vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
XX/XX/XXXX - Initially, a debt collection showed up on my credit from a Capio Collections, this collection was originating from a XXXX XXXX XXXX for {$270.00} back in XXXX. As this was past the Texas Statute of Limitations ( 4 years ) for reporting a collection debt and I had no previous knowledge of it, I disputed it at the recommendation of my legal rep. It was removed from XXXX based off this information. 
XX/XX/XXXX - I then received a bill from Capio ( again, hadn't heard from them PRIOR to them illegally putting a negative account on my credit report ) AFTER they got removed from my report. This is still past the statute of limitations & I still dispute the bill period. But I also know not to engage the entity directly as this can cause adverse actions since this weird law is now in effect that we protect businesses but not consumers. 
XX/XX/XXXX - a collection from a Asset Care showed up on my XXXX and my XXXX for the exact same originator and amount = XXXX XXXX XXXX {$270.00}. STILL against Texas statutes and still not legal, still disputed. I disputed with XXXX and XXXX, same dispute facts w/ add'l info about Capio from XXXX. Removed from my reports. Was recommended by reporting agencies to report the Asset Care entity to Federal Trade Commission/CFPB. 
XX/XX/XXXX - collection from Asset Care for exact same XXXX XXXX XXXX {$270.00} showed up on my XXXX. 
XX/XX/XXXX - Reported dispute for exact same factors - statute of limitation and no knowledge of bill to XXXX. 
This is absolutely inappropriate and illegal behavior. This is an old, most likely fraudulent, account that someone purchased to try to get money from me that I do not owe and they are banking on consumers not being wise or resourceful enough, or maybe not wanting to mess with it, scared about the negative credit impact, and willing to just pay it. It's not okay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Transaction Details : Transaction Date : XXXX Transaction amount : {$610.00} Merchant : XXXX XXXX aka : XXXX XXXX  XXXX Dispute Details : Bank XXXX XXXX XXXX  XXXX XXXX Fax : XXXX XXXX Dispute amount : {$610.00} Dispute ID : XXXX XXXX XXXX aka XXXX is the company my retirement  company  contracts to purchase amusement park tickets ( XXXX ). XXXX  XXXX  aka XXXXXXXX is managed by XXXX XXXX XXXX ( XXXX  ), is located in Florida. 

On XX/XX/2021, I went on XXXX to purchase ( 5 ) XXXX tickets. As directed by their website, beforee purchasing the tickets, I clicked on their link to review the XXXX calendar to ensure XXXX XXXX XXXX XXXX reservations were available for Monday, XX/XX/2021. According to the XXXX  link, their calendar indicated " Tier " 2 '' was available so I purchased ( 2 ) adult and ( 3 ) children 's tickets for a total of {$610.00}. After purchasing the ( 5 ) tickets with my Citi Bank credit card, I printed each ticket as directed. Next, I attempted to make our XXXX XXXX reservation for XX/XX/2021, but was informed by the XXXX web site that the park was not available, so I immediately called XXXX XXXX  ( XXXX  ) customer service at XXXX XXXX and was directed to call XXXX customer service at ( XXXX ) XXXX opt # 1. Their customer service rep told me the " third '' party ticket company ( XXXX  ) was not providing " real '' time park availability on their website. " The Tier 2 tickets that XXXX  website were available were not " unable '' and only Tier 5 tickets were eligible for XX/XX/2021 ''. Another words, the tickets that XXXX  sold me were " unuseable ''. I called XXXX  and informed them about the information that XXXX customer service had told me that XXXX  sold me " unusable '' tickets. Two days later I received an email from XXXX  indicating they were unable to upgrade my tickets to Tier 5 and were not able to refund my {$610.00} since my purchase was made as a " final sale product ''. 

In summary, I have ( 5 ) XXXX tickets that cost me {$610.00} that are " worthless '' because XXXX  sold me " unusable '' tickets that XXXX will not honor or allow me to upgrade to '' Tier 5 ''. 

