vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FISERV FINXACT CORE
State: KY

Complaint narrative:
My credit score started drastically. So i started to do some research. I found out someone somewhere has a bank account in my name. The bank account number is the same as my social security card number. And the billing address is the same on both of these accounts also. And the account name is my name. I would like to know who has ruined my credit? This is not my account. Who is commiting fraud against me?

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 2020-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
In XXXX of 2019, I had inquired about a new vehicle purchase at my local dealership. I had been in contact with a formal sales representative i worked with in the past. He acknowledged that for the purchase of the new vehicle that I would have minimal negative equity and the dealership would cover the rest. On XX/XX/2019 I made the purchase at the dealership. When signing the paperwork, the sales representative did not disclose how much negative equity would go into the new loan. Also, no further explanation of how much my payment would go up and why. I had been lied to or mislead with false advertisements and word of mouth by the sales team. On XX/XX/2019 I attempted to return the vehicle back to the dealership. But had been lied to that it could not be returned when in fact it could have been turned in by a manufacturer purchase deal. I attempted to go through the company on how to return the vehicle but no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA STILL HAS NOT CREDITED THIS BECAUSE ** ( THERE ARE NO TEMPORARY CREDITS TO BEGIN INVESTIGATION FOR XX/XX/XXXX TRANSACTIONS ) ( DUPLICATE ** UNAUTHORIZED TRANSACTIONS. ARE POSTED XX/XX/XXXX ) This investigation took a year to complete and NO REFUND OF FRAUD See attatched FRAUD CLAIM LETTER XX/XX/XXXX XXXX XX/XX/XXXX claim date {$470.00} UNAUTHORIZED ) & TEMPORARY CREDITS MADE PERMANET. see transactions XX/XX/XXXX - XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOTAL {$470.00} ** THIS AFTER XXXX & XXXX REFUNDED BY MERCHANTS. XXXX XXXX {$120.00} XXXX {$210.00} see attatched XX/XX/XXXX statement transactions XX/XX/XXXX XXXX ** KINDLY NOTE ( F ) REFERNCE NUMBER in front of transactions ** MEANS USAA WAS WELL AWARE THESE ARE PREVIOUSLY REPORTED FRAUD. USAA KNOWING POSTED **'DUPLICATE UNAUTHORIZED TRANSACTIONSC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOTAL {$470.00} USAA HAS HELD ME ACCOUNTABLE FOR {$470.00} & {$470.00} FOR 2 YEARS. THIS DESTROYED MY EXCELLECT GOOD CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a Saks Store Card via web application. My application was pending approval until I spoke to a processing representative. The representative approved the application over the phone and read the account number to me. The credit card limit was between $ XXXX. 

I tried to make a purchase online on XX/XX/XXXX, using the account number I received ; however, the order world not process for payment. I called Saks and the representative informed me that a the card was used to make a purchase was made for {$200.00} in XXXX XXXX, NJ on XX/XX/XXXX. I live in XXXX XXXX, CA. I immediately reported the charge as fraud and the representative assured me the fraud department would contact me within 24 hours. 

I either missed or did not receive a call from the fraud department. In XX/XX/XXXX, I contacted Saks to let them know I was still receiving a bill for the disputed charge. Saks claimed I never completed an official claim through Capital One. I contacted Capital One, who completed the fraud claim and assured me the matter was handle. I repeatedly asked for the card to be closed, but the representative insisted the card remain open in order for the dispute to be completed. 

