vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I purchased the flight tickets for my parents from XXXX to XXXX and XXXX to XXXX through XXXX XXXX XXXX. My parent 's return flight was on XXXX XX/XX/2020. My parents visited me on XXXX  XXXX. Now when the return date was coming near, I called XXXX XXXX to confirm whether they are still operating or not due to COVID situation. The response which i got from them is they are still operating but they are operating under the special flights called as " XXXX XXXX XXXX '' and the will not honor my current return ticket and i have to purchase the new ticket which was priced 2 times of my return ticker, they also refused to give any credit and they told me that i can wait for normal flights to be a resume which they don't know by when, because my parents XXXX and XXXX issue they needed to return back sooner, so i asked XXXX XXXX that will they allow the unused ticket to be used later and they told me that yes they would but for same passenger and same flight number and the same location which was not practical at all. Finally, I bought the new tickets with XXXX XXXX. Now because I have not my original ticket and also not getting a refund or credit, i asked American Express to dispute the transactions, and American express came back with the response that i bought through the travel agent and they can not dipute and return my money back, i disputed it two times explaining that to me its fraud where the XXXX XXXX is still operating under the same name and still did not honor my purchased ticket due to increased demand and ticker price, and also not refunded it. 
Also, XXXX XXXX or travel agent is not responding to my emails or phone calls in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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:
Ive been disputing an account paid in full since XX/XX/2020. It is3 months now that account has been paid in full. I reported the dispute with additional documentation from the actual company in a formal letter from the company showing account was paid in full. The dispute reviewer still said the account shows not paid and no change was made. 3 consecutive months of a dispute filed with the documentation including my bank statement showing the payment and still the dispute was not resolved.

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 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: CA

Complaint narrative:
I'm constantly having problems being charge late fees for no simple reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: OH

Complaint narrative:
My Venmo account was used for an unauthorized transaction on XX/XX/2017. Due to the fraudulent activity, I opened up a new venmo account to avoid security concerns. Venmo froze my new account because the transaction on XX/XX/17 was never paid and they will not unfreeze my new account until I pay the amount of the fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: NJ

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: NY

Complaint narrative:
I have received numerous phone calls and voicemails with robot-messages from different numbers. Over the past month, I have received calls and voicemails with the same robotic message about debt and legal proceedings, all from different phone numbers. In XX/XX/XXXX, I was called once on XX/XX/XXXX, twice on XX/XX/XXXX ( with two different numbers ) and once on XX/XX/XXXX. All of these were different numbers with the same message.

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 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a CapitalOne Savor credit card that carries an annual fee. When I signed up for this card, I was assured that I could downgrade it later on to the no-fee SavorOne card. Today CapitalOne denied me this and I will not be renewing the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Dear, I usually make payment on time. I made XXXX payment on time by online, and at that time their website had system problem. My payment was not processed correctly. I found this matter later, and they already reported credit bureau about that payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30 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: NJ

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, US DEPT ED, US DEPT ED, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: NJ

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, US DEPT ED, US DEPT ED, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Someone stole over XXXX from me still waiting on my money to be refuned.

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 2020-09-30 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2020 we received a PayPal notification of 2 transactions at XXXX of {$990.00} and {$1900.00} that were unauthorized and we IMMEDIATELY contacted the company to dispute charges. PayPal responded at XXXX the same night that no fraud was detected, though we just told them that transaction was not us. Then we contacted our credit card company with XXXX XXXX  and they conducted an investigation as well on XX/XX/2020 Dispute ID XXXX with the disputed amount of {$2900.00} and on XX/XX/2020 we received a final Determination letter that our claim was denied because they were unable to confirm with the merchant that the disputed charge ( s ) are valid. If we wish to dispute matter further to contact the merchant directly. 
PayPal only was able to share a name and email : XXXX XXXX XXXX. I researched the sellers email XXXX and it did lead me to a XXXX XXXX possibly at XXXX XXXX XXXX XXXX, XXXX, TN XXXX yet the website XXXX says the seller is also XXXX of an alleged product XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX items and XXXX   XXXX XXXX XXXX XXXX XXXX have no idea what that is or what that means. Nevertheless, I contacted the seller to find out where they sent the product or any information on the buyer, yet without response. We opened several resolution disputes with PayPal as well : Dispute Case ID : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a big lump sum of money into my bank of America account and I don't regularly check my account nor did I receive any notifications from my institution on irregular activity. So when my XXXX XXXX was hacked I was unaware but soon as i found out on XX/XX/2020 I immediately filed a dispute. AFTER waiting over a week for my dispute to finish I was told i waited to late to report the dispute. I also closed my XXXX XXXX and my card the day I found out about the fraud activity.

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 2020-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a saving account with over XXXX in it. I logged in online and set up a transfer of the whole sum to another bank. At the same time, I also send a mail inside the bank 's web portal asking them to close the account after the transfer is made and if there was any interest due to me afterwards, to send it by check to me.

