vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
As of XXXX XX/XX/XXXX, i can no longer transfer funds into my savings account. I receive a system error. Due to the holiday weekend, i contacted USAA on XXXX XX/XX/XXXX to inquire what's occurring. The banking agent attempted to make the transfer on my behalf and received the same system error and forwarded me to Web Support who created an incident ticket : INC XXXX. 
I've followed up onXX/XX/XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Each time Web Support states they see {$85.00} transfers occurring. I've advised on each follow up call that i set up bi-weekly transfers at the end of XX/XX/XXXX for the entire XXXX  year, thus those are successful, however, manual transfers are encountering system error on my daily attempts. 

System Error message : Something went wrong and we may not be able to process your transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Capital One Bank absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: TX

Complaint narrative:
TRANSUNION HAS BEEN REPORTING A ACCOUNT WITH XXXX  AUTO AS A REPO WHICH IS INACCURATE. THIS WAS REPORTED ON XX/XX/2020 BUT NO ACTIONS HAS BEEN TAKEN TO REMOVE. 
ALSO A ACCOUNT WITH CREDIT COLLECTION SERV IS BEING REPORTED AGAINST ME AND THATS NOT MY ACCOUNT. THESES ARE VIOLATIONS OF THE FCRA AND I WILL BE SEEKING LITIGATION IF THE TWO ITEMS ARE NOT DELETED IMMEDIATELY. IVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMISSION IN REFERENCEC TO THE MATTER.

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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
I complained about a negative account listed on my report in XX/XX/2020, however when I complained the company pulled my credit report without my consent and leaving an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland credit, they never contacted me! Old credit card that I forgot about from 20. I I paid iXXXX when I retired. No letter from midland credit to collect. They just went straight to XXXX XXXX magistrate court and filed. I found out in XXXX. Magistrate court left a hung note on my house door. I went in person and found out when I told them there was a note hung on my door. Midland credit never sent a letter to me about this just filed at XXXX XXXX magistrate court in ga

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch
State: MO

Complaint narrative:
I received a letter in the about refinancing my XXXX XXXX truck, purchased in XXXX. The company was Autopay, I applied on line XX/XX/XXXX, on XX/XX/XXXX I was denied. My credit scores were in the XXXX. On XX/XX/XXXX I received an email to reapply, I did and was approved on XX/XX/XXXX. I filled out paperwork on line, I had papers noterized and sent XXXX. I was given all the information on a new loan rate, company and dates for new payment. They continue to have me send documents, some duplicate, last being more check stub copies and W2 form on XX/XX/XXXX. Since I've emailed, texted and called the company. They stated my loan was approved and someone would call but nothing since XX/XX/XXXX the. My loan XXXX was XXXX XXXX. The XXXX who was supposed to contact me, was XXXX not sure of that name. I last contacted them XXXX. I have all the emails and texts sent

Company response to consumer: Untimely response
Consumer complaint received 2021-02-26 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: MD

Complaint narrative:
Bureau 's informed me of a mortgage that I'm unaware of. They refuse to remove that, the addresses, phone numbers and other inaccuracies on my file. 
Transunion is the only bureau that granted me a freeze and fraud alert. 
XXXX  and transunion refuse to grant me a copy of my credit report. 
XXXX and XXXX refuse to comply with granting a freeze of any sort. Its clearly fraud happening and I am trying to take control of my credit.

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 2021-02-26 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: Chime Financial Inc
State: NM

Complaint narrative:
Chime states that they are still working on my claim but yet in the same paper they say that there decision is final. this company just lies and lies. i have more than proven that the transactions were not me well before you sent me anything as to why you made your decision You have based your dictions on things that are untrue and things that you say were one way and than when i prove you wrong you say oh no it was this way. ex. on the phone whit your rep i was told that these were in person transactions while i was sitting at work in a different city. yet when i got emails from the company 's XXXX stating that the store was not even open at the time the transaction took place, and had been closed for hours and sent in my work time card, but than you change your story to oh no it was on online transaction. you tell me that i was anticipating the money going into my account. well yes it happens every time i get paid. but it happened before i had been paid and i cant over draft my account more than 20 dollars so how does that work. for a 300+ transaction? 

I have every single time I called in to you written down as well as every email i was sent or i had sent. if you would like to go over them than please let me know that way you can see how contradiction you are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: AMALGAMATED TOKEN SERVICES, INC.
State: TN

Complaint narrative:
Im filing this complaint against CoinList.co on the grounds of lack of communication and poorly placed importance for my personal financial account by the company. 

