vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 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: OK

Complaint narrative:
After realizing I had become a victim of identity fraud, I made contact with all three of the major consumer reporting agencies to inform them of this matter. In addition in included several dispute letters and also a copy of an identity theft report. Since reaching out to Equifax, they have yet to provide accurate verification and has failed to abide by the Fair Credit Reporting Act. It has been over 60 days and Equifax has not blocked or removed the fraudulent account in XXXX XXXX acct # XXXX. I have sent Equifax several pieces of documentation including a copy of my driver 's license, social security card, and utility bill with my most up to date current information supporting my claim. Equifax has failed to adhere to sections 605b, 609, and 611. It is clear my consumer rights are being violated and continue to be, in addition of my denial of credit due to inaccurate information being reported on Equifax 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/18 - A Fraudulent security alert was placed on my XXXX  Report, XXXX / XXXX. - A credit card For XXXX XXXX XXXX  was opened and I was never informed and Never Opened that credit account!! 

I didnt notice until I checked my XXXX  report that it was up there, but XXXX  removed it, Now I been dispute it was XXXX  but they no help and sent over all the info! 

THE QUESTIONS IS HOW THE ACCOUNT WAS OPENED IN THE 1ST PLACE WHEN A FRAUDULENT ALERT WAS PLACED ON MY REPORT?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Certegy Holdings, LLC
State: GA

Complaint narrative:
I wrote a check at a XXXX XXXX and my check was declined. 
Date XX/XX/20 Control number XXXX I have written checks their before in the past. I don't write many checks. 
The amount was XXXX, they run the check and it went in the machine and stated it was declined, twice. I called with the account on the receipt to find out why it was declined. 
I entered all the information that was requested. I could not get a answer it would have to mailed to home address. 
I read the info and it stated under reason Not Authorized - reason below 04 A paragraph that does not explain the reason for declining. 
Also the following paragraph Shows no information on file.

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 2020-03-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
On XX/XX/2020 I mailed a certified letter to AD Astra requesting the debt they claim belongs to me. 

On XX/XX/2020 I received what looks like a letter with original creditor and loan type, but no supporting documents or proof of signature baring this debt belongs to me. 

On XXXX XXXX another certified letter was mailed out again requesting the same information again, Also demanding that if this proof could not be provided that it this erroneous debt be removed at once from All reporting Credit Agencies. Yet again I was received on bill dated for XX/XX/2020 with the same bill that was I received in XXXX. This information still did not bare any proof that this debt belongs to me. 

At once I am requesting this information be removed from all of my credit reports. There has not been any significant proof that this debt belongs to me. I have reached out to Ad Astra in attempts to handle this with the consumer with out any success. I have provided proof of the two bills they have mailed baring no proof that this debt belongs to me. I have not received a signed contract or any signature for that matter as any type of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been going back and forth with the credit bureaus about an account reporting on my credit report. It is for XXXX XXXX  Credit Cards. I PAID FOR A DELETION and they are still reflecting on all 3 reports. They have it displayed as a Chargeoff/Collection/Settled for  less than owed and that is not fair because I paid them to delete it off my credit reports entirely. They are reporting unfairly and incorrectly and it is an error they are reporting at all. I also want to submit a complaint against Capital One because they are reporting a late payment for 5 years ago in XX/XX/XXXX and they will not give me proof to verify this and do not respond to my written communication. Lastly, my last complaint I would like to submit is against XXXX  because XXXX is reporting 2 " XXXX  Mortgage Services '' inquiries in XX/XX/XXXX without my permission! XXXX won't provide me with any information regarding these inquiries and I would like to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: MS

Complaint narrative:
I applied for a Discover Card and was approved, then they send me an email to sign so they can verify my information with the IRS, then they close the account. Mind you I received the credit card and couldnt use it. Why approve me and then close the accoit. Discover Card is a SCAM!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover financial services, claim I owe them {$1400.00}, Ive tried to tell XXXX  that this account isnt mine and I want them to delete off of my credit report and they have refused to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
During hardship of XXXX Requested decrease in mortgage payments. When closing XX/XX/XXXX, expecting a payout of XXXX, instead received XXXX. Please review attachments. Requesting calculations of amount of second mortgage totaling XXXX. Modification trail was 3 months and continued until closing.

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 2020-03-24 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: BBVA FINANCIAL CORPORATION
State: UT

Complaint narrative:
In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) warned credit card companies they must reveal the true  costs of 0 percent promotional offers. Credit card offers that lure in consumers and then hit them with surprise charges are against the law. said CFPB Director XXXX XXXX when issuing the warning. Today, we are putting credit card companies on notice that we expect them to clearly disclose how these promotional offers apply to consumers so that they can make informed choices about their credit card use. 

