vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Today, XX/XX/2021, my Bluebird  application, website, and card ceased to function. Several transactions were declined at a car wash and at an ATM location. I reached out to their customer service number on my card at XXXX attempting to reach service but they turned their phone system off. I reached out via @ XXXX on XXXX and @ AmericanExpress on XXXX and received no information or help. This issue started around XXXX EST. It is XXXX EST. I can now access my online account via the website but my app and card still do not work. Funds were debited from my account for charges that were declined and I still can not reach customer service to resolve. This is not the first time an outage like this has happened to this institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13 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: SC

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
I have shown proof of incarceration, providing proof that I was incarcerated during the time the XXXX account was open, but my dispute was denied stating that it was accurate. I was incarcerated from XXXX. My ssn and information was found on the XXXX ( See Attachment ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: NY

Complaint narrative:
Attention! My Identity was stolen from me and my Social Security Number was compromised. It was also compromised in the XXXX data breach as well. I contacted my cousin who is a laywer and they stated that I should submit a complaint to the CFPB to ensure that the accounts listed on my Identity Theft Report be removed under the Fair Credit Reporting Act. The FTC report has been filed. I will attach it down below.

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 2021-03-14 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: HI

Complaint narrative:
Beginning XX/XX/2017, I closed all my credit cards and loan accounts. I legally closed all of these accounts with the help of XXXX XXXX XXXX ( " XXXX '' ). XXXX guaranteed me all these accounts were closed. In addition, XXXX promised that they were consolidating all these accounts into one payment of {$690.00} through their sister company, XXXX XXXX. These are the following accounts closed in 2017 : 1. XXXX XXXX XXXX ; 2. XXXX  XXXX ; 3. XXXX XXXX XXXX ; 4. XXXX XXXX XXXXXXXX XXXX ; 5. XXXX XXXX XXXX ; 6. XXXX XXXX ; 7. XXXX XXXXXXXX XXXX ; 8. XXXX XXXXXXXX XXXX ; 9. XXXX XXXX XXXX ; 10. XXXX XXXX ; 11. XXXX XXXX ; & 12. XXXX XXXX. 
Since that time, I have paid off all these accounts except for three ( XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX ). However, I have noticed that the information being reported on my credit reports by Trans Union is incorrect. Trans Union shows that my accounts went into default : past 30 days, 60 days, 90 days, etc. These accounts were closed before they started going into default. I have been disputing this incorrect information with Trans Union for a few years now. Unfortunately, they continue to report incorrect information on my credit report. 
Trans Union claims to have investigated the disputes. By whom? An independendant investigation company or their own biased investigators. In the last four years, I have suffered mentally, financially as a result of these negative remarks on my credit report. Their negative remarks on my credit report continue to bar me from obtaining automobilbe loans, personal loans, & credit cards.

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 2021-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Boeing Employee 's Credit Union ( BECU ) mortgages are serviced by a third party. I have received 3 letters in the last two weeks that are criss-crossing. The mortgage servicer 's are not local and it appears to take about 2 weeks for a letter to reach it's destination. The local BECU office can not help me. On advice of BECU I closed a checking account and opened a new one because of fraud. My mortgage wasn't switched over and no one explained to me that BECU does not work with the mortgage servicer nor do they have the ability to see anything about my mortgage. I was not told that it was incumbent on me to do anything. I had one {$25.00} NSF fee returned already and I am demanding that the 2nd NSF fee be returned as well. I called on XX/XX/XXXX ( the same day I received the XX/XX/XXXX letter ) and made a mortgage payment by phone. No one said anything about a letter being mailed on XX/XX/XXXX and a second NSF charge. I usually pay 1/2 my mortgage every two weeks. Now I have made two full mortgage payments on XXXX and XX/XX/10. The XX/XX/XXXX letter I received today, XX/XX/XXXX, say my next payment is due XX/XX/XXXX. 

