vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: MO

Complaint narrative:
XX/XX/XXXX XXXXXXXX at US Bank ATM at the XXXX Missouri Branch I attempted to make a cash withdrawal of {$640.00}. The machine sounded as if it was counting cash then displayed a message saying my card is being kept to contact my bank. I went into the branch and was told that my card would be shredded due to me being a Non US Bank account holder. The Funds where taken from my account including a {$5.00} fee. After trying to plead with the branch manger to try and help me it went nowhere and left without my card and no money & the funds no longer in my account. I followed my instructions to take it up with my Bank. After 6 days I was informed by my Bank ( XXXX XXXX ) that I was unable to move forward with dispute with XXXX XXXX because I didn't have a paper receipt. 
I called the Branch trying to get information of any kind as there's nobody who is trying to give me any Update. The Branch Manger informed me that when the ATM was balanced it did not show any overage and that its unlikely I will get my money back in my account. I advised him to check the Video Footage to see if cash was dispensed and was told that it wasn't necessary as everything seemed to be functioning normally. I am very disappointed by anyone 's lack of compassion and value in a " Non Customer '' US Bank just keeps transferring me on a endless loop of different automated lines and wrong departments, it feels seriously hopeless and like a blatant robbery from the ATM owner or operator, or Whoever has access to the ATM to count the funds is absolutely being dishonest about being balanced. It's impossible to not be off {$640.00}, I fill completely powerless and just really need my money as thats a very substantial amount for our household.

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 2020-02-28 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:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2020-02-28 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: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the equifax data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Beginning approximately XX/XX/XXXX, I began receiving telephone calls from a collection agency at my workplace as well as on my cell phone. No message were left, only missed calls. On this same day, I conducted a XXXX search on the collection agency using the telephone number from which the call came. I discovered that the collection agency was using a spoofed telephone number with the area code of the city where I current reside. However, the collection agency is located in XXXX, New York. 

1. I did not give this company permission to call my workplace repeatedly whether or not a message was left. 

2. As of XX/XX/XXXX, it is illegal for a collection agency to use a fake telephone number or " spoof '' telephone number to trick a consumer into answering their telephone. As such, the collection agency is in violation of both state and federal law. 

Additionally, the collection agency has called my work and cell numbers using several different spoofed numbers with the area code XXXX, which is my current area code.

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 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
Debt collector calls 4-5 times in a row. Ive asked multiple times to please call after my work hours since I can not use the phone at work. The gentlemen is very rude, sends texts messages harassing say oh so now youre not going to answer cuts me off, does not let me speak and belittles me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Hans Capital Group dba H&L Automotive Financial Services
State: CA

Complaint narrative:
This 1099 shows H & L cancelled the remaining debt of {$6200.00}, yet H & L is still reporting on my credit that I owe {$6200.00}. The account needs to be updated with a {$0.00} balance because the debt has been cancelled and written off, and can not be paid because they have already reported the amount to the IRS, so on my credit that show be reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MN

Complaint narrative:
This account was handled with the original debtor XXXX and I.C Systems and XXXX  refuse to remove this inaccurate account from my credit report and it is hurting my credit 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 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one bank is reporting late payments to all three credit bureaus XXXX, XXXX  and XXXX. I have never been more than 30 days late on my credit card bill this could be an error the months and year it was reported were XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC
State: GA

Complaint narrative:
I received a phone call from XXXX today, XXXX @ XXXX. The call was a XXXX, and it disconnected without any opportunity to speak to anyone. Through internet research, I discovered that this number is for XXXX, the collections XXXX XXXX XXXX. A medical debt collection 's agency. Their web site is http : XXXX 

This is the thing though. The call was a XXXX and I never had the opportunity to write down anything before they disconnected. In addition, I have never received any written correspondence from this company delineating the debt, nor any correspondence outlining my rights to dispute. 

In addition, I have had this cell phone for only 60 days, and no medical bureau with a debt that is old enough to reach a collection 's status would have this number. And as far as I know, I have no legitimate medical obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: CA

Complaint narrative:
I am filing this report because I was at XXXX XXXX XXXX today XX/XX/20 and I was denied from opening an account with them because of my credit. They gave me a copy of my credit report and when I reviewed it, I saw that there are seven accounts on my credit history that I never opened. I have no idea why these accounts are appearing on my credit or who could have opened them using my information. I have never allowed anyone to open these accounts in my name nor do I have any written/verbal contract with any of these companies ; I have never opened an account with these companies and I never gave them permission to run and access my credit information. I did not benefit anything ( money, services, goods or any other benefit ) from these accounts that were opened without my permission and I already filed a police report regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This 1099 shows XXXX XXXX XXXX cancelled the remaining debt of {$6200.00}, yet XXXX XXXX  XXXX is still reporting on my credit that I owe {$6200.00}. The account needs to be updated with a {$0.00} balance because the debt has been cancelled and written off, and can not be paid because they have already reported the amount to the IRS, so on my credit that show be reflected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28 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: CA

Complaint narrative:
I am filing this report because I was at XXXX XXXX XXXX today XX/XX/20 and I was denied from opening an account with them because of my credit. They gave me a copy of my credit report and when I reviewed it, I saw that there are seven accounts on my credit history that I never opened. I have no idea why these accounts are appearing on my credit or who could have opened them using my information. I have never allowed anyone to open these accounts in my name nor do I have any written/verbal contract with any of these companies ; I have never opened an account with these companies and I never gave them permission to run and access my credit information. I did not benefit anything ( money, services, goods or any other benefit ) from these accounts that were opened without my permission and I already filed a police report regarding these unauthorized accounts.

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 2020-02-28 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: CA

Complaint narrative:
I am filing this report because I was at XXXX XXXX XXXX today XX/XX/20 and I was denied from opening an account with them because of my credit. They gave me a copy of my credit report and when I reviewed it, I saw that there are seven accounts on my credit history that I never opened. I have no idea why these accounts are appearing on my credit or who could have opened them using my information. I have never allowed anyone to open these accounts in my name nor do I have any written/verbal contract with any of these companies ; I have never opened an account with these companies and I never gave them permission to run and access my credit information. I did not benefit anything ( money, services, goods or any other benefit ) from these accounts that were opened without my permission and I already filed a police report regarding these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have been utilizing square for my XXXX  XXXX  for customers to pay invoices for XXXX. Over the last couple days I noticed miscellaneous charges that were not explained upfront before utilizing the app. When looking at the app it shows that specific transfers cost a certain percentage fee to transfer money from Square to my bank account. But, the option that I use which is 1 to 2 business days does not state that there is a fee to utilize this transfer process. When I contacted Square customer service today to ask about the miscellaneous fees that Ive been charged over the month and a half they could not give me a response on why I was being charged these fees nor did they disclose these fees to begin with. When transfers are completed same day to your bank account there it states on the app there is a 1.5 % transfer fee. So why am I being charged a fee when I elect to do the 1 to 2 business days transfer? And the fee is more than the same-day transfer. According to the app when looking at it there is no fee for 1 to 2 business day transfers yet Square has been charging me for each transaction 2.9 %. Square has also blocked me from being able to contact their customer service for up to a week because they said that I was disgruntle. How can you fault a customer for questioning their money?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: WI

Complaint narrative:
We had a car loan with XXXX XXXX XXXX XXXX. The vehicle was sold to XXXX XXXX XXXX XXXX in XXXX XXXX, WI. The title was sent by XXXX XXXX to XXXX XXXX XXXX XXXX to the satisfaction of XXXX XXXX. 

This debt still remains on our Experian credit report. When attempting to dispute it, the first time was immediately after we sold the vehicle, Experian rejected the dispute. Now two years later, we are trying to have this removed from our credit report and Experian website refuses to process the dispute stating they only have to investigate once which was immediately after the vehicle was sold.

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 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My mortgage with XXXX XXXX XXXX XXXX was paid in full. My balance is XXXX on this account and all three credit bureaus are reporting old information.

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 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I pre qualified on my BBVA app for the clear points card a few months after joining this bank and was denied due to too many recent inquiries. First let me say I joined this bank only after a banker telling me that BBVA gives great loans/credit cards to people with a high fico score like me which intrigued men. In reference to the recent inquiries I had just applied for an auto loan so I had 8 recent hard pulls showing on my credit. I called to explain this to the credit analyst to which they told me that sometimes a hard pull will let them see the individual credit inquiries and that they would most likely approve me give my high income and credit score. I went through with the hard app, was asked to verify my ID and Address and then was told I was denied ... an hour BEFORE they pulled my credit. They didnt need to pull it if I was already denied. Now I have an additional hard pull for no reason. I believe BBVA is selective to whom they extend credit to ... regardless of how good their credit profile is. I could go on and on about how disappointed I am with joining this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: NY

Complaint narrative:
I, XXXX XXXX makes this claim that a nationally recognized collection agency known as XXXX XXXX XXXX is trying to collect on debts for a public utility company known as XXXX XXXX, knowing that the legal timeline to enforce any collection on said debt ( s ) have passed a long time ago. However, after several written disputes this collection agency states that the collections will be removed from my Experian credit report XX/XX/2021. This proves that at the very least the legal timeline for enforcement has passed, but I want to state for the record that these two collections are over ten years old each. XXXX XXXX XXXX has re-aged these debts to fit into the 7-year timeline of obsolete information. Another part of my argument is that public utilities can not directly report on credit bureaus, as they are regulated through public service commissions on a state level, and not part of any federally regulated entity such as a national bank, thus the Fair Credit Reporting Act does not apply, and my rights are hereby violated under the Fair Debt Collection Practices Act. XXXX XXXX XXXX is in violation of their subscriber agreement with Experian, knowingly posting unenforceable collections on a consumers credit bureau well past the legitimate timeline for reporting. I ask for a full reinvestigation by Experian and if documentation proves my position, a complete disassociation with XXXX XXXX XXXX would be in order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My mortgage with XXXX aka XXXX XXXX was paid in full. My balance is XXXX on this account and all three credit bureaus are reporting old information.

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 2020-02-28 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I, XXXX XXXX makes this claim that a nationally recognized collection agency known as Transworld System Inc. is trying to collect on debts for a public utility company known as XXXX XXXX, knowing that the legal timeline to enforce any collection on said debt ( s ) have passed a long time ago. However, after several written disputes this collection agency states that the collections will be removed from my XXXX credit report XX/XX/2021. This proves that at the very least the legal timeline for enforcement has passed, but I want to state for the record that these two collections are over ten years old each. Transworld System Inc has re-aged these debts to fit into the 7-year timeline of obsolete information. Another part of my argument is that public utilities can not directly report on credit bureaus, as they are regulated through public service commissions on a state level, and not part of any federally regulated entity such as a national bank, thus the Fair Credit Reporting Act does not apply, and my rights are hereby violated under the Fair Debt Collection Practices Act. Transworld System Inc. is in violation of their subscriber agreement with XXXX, knowingly posting unenforceable collections on a consumers credit bureau well past the legitimate timeline for reporting. I ask for a full reinvestigation by XXXX  and if documentation proves my position, a complete disassociation with Transworld System Inc. would be in order.

Company response to consumer: Closed with explanation