vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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:
Personal information Name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Generational identifier - Year of birth XXXX Addresses XXXX XXXX, TXXXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX  correct information above not correct : XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX, TXXXXX Unknown payment history {$44.00} Balance updated XX/XX/XXXX Account info Account name XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$44.00} Balance updated XX/XX/XXXX Original amount - Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement Account name XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$44.00} Balance updated XX/XX/XXXX Original amount - Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement now equifax : same

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 2020-12-17 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Personal information Name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Generational identifier - Year of birth XXXX Addresses XXXX XXXX, TXXXXX-1345 Employers XXXX XXXX XXXX XXXX XXXX XXXX correct information above not correct : XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX, TXXXXX Unknown payment history {$44.00} Balance updated XX/XX/XXXX Account info Account name XXXX Account number XXXX Original creditor XXXX XXXX XXXX Company sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$44.00} Balance updated XX/XX/XXXX Original amount - Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement Account name XXXX Account number XXXX Original creditor XXXX XXXX XXXX Company sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$44.00} Balance updated XX/XX/XXXX Original amount - Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement now XXXX  : same

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

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 2020-12-17 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:
Hello, I am writing this letter in order to clarify the situation where I do not recognize none of these accounts. Please check it and remove as maybe somebody used my name or my personal data. I do not know how they appear in my 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 2020-12-17 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: CITIBANK, N.A.
State: NH

Complaint narrative:
On XX/XX/XXXX we purchased a trip to XXXX all-inclusive through XXXX we charged {$2400.00} on our LL Bean Mastercard credit card ending in XXXX. The trip was for XX/XX/XXXX thru XX/XX/XXXX. XXXX came and the pandemic had just started to hit, we called XXXX on XX/XX/XXXX about cancelling and they told us we would lose our money if we cancelled because the hotel had already been paid but we could contact the airlines about reimbursement for the flight. We had spent {$5000.00} total on this trip, we put half on another credit card and then {$2400.00} on the LL Bean mastercard, we didn't want to lose all our money so we decided to go thru with the trip as there was no travel restrictions to XXXX at that time. We flew down on the XXXX arrived at airport where we were supposed to get a ride to the hotel and we were told that XXXX went out of business and never paid the hotel and so if we wanted to stay we had to pay a second time for this trip ( Another {$5000.00} ) we did not have that money. They brought us to the hotel and as I was arguing with the hotel, my son called and said the state department had ordered all american citizens back into the country, so we paid for the hotel that night and flew back the next day. The other credit card company refunded our money immediately when we notifed them of how we were ripped off by XXXX. However I have made numerous telephone calls and written twice to LL Bean Mastercard and they keep saying I would have to had disputed this charge within 60 days in order to get reimbursement. I asked how I could do that when the trip was more than 120 days later and they will not reimburse me. I thought Mastercard had a policy that trips are not included under the 60 day policy because people book trips a year in advance sometimes and it would mean that most people 's trips would not be covered. This was our XXXX anniversary which was ruined and since getting back, we literally spent 23 hours in XXXX, we are essential workers and have been working nonstop, we would appreciate some assistance with this. At this point the company is not even responding back to me. I have all paperwork to back this up.

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 2020-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
I have made payments in the store most recently XXXX, XXXX and XXXX and they never get applied. Instead I get a refund check from Target to reapply. I have been hit with interest XXXX and XXXX I am asking for adjustment. The last payment I made was {$1500.00} in the store.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: NY

Complaint narrative:
Dear CFPB, I desperately need your help. I'm being neglected by XX/XX/XXXX XX/XX/XXXX and Equifax. I sent them a letter sixty days ago regarding my disputes. I still haven't received a response yet. All three bureaus are in violation of the FCRA. I need these accounts be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: NY

Complaint narrative:
Dear CFPB, I desperately need your help. I'm being neglected by XXXX, Transunion, and XXXX. I sent them a letter sixty days ago regarding my disputes. I still haven't received a response yet. All three bureaus are in violation of the FCRA. I need these accounts be deleted immediately.