The mortgage servicer 's service is abysmal. Menu navigation is long and hold times are ridiculous ( 30-50 minutes ). Their hours are not printed on the letters and after going through a very long menu I was told they were closed with no comment about when they would be open. If I do not get the {$50.00} NSF fee returned I will be submitting another complaint. Fortunately I can afford 3 mortgage payments in one month but I'm sure it would be a struggle for most people. I had paperwork I needed to return to initiate the automatic withdrawals again. After 5 attempts at faxing and the number being busy ever time I sent the paperwork via next day mail ( another XXXX fee ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13 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: FL

Complaint narrative:
Submitted the documents no response

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 2021-03-13 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: FL

Complaint narrative:
Submitted the documents no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX, we turned in the XXXX XXXX leased from XXXX dealership in XXXX. Lease # XXXX through US BANK.The dealership did not ground the car and we get a bill for in XXXX for {$72000.00}. We went back to the dealership and they cut us a check {$720.00} what was owed to us bank.than we get another bill for wear and tear and extra mileage and extra rent that was due.for {$360.00}. Total bill {$1900.00}. We paid the {$360.00} to end of lease payment. I wrote US Bank on XX/XX/XXXX asking for a breakdown of where this extra rent payment of {$36000.00} came from and a wear tear statement when turned the car in back in XXXX, We have not had this XXXX since XXXX and have since got another XXXX back in XXXX. Received no breakdown from us bank, just another demand notice aski g for now {$1500.00}.

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 2021-03-13 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: HI

Complaint narrative:
Beginning XX/XX/2017, I closed all my credit cards and loan accounts. I legally closed all of these accounts with the help of XXXX XXXX XXXX ( " XXXX '' ). XXXX guaranteed me all these accounts were closed. In addition, XXXX promised that they were consolidating all these accounts into one payment of {$690.00} through their sister company, XXXX XXXX. These are the following accounts closed in 2017 : 1. XXXX XXXX XXXX ; 2. XXXX ****XXXX ; 3. XXXX XXXX ****XXXX ; 4. XXXX XXXX XXXX ****XXXX ; 5. XXXX XXXX ****XXXX ; 6. XXXX ****XXXX ; 7. XXXX XXXX ****XXXX ; 8. XXXX XXXX ****XXXX ; 9. XXXX XXXX ****XXXX ; 10. XXXX ****XXXX ; 11. XXXX ****XXXX ; & 12. XXXX ****XXXX. 
Since that time, I have paid off all these accounts except for three ( XXXX ****XXXX, XXXX ****XXXX, & XXXX XXXX ****XXXX ). However, I have noticed that the information being reported on my credit reports by Equifax is incorrect. Equifax shows that my accounts went into default : past 30 days, 60 days, 90 days, etc. These accounts were closed before they started going into default. I have been disputing this incorrect information with Equifax for a few years now. Unfortunately, they continue to report incorrect information on my credit report. 
Equifax claims to have investigated the disputes. By whom? An independendant investigation company or their own biased investigators. In the last four years, I have suffered mentally, financially as a result of these negative remarks on my credit report. Their negative remarks on my credit report continue to bar me from obtaining automobilbe loans, personal loans, & credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: Automated Accounts Management Services
State: AZ

Complaint narrative:
collection agency say that the account is accurate, please validate it. 

please view attach documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I have a Barclay 's UBER credit card that I got several years ago. I hadn't used the card for a while, and received a letter dated for the XXXX of XXXX that stated if the card was not used after 30 days, it would be closed. Upon receipt of the letter, I tried to use it on the XXXX, and saw online that the card had already been closed. I received the letter late, and tried to use the card at the 29 day mark, and was told that it had already been closed. I informed them that the 30 day mark had not yet happened, but they said there was nothing they could do, and that I would have to re-apply. So not only will this impact my credit for the closure, but for me to reapply, will also impact my credit and the longevity of the 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 2021-03-14 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: NY

Complaint narrative:
I am TRULY angry with Capital One I have insisted with several letters that I want to continue with dispute as I am negotiating this charge with ASSUMPTION. I send a explicit letter stating I am taking legal action now and continue this dispute. YET i see Capital rebill charge on XX/XX/XXXX, {$210.00} Please credit XXXX  again XXXX as I am disputing with Assumption still! 
If this continues to happen where I am not the customer in control I will use other credit cards i await XXXX {$210.00} I have given fully my side of dispute. Assumption ignores all circumstances of my dispute and tells Capital no details behind the dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-14 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Today, XX/XX/XXXX of 2021. Bluebird which is by American express informed no one about their cards not being able to use nor can we reach anyone it says invalid number once you press 0 by calling the provided number ON the card .... My transactions were declined with available funds but was declined yet the money was still taken out!!!!!!!! This has to be illegal. Then finally aftet 5hours i finally got passed the 0 for customer service was on hold for an hour and 20min for her to hang up on me after 8min on the phone!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal is constantly holding on to my money! I sold an item on XXXX and I can not withdraw funds. They keep holding on to it by saying we need more verification. Give us 4 to 5 business days. I submitted everything but theres no response! Please investigate. My money is being hold by them unavailable for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation