vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX see attatched Reported by USAA account XXXX XXXX ) WAS account ( XXXX ) ** SOLD TRANSFER/SOLD see attatched XXXX  USAA XXXX OF DEBT ** DEBT DISCHARGED {$XXXX}, XXXX XX/XX/XXXX USAA XXXX TO XXXX  FOR FINANCIAL GAIN THEN SELLS ACCOUNT?? I HAD TO PAY THE {$XXXX} IN TAXES. see number on form call more information XXXX XXXX XXXX it is a usaa number that says ANYONE COLLECTING ON THIS DEBT IS ILLEGAL.?? USAA CONFIRMS THIS ACCOUNT IS NOT OWED TO IRS IS DELIQUENT TO CREDIT XXXX & XXXX THIS DEBT CARDHOLDER NOT LIABLE? USAA HAS DESTROYED MY CREDIT. AND SOLD FRADULENT GOODS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Credit Education Services
State: FL

Complaint narrative:
Hello, my problem consists of having paid for services in advance which I come to learn violates the Credit repair Organization Act and then a monthly payment of {$89.00} dollars and during the time I was with them nothing was performed on my file. I had to go ahead and file myself today to do the work that while I was charged, was not performed. 
The company has my bank account and card number and I do not want them to take any more money from me. 

I was contacted by the company that could not charge me for another installment and curious as to no results I checked and saw that nothing was disputed or done on my behalf. I have numerous issues stemming from identity theft and was told I had to mail my license copy to the credit bureaus which I did. Nothing ever came of this. 

I know I was misled and abused and would like assistance by this agency to recover monies paid for work that was never done. The work done now was done today XX/XX/XXXX and can be verified by this agency as it sees fit. 

the company name is United Credit Education Services ( UCES ) XXXX. XXXX XXXX XXXX, MI XXXX and the number they have is : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-19 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: TX

Complaint narrative:
ftc violations attached and noted : The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The FTC alleges that XXXX violated the XXXX order by deceiving its users when the company shared the data of users ' XXXX friends with third-party app developers, even when those friends had set more restrictive privacy settings.XXXXl XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX violated my rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX and XXXX XXXX XXXX reported to the Equifax that I applied for credit in which i never applied for. They have violated my rights to have fair and accurate information on my credit report. 
My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: Byrider Franchising, LLC
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX see attatched Reported by XXXX account ( XXXX ) WAS account ( XXXX ) ** SOLD TRANSFER/SOLD see attatched XXXX XXXX CANCELATION OF DEBT ** DEBT DISCHARGED {$9.00}, XXXX XX/XX/XXXX XXXX REPORTS TO IRS FOR FINANCIAL GAIN THEN SELLS ACCOUNT?? I HAD TO PAY THE {$9600.00} IN TAXES. see number on form call more information XXXX XXXX XXXX it is a XXXX number that says ANYONE COLLECTING ON THIS DEBT IS ILLEGAL.?? XXXX CONFIRMS THIS ACCOUNT IS NOT OWED TO IRS IS DELIQUENT TO CREDIT REPORTING & SELLS THIS DEBT CARDHOLDER NOT LIABLE? XXXX HAS DESTROYED MY CREDIT. AND SOLD FRADULENT GOODS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX see attatched Reported by XXXX account ( XXXX ) WAS account ( XXXX ) ** SOLD TRANSFER/SOLD see attatched XXXX XXXX CANCELATION OF DEBT ** DEBT DISCHARGED {$9.00}, XXXX XX/XX/XXXX XXXX REPORTS TO IRS FOR FINANCIAL GAIN THEN SELLS ACCOUNT?? I HAD TO PAY THE {$9600.00} IN TAXES. see number on form call more information XXXX XXXX XXXX it is a XXXX number that says ANYONE COLLECTING ON THIS DEBT IS ILLEGAL.?? XXXX CONFIRMS THIS ACCOUNT IS NOT OWED TO IRS IS DELIQUENT TO CREDIT REPORTING & SELLS THIS DEBT CARDHOLDER NOT LIABLE? XXXX HAS DESTROYED MY CREDIT. AND SOLD FRADULENT GOODS.