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 2020-12-17 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: CT

Complaint narrative:
XXXX,, XXXX 
Experian.. 
All are reporting different things on my credit reports I tried to dispute but they won't dispute these things on my credit reports, I informed them that I am not aware of these accounts and have no knowledge And they still are showing on my reports.

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 2020-12-17 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I entered into a DMP with XXXX XXXX  in XX/XX/2020. I lost my job in XXXX due to covid, and was unemployed for several months. The only way to get out of this mess is to go to a 3rd party to get a lesser internet rate to paid down my credit cards. It doesnt make sense the consumer has to pay another company, so they can get a lower rate for their credit cards does it? I had to live on them during my unemployment period. Now Barclays XXXX last 4 numbers reported me late without notifying me. I got reported late for under XXXX dollars. I paid XXXX XXXX which then turns around and pays Barclays. In exchange I can get a lower internet rate and payment amount. From my understanding once you enter this agreement with XXXX it doesnt matter what day the payment is received during the month. I pay them twice a month and they then pay my cards. In XXXX after Barclays excepted my agreement from XXXX they didnt change my payment amount and in turn reported my late to the credit bureau.They never sent me a letter. I have asked for them to procedure a copy and they cant. They cant even tell me when I was contacted on the phone but they still report me late to my credit report. I want this removed from my credit card. Can you please help me. I am a single parent trying to pay them back and this is just double standard for the consumer.

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 2020-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
i was sent money on pay pal XXXXt+hey limited my account and wont let me/ transfer money out until 180 day in the amount of {$1200.00} on XXXX XXXX i have called several times to get funds released but they keep telling me the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Spoke with XXXX in XXXX, FL ; Spoke with XXXX, Supervisor on XX/XX/2020. 

Capital One advertised their Capital One Venture One  card to me with promotional benefits and subsequently gave me an offer without the benefits which I accepted with the understanding per their advertising that I would receive the benefits namely their 12 month 0 % APR as well as their XXXX miles ( {$200.00} ) after spending {$500.00} within the first 3 months of having the card open. 

I was not given either of these benefits : the miles and was charged interest on my balance XX/XX/XXXX in the amount of {$21.00}. 

Please review. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2020 I deposited a check for {$1800.00} and cash in the area of about {$450.00} in the ATM at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The ATM had a jam and asked to to approximate my deposit. After doing so it credited my account XXXX for a place holder and said it will be resolved in the following business days. After about a week of not getting contacted I reached out to and they told me no clam had been made and they they will make a claim then and told me I will need to contact the ATM department for further information. After contacting the ATM department that credited me the amount I claimed to deposit and said it will be in review for 30-90 days. XX/XX/2020 I get a letter stating that that a review was made and nothing was found. I find it odd that the ATM put a place hold on my account stating that there was a jam and I called in tell them what happened and they found nothing not even the check. I called the ATM department again on XX/XX/2020 and was told a manager will have to contact me. I happened to miss the managers call so i had to call back into the ATM department. After talking to another rep the said that the manager says the findings are final and nothing they can do. Right now Wells Fargo is a thief, the check i can get replaced but someone at Wells Fargo stole my {$450.00} dollars and I will be changing banks immediately. Please do not use Wells Fargo ATM for your safety.

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 2020-12-17 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: GA

Complaint narrative:
On XX/XX/2020 I wrote TransUnion an dispute letter to remove inquires I did not make nor gave permission to inquire on my credit report. They did not investigate my claims and simply disregarded my letter and sent me a letter saying to respond to the companies.