BBVA is in blatant violation of the Truth in Lending Act enacted XX/XX/XXXX, specifically Reg Z subsection B which requires lenders to disclose as ARR the total cost of borrowing. BBVA has failed to do this. In the disclosure sent to me and on their website it shows zero percent APR and a few lines down in small print discloses a 4 percent transaction fee on balance transfers. Again they show Zero percent APR for balance transfers for 13 months of account opening while also charging a 4 percent transactions fee. Obviously if they charge a transaction fee, it is impossible to have zero percent APR and therefore violates TILA and is illegal violating Reg Z subsection B.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XXXX, Zelle indicates that COMPLAINTANT has to use mobile data plan in order to register for a new account. COMPLAINTANT has attempted without use of Wi-Fi Network but sign-up still failed. On  XXXX XXXX XXXX platform, its Zells functionality for COMPLAINTANT is also failing to send verification emails nor show up on web browsers. No other people or organization are having this problem per Zelle 's claim at this time around XXXX XXXX XXXX XXXX. Zelle states it is upto institutions such as XXXX to maintain its Zelle functionality whereas XXXX states it is upto Zelle to fix any platform issue regarding it. COMPLAINTANT is uncertain whether the fault is to be attributed to Zelle, XXXX or to both. 
To add, on XXXX, COMPLAINTANT tried to setup a new account with " XXXX - XXXX XXXX  XXXX '' via Zelle using different email and phone number. However, around XXXX and XXXX XXXX, Zelle indicated that previous attempt of enrollment shows that use of foreign based email server/address has caused the COMPLAINTANT 's signup with Zelle to fail. COMPLAINTANT 's signup still failed upon reinstall of the Zelle app. Interestingly later on, Zelle indicated that it has no retained data of any sort of this new profile COMPLAINTANT is trying to establish. COMPLAINTANT wonders how Zelle representatives became aware of previous attempts for signup when it has no retained data of any sort regarding this incident. Zelle representative claims that it was up to COMPLAINTANT to clean-up any issues or failures as the app is user-based. However, COMPLAINTANT would like to counter-claim that if the Zelle app from its backend server had no problem to start with, COMPLAINTANT then would not have to call in. ( For what is a relatively easy and simple process for any mobile user ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been going back and forth with the credit bureaus about an account reporting on my credit report. It is for CITI Bank Credit Cards. I PAID FOR A DELETION and they are still reflecting on all 3 reports. They have it displayed as a Chargeoff/Collection/Settled for less than owed and that is not fair because I paid them to delete it off my credit reports entirely. They are reporting unfairly and incorrectly and it is an error they are reporting at all. I also want to submit a complaint against XXXX XXXX because they are reporting a late payment for 5 years ago in XX/XX/XXXX and they will not give me proof to verify this and do not respond to my written communication. Lastly, my last complaint I would like to submit is against XXXX  because XXXX is reporting 2 " XXXX  XXXX XXXX '' inquiries in XX/XX/XXXX without my permission! XXXX  won't provide me with any information regarding these inquiries and I would like to report them.

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 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been going back and forth with the credit bureaus about an account reporting on my credit report. It is for XXXX XXXX  Credit Cards. I PAID FOR A DELETION and they are still reflecting on all 3 reports. They have it displayed as a Chargeoff/Collection/Settled for less than owed and that is not fair because I paid them to delete it off my credit reports entirely. They are reporting unfairly and incorrectly and it is an error they are reporting at all. I also want to submit a complaint against XXXX XXXX because they are reporting a late payment for 5 years ago in XX/XX/XXXX and they will not give me proof to verify this and do not respond to my written communication. Lastly, my last complaint I would like to submit is against Equifax because Equifax is reporting 2 " Equifax Mortgage Services ''  inquiries in XX/XX/XXXX without my permission! Equifax won't provide me with any information regarding these inquiries and I would like to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
COMPANY XXXX XXXX HAS A DEBT COLLECTOR ' SUMMITED the WRONG INFORMATION NOT MY DEBT AND REQUEST, PROOF OF WRITTEN CONTRACT.

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 2020-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
This debt collection agency is attempting to collect debt that I have no knowledge of. According to the collection on file, ARS Account Resolution based in XXXX, FL ( XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX ) is claiming I owe {$160.00} from XX/XX/2017. I was fully insured through my employer with a XXXX insurance plan and would not have incurred any medical debt during this time. 

This collection was reported to the three major credit bureaus ( XXXX, XXXX  and XXXX  ) and both XXXX  and XXXX  responded to my dispute stating that I had no knowledge of this debt and proceeded to delete the collection from my credit report. XXXX  has responded to multiple disputes placed by me by " verifying '' the debt but they have not sent me or given me access to anything that explains how this debt is tied to me. 

ARS Account Resolution has not responded to several letters that I have sent them citing Section 609 of the FCRA.