I continued to receive bills in XXXX. I called capital one again and insisted the card be closed. As of XX/XX/XXXX, Saks has been calling and harassing me twice a day for over a month. The calls start at XXXX. I have found no relief through the available channels and the behavior is predatory. I have never had access to this physical card. I was never able to make a purchase. I believe the charge was made by an employee who has access to account numbers. I have exhausted all efforts to find a resolution and the matter is impacted my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I just need my credit report clear of old accounts I was XXXX. And I'm trying to get on my feet again. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have disputed these erroneous accounts with the credit bureau and each and every time they come back as verified with proof that these accounts are mine. I have been a victim of identity theft and I also reached out to the collection agency per the email on XX/XX/2020 and XX/XX/2020 to PRA dba Portfolio Recovery Associates at this email address : XXXX on several occasions requesting : a copy of the original written agreement between the parties, such as the loan note or credit card agreement, preferably signed by me, if the account has been sold to another creditor, then that credit must prove that it has the right to sue to collect the debt. This usually means producing proof that the debt was assigned to PRA dba Portfolio Recovery Associates. Often such proof will be a bill of sale an " assignment '', or a receipt betweent the last creditor holding the debt. Portfolio recovery association is a third party collection agency and they do not/should not be abiding by FCRA laws. FDCPA laws are the laws for third party collection agencies. Portfolio recovery sent me a copy of statements in which I clearly stated that A COPY OF THE ORIGINAL CREDIT CARD AGREEMENT BETWEEN MYSELF AND THE COLLECTION AGENCY/CREDITOR WITH MY SIGNATURE ON IT was the first sentence in the email I requested in the beginning of this dispute.Also, while disputing I stated if there is any negative information on my credit report regarding these fraud/erroneous accounts they need to be removed immediately! I requested this information on XX/XX/2020 and still have not gotten what I requested only a pre-made letter stating verified from the credit bureaus and a copy of some credit card statements that does not pertain to me. Copies can be made from anywhere I need original documentation which Portfolio recovery failed to do. I have screenshot part of the emails that I sent to PRA dba ( Portfolio recovery associates ) and attached as proof that I emailed this collection agency. If the entire email can be forwarded to CFPB I will do so if needed. Remove these 3 accounts immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I had a balance of XXXX on my card and payed about {$1000.00} something back in the beginning of XXXX and my balance still hasnt updated it says that the company last reported in XXXX. I contacted the company and didnt really give me a answer just said to try and pay the full amount i even showed screenshots of my current balance. I made about two or 3 disputes to XXXX  and it did change once but it went back to saying i still have a balance of XXXX out of XXXX a couple days later. Its already XXXX and it still hasnt changed my current balance that i owe as of today is {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Refuses to NOTIFY ME WHY?? THEY REVESED {$1.00}, XXXX CREDITS XX/XX/2019. NO NOTICE OF FRAUD OR DISPUTE NOT IN MY FAVOR?? USAA DOES NOT SHOW INTERNAL CREDIT INFO TO CONSUMERS. USAA CLAIMS ALL CREDITS ARE CREDITED I HAVE A RIGHT TO ** KNOW WHO MERCHANT IS OR WHAT CREDITS ARE ABOUT WHEN CREDITS TAKEN. HOW CAN USAA HIDE CREDITS THEY TAKE?????? I HAVE A RIGHT TO KNOW.!!! I HAVE BEEN HELD LIABLE FOR FRAUD FOR TWO ( 2 ) YEARS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, I live in XXXX XXXX. I sold a very rare collectable Military XXXX Wrist Watch on XXXX for {$3000.00} XXXX on the XX/XX/2020 to a person named XXXX XXXX who lives in XXXX XXXX. I posted the item via XXXX XXXX XXXX XXXX to the buyer on the XXXX of XXXX After 1 week the buyer contacted me on XXXX messenger and asked me for a refund. She claimed that she had not received the item. However, XXXX XXXX tracking parcel showed that the item had successfully been delivered to the buyer. 

Beginning of XXXX PayPal contacted me regarding an open case in Resolution Centre that the buyer has claimed to her bank that she did not receive the item ; therefore her bank refunded her money. Then, PayPal withdrew the money from my PayPal account {$3000.00} and asked me to deposit the deducted amount. I contacted XXXX XXXX regarding this issue and I requested XXXX XXXX  to provide me a photograph document from XXXX XXXX that is indicating the buyers signature, her name and her address. The document clearly shows the buyers signature, her name and her residential address which she successfully received the parcel on the XXXX of XXXX at XXXX am. 

