vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Google Compare Credit Cards Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I had XXXX debit transactions for XXXX each. I inquired with XXXX via live chat that they billed me XXXX times for XXXX and didn't they find it suspicious. They told me somebody related to me had to have done it, and would not budge off that position no matter what I assured them of. The next day they emptied my account of my last {$20.00}, leaving me without the ability to purchase food. Being disabled myself with no income, this burden has fallen on my wife hurting our family any assistance is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

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 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 Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2020-08-27 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: Grant & Weber
State: CA

Complaint narrative:
Account states it is in collections. By default it is considered past due. The FDCPA states if an account is in collections there should be NO amount listed as past due only a balance. So why is there a past due balance of {$810.00}. 

This account has failed to provide the necessary documentation to validate this debt. I also requested a copy of a HIPPA release form & they can not provide one. 

I deemed this debt to be unverifiable. 

This is affecting my credit score and hindering me from obtaining new credit.

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 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: OH

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 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 Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2020-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
I have attempted to contact this company regarding three debts that showed up on my credit report. Its time someone said they would send me information. I have yet to receive information and its been over three months since I talk to the last representative. I need to find out more information about these debts, If they are in fact mind I would like to settle them. I am currently unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: OH

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 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 Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX, Home Depot offered me a Store Credit Card with a $ 50-100 reward upon initial purchase of $ XXXX within first 90 days of obtaining credit card ( XXXX ), I purchased various items totaling in amount of {$330.00} within two weeks of receiving the credit card. And I paid an amount of {$280.00} immediately as I received the first bill of {$330.00}. This amount was simply calculated the total Balance of {$330.00} minus the {$50.00} initial offered reward. Later in XXXX, I received another bill in Amount of outstanding balance for {$79.00}, which was stated being the remaining {$50.00} as an outstanding balance plus late fee charges. I called the Home Depot Customer service Dept & the matter I was told was taken care of and the mistakes corrected. Later I received Another Bill, this time for {$120.00} stating the initial {$50.00} balance plus repeated late fees mounting to {$120.00}. I called the Home depot Customer service again & the matter was again, ( I was told ) was taken care of. I asked for confirmation number. She told me simply her name to be used as confirmation code ( GUDRUM ) Later I called the CitiBank ( The bank behind the Home Depot Store Credit Card ) They clearly stated that the Store needs to correct the mistake & they can not be helpful to my case. During this two month, I have been writing emails to the customer Service Dept. at Home Depot ( Four Times ) AND YET TO RECEIVE A RESPONSE TO MY INWUIRY. 
I went to the store as I was told to do so by the Citibank Customer service Dept in the Store in XXXX, IL. They were on the phone with the customer service dept for an extended amount of time with no resolution. The Home Dept appears to be simply unable to correct their mistakes.

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 2020-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/20 this debt collection was placed on my credit report. I have not received any documents regarding this collection, no one as attempted to contact me regarding this account. I have no knowledge of this collection, Whats so ever. This fraudulent account is negatively affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: DE

Complaint narrative:
For six months we have been trying to rebuild my credit and have filed dispute upon dispute regarding the reporting of one of our credit lenders, XXXX XXXX XXXX XXXX for a vehicle loan for a XXXX XXXX XXXX. Time and again XXXX XXXX has reported inaccurate information to the Credit Reporting Bureaus. On XX/XX/XXXX we have paid the loan off, yet it is being told to us by the Bureaus that we still owe either {$2800.00} or up to {$8000.00} on the loan that is satisfied Each time that we file a dispute we are told to send in any documentation that we have showing that the information is inaccurate. Each time we have sent information to the credit bureaus and we have sent these disputes via certified mail and have proof of receipt. We have spent nearly {$150.00} over a six month period disputing these claims with no satisfaction. 

! - the lender is reporting inaccurately 2 - the credit bureau is refusing to accept any requested documentation to overturn the lender inaccuracy 3 - the resulting issues are detrimental and damaging to my credit score and being reported inaccurately and falsely

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 2020-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/2020, US Bank approved my application for XXXX XXXX account number XXXX that was applied under promotion code XXXX. Although I have met the requirements of the offer, US Bank is refusing to credit my account with the promotional bonus of {$300.00} that I am entitled to or to provide justification for doing so. 