Having this blemish on my credit report ( especially when I have absolutely NO knowledge of it ) is hurting my credit and hindering on my financial independence.

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 2020-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo issued a refund for {$1400.00} on XX/XX/20 and then retook those funds on XX/XX/20. 70 plus days later. Completely unexpected. We filed a claim against a gym for unauthorized charges for tuition and competition fees. Instead of doing their part to protect us from fraudulent charges or unauthorized charges they mixed up the details and sided with the merchant. When asked about this I realized they didn't have any information correct. I had given them the right information but the took unrelated information from the gym and sided with them. It took Wells Fargo 70 plus days to make a mistake and debit our account {$1400.00} in the middle of a financial crisis and covid 19 outbreak and then do nothing to help when I reached out. 30 days in understandable but 70 plus days is wrong. In addition they made a mistake with the claim. The charges are unauthorized and not correct.

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 2020-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TN

Complaint narrative:
Company asks " Send us proof that you have paid the debt and we will be more than happy to remove it from your credit once we have verified with the property that they did receive the payment. '' They should be showing proof that I owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On several occasions ( XXXX ) I have tried to reach someone in costumer service today XX/XX/2020 I tried again to get through and was on hold for over 20 minutes and hung up. 

3 Years ago I have made no more than {$600.00} in purchases, and while making payments on my account with a {$9000.00} limit the interest charges are deducted from the credit limit and the interest was based on the balance each month. this left my interest and charge fess higher than my monthly payment which amounted to around {$240.00} each month. 

In all of this time the interest was so big that it completely eat up the limit balance on the card, which left in me in a vicious cycle of never paying down the money owed. with in 2 years I was able to get the balance down {$2000.00} and I asked Walmart Capital One to reduce the balance down. Now it is back up to the high bank fees and interest charges that have again gone beyond what I can afford monthly the {$240.00}. This is a unfair and infantile game that is forced on me as an consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
( XXXX  # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, FTC XXXX, FTC XXXX ) COMPLAINTANT has used Venmo service without problem in the past with two different bank accounts. Around XXXX, COMPLAINTANT has voluntarily terminated his account. In/About XXXX and on XXXX, Venmo staffs indicated that bank statements were needed to reactivate those bank accounts under his accounts. However, for new accounts, bank statements were not necessary to verify account ownership. COMPLAINTANT has traveled or visited various places with wi-fi hotspots where he is certain that other parties were using Venmo at the time as well as exchanging payments. On XXXX, Venmo has suddenly froze/locked COMPLAINTANTs account to require a photo ID upload. Upon upload ( XXXX ), Venmo went further to require bank statements on all his bank accounts ( XXXX ) related to the Venmo account, contradicting their earlier statements on XXXX that bank statements are only needed when re-activating or migrating from previous accounts to newer accounts. When COMPLAINTANT has questioned whether there was valid reason to place a restriction, Venmo has suspended/revoked his account. On XXXX, Venmo has sent a final Venmo statement that lists all transactions. Interestingly, Venmo has sent an updated statement on XXXX upon being confronted by COMPLAINTANT for sending incomplete information. ( Not to mention that Venmo needed COMPLAINTANTs help for navigating around its own system ). COMPLAINTANT is baffled that PayPal is overlooking whatever security flaw that Venmo to have allowed COMPLAINTANT on its platform as Venmo employees kept recommending PayPal to COMPLAINTANT for transfers instead. On XXXX, COMPLAINTANT has verified with the Venmo representative that the account was to be operational after adding debit card information. To add to the mystery, on XXXX, a phone number that was never used with Venmo was rejected as invalid number upon enrollment. On XXXX, XXXX with Venmo has claims that COMPLAINTANT is too much of a high risk to be allowed on Venmo platform. Citing that previous use of his bank accounts on the platform was problematic, not to mention that ( 1 ) previous account/s were closed voluntarily without issue and ( 2 ) XXXX call indicates that no problem was found by Venmo representatives on COMPLAINTANT 's account as well as insisting that addition of debit card would fix any remaining issue. Venmo staffs are seen disguising their request for bank statements with the use of taking on unnecessary role of enhancing banking security. COMPLAINTANT recalls no action taken on his part to cause this problem, but that Venmo has unilaterally started this unfounded act and later on accuse COMPLAINTANT for being unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: MD

Complaint narrative:
I have been disputing the inaccuracies on my credit report with all three credit bureaus. There are two items on my credit report that I have no knowledge of and, I would like to know how to have this matter resolved. I also disputed directly with the furnisher and they did not provide me with the correct information to validation the 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 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: FL

Complaint narrative:
People pulling my credit reports with out my concend 2 reports every month for over a year time period.

Company response to consumer: Closed with non-monetary relief