On XXXX, I filed a dispute with CitiBank informing that I received a product that was " unusable ''. On XX/XX/2021, CitiBank informed me that the merchant ( XXXX  ) would not " honor my request for {$610.00} credit '' and they ( CitiBank ) do not have the authority to " reverse the charges ''

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 2021-09-23 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:
Theres random addresses i do not live at or have never lived there in the past appearing on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca 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 2021-09-23 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I have never applied for a Nordstrom credit card and need this removed from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have never applied for a XXXX credit card and need this removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
CAPITAL ONE BANK USA N XXXX Balance {$550.00} CAPITAL ONE BANK USA N XXXX Balance {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: LA

Complaint narrative:
Over the last three months, there have been monumental decreases to my account balances, yet my credit scores have not gone up even one point. The last straw is the fact that I just paid off A {$20000.00} CAR LOAN AND ALL THREE REPORTING AGENCIES SHOW IT AS OPENED WHEN THE LOAN AGENCY SHOWS IT CLOSED!!!

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 2021-09-23 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: LA

Complaint narrative:
Over the last three months, there have been monumental decreases to my account balances, yet my credit scores have not gone up even one point. The last straw is the fact that I just paid off A {$20000.00} CAR LOAN AND ALL THREE REPORTING AGENCIES SHOW IT AS OPENED WHEN THE LOAN AGENCY SHOWS IT CLOSED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America changed the forgiveness amount of a PPP loan from {$9000.00} to {$290.00} after we provided more than ample proof that we used the money correctly. We have made countless attempts to rectify the situation and were promised on XX/XX/21 that the full amount of {$9000.00} was forgiven. We are now receiving collection calls and no help from any of their staff. Our paperwork keeps disappearing from their system.

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 monetary relief
Consumer complaint received 2021-09-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was forced to send letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown accounts on my credit report. 
I also resent the same letters the following day with my ID and SSN card on XX/XX/21. 
They should have received them by now and I think XXXX is just trying to stall for time b saying that they have not received my ID. Please do not waste time in deleting this inaccurate information. 
I have filed an FTC report because I have still not received the information that I asked for with the paperwork that I keep requesting. I even offered to pay some of these accounts off just to get them off of my credit even though they have never proven that these accounts are mine. You are only supposed to report information that is 100 % accurate, complete, and verifiable. This information is not accurate, they have not verified it, and it is reported incompletely. I feel like they are taking advantage of me and ignoring my disputes. I have went to the XXXX and have filed an FTC report. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove these accounts immediately because it is hurting my ability with banking and receiving financial assistance. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life. I have sent the FTC report to each bureau as well.

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 2021-09-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was forced to send letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown accounts on my credit report. 
I also resent the same letters the following day with my ID and SSN card on XX/XX/21. 
They should have received them by now and I think XXXX is just trying to stall for time b saying that they have not received my ID. Please do not waste time in deleting this inaccurate information. 
I have filed an FTC report because I have still not received the information that I asked for with the paperwork that I keep requesting. I even offered to pay some of these accounts off just to get them off of my credit even though they have never proven that these accounts are mine. You are only supposed to report information that is 100 % accurate, complete, and verifiable. This information is not accurate, they have not verified it, and it is reported incompletely. I feel like they are taking advantage of me and ignoring my disputes. I have went to the XXXX and have filed an FTC report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove these accounts immediately because it is hurting my ability with banking and receiving financial assistance. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life. I have sent the FTC report to each bureau as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
On Saturday XX/XX/18 I called the Arvest customer service line and spoke with a representative to stop payment on an unauthorized {$560.00} charge I saw listed in my pending transactions. I was told the payment would be stopped and I would be charged {$30.00} for a stop payment fee. The unauthorized {$560.00} charge was then paid out of my account the following Monday after I was charged the stop payment fee. I called the Arvest customer service line back and was refunded the {$30.00} stop payment fee. I filed a dispute with that customer service agent for the unauthorized charge, but did not receive provisional credit back for the unauthorized amount paid ( {$560.00} ). I went to my local bank branch ( XXXX XXXX XXXX, Arkansas ) to ask for provisional credit until the amount is refunded. I was told that this isn't my fault, but there is nothing they can do to help me- it is out of their control. I asked them specifically about Reg E, and they said they do not know what Reg E is. In the mean time, I have a negative bank account balance and no money for food or gas until I get paid again on 10/5, and I have been charged {$51.00} in NSF fees.