Afterwards, I emailed the America XXXX  document to PayPal Help Centre Seller Protection a few times. Unfortunately, I have not received any response regarding my email yet. I am constantly receiving emails and phone calls from PayPal financial department regarding my negative PayPal account. PayPal now has transferred this case to a debt collector company in XXXX. 

This is my PayPal case information ; Resolution centre Case No : XXXX Transaction ID : XXXX Buyers name : XXXX XXXX ( XXXX ) Items value : {$3000.00} Military XXXX wrist watch Date of purchase : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened a value city furniture account with synchrony bank back in XXXX of 2019. My credit limit was granted for {$3000.00} and my full purchase would of been higher then what I was approved for so I decided to just get the 2 sofas I needed and then pay down my account and purchase the living room table down the road. I have never missed a payment and never late, last week I logged in to purchase the table I wanted and noticed my limit was decreased {$500.00} which now I wasnt able to make the purchase and worst of all this effected my credit drastically!!!! Im down 20 points. I never received a letter or email in regards to this change and the only option Im given is to ask for a credit increase ( based on my credit ) which isnt fair as the decrease in rating will effect the increase and add another inquiry. How is this morally okay? Or why would you do this to a customer who makes sure to pay their payment on time every month

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 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Applied Data Finance, LLC
State: NY

Complaint narrative:
Hello, I took a loan from Personify financials in 2018 in the amount of {$3900.00} A remaining amount of {$1300.00} was sent to a collections agency called XXXX XXXX XXXX last year. In XXXX of this year I called XXXX XXXX XXXX and they agreed that I should pay half of the {$1300.00} and the account will be closed. 

I did pay that but the full amount was still showing on my account until when I filed a complaint. Funny, enough the company has the account as still opened with an amuount of {$650.00} instead of closing the account as settled. 


I would be glad if you could help me with this issue Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Seattle Service Bureau, Inc
State: NY

Complaint narrative:
Hello, I took a loan from XXXX XXXX  in 2018 in the amount of {$3900.00} A remaining amount of {$1300.00} was sent to a collections agency called National service bureau last year. In XXXX of this year I called National Service Bureau and they agreed that I should pay half of the {$1300.00} and the account will be closed. 

I did pay that but the full amount was still showing on my account until when I filed a complaint. Funny, enough the company has the account as still opened with an amuount of {$650.00} instead of closing the account as settled. 


I would be glad if you could help me with this issue Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TICE ASSOCIATES INC
State: NY

Complaint narrative:
My company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had a lease with XXXX. XXXX ( Attached ) that ended on XX/XX/2019, XXXX XXXX charge me rent for the months of XX/XX/2019 and XX/XX/2019. According to their payment ledger that they sent me my rent was paid in full for the entire lease. They sent me Tice Associates collection agency to try and collect monies I don't owe. I spoke with Tice associates several time and explained the  situation and they agreed with me that the ledger showed I was paid and they would contact their client XXXX XXXX to see what could be done. I checked my credit report and found that they reported me to collection.This a total fraudulent claim as my lease was paid full, XXXX XXXX  even over charged me for XX/XX/2019 and kept my {$500.00} security deposit, which he will no return either. I did not even own the company XXXX XXXX XXXX XXXX on XXXX XXXX, I sold it in XX/XX/2019. ( attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/XXXX an automatic funds transfer was set to go to my bank account credit card {$300.00} by the XXXX no acknowledgement that this was happening. On the XXXX I deposited {$200.00} in this same account from my checking account and on XX/XX/XXXX both the {$300.00} and the {$200.00}. were deposited leaving the checking account overdrawn. 
I spoke with an agent from technical support at the bank after waiting on hold for over an hour when a 30 minute wait time was mentioned and the agent asked me my name and I gave it and told him of the issue and he transferred me to claim where after 15 minutes I hung up. This a.m. the problem still exists and I am concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14 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: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX   and XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.

