vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/20 - Made a XXXX payment to a cryptocurrency broker ( XXXX  ). Transaction was completed from my end however the deposit never made it into my bitcoin wallet. They have been adamant in their refusal to aid me in recovering these funds which may likely be sitting in a random bitcoin wallet that I do not have access to. I provided the correct wallet information and they will not explain why it was sent somewhere else. 

Further, after reaching out to my bank to ask for a refund or help with resolving this issue they have refused to be helpful and have strung me along for nearly 4 months.

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 2021-02-12 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Primary Party or Firm Information Name : Chase XXXX XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX Phone : XXXX Website Address : XXXX Complaint Chase advertises zero fraud liability, yet refuses to reimburse me for charges that I DID NOT MAKE. There excuse is that ONLY THE CARD HOLDER could make these transactions since these are chip card transactions. Even though Chase acknowledges fraudulent activity HAS OCCURRED for SOME TRANSACTIONS ON THE SAME XX/XX/XXXX STATEMENT ( for example, Chase has reimbursed transaction XXXX XXXX XXXX XXXX in Virginia on XX/XX/XXXX for {$60.00} ). However, Chase has refused to reimburse me for XXXX XXXX ( {$38.00} NEVER SHOP HERE ), XXXX XXXX  XXXX ( {$150.00} where normal shopping is $ XXXX {$40.00} ), XXXX XXXX XXXX  # XXXX ... ( 2 ) transactions for {$150.00} and {$24.00} where I SHOPPED ONCE FOR {$7.00}, XXXX ( XXXX XXXX XXXXXXXX XXXX for {$96.00} where normal shopping is $ XXXX {$12.00} ). ALL OF THESE TRANSACTIONS OCCURRED ON XX/XX/XXXX. ILLEGAL TRANSACTIONS WERE REPORTED TO, AND DENIED BY CHASE FRAUD DEPARTMENT ( SEE CORRESPONDENCE ) ON XX/XX/XXXX AFTER SEVERAL PHONE CALL DENIALS IN XX/XX/XXXX. 

Have you complained to the firm/agency/business? 
Yes What was their response? 
DENIAL OF FRAUDULENT CLAIM SINCE ONLY CHIP CARD HOLDER COULD INITIATE TRANSACTION Date of Transactions : XX/XX/XXXX Place of Transactions Stores in XXXX, AZ Total Amount of Damages : {$470.00} How can SOME, but NOT ALL, TRANSACTIONS BE REIMBURSED. IT IS OBVIOUS SOMEONE HAS AN ILLEGAL DUPLICATE CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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:
on XX/XX/2020 I sent a dispute to all three credit bureaus regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I contacted both Capitol One ( original said Creditor ) as well as the collections agency XXXX XXXX about the debt that theyre saying is mine. I immediately contacted them both upon the collection account hitting my credit in XX/XX/XXXX for {$3300.00}. The debt has never been an Account on my credit report at any time since it was supposedly opened in XXXX. The verification the collections agency sent me in the mail was missing a bunch of information including XXXX room history. Capitol One was not able to provide me any details saying they sold the debt so I had to work with the collections agency. The credit account is not mine! I filed a Fraud dispute with Capitol one in XXXX and never heard back from them validating the debt. The debt is 7 years old and no one can validate its mine. I never have worked with Capitol One in my life. Theres not credit reporting on my credit file ever with Capitol One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I used my Victoria secret credit card to purchase 5 Victoria secret gift cards. 3 of those gift cards were put into my fiancs Victoria secret app. Which was hacked and our personal information was placed in that app and the money has been stolen from us along with our information. And Victoria secret confirmed during my phone call today XX/XX/2021 at XXXX than someone else not matching mine or my fiancs names nor our addresses did use our money and they verified that and then sent us in a circle of hours long phone saying they made a case and determined nothing needed to be done. That our information has been hacked from their Victoria secret app. And our money us been stolen from their app. And they want to bury the issue. I want our money back and our personal information protected we are going to file a police report against Victoria secret for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have sent several dispute letters to XXXX and Transunion requesting they do an actual verification on a charge off account that is incorrect, the name of the furnisher is XXXX XXXX XXXX XXXX. The account is showing active and closed on different credit bureau reports, and other incorrect information being reported. All 3 credit bureaus are supposed to provide accurate information ( the same information ) and update or delete. XXXX and Transunion continues to say they have updated and verified the information but nothing has changed. This is violation of both FDCPA and FCRA. 