The bank acted on both requests at once. They closed the account first and then when the transfer was executed the account was already closed and the transfer failed. However, I didn't find out about it until several days later when I got an email telling me the destination bank has refused the transfer. Only after calling the issuing bank did I find out that it failed because the account was closed. I also found out that the communication noted down in the account was blaming me for the issue since I requested to close the account. I explained the rep what went
wrong, and asked that the money be transferred again to the external bank. A few days later I found out this transfer also failed and the email again indicated it was refused by the receiving bank. I call the issuing bank to find out that the transfer failed this time because the money has already been sent to me in a check and that is why it couldn't be transferred. I was told the check was mailed to me on the XXXX of XXXX and that I should wait 10 business days, or even more, because mail is slow these days because of COVID. So I waited 13 business days and called again because the check never arrived. This time I was told the check was actually sent on the XXXX of the month so wait a few more days. It is now more than 10 business days since the XXXX, and I have not received the check. It is already 3 weeks since I have requested the money. I am going to call again tomorrow but I also wanted to start this claim just in case it again takes a while for the bank to straighten this out.

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 2020-09-30 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: NC

Complaint narrative:
I have made multiple attempts to get this company to remove the information from my reports but they refuse to do so. I have asked multiple times that they send me a copy of the application because I told them long ago that this account did not belong to Most importantly, the account is outdated and the company continues to illegally report it. I get monthly alerts stating that this account was paid late within the past 30 days and there has been NO activity on the account from what appears to be 2013. This is illegal and they refuse to stop violating laws in place. My credit score has been impacted by a 129 drop because this company reported a payment as late on this inactive account 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 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Back in XXXX my wife and I were evicted from our apartment, The XXXX XXXX XXXX XXXX XXXX XXXX. They sold the debt shortly after, to XXXX. In XXXX we hired a debt consolidation company to negotiate this debt on our behalf. Debt was settled for {$3800.00}, but the company is claiming they only settled under my wife 's name and that I still owe more money. There is no reason my wife would settle without me. We have been married since XXXX. We were both on the lease. We were both on the contract with the debt consolidation company. We are still married. Now they won't honor the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have not been able to go back to Ohio where I get my mail because of COVID and XXXX issued me new card and charged me a fee for it which I didnt know about. I have not been using this and for a long time and didnt even know about it. They are now saying I can cancel the card but still have to pay the fee.

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 2020-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
We Defaulted on our car lease payment in 2018 because the XXXX dealership we leased the vehicle from went out of business. so we called that particular location for a few months but couldn't get a whole of anyone. we were finally able to reach a customer service representative at another location that told us to turn the vehicle in since it was been repossess for the delay in payment which we did. the lease was in both my name and my wife 's. This particular account started reporting on both our credit reports as derogatory. but this account from the get go has always reported inaccurately on my reports XXXX  XXXX  and XXXX  had wrong information on their separate platforms about this account and every time i disputed the errors and demanded that the account been removed from my credit report for been inaccurate the particular error will be fixed but the account will remain. Even though this account was written off as bad debt for the full amount of the vehicul in question after we had made more than half of the aforementioned amount before turning the car in we had a certain Convergent Outsourcing, Inc contact us in an effort to collect the debt. And at this same time this XXXX-XXXX  XXXX went ahead and reported fraudulently on our credit report new payment that we never made and my guest is that they did this to move the status of limitations on this account ahead to the can fraudulently still take our money. Please help us fight this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: AL

Complaint narrative:
My idenity was stolen in XXXX. Since then i have been battling to get accounts that are not mine removed from my credit. The company True accord has an account that they claim is my account. I have asked for verification of the debt many times to which they never adequately verify the debt. i have also sent in doucumentation to the collection company as well as the credit breaus to show that i have been a vicitm of idenity theft, yet they still refuse to remove the account. On ( XX/XX/XXXX ) i wrote a letter to the company offering to settle the debt beacuse my efforts have literally when no where to prove that i do NOT owe this debt. 

This company is hindering me from obtaining a home loan through tactics that are illegal considering i am showing proof that this debt is not mine. Today ( XX/XX/XXXX ) i contacted the agency by phone to do the same thing that i listed in the letter ( to settle the debt for a lesser ammount around {$500.00} ) The agency stated that they can not settle the debt for less than {$500.00} and the amount that is showing on my credit report is around {$1000.00}. I refused to pay the stated amount and wanted to report their illegal tactics. 

Once again, I DO NOT OWE THIS DEBT, but i figured it would be easier to just settle the debt and move on since this company refuses to honor my paperwork that i have sent in many times clearly showing that i have been a victim of idenity theft. I am trying to obtain a home for myself and my young child, i should not have to battle with this company to remove a debt that i do not owe in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lending Club Corp
State: VT

Complaint narrative:
I have had a loan with Lending Club since XX/XX/2019 and every payment has been made on time with the addition of principal acceleration. Lending Club sends regular emails asking me to apply for a new loan with a lower rate, I tested this offer this evening and received a DENIAL due to lack of Lending Club payment history. Uhm ... .help me out here all payments have been on time and accelerated principal. Deceptive advertising and now a hard pull on my credit, hello UDAAP?

Company response to consumer: Closed with explanation