600.00} - Sales invoice : XXXX attached. 
- Information/evidence to support how merchandise received differs from what was received : See attached from XXXXX Jewelry. 
- Second opinion on company letterhead : See attached from XXXXX Jewelry. 
- How the problem needs to be corrected : The dispute can be corrected by the merchant taking the ring back and providing a full refund of {$2600.00}. I do not wish a store credit or to conduct business with this merchant again. The practice of bait and switch is illegal and fraudulent. Final sale should not protect the merchant from this practice. I expected to receive what was described and aired on their show. 
- Number of times merchant contacted : I reached out to the merchant twice via e-mail to document our communication and try to resolve the dispute. 
- Returned the installed parts : Not applicable. 
- Merchant refund voucher : Not applicable. 

On XX/XX/2021 Capital One requested the above information again. I am not sure it was ever reviewed when I uploaded back on XX/XX/2021. I called Capital One dispute department on XX/XX/2021 to confirm that the information and supporting documents needed uploading again. I spoke to a dispute manager who confirmed I needed to resubmit. 
The documents were reuploaded on XX/XX/2021. 

According to Capital One dispute, VISA is reiterating the merchants response/rebuttal that the item I purchased was " final sale. '' Although VISA requested a " second opinion '' from a jeweler stating how the item received was different from what was aired on TV. It now appears that VISA is not taking this information into consideration.

At this time, I am getting the runaround from Capital One and VISA. Capital One is sighting VISA is not cooperating and making this dispute difficult. Also, disputes have been filed with the FTC and BBB against the merchant, TVON, for fraud in the form of " bait and switch. '' I still have the unused ring with the tag. I seek Capital One and VISA 's review of all supporting documentation and not waste time. To resolve the issue, I request the merchant take back to the ring for a full refund of {$2600.00} back on my Capital One VISA card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I added {$100.00} to my credit karma spend account on the XXXX of XXXX. It was withdrawn from my checking bank account on the XXXX of XXXX. It was available to withdrawal from credit Karma on the XXXX of XXXX. I have yet been able to access the money at all. I have spoke to them several times and they keep telling me the account is under review and can't transfer me to the department that is doing the actual review and can't give me anymore I formation. Other than telling me someone will email me. I have not received one email from the review department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: MO

Complaint narrative:
My identity was stolen while I was XXXX, along with my car and my purse in XXXX of 2018 and I filed a police report, and XXXX XXXX ruled against my identity theft saying I was in the car and not XXXX  when in fact I showed them proof of being XXXX  on the night that the money was withdrawn. They denied my police report as well. I've tried several times to have this removed as it was not me and my identity was stolen. They still refuse, along with all 3 credit agency 's to remove this! I've showed all documents stating my innocence. I want it removed and my debt of it cleared. They need to go after XXXX XXXX who did this! Thanks.

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 2021-07-21 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: MO

Complaint narrative:
My identity was stolen while I was XXXX, along with my car and my purse in XXXX of 2018 and I filed a police report, and XXXX XXXX ruled against my identity theft saying I was in the car and not XXXX  when in fact I showed them proof of being XXXX  on the night that the money was withdrawn. They denied my police report as well. I've tried several times to have this removed as it was not me and my identity was stolen. They still refuse, along with all 3 credit agency 's to remove this! I've showed all documents stating my innocence. I want it removed and my debt of it cleared. They need to go after XXXX XXXX who did this! Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: MO

Complaint narrative:
My identity was stolen while I was encarcerated, along with my car and my purse in XXXX of 2018 and I filed a police report, and XXXX XXXX ruled against my identity theft saying I was in the car and not encarcerated when in fact I showed them proof of being encarcerated on the night that the money was withdrawn. They denied my police report as well. I've tried several times to have this removed as it was not me and my identity was stolen. They still refuse, along with all 3 credit agency 's to remove this! I've showed all documents stating my innocence. I want it removed and my debt of it cleared. They need to go after XXXX XXXX who did this! Thanks.

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 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: WA

Complaint narrative:
The company - United Collection Bureau ( UCB ) - has called me over and over looking for some guy named XXXX XXXX. That is not my name and I have no idea who he is. Today I was called by " XXXX XXXX '' who admitted that he could see that they called me three times in his records, and I had him put me through to his boss XXXX XXXX, the Director of Operations. She listed her number as XXXX. Each time they call me, I explain that I do not know this person named XXXX XXXX, and each time they say they will " remove my number '' and not call me again. And then they keep calling. Day, night, while I am at work. It has gotten so bad that I have stopped answering my phone completely unless I am expecting a call ( today I was expecting one from my doctor ). This is a nightmare, and I wish I could just easily change my phone number but I can not. Please help me make them stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply to these regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted equifax and sent multiple disputes regarding these unauthorize inquiries and i keep getting a general answer and they won't provide method of investigation and verification for these unauthorized items on my report. i want these items deleted because they are not authorized. 

XXXX XXXX Auto Financing XX/XX/2021 Equifax XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2021 Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: MS

Complaint narrative:
This is my 2nd request with the CFPB. 

On XXXX I sent a letter to XXXX, Equifax, and XXXX  regarding inaccurate and negative information on my credit report. 

It has currently been 37 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

It has been over 37 days so they be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: NY

Complaint narrative:
Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of these inquiries contains information that contributes to the alleged experience and transaction between I, the consumer and the creditor.

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of these inquiries violates this.

Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report these inquiries to any consumer report. 

As a consumer, and the original creditor I, XXXX XXXX, am seeking the following remedy from Equifax for these violations : The removal of the inquiries listed below XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a vacation rental through XXXX and paid through Paypal for the full amount of {$1500.00} for a vacation scheduled on XXXX. On XX/XX/XXXX I was informed the property was sold and my vacation rental was no longer available. I was told to request a refund through Paypal. On XX/XX/XXXX I opened a claim through the Resolution Center. It was immediately closed stating since I didn't file within 180 days my case was closed. I was never informed until XX/XX/XXXX the property was sold and that was only after I initiated the conversation as I never received details regarding my upcoming vacation. I simply would like my money back for a vacation that I did not receive.

Company response to consumer: Closed with explanation