The other company in question is XXXX ( XXXX ). I have never seen XXXX ( supposedly original creditor ) reported on my credit reports or on public records. Out of no where when I was able to remove fraud accounts off of my report, this account appeared with incorrect information. I have asked XXXX to investigate and they came back every time saying that the account is verified as accurate. This company is also reporting false information on my credit reports which is violation. I asked XXXX to have the company verify how I am affected by natural disaster, but they did not do an actual verification. Why would a furnisher claim that a consumer is affected by natural disaster and not provide proof? I have no knowledge of this account at all.

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 2021-02-12 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: MO

Complaint narrative:
On XX/XX/20, I sent a letter regarding this inaccurate items on my credit report and not received a response yet. I feel that my dispute is being wrongfully ignored, and know request these accounts be deleted per 611 ( a ) failure to investigate these items within 30 days gives reason to remove these items from my credit report. If this issue is not corrected I will file for litigation. Additionally, my credit was impacted by the XXXX data breach.

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 2021-02-12 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: MO

Complaint narrative:
On XX/XX/20, I sent a letter regarding this inaccurate items on my credit report and not received a response yet. I feel that my dispute is being wrongfully ignored, and know request these accounts be deleted per 611 ( a ) failure to investigate these items within 30 days gives reason to remove these items from my credit report. If this issue is not corrected I will file for litigation. Additionally, my credit was impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I reached out to Portfolio Recovery Association, LLC. 
XXXX XXXX XXXX. 
XXXX, VA XXXX Re : XXXXXXXX XXXX {$480.00}, {$710.00}, {$490.00} I sent a letter to this company and all three credit bureaus disputing the debt in XXXX. Portfolio Services responded with only one bill showing incorrect name and incorrect address. One the credit report it is showing incorrect address, incorrect name, an incorrect date of last activity on all three bureaus are different. When asking for the credit bureaus to revalidate the debt to verify what company was reporting the incorrect information Portfolio Recovery Association, LLC. however, I have never signed a contract with this company. They can not verify the debt belongs to me. They can not verify a contract. This company could not show proof of the debt. This company violates the Fair Credit Reporting agency. They did not verify their proof of trying to contact me to validate the date, they did not report telephone calls for collecting the data, they did not validate they are approved by XXXX XXXX law to provide collection services in XXXX. Furthermore, the date of the debt showing on my credit report dates back to XXXX as date of last activity on my credit report. However, on XXXX, the date of the last activity shows XXXX and finally XXXX. 

The Federal law of Consumer Fair Credit Reporting states " all Credit Bureaus must report accurate information. Collection Agency in the State of XXXX has to show proof they can collect in the state of XXXX. Prior to placing any debt on your credit report, they must show due diligence proof that they made attempts to collect, verify and notify the debtor of the actual debt. I have never heard from this collection agency. When trying to get them to validate that this debt in fact belongs to me they did not send any contractual proof where I authorized their company or any other company to have access to my personal information. 