I have been locked out of my account when I transferred near around {$310.00} of bitcoin to CoinList pro. Once it redirected me to CoinList Pro it required me to sign in. At which it excepted my username and password but I asked for a six digit authentication code that I have never received. Also it stated that if I did not have access to the six digit authentication code to simply use one of my back up codes found in the coin list app which is where I conduct most of my trading. 

However of these 10 codes are used three, each time seeing that code 1 my one being crossed off and saying an error has occurred, please try again. Out of fear of losing my account forever I logged completely out hoping that when I re-logged in it would provide me with the six digit authentication code. 

So now Im completely logged out of the app Ive never been granted access to the website and now I no longer can access my back up codes because when I try to log into the app now its asking me for the same six digit authentication code. The back up codes are saved in my app, I tried to re-register using the same email and coin list exchange recognizes that Email and says that it is already been used.

According to their website under the contact mecategory, they stated to allow Coinlist.co five days to respond due to the unusually high volume of messages being received. 

We are now going on two weeks and after several emails which I have attached as supporting documents, I am yet to hear a single reply from CoinList.co and Since have missed a few opportunities to have my money make me money which I do buy taking one cryptocurrency such as UNI and converting it to bitcoin while bitcoins on the rise then before it falls converting it back over to another cryptocoin or Altcoin Registered on Coin list.co. 

Altogether when I was locked out of my account I had roughly {$1300.00} in there since I couldve easily made that into XXXX or even more therefore I need this handled with the upmost urgency and Discretion. Thank you so much for helping me in this matter please reach me at XXXX or by phone at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX i contacted bank of america [ the bank ] to settle a debt owed on a credit card {$3500.00}. After a long phone conversation and interview with a bank employee an agreement was made to pay off {$1300.00} then 2 paymemts of {$770.00} on XX/XX/XXXX & XX/XX/XXXX XXXX. Over the phone {$2800.00} was agreed upon. 
XX/XX/XXXX {$1300.00} withdrawn. Later in the day the bank left a voicemail. Returning the call i was informed that the agreement was no longer valid due to a technically. I just wish to have the bank honor the deal and no longer be in 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 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service
State: NV

Complaint narrative:
I discovered a debt on my credit report for a service I never had. At first I was given misinformation from them and my peers. They had also told me repeatedly that I am liable if I " get services for anyone '' when I told them I wasn't even at that address and someone used a service under my name ( liable for identity fraud ) which can be corroborated via call recordings. My peers had told me I can pay or settle and unaware of my rights I just let it be. Upon discovering my rights through reading the FDCPA I contacted the company to ask for validation. They claimed statutory validation under 15 USC 1692g ( a ) ( 3 ). The statute however, states " within thirty days after receipt '' and without the successful delivery of said letter did not apply. I attempted through several letters to correct the issue but their only response was template letter. After several attempts and through my previous complaint through this agency, I finally received proof from them that a letter was mailed through their vendor " XXXX '' via USPS. I attempted to verify this by tracking down the whereabouts of the letter but USPS employees notified me as there's no tracking information they are unable to do any investigation into the letter. I need this company to comply with federal statutes and provide validation of the debt through copies if the original contract bearing my signature. If I an legally liable for said debt why are they stonewalling me and attempting to pawn off the burden of on anyone but themselves? The laws and regulations of the FDCPA exist for a reason so please let 's enforce it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc.
State: LA

Complaint narrative:
Repeated calls to my cell phone throughout the day. 

Example : Received calls today, XX/XX/2021 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Regional Management Corporation
State: GA

Complaint narrative:
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Regional Finance Company a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX HAS BEEN REPORTING A ACCOUNT WITH XXXX XXXX AS A REPO WHICH IS INACCURATE. THIS WAS REPORTED ON XX/XX/2020 BUT NO ACTIONS HAS BEEN TAKEN TO REMOVE. 
ALSO A ACCOUNT WITH CREDIT COLLECTION SERV IS BEING REPORTED AGAINST ME AND THATS NOT MY ACCOUNT. THESES ARE VIOLATIONS OF THE FCRA AND I WILL BE SEEKING LITIGATION IF THE TWO ITEMS ARE NOT DELETED IMMEDIATELY. IVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMISSION IN REFERENCEC TO THE MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: TX