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 2020-12-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'd like to know how can experain claim to have no record of my credit card in XXXX, that they asked me to review ( detail of my name and picture ) the card via email in XXXX. .how does experian know to ask me to review it, yet doesn't know i have it.? 
SO WE ARE CLEAR, HOW DOES EXPERAIN KNOW I HAVE THAT CARD TO ASK TO REVIEW IT? I HAVE PERFECT UTILIZATION, YET THEY HAVE NO RECORD SO CANT REPORT SO MY CREDIT FILE REFLECTS THAT..I DONT WANT EXPERIAN TO BOOST MY SCORE, JUST REPORT ACCURATELY, MY SCORE WILL BOOST ITSELF ... THE RECORD WILL REFLECT VIA PREVIOUS COMPLAINT THROUGH THE CFPB PROTAL THAT THERES " NO RECORD " THEY STATED THAT LIE AFTER THE EMAIL ATTACHED WAS SENT ... FOR THEM TO SEND ME THAT EMAIL AND SAY MY NAME AND TO REVIEW A CARD, MEANS " NO RECORD " IS A LIE ... THEY WITHHOLD IMPORTANT CREDIT REPORTING INFO TO FLUCTUATE YOUR 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 2020-12-17 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Dear sir, I have purchased a brand new XXXX model XXXX XXXX on XXXX and financed for 72 months. 71 months payments were made without a delay. The last payment was late because of the Covid-19 pandemic affected my finances.

I paid it off the remaining balance and brought the account to XXXX  balance and asked them to do a favor not to report the late payment to the credit bureaus. Instead, they reported, and I wrote them a letter asking to be easy to the customer who makes 71 payments without a delay. 
They did not remove the negative record. 
This record dropped my credit score 64 points at once. 
I feel like I was punished by being a customer in good standing 71 months. 
This is not fair, the pandemic affected lots of people and put them in a financial difficulty.

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 2020-12-17 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My wife and I have been XXXX XXXX members for over 30 years and in XX/XX/XXXX we were on our annual vacation at a XXXX XXXX timeshare XXXX XXXX location. During our visit we attended a NO obligation tour to get for additional points. XXXX XXXX provided false information about the additional points and pressured us to buy XXXX additional points. At this time I was XXXX years old. Mr. XXXX told us, we have 7 days to change our mind with no penalty. The very next day we went to the office to cancel the additional XXXX points. We were told XXXX was not available and he was the only person who could help us. We left the resort, returned home and immediately called, sent an email and a certified letter including the two Barclays cards stating we did not want the additional points ( please see attached ). The cards had NEVER been used and we never received a bill, nor phone call from Barclays. On XX/XX/XXXX we received a letter form a collection agency. After several attempts to resolve this matter we were forced to hire an attorney. On XX/XX/XXXX we agreed to surrender and XXXX XXXX agreed to take back our XXXX points. In addition to the XXXX they took back all of the points and weekly rentals we had accumulated over 30 years!! XXXX XXXX is reporting this account with a XXXX balance, however Barclay 's is reporting we have a balance of over XXXX and it is in a charge off status. I am now XXXX years old, I have lost all of my vacation time, and have lost thousands of dollars in attorney 's fee 's and now an in jeopardy of loosing my home to foreclosure effective XX/XX/XXXX. For three weeks I have been trying to resolve this with Barclays. I have sent documentation to both Barclays and XXXX XXXX and have had no success. I don't not want loose my home. 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 explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I am requesting validation from portfolio recovery associates LLC, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them, and I received a Fake print out from them. 
The FTC has issued an opinion letter on this subject and concludes that an itemized printout does not represent verification. 

Also, add a fake " mini-Miranda check the letter attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
I opened a new account at Ally Bank. I needed to make a car payment through my old bank. My intent was to send money ( {$300.00} ) to my girlfriend via XXXX and have her send it to my old account. XXXX has always been instant, but after three days, my girlfriend still has not received the payment. I moved cash to my old account and paid that way. Now, I made a XXXXXXXX XXXX in 4 payment with the same checking account for XXXX dollars. One came out at XXXX XXXX on XX/XX/XXXX. It came out again today, XX/XX/XXXX also at XXXXXXXX XXXX. I only have one transaction showing in XXXX but two debits in my checking account for that amount. Ally has not responded to my complaints about either issue. It hasn't been that long but I have {$450.00} that I do not have access to currently because of this. 

Ally also claims that they do not see a record of *any* transaction from XXXX in this amount. In the attached screenclip, the payment from the XXXX is the one that is in my XXXX history. The one from the XXXX is the one that is unaccounted for. Again, the Ally agents claim there is no record of either in 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