The Terms and Conditions of the bonus offer do not preclude a new customer like me from receiving the bonus when opening a joint account with an existing customer. Nonetheless, US Bank is arbitrarily denying the bonus that is payable to me and not to the joint signer. US Bank has not provided me with any documentation to support their position.

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 2020-08-27 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: DE

Complaint narrative:
For six months we have been trying to rebuild my credit and have filed dispute upon dispute regarding the reporting of one of our credit lenders, XXXX XXXX XXXX XXXX for a vehicle loan for a XXXX XXXX XXXX. Time and again XXXX XXXX has reported inaccurate information to the Credit Reporting Bureaus. On XX/XX/XXXX we have paid the loan off, yet it is being told to us by the Bureaus that we still owe either {$2800.00} or up to {$8000.00} on the loan that is satisfied Each time that we file a dispute we are told to send in any documentation that we have showing that the information is inaccurate. Each time we have sent information to the credit bureaus and we have sent these disputes via certified mail and have proof of receipt. We have spent nearly {$150.00} over a six month period disputing these claims with no satisfaction. 

! - the lender is reporting inaccurately 2 - the credit bureau is refusing to accept any requested documentation to overturn the lender inaccuracy 3 - the resulting issues are detrimental and damaging to my credit score and being reported inaccurately and falsely

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 2020-08-27 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: DE

Complaint narrative:
For six months we have been trying to rebuild my credit and have filed dispute upon dispute regarding the reporting of one of our credit lenders, XXXX XXXX XXXX XXXX for a vehicle loan for a XXXX XXXX XXXX. Time and again XXXX XXXX has reported inaccurate information to the Credit Reporting Bureaus. On XX/XX/XXXX we have paid the loan off, yet it is being told to us by the Bureaus that we still owe either {$2800.00} or up to {$8000.00} on the loan that is satisfied Each time that we file a dispute we are told to send in any documentation that we have showing that the information is inaccurate. Each time we have sent information to the credit bureaus and we have sent these disputes via certified mail and have proof of receipt. We have spent nearly {$150.00} over a six month period disputing these claims with no satisfaction.

! - the lender is reporting inaccurately 2 - the credit bureau is refusing to accept any requested documentation to overturn the lender inaccuracy 3 - the resulting issues are detrimental and damaging to my credit score and being reported inaccurately and falsely

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
For six months we have been trying to rebuild my credit and have filed dispute upon dispute regarding the reporting of one of our credit lenders, Credit Acceptance , Inc for a vehicle loan for a XXXX XXXX XXXX. Time and again Credit Acceptance has reported inaccurate information to the Credit Reporting Bureaus.  On XX/XX/XXXX we have paid the loan off, yet it is being told to us by the Bureaus that we still owe either {$2800.00} or up to {$8000.00} on the loan that is satisfied Each time that we file a dispute we are told to send in any documentation that we have showing that the information is inaccurate. Each time we have sent information to the credit bureaus and we have sent these disputes via certified mail and have proof of receipt. We have spent nearly {$150.00} over a six month period disputing these claims with no satisfaction.

! - the lender is reporting inaccurately 2 - the credit bureau is refusing to accept any requested documentation to overturn the lender inaccuracy 3 - the resulting issues are detrimental and damaging to my credit score and being reported inaccurately and falsely ADDITIONALLY, THE LOAN IS NOW SATISFIED AND IS PAID OFF, HOWEVER, YOUR COMPANY STILL CONTINUES TO REPORT INACCURACIES DETRIMENTAL 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 2020-08-27 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: LA

Complaint narrative:
I submitted a dispute to the Experian by certified mail on XX/XX/XXXX and XX/XX/XXXX stating that this was not my account and requesting proof of account and it to 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 2020-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
This is a copy of the certified letter I sent to PNC. 