Complaint narrative:
TRANSUNION HAS BEEN REPORTING A ACCOUNT WITH XXXX XXXX AS A REPO WHICH IS INACCURATE. THIS WAS REPORTED ON XX/XX/2020 BUT NO ACTIONS HAS BEEN TAKEN TO REMOVE. 
ALSO A ACCOUNT WITH CREDIT COLLECTION SERV IS BEING REPORTED AGAINST ME AND THATS NOT MY ACCOUNT. THESES ARE VIOLATIONS OF THE FCRA AND I WILL BE SEEKING LITIGATION IF THE TWO ITEMS ARE NOT DELETED IMMEDIATELY. IVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMISSION IN REFERENCEC TO THE MATTER.

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 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
Today XX/XX/2021 I discovered that American Express has closed all 4 of my personal & business credit cards due to a business decision by them? I received no warning whatsoever or a call/letter clarifying any matter to ensure my card is active. I have been doing business with them for well over a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: KEYCORP
State: ID

Complaint narrative:
I requested Key bank to reverse the below transaction that I did not authorize Your Subscription Status Your Plans XXXX XXXX XXXX  Your subscription to XXXX XXXX XXXX was renewed on XX/XX/2021. 

Your credit card listed below was automatically charged XXXX XXXX on XX/XX/2021 for another year of protection. 

MY BILLING INFORMATION Order Number : XXXX Name : XXXX XXXX XXXX Card Ending In : XXXX Total Amount : XXXX XXXX Product Serial Number : XXXX XXXX Logo Hi XXXX XXXX XXXX, Thank you for ordering from XXXX. At your request, or at the request of the fulfiller and/or the manufacturer, we wanted to let you know that the items listed below have been refunded from your order. 

You can also find this information in your XXXX account. 

Your XXXX  Team RMA Number : XXXX Amount Refunded : {$100.00} Name : XXXX XXXX XXXX Order Date : XX/XX/2021 The representative XXXX told me she would have to cancel my atm card, I told her NO do not cancel, and I have gone through this procedure before with XXXX and they did not cancel my ATM card, I asked to look over the notes in my file, she refused THUS KB did not reverse this UNAUTHORIZED TRANSACTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: MD

Complaint narrative:
Bureau 's informed me of a mortgage that I'm unaware of. They refuse to remove that, the addresses, phone numbers and other inaccuracies on my file. 
XXXX  is the only bureau that granted me a freeze and fraud alert. 
Equifax and XXXX refuse to grant me a copy of my credit report. 
XXXX  and Equifax refuse to comply with granting a freeze of any sort. Its clearly fraud happening and I am trying to take control of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: PA

Complaint narrative:
XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance : {$6600.00} U.S. DEPARTMENT OF EDUCATION XXXX XXXX. Balance : {$1600.00} U.S. DEPARTMENT OF EDUCATION XXXX XXXX. Balance : {$760.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Transunion stated that there is an unauthorized third party in my last complaint and that they needed authorization, Transunion be advised that this account that I have with CFPB is my account that me and my wife XXXX XXXX use together, in my complaint I uploaded a copy of my drivers license and a copy of my social security card, therefore I really don't understand why you said authorization is needed, this is XXXX XXXX and this is mines and my wife XXXX XXXX 's account! You are authorized! Now let 's try this again, PLEASE RESPOND TO MY COMPLAINT BELOW! 

Transunion has Violated the FCRA by not properly verifying to me how they obtained the Bankruptcy information on my Credit Report. Transunion sent me a response letter indicating that the Bankruptcy was Verified as Accurate, In the letter, they listed the Court name address and phone number, which indicates they XXXX be trying to say that they have confirmed through them that the Bankruptcy is Accurate. The FCRA under XXXX and XXXX XXXX says, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the XXXX XXXX Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. The only problem with Transunion XXXX XXXX is, I sent the Court a letter asking if they provide Consumer Bankruptcy information to third parties, such as Credit Bureaus, XXXX XXXX, and the Court sent me a returned letter confirming that THEY DO NOT PROVIDE Bankruptcy information to any third parties, such as Credit Reporting Agencies, therefore, this Bankruptcy is INACCURATE and UNVERIFIABLE and must be deleted! If Transunion says that they did not say they obtained the information from the Courts, they are still in XXXX, because they failed to give me the name, address and phone number of their Furnisher in compliance with the FCRA. All Documents uploaded and attached for proof and verification.

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