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 2020-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
Ive attempted to contact XXXX XXXX XXXX in the past to dispute debt or due a pay to remove due the fact I dont have a contract to pay them anything nor do I know that person finance company sold a debt to them in order for them collect and Im not sure how XXXX XXXX XXXX found where I lived at when I moved away to a new address I never gave a forwarding address to them nor does XXXX XXXX XXXX have the actual copy of a statement from personal finance company other than they probably got a computer printout from somewhere in order to act like they had the actual contract when they dont since they dont live in XXXX  IL also they tried to an unauthorized credit check without my permission in order to further damage my credit I just want this removed from the credit bureaus they have caused me a lot of financial health problems

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 2020-04-14 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: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report as this is a violation of my consumer protection protection rights.

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 2020-04-14 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: MD

Complaint narrative:
EQUIFAX I HAVE HAD NUMEROUS PROBLEMS WITH EQUIFAX STARTING FROM SOMEONE PURPOSELY CHANGING THE MONTH OF MY BIRTHDATE ILLEGALLY AND REFUSING TO CHANGE IT BACK EVEN WHEN I SENT THE REQUIRED DOCUMENTATION BY EQUIFAX SEVERAL TIMES AND FINALLY HAVING TO RESORT TO ENLISTING THE AID OF THE CFPB AND NOW, THEY ARE INTERRUPTING MY LIFE PROGRESS BY GIVING INCORRECT ADVERSE INFORMATION WHENEVER I APPLY FOR CREDIT. FIRST OF ALL I HAVE APPLIED TO SEVERAL MORTGAGE COMPANIES IN A CLOSE TIME FRAME. THAT SHOULD NOT BE REPORTED AS NEGATIVE. IN APPLYING FOR CREDIT AT CERTAIN VENUES, XXXX HAS REPORTED THAT I HAVE DELINQUENCIES AND EXCESSIVE RECENT INQURIES. I HAVE BEEN TURNED DOWN FOR MINOR CREDIT FOR AS LITTLE AS XXXX FOR A CRUISE. I HAVE A XXXX SCORE WITH EQUIFAX XXXX XXXX WITH EXPERIAN AND XXXX WITH TRANSUNION I RECENTLY APPLIED FOR XXXX CREDIT FROM XXXX XXXX XXXX XXXX FOR A CAR LOAN WITH NO PROBLEM XX/XX/2019. THEY USE EQUIFAX. THIS HAS BEEN AN ONGOING PROBLEM.THIS IS THE RESULT I BELIEVE OF OUTSIDE ENTITIES, SUCH AS MEMBERS FROM A CERTAIN LODGE ENCOURAGING TAMPERING OF MY ACCOUNT. ITS THE SAME ACTIVITY PATTERN THAT I HAVE SEEN IN OTHER AREAS OF MY PROFESSIONAL LIFE. 
I HAVE TRIED TO CONTACT EQUIFAX AND I AM CONSISTENTLY DISALLOWED TO OBTAIN INFORMATION VERBALLY ABOUT MY ACCOUNT. 
I AM SO SICK OF DEALING WITH EQUIFAX. I HAVE TAKEN THEM TO COURT. I HAVE A COURT PROCEEDING WITH EQUIFAX IN XXXX AS A RESULT OF NONCOMPLIANCE. 
THEY ARE LITERALLY INTEJECTING THEIR RETALIATION INTO AREAS OF MY LIFE BECAUSE OF RETALIATION THIS IS ONIMOUS. IF THEY ALLOW OUTSIDE PEOPLE TO INFLUENCE. TAMPERING WITH SOMEONES CREDIT THIS IS A VIOLATION OF MY CIVIL RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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