PNC Bank XX/XX/20 Corporate Headquarters XXXX XXXX XXXX. 
XXXX, Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Dear PNC Representative, I have been a PNC member for about 20 years when your bank grandfathered me in from National City Bank. I  have had a mortgage loan, home equity loan, checking and savings accounts. 
I mistakenly transferred {$2100.00} from my account at XXXX XXXXXXXX XXXX to a wrong PNC debit card number on XX/XX/20 at XXXX. The wrong number is XXXX XXXX XXXX XXXX. My correct debit card number is XXXX XXXX XXXX XXXX. My finger did not record the # 1 on the third set of four digits. 
When I realized the error, I contacted the XXXX Branch office and requested a dispute process. I understand this process can take up to 90 days. I receive a letter a week later indicating the dispute was resolved. I check my account and see that nothing was resolved. 
For the next several weeks in XXXX and XXXX I follow up this matter with dispute personnel. While the process of this matter is very stressful and frustrating, what is even more frustrating is the conflicting feedback that I am getting with the dispute personnel. 
The Ravenna branch manager indicated on two phone calls that he sees it and will forward it to the correct department to handle it. Another person said that nothing can be done because the account doesnt exist. Another person said that what I did was transfer real money and can not do anything and that people lose money all the time. I asked him to send me his answer in writing to me. He refused. This same person said, We dont have a system to get your money back. I tell him that his answer is not believable because the branch manager told me twice that he sees the error on his database. 
The one common message I am getting from your dispute people is that the process has to start/come from the bank you initiated the transaction. Twice I connect your people with the XXXX XXXXXXXX XXXX  ( XXXX  ) with phone number and name. They spoke. XXXX gave PNC the numbers that were entered and the amount entered indicating the first 6 digits are a PNC account. Again, I get the same message that the process has to begin with XXXX. Just yesterday I ask PNC dispute personnel to be specific about what is needed to process this matter. No specific answer is stated to me. Today, XXXX is writing a letter with this information and sending it to XXXX XXXX at XXXX. XXXX XXXX is the current PNC personnel addressing this matter. 
Having been a reliable customer for 20 years with multiple accounts, I am hopeful that this matter can be resolved in a positive way. 
If the account does exist, that PNC can contact that customer and request the funds to be returned. 
Your assistance in this matter would be greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I use a Citi branded Mastercard. I was charged a cash advance fee for using the XXXX service on XX/XX/XXXX. Citi claims this was due to Mastercard changing its terms and conditions. I never received notice of the change in terms and do not agree with this change in terms. Had I received this change in terms I would have objected to the change in terms. Mastercard along with the other card companies are using their dominant market position, and acting together an an anti-competitive method to limit their competition from XXXX and stifle the entrant of this new business.

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 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Back in XX/XX/XXXX, I leased a car through XXXX XXXXXXXX in XXXX MA. ( Which is now a XXXX XXXX ) I already was not happy with my purchase experience. 
Now, This past XX/XX/XXXX, they repoed my car, with no warning & I still haven't got a full explanation of the exact reasoning. 


In XX/XX/XXXX, I was laid off because of the Pandemic, and currently still am. I did email to ask to defer payments, like they offered but didn't receive a response. 

In XXXX, There was an error in taking money out of my account, but in my bank statements, you can see I put the money into my debit that day for my monthly car payment. 

Faithfully, ever since and before this - Hyundai has taken my monthly payments out like usual. 
ON XX/XX/XXXX around XXXX XXXX - My car was repoed out of my fathers driveway. No warning. ( I didn't think anything was wrong, considering my monthly payments were being taken out per usual. ) Shocked this was happening and it was too late to call anyone, I checked every account I could. 

My hyundai account said I had a balance past due of " {$880.00} '' and said the total due was {$1100.00}. 
The woman I spoke with the following morning, said i had to pay {$1300.00} for them to tell me where my car was and {$120.00} cash to go pick it up an hour away by XXXX ( it was XXXX XXXX ) or they could auction my car if they wanted. 

From my account it looks like the total I was charged was {$1300.00}. 

On XX/XX/XXXX, I sent Hyundai a check for {$1400.00}, I checked with my bank, and yes Hyundai did cash this money electronically, but never posted it to my account. 

The following day, XX/XX/XXXX I called and they said I had to wait a few days for me to get out of " repo '' and help me further with my account. 

XX/XX/XXXX - I called and then asked to be transfered to a supervisor, after getting no help - but he also told me he can not help with Repo 's. 
I asked about the missing check, he agreed they have no record of it and to mail in a bank statement to California but said " once we process it, it will be in your account '' My credit score also went down MAJOR because of payments they say I haven't made. 

I am XXXX year old girl. I work hard to make all my payments in a Pandemic. 
Of course, if I thought I had owed money, I would have paid. 
Now, this is going to affect so many things that I won't be able to do in the near future because of bad credit I don't believe I should have. 
I have money that is missing & unaccounted for, and every payment I have been told I owe is different.

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