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 2020-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently contacted Capital One couple of months ago for a replacement card, thinking i'd lost my wallet. More recent conversations took place XXXX XXXX and XXXX.Which is when I learned about my account had been closed ( permanently ) except to make payments. After a few phone calls made to them going back and forth ( even writing them a letter regards to there must be a mistake ), but to no avail. I prompted an initiated an investigation. And it wasn't until then that they said they'd look into into.Said they would contact me back in ten days. So I marked my calendar including and excluding the weekends to assure my prompt attention. But no call came.So I contacted them back.And they implied they had called. Since they could not provide me with any more information other than claims of what was owed.I asked them could they provide me a copy of the transaction or transactions they were looking at because I didn't have a clue? He stated he could not.Because that was his information, however I could send them my information to prove myself.I told him I'd been with XXXX XXXX XXXX since 2003 and in good standing.Therefore I wouldn't do nothing like this.My only fault is not reading my statements.Because I just felt i just needed to pay my bills.He then put me on hold to see if he had the authority to provide me more information, then came back and asked me how many banks I did business with? I informed him only XXXX XXXX XXXX and my Capital One card.He gave me a name of a supposedly bank called XXXX or XXXX. There was a charge for over {$500.00} made to my credit card in this past XXXX, Capital One explained to me.And I'd just started working XXXX the XXXX.? Which I looked it up and then called them immediately.The number Capital one provided me was XXXX.The recording stated there were 989 people ahead of me! Thinking this was a glitch, again I called the next day and the same thing. Now I'm not sure what's going on. But I don't know anything about these charges and want them removed. Also I'm having problems getting other credit cards because of this.I don't do stuff like this, I just went to XXXX  school to attempt to make a better life for myself two years ago.And I don't fault Capital One for being in a position to have to do this, but I didn't do this.However i want this fixed.Investigate and give another chance because of my paying history, and I'm trying to get justice. I'm not a computer savvy person, I wouldn't know how to do nothing like this. ( not that I'd want to )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PREVIOUSLY DISPUTED AN ACCOUNT THAT I NOTICED WAS ON MY PROFILE WHEN I REVIEWED MY CREDIT REPORT, DISPUTED THE ACCOUNT 2 TIMES AND NO INVESTIGATION OR RESULTS ABOUT THE DISPUTE WERE RECEIVED AND THE ACCOUNT I'VE DISPUTED WAS PLACED ON MY CREDIT PROFILE IN CONNECTION WITH IDENTITY THEFT, AND HAS REALLY AFFECTED MY SCORE.

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 2020-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing in regards to an collection account that is being reported on my XXXX  and XXXX   reports every Month with a Balance of {$390.00} this account is not mine. the Company is National Credit Systems.I never signed any Documents with this company. they removed the item off my XXXX  report last year. but it is still reporting negative with XXXX  and XXXX. I know the FCRA states collections, charge offs and late payments should not be reporting if they are closed. especially if they are close ended accounts. I have sent dispute letters. and they always say verified or accurate. they always fail to show me proof. I would like original contracts showing my signatures.I would like these negative items removed immediately. I feel like they are breaking alot of rules. please help me resolve this matter. 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Critical Resolution Mediation LLC
State: IL

Complaint narrative:
The place said in a message to my sister her full name and mine and a case number on message on her number. They threatened to sue my sister and me. I never got any correspondence or notice of a lawsuit from this place. When I called about phantom debt they never said yiu they were and never asked me to verify old information they had on me but couldnt let me know who the creditor was specifically, the dates the debt had occurred. They forced me to give my cureent information to them by threatening to sue me, garnish my wages and harass me with calls from spoofed numbers. I never got any correspondences or notice of a lawsuit from this place. I refused to sign a payment authorization after I searched the number they called my sister from and found out same number that calls for work from home job scam too. I have talked to multiple lawyers that say they have filed lawsuits against this place and they never respond back to them. Proof that they are scamming people about a phantom debt. They do not follow the FDCPA Law. The spoof numbers are XXXX. XXXX XXXX XXXX XXXX. 

The company number is XXXX. XXXX. And they person in the message is XXXX XXXX. When yiu call the spoofed numbers they go directly to his line. 


The XXXX number is a work from home scam number also which I have gotten harassing calls from them too same person XXXX XXXX. They call you from spoofed numbers about job opportunities They refused to mail me proof when I asked them to of showing the dates that phantom debt is from and to prove that they have it. 


