vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I almost died three years ago and I had to go into hardships program with my Walmart Cards. I have been paying my payments got it down to XXXX on one and XXXX on the other then I go into pay and shows XXXX  and capital so I hit on the XXXX as usual set up my monthly payment that was agreed on XXXX a month on each card no interest set for a number of months still paid off. Then I get a letter from Capital One. But when I saw both of the companies listed I called to find out what was going on. The one I make the payment to said it will stay with XXXX. Today, I received 2 letters about each card going to Capital One. So I called Capital One and they said until the XXXX they would be able to see the account coming over but I said my account is closed but I am in a hardship program with the other bank. She said it would still be coming to Capital One and they would have to renegotiate my program. That is a bunch of XXXX because Capital One will not let you be in a hardship program without some interest. They are robbing the comsumers that are financially broke but still want to pay what they owe and not go into a debt settlement program by a company and they make money off of you. This is not right. I had to pay the balance because I got scared about these cards going to capital one. And I was lied to 3 or 4 times. These credit cards companies are getting rich off of people and no wonder there is so much credit card debt because the cost of living is killing our society that are normal. people. I am on a fixed income of Social Security and never went on disability which I should have and worked all my life to end up with nothing. I can't work I am now XXXX years old in bad health. But you need to know how Walmart has done there customers with this credit card situation and jerking them around. That is what a lot of them are doing and these Cable companies are outrageous. They cut your programs you watch due to a conflict and then they still charge the same amount. XXXX and XXXX XXXX are the worst. This put me in a bind to pay those cards off but I had no choice because of what Walmart Credit Services did on Changing to Capital one. Just a scam to get people to get a new card with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted the credit beuarues with no luck on getting this inaccurate information off of my credit report. Talked to reps and still no resolution. 

XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I have {$2500.00} in my Cash App account under tag $ XXXX. When I tried to access my account they requested I open a new account since I didn't have the old debit card with me that was linked to the account. 

I then established a new cash account under $ XXXX. 

Both the old and new account are under email address XXXX. 

I sent an original smail on XX/XX/2019 stating I was unable to access my funds in account $ XXXX. They asked me some verification questions which I submitted promptly. 

Over the next 9 days, I sent 9 follow up emails however haven't received any response. Then I sent over 20 messages to cash app support through the application and still haven't received a response. 

In essence, I believe Cash App owed by Square has illegally prevented me from accessing my funds. Therefore I respectfully request for the FTC to investigate Square and subsidiaries. What they are doing to military and veterans who uses there service is a crime and quite frankly theft. 

Below are the details I sent 9 days ago : Hi, 1. Your first and last name : XXXX XXXX 2. $ XXXX associated with your old account : $ XXXX 3. $ XXXX associated with your new account : $ XXXX 4. The phone numbers and/or email addresses associated with your former account : XXXX 5. The phone numbers and/or email addresses associated with your new account : ( XXXX ) XXXX - XXXX / XXXX 6. Last 4 digits of the debit card The following cards throughout my use of the service : XXXX / XXXX / and card ending in XXXX or last 3 digits of the bank account linked to your old Cash App account **or** the full zip code for the debit card Zip Code for all of my cards were XXXX 7. Last 4 digits of the debit card or last 3 digits of the bank account linked to your new Cash App account : LAST THREE BANK DIGITS : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
XX/XX/XXXX, was original creditor was XXXX a day on my credit card in or around XX/XX/2017. to XXXX XXXX XXXX which i never had an acct. with. i disputed an they said i let someone use my card my wife said which i am not married an it was my girlfriend an she was trying to help m with canceling my credit card after i had suspected bogus charges on several mths before an i worked long hours.contacted local sheriff dept. an they said they never or eldom catch cause internet crime is so hard to trac. so i never reported the crime as i was so busy.know ncb debt collections management have taken over an it never was my debt '. an i had always paid my card in full til this debt an know is gon na be on credit an my credit is bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
The company has not replied to any of my mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: SC