I also placed a security freeze on XXXX XXXX, XXXX, XXXX XXXX, and XXXX as well as requesting all companies send me an accurate and up to date credit report so I can dispute inaccurate information. I have not received any information from XXXX. All other agencies have verifiable credit freezes. I am in preparation to take these companies to State Court and Federal Court if necessary to ensure as an XXXX American Female my rights are enforced and upheld by the courts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item 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 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In XX/XX/2020, I ordered several items in 2 different orders from XXXX. I have been complaining about items not received, wrong numbers of items, damaged and wrong items sent since XXXX. They also billed a XXXX  credit card instead if the method I put in to be charged. They refuse to correct anything, give me ways to return the defective and wrong items, refuses XXXX accommodations and are simply horrible. The ceo refuses to correct and has a horrible person repeatedly harassing me. They were repeatedly told to stop, I blocked their email and so they have robocalls calling approximately 20 times per day on both my home and cell phone. The calls come from multiple numbers and clog up my voicemail, etc. This has been ongoing for weeks and they refuse to correct, cure, stop discrimination and stop harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
On my credit report I was looking into, I noticed that the information that was on my credit report that was reported for my Vehicle Loan and the Company, has reported in correct information as with they have not reported to the credit bureaus monthly as agreed when I purchased the car. They have incorrect, false information that has personally not helped my credit score whatsoever since opening the loan last year. Theyve reported spotty and also reported I was 90 days past due one month which is incorrect. The payment amount monthly I pay is incorrect as with the balance and initial loan amount. Ive contacted them and they said they would contact me back but I never heard back. I sent messages as well detailing the mistakes and inadequate information being reported and they never responded. But they did harass me and contact me via phone, text and email daily when i was past due with my payment. But now refuse to contact me back, or state that the information they have doesnt reflect that. I was denied a credit card based on the information they reported that is incorrect, false and not true. Ive not seen a credit score increase at all since getting this vehicle loan, and I wanted to get help as they are required to report to my credit bureaus monthly with correct information. They have not attempted to fix this information nor provide me with documentation that I can submit to the bureaus detailing opposite information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: EQUIFAX, INC.
State: UT

Complaint narrative:
On my credit report I was looking into, I noticed that the information that was on my credit report that was reported for my Vehicle Loan and the Company, has reported in correct information as with they have not reported to the credit bureaus monthly as agreed when I purchased the car. They have incorrect, false information that has personally not helped my credit score whatsoever since opening the loan last year. Theyve reported spotty and also reported I was 90 days past due one month which is incorrect. The payment amount monthly I pay is incorrect as with the balance and initial loan amount. Ive contacted them and they said they would contact me back but I never heard back. I sent messages as well detailing the mistakes and inadequate information being reported and they never responded. But they did harass me and contact me via phone, text and email daily when i was past due with my payment. But now refuse to contact me back, or state that the information they have doesnt reflect that. I was denied a credit card based on the information they reported that is incorrect, false and not true. Ive not seen a credit score increase at all since getting this vehicle loan, and I wanted to get help as they are required to report to my credit bureaus monthly with correct information. They have not attempted to fix this information nor provide me with documentation that I can submit to the bureaus detailing opposite information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On my credit report I was looking into, I noticed that the information that was on my credit report that was reported for my Vehicle Loan and the Company, has reported in correct information as with they have not reported to the credit bureaus monthly as agreed when I purchased the car. They have incorrect, false information that has personally not helped my credit score whatsoever since opening the loan last year. Theyve reported spotty and also reported I was 90 days past due one month which is incorrect. The payment amount monthly I pay is incorrect as with the balance and initial loan amount. Ive contacted them and they said they would contact me back but I never heard back. I sent messages as well detailing the mistakes and inadequate information being reported and they never responded. But they did harass me and contact me via phone, text and email daily when i was past due with my payment. But now refuse to contact me back, or state that the information they have doesnt reflect that. I was denied a credit card based on the information they reported that is incorrect, false and not true. Ive not seen a credit score increase at all since getting this vehicle loan, and I wanted to get help as they are required to report to my credit bureaus monthly with correct information. They have not attempted to fix this information nor provide me with documentation that I can submit to the bureaus detailing opposite information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This account is closed and was purchased by someone I no longer owe this.

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