vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have 2 late payments XX/XX/XXXXand XX/XX/XXXXthat was due to human error. The wrong routing number was inputted in error. We have made all payments before and after and corrected it soon as we was made aware Payment History Youve made 96 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXXCurrent Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Credit Card Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times 30/60/90 days late

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 2019-05-12 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have 2 late payments XX/XX/XXXX and XX/XX/XXXX that was due to human error. The wrong routing number was inputted in error. We have made all payments before and after and corrected it soon as we was made aware Payment History Youve made 96 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Credit Card Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times 30/60/90 days late

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 2019-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of York, Inc.
State: MD

Complaint narrative:
I was alerted on Friday XX/XX/2019 by XXXX XXXX of a 52-55 point drop on my credit score due to a collection account by XXXX XXXX XXXX. This company has never contacted me regarding this debt by either phone or mail, but instead filed negative remarks against my credit score without ever notifying me that this collection existed. I tried contacting them and was immediately directed to answering machine voicemail. I have not received any response from them. The balance with the account in question ( XXXX XXXX ) has been paid in full. I believe this to be unfair practice to impact my credit score without ever being contacted about a collection account that I didn't have knowledge of, and am asking that this be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
Ever since I had cash app, either Im not able to access my funds like I should or they never go through or just like I deposited XXXX dollars on Friday and now they closed my account for no reason and now Im not able to get my money off the account and nor am I able to link another bank or anything to retrieve those funds either.. .this is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: VA

Complaint narrative:
A USPS certified receipt mail letter was sent to Equifax and delivered on Monday, XX/XX/2019 requesting removal of non account holding inquiries from my credit file being that consent ( verbal or otherwise ) was not given or applied to these unrecognizable third parties fro any form of credit or services. On Saturday, XX/XX/2019, I received a reply via USPS mail from Equifax with report confirmation # XXXX stating, A third party may access your Equifax file to assist in underwriting of your request for credit ; if you apply for certain services ; or indicate that you are applying for credit. I neither gave my consent verbally, in writing, or indicated with said companies nor have I applied for any services or credit with said companies with whom these inquiries are listed. They are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX. Equifax provided these companies with my credit profile fraudulently, and refuses to remove these inquiries from my credit report. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report, including inquiries. Equifax has given my credit report to these third parties listed above and continues to knowingly report incorrect inquiry information masked under consumer consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I thought I was buying concert tickets from a private seller and felt comfortable doing so thru Chase bank as they promote XXXX as a quick pay option. On XX/XX/19 I sent {$100.00} to a seller. I never received the tickets. I called Chase 4 times that same evening and got 4 different responses. In the end evn though it still shows pending in my account they are saying there's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have a credit card with American Express. And I have made 500 to {$1000.00} dollars payments in one lump sum more than one time. and they will not report that to the credit reporting Bureau. And I think that's wrong. And I would like for them to report those payments for those months that I made to the credit reporting Bureau. They only report my payments as XXXX dollars and I have made way over that from the day. I've had this card. And that's unfair Credit Reporting practices I think.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
Dear Barclaycard I received two letters from your company dated XX/XX/XXXX claiming that you never got my payments Those payments was mail Two weeks ago I enclosed a check from my XXXX XXXX checking account Check Numbers XXXX and XXXX I enclosed the account Number XXXX and account # XXXX I'm not sure as to why you saying you haven't got them! Since the account was closed I do not have a way to make payments On Lines could you please check your records and verify that I enclosed the correct account numbers for the accounts also if you could please send me a copy of the full account numbers for both card as I know longer have the cards to verify the account number I'm sorry for any inconvenience this may have caused I will be more than happy to call into your payment line and submit another payment But I know it was mailed 2 weeks ago today

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 2019-05-12 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: Paypal Holdings, Inc

Complaint narrative:
Paypal holds a payment form a credit card ( visa ) illegally they said for security sake but it is easy cancell the payment or bring back the operation. 

I think thats illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I cancelled a newspaper subscription back in XX/XX/2019. Despite my cancellation with the newspaper subscriber, my credit card will still charged on XX/XX/2019. I called the merchant on XX/XX/2019 and they refused to refund my credit card. I called Capital One ( my credit card company ) on XX/XX/2019 and asked for the merchant to be blocked, to which the representative refused to honor my request. She told me that is not a possible thing to do. I spoke with a representative in the Capital One Corporate Office and explained my frustrations. She assured me she will address this and connected me with some " higher raking '' customer service representative. She supposedly blocked the merchant and honored a final credit of the unauthorized amount that was charged to my account. I never initiated a dispute, but apparently Capital One did so on my behalf. In a final resolution letter dated XX/XX/2019, I was specifically told the following : " Your credit will remain on your account, and there's nothing you'll need to do. At this time, we consider your case closed even if we provide you with additional details. '' However, on XX/XX/2019, my credit card account was re-billed for the " disputed '' amount stemming from the XX/XX/2019 merchant block request. I spoke with a customer service manager on XX/XX/2019 and was told that the merchant was never blocked from my account and Capital One decided to re-bill my account based upon a refund from the merchant ( back in XXXX, not related to this dispute, and known at the time of final credit resolution ). At this time, Capital One refuses to honor their final credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-12 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: CA

Complaint narrative:
I have several inquires dated back to XX/XX/XXXX from a company called XXXX/ for XXXX , XXXX , XXXX and various other companies I had my identity stolen a year ago and I didnt authorize these inquires. Ive wrote the credit bureaus and the actually companies and they failed to take them off my credit report. I also have two accounts from XXXX XXXX XXXX  for XX/XX/XXXX and XX/XX/XXXX that are fraudulent that I have went back and forth with both the credit bureaus and the actually company and nothing has been done. I have a police report on file as well and they still have yet to fix these errors

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 2019-05-12 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: CA

Complaint narrative:
I have several inquires dated back to XX/XX/XXXX from a company called XXXX for XXXX , XXXX XXXX XXXX and various other companies I had my identity stolen a year ago and I didnt authorize these inquires. Ive wrote the credit bureaus and the actually companies and they failed to take them off my credit report. I also have two accounts from XXXX XXXX XXXX for XX/XX/XXXX and XX/XX/XXXX that are fraudulent that I have went back and forth with both the credit bureaus and the actually company and nothing has been done. I have a police report on file as well and they still have yet to fix these errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have several inquires dated back to XX/XX/XXXX from a company called XXXX for XXXX XXXX XXXX XXXX XXXX and various other companies I had my identity stolen a year ago and I didnt authorize these inquires. Ive wrote the credit bureaus and the actually companies and they failed to take them off my credit report. I also have two accounts from XXXX XXXX XXXX for XX/XX/XXXX and XX/XX/XXXX that are fraudulent that I have went back and forth with both the credit bureaus and the actually company and nothing has been done. I have a police report on file as well and they still have yet to fix these errors

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 2019-05-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
A USPS certified receipt mail letter was sent to Equifax and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded Equifax that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to Equifax to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. As of today, XX/XX/2019, Equifax has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, on XX/XX/2019, the company sent an updated credit file stating that the item was researched and verified. The debt listed was not changed because Equifax " verified '' ( with no paperwork ) that the information reported was accurate. Equifax is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rubin & Debski, P.A.
State: FL

Complaint narrative:
This firm is persistent with harassing phone calls, letters in collection of a debt that is not owed them. They have not complied to my request for the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was a VICTIM of your inquiries Ive tried speaking with customer service representative They would not help and take care of the negative inquiries reporting to my credit report.

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 2019-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019 I went to Wells Fargo to find out why I had no money in the bank as I have twXXXX electronic deposits made at the beginning of the month. My VA XXXX Check and My SSA Check, Upon talking with Banker XXXX XXXX he provided me with a listing of transactions made to my account, On XX/XX/2019 a recurring transfer was made for {$70.00} and a XXXX transfer for {$500.00} and on XX/XX/2019 another XXXX transfer for {$500.00}, upon looking at these statements that XXXX printed out for me there were other transfers made earlier in XXXX, XXXX and XXXX all with overdraft charges. With the printed statements provided to me a total of {$220000.00} was transferred witch caused {$360.00} in overdraft charges being made. I contacted Wells Fargo in XX/XX/2019, that there were unauthorized transfers made to my account. The bank froze my account, my online banking was frozen, they issued me a new account and debit card I had no access to the information as my statements were not mailed to me due to online banking. I contacted the fraud department in XX/XX/2019 and filed a claim as well as XXXX filing a claim in XX/XX/2019. I asked my daughter on XX/XX/XXXX. 2019 to accompany me to the bank to assist me with this issue. She was put on my account to have access to get information from the bank as I am XXXX years old, I cant hear well, cant walk I'm in a wheel chair and it is very difficult to get around. I filed a police report and provided Wells Fargo ( XXXX ) with a copy, the only information I received from them is that since my daughter was added to my account this is when these transfers started which is not true I have been having issues since XXXX, they also claim that I compromised my account, they did not provide my with any other information. The bank sent a social worker out to my house from the adult protection agency to see if there was something happening at home. To date the only information I have received is the denial of any reimbursement from the bank for the above stated reasons.

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 2019-05-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I sent Equifax a dispute concerning inaccurate items on my credit report. Specifically XXXX XXXX, XXXX, XXXX, and XXXX XXXX . XXXX XXXX is reporting inaccurately because a collection can not list a past due amount or terms. Equifax has failed to do a proper investigation in an attempt to leave inaccurate and outdated information on my credit report. XXXX is also a collection account that is reporting inaccurate information because it is also reporting a past due amount and terms. This is a violation of FCRA and I will seek legal action if this complaint does not yield deletion of this negative information. I think it is ridiculous that the credit bureaus are allowed to report inaccurate information and just believe anything furnished by the creditors. Furthermore, neither XXXX or XXXX funding never validated the debt as required by law and as they would be instructed to do in a court of law ( they would be required to prove they own the debt ). I sent debt validation letters and they never responded. You can not just claim to own debt without proof. Lastly, Equifax is reporting two outdated accounts which should have been deleted XX/XX/XXXX based on the First date of last delinquencies. However, Equifax continues to allow XXXX and XXXX XXXX to report inaccurate late payments, different lates for years and they are reporting this inaccurate information across all credit bureaus. Both of these accounts are OUTDATED and a violation of my rights under the FCRA. THE CREDIT REPORTING TIME LIMIT HAS BEEN EXCEEDED! Stop using that XXXX  system and follow the law! XXXX versus XXXX is case law that states the burden of proof is upon the CRA 's and not the consumer! They have exceeded the 7 year period and I demand deletion! My next letter to Equifax will be from an attorney with an intent to sue if this inaccurate information is not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
Federal law bars XXXX providers and suppliers from billing an individual enrolled in the XXXX program for XXXX Part A and Part B cost-sharing under any circumstances. Consignment violation reported to XXXX XX/XX/XXXX. And is in escalation. This action has negatively effected my credit and I am demanding that it be removed immediately from all major credit reports or I may be forced to exercise my right to persu civil action. Debt from XX/XX/XXXX. XXXX XXXX XXXX XXXX and in collections handled by commonwealth financial XXXX XXXX XXXX XXXX XXXX pa

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: TX

Complaint narrative:
having issues putting a freeze on my credit

Company response to consumer: Closed with explanation