The case number they said on the voicemail was # XXXX and calling from XXXX XXXX XXXX XXXX and person calling was XXXX XXXX Email address for them are XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Began calling a few days after missed credit card payment. Calls as much as 30 times per day, every 15 minutes. No day passed without at least 10 calls. Using phishing phone numbers from my area code. Using as many as 18 different phone numbers. When I called the phone numbers back, they ALL answered " Capital One. '' Never leaves a voice message, just incessant malicious harassment at a time of national coronavirus crisis when they know millions are struggling financially which makes this behavior all the more heinous. When I complained about the calls, they suspended my credit cards. Thanks to cellphones, everything is recorded and documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello CFPB officials, Somebody made a payment to my credit card account with Bank of America. I spoke to customer service, they are unable to mark the payment as fraudulent. They are unable to remove the payment made to my account. I am concerned that either somebody has tried to make a payment into my account fraudulently or somebody has made a mistake. 

The amount paid via direct debit is {$940.00} on Saturday XX/XX/2020. 

Details of transaction : Transaction date : XX/XX/2020 PAYMENT DIRECT DEBIT - THANK YOU Transaction date : XX/XX/2020 Card type : Visa Transaction type : Payments Merchant Name : get more information about merchant name change PAYMENT DIRECT DEBIT - TH Select to Edit the merchant name Transaction Category : get more information about transaction category Finance : Bank of America Credit Card Payment Select to Edit the transaction category Online Transaction : N Type Payment - {$940.00} {$0.00} 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 monetary relief
Consumer complaint received 2020-04-19 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:
PREVIOUSLY DISPUTED AN ACCOUNT THAT I NOTICED WAS ON MY PROFILE WHEN I REVIEWED MY CREDIT REPORT, DISPUTED THE ACCOUNT 2 TIMES AND NO INVESTIGATION OR RESULTS ABOUT THE DISPUTE WERE RECEIVED AND THE ACCOUNT I'VE DISPUTED WAS PLACED ON MY CREDIT PROFILE IN CONNECTION WITH IDENTITY THEFT, AND HAS REALLY AFFECTED MY SCORE.

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 2020-04-19 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: FL

Complaint narrative:
PREVIOUSLY DISPUTED AN ACCOUNT THAT I NOTICED WAS ON MY PROFILE WHEN I REVIEWED MY CREDIT REPORT, DISPUTED THE ACCOUNT 2 TIMES AND NO INVESTIGATION OR RESULTS ABOUT THE DISPUTE WERE RECEIVED AND THE ACCOUNT I'VE DISPUTED WAS PLACED ON MY CREDIT PROFILE IN CONNECTION WITH IDENTITY THEFT, AND HAS REALLY AFFECTED MY SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OH

Complaint narrative:
So on XXXX2020 I got a deposit from state of Ohio unemployment on my US bank reliacard. I had been usuing the card for months now, I cant make a purchase, it keeps declining. I cant get money from an ATM either, it says card deactivated. I tried calling the number on the back of the card 10 plus times waiting on hold for more than an hour then it hangs up on me. So i think i need a new card or something. But Cant get through to customer service.called the banks and they said they cant help to call the number on card and i explained I tried all week and cant get through. i need the funds to use for my family please help.

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 2020-04-19 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: MS

Complaint narrative:
According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. You have failed to positively verify these accounts. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX I have contacted the Creditor listed above, and demanded they send me the original sign contract. They have not provided me with original signed consumer contract. The account can not be verified. 

The unverified items listed above remain on my credit report in violation of Federal Law. You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA-you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I AM A LITIGIOUS CONSUMER AND FULLY INTEND ON PURSUING LITIGATION IN THIS MATTER TO ENFORCE MY RIGHTS INDER THE FCRA.

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 2020-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: SC

Complaint narrative:
This is my second complaint about this account!! Its not fair how im being treated by capitol one.!!! They are constantly causing big credit score drops because of them removing late fees then replacing them back ... i just recieved a 73pt drop ... i have always paid on time my account was closed without my knowledge due to them claiming fraud i have never called them about fraud on my account.! and capitol one never called me to inform me about fraud!! I'v made them whole and paid off the account and they have not done right by me!! I want all negative/late payments removed! This issue is not my fault and i should not be punished due to the lack of communication and professionalism on the matter of this account!! Please make things right because as of today they are still reporting late payments and they should not be!

Company response to consumer: Closed with explanation