Complaint narrative:
Equifax continues to keep fraud alerts on my credit profile. And will not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: World Acceptance Corporation
State: AL

Complaint narrative:
I have two accounts listed on my credit file that I do not have any knowledge of. On XX/XX/2019, I mailed a letter to the creditor listed on my credit report requesting verifiable proof that the accounts are mine. I have waited over five months for a response or a deletion from my credit report and neither have happened. This dispute is well over the 30 days and should be deleted from all three credit bureaus. I sent the debt validation letter by certified mail. I have uploaded a copy of the certified mail receipt and proof that World Finance have received it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), World Fiance are required by federal law to verify - through the physical verification of the original signed 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. 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. I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification WORLD FINANCE CORPORAT XXXX No contract, contract canceled. Unverified Account WORLD FINANCE CORPORAT XXXX No contract, contract canceled. Unverified Account. 

I am requesting for a deletion from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted the credit beuarues with no luck on getting this inaccurate information off of my credit report. Talked to reps and still no resolution. 

XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2019-10-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: OR

Complaint narrative:
At XXXX XX/XX/XXXXon XXXX XX/XX/XXXX 2019, I went to an ATM to withdrawal money to pay rent. The machine sounded like it was counting money. The door never opened to receive the money, and then it said transaction canceled. I went into the bank that then informed me I needed to contact card issuer. The ATM ate my money. 

I went directly home. checked my Direct Express account and {$360.00} had been removed - {$360.00} I was trying to get and a {$4.00} fee I am not supposed to be charged because this is the first withdrawal of the calendar month. At exactly XXXX I began trying to call the number on back of the card. 

For the next XXXX hours I tried over and over again. Called the number, then entered information just to be told I needed to call back because they were busy. 67 times I did this before I got through. Then the representative got all my information again, and stated she needed to forward me to an escalated dispute department. I was then promptly disconnected. 

I tried calling again 42 times before they closed and never got a person again. 

Next morning, I began at XX/XX/XXXX on the dot. This time it took 119 tries before getting a live person. They took down my information, and said they would send me a packet to fill out that needed returned within 10 days from the time of the call. Gave me a fax number ( which was wrong and I wrote it down twice ). I still haven't received the packet. 

I mailed my story in detail to the XXXX XXXX office. I will do it again tomorrow. I tried faxing only to find they gave me the wrong fax. 

This time it took me 94 calls to get a live person. I had to give them all of my information again just to get a fax number. Double check. Sent fax. This time it went through. 

I am still waiting for this packet which I will both mail and fax. Along with another detailed letter. 

This would be absolutely laughable if it wasn't so horrific. I have seen this has happened before. Disputes should never take this long or be this complicated. I have to pay rent. It took my entire XXXX payment. It can take up to 45 days to get the money back, and that is if they find I was not at fault. 

Direct Express is a ripoff and steals from the most vulnerable. To switch to another direct deposit, I can't simply call because this is Direct Express. I have to go to an office that is over an hour away. I am completely 100 % home bound.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-09 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FLXX/XX/XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2019-10-09 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: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
I was never given information stating that i could dispute this debt.

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 2019-10-09 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: NV

Complaint narrative:
There some accounts that aren't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2019-10-09 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XX/XX/XXXX DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; MED DATA SYS XXXX MED DATA SYS XXXX ARS ACCOUNT RESOLUTION XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet have not remove the late payment that was not correct on my credit report from when I put my student loan in repayment. They gave me 5 late payment for the amount owe on my student loan. Im trying to remove those from my credit file and also negotiate my debt to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MED DATA SYS XXXX MED DATA SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MED DATA SYS XXXX MED DATA SYS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2019-10-09 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: NV

Complaint narrative:
There some accounts that aren't mine.

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 2019-10-09 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: NV

Complaint narrative:
There some accounts that aren't mine.

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