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 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: MA

Complaint narrative:
I had a checking account with XXXX XXXX. Few months ago, approximately around early XXXX, I received a message saying my bank account is in negative and I owe them money. I walked into the bank to get it resolved to which they gave me fraud number. I tried contacting them, but they said they can not verify my identity. XXXXXXXX XXXX then keep calling me and asking me to pay them money that was paid towards my discover credit card payment. When I contacted my XXXX credit card, they said the payment from XXXX was returned back, And none of the payment from my XXXX  account is posted on my XXXX  account. SO again when somebody called me, I told them, That the money they asking for, has never been posted to my account, then why should i pay? I had XXXX $ in the account that is also gone, and every week, I get 2-3 calls asking for money. I was okay with that, untill, today i got call from debt collection agency F.H. Cann & Associates stating i owe money to XXXX. This is frustrating. XXXX has closed my account, they can not verify my identity and now they are asking me to pay back the money that was never credited to my account. I dont know what to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I was contacted to place an Ad in a XXXX XXXX magazine to promote my XXXX XXXX services In XX/XX/XXXX. They sent me invoices I paid with my debit card and they never produced the magazine.On the invoice it states the services I am supposed to get that I did not. I got the run around every time I called they said it was delayed. In XX/XX/XXXX I realized something was not right and I lookied onto the XXXX Website and found pages of other complaints as to the fraud that XXXX did to other people and small businesses. He took their money and never produced the magazine or their ads. I then contacted my bank to report the fraud and dispute the charge. My bank said it was past the 6 month cut off for disputing charges and they could not help but told me to file a complaint with the XXXX which I did. I finally reached an 2 past employees. One her name is XXXX, was able to reach the owner XXXX XXXX who told her he would refund the money to me. He responded to my email saying he would check into the matter and get back to me. When he finally called me he said why dont you just have your bank reerse the charge. I was honest that it was past that cut off time. He said he would check into getting my refund and get back to me. =He has not and will not respond to any of my communications anymore. I have called texted emailed and he will not respond. This man has several company names he does business under. I have all of that information along with all the other fraud complaints toward him and his businesses. He needs to be stopped before he frauds another person. I am a small business a XXXX XXXX XXXX and single mom and am now out {$2000.00} and struggling just to make ends meet. Please help me and the others that have been victims also of fraud as XXXX is still in business with a functioning website phone number and employees. His personal cell is XXXX Business Phone ( XXXX ) XXXX, Email : XXXX AND XXXX These are some of the company names XXXX is using : 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 XXXXXXXX XXXX XXXX XXXX Here are the two addresses I have for him : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I decided to Settle out with this company of {$310.00} with to promising that theyll change or delete it off my credit. It has not been done, and some agents been catching an attitude as well. Not only that, they have a past due left on my account which should not be owed at all.

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 2021-09-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filed a complaint with you XXXX The XXXX ( bank ) took further action that was not included in my complaint. 

The bank did not explain or respond to my concern about their additional action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a checking account with santander bank. Few months ago, approximately around early 2021, I received a message saying my bank account is in negative and I owe them money. I walked into the bank to get it resolved to which they gave me fraud number. I tried contacting them, but they said they can not verify my identity. Santander bank then keep calling me and asking me to pay them money that was paid towards my XXXX credit card payment. When I contacted my XXXX credit card, they said the payment from Santander was returned back, And none of the payment from my santander account is posted on my XXXX  account. SO again when somebody called me, I told them, That the money they asking for, has never been posted to my account, then why should i pay? I had XXXX $ in the account that is also gone, and every week, I get 2-3 calls asking for money. I was okay with that, untill, today i got call from debt collection agency XXXX. XXXX XXXX XXXX stating i owe money to santander. This is frustrating. Santander has closed my account, they can not verify my identity and now they are asking me to pay back the money that was never credited to my account. I dont know what to do. Please help.

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