vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I sent letter to both TransUnion at XXXX. XXXX   XXXX, XXXX, PA XXXX and to XXXX  XXXX  at XXXX XXXX XXXX XXXX, XXXX, MD XXXX in regards to an account I originally disputed in XX/XX/XXXX that was first reported XX/XX/XXXX. The account was removed from my consumer credit reports due to the inability to provide validation that this account was my debt. The original creditor was the University XXXX XXXX  for the amount of {$5100.00}, and as stated previously in XXXX this is not my account and I demanded validation. 

This account has since reappeared again, and as stated above I sent letters to both TransUnion and XXXX XXXX to please provide details that this account is mine. According to the FDCPA I have the right to request and receive detailed information regarding this account. In addition, I never received any correspondence from XXXX XXXX 30 days prior to reporting this account, to give me the opportunity to respond or request information prior to being reported to my consumer credit report. Nor have I received a response from TransUnion or XXXX XXXX to this date. 

I ask that the Consumer Financial Protection Bureau assist me in obtaining all and any verification or validation that this account belongs to me. Otherwise, that this account be removed immediately. 

Thanks you for your immediate attention in this 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 2020-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I was trying to purchase a tablet online and the seller asked to use XXXX for the transfer. I had never used XXXX previously but saw it on my Bank ( USAA ) website and trusted it. The seller asked to send the money to XXXX account XXXX XXXX XXXX. I sent {$300.00} to XXXX and in turn was provided with a tracking number ( XXXX ) for a shipping company called XXXX  XXXX XXXX. All this information was passed between my phone number and the sellers phone number ( XXXX ) XXXX. 
After waiting a few days the package never arrived and now the seller is asking for more money. After telling them I am not sending more money they have stopped contacting me. Also, after further research, it appears that XXXX XXXX XXXX is a fake website an company used by these scammers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX & XX/XX/XXXX, XXXX & XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: MS

Complaint narrative:
I paid my debt to the original creditor in monthly installments. The debt has been paid in full. On XX/XX/2020 I received a notification of a debt on my credit report from XXXX  and XXXX. The original amount the debt collector provided is incorrect. I was not notified of the alleged debt prior to getting the notification on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Submitted an initial request here with assistance from my attorney but realized my social is wrong. These items on my credit do not belong to me and I'm submitted request for these items to be removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
My stimulus check was deposited into my PayPal account on XX/XX/2020. It is now XX/XX/2020 and I'm still waiting on my deposit. I recevied my letter from the IRS stating it was deposited. I've been waiting over a month. What is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I called experian to dispute some items on my report, i stated to XXXX the repersentive that I only want one name one address and one phone number on my credit, XXXX stated that she would not dispute them or remove them that she would change them all to the correct name I stated to XXXX under the credit guidelines I am entitled to have only one name etc ... on my credit if it is correct.

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 2020-05-23 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:
Submitted an initial request here with assistance from my attorney but realized my social is wrong. These items on my credit do not belong to me and I'm submitted request for these items to be removed. Thank you.

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 2020-05-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Submitted an initial request here with assistance from my attorney but realized my social is wrong. These items on my credit do not belong to me and I'm submitted request for these items to be removed. Thank you.

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 2020-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
In a letter dated XX/XX/2020, the collection agency 'Capitol Accounts ' notified me that they were retained by 'XXXX  XXXX XXXX ' to collect money already paid. I contacted an attorney in our Legal Services program who notified Capitol Accounts by letter dated XX/XX/2020. 

" Please be advised that I represent the above-named individual who has recently received a debt collection communication from your company. 
Pursuant to the Fair Debt Collection Practices Act, 15 USC Section 1692 et seq., you are hereby directed to : I. Cease all further communications with my client, and 2. Provide the undersigned with verification of the purported debt. and 3. Provide the undersigned with the name and address of the original creditor, if different from the current creditor. '' My attorney received no communication from Capitol Accounts. NONE! 

Despite the letter of XX/XX/2020, I received another letter dated XX/XX/2020 notifying me that their client XXXX XXXX XXXX, " ... has authorized us to report this unpaid collection amount to one or more national credit bureaus '' In another letter dated XX/XX/2020, my attorney notified Capitol Accounts that they had violated the 'Fair Debt Collection Practices Act ' and again repeated the statement that is outlined above ( 1. 2. 3. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal allowed a payment to be made to a fictitious person. {$170.00}. Was sent to XXXX. This person took my money and ran! Ive opened a dispute with PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
To whom it may concern : In late XX/XX/2020, I applied for The New Delta Skymiles Reserve American Express card. The promotional offer was XXXX bonus miles where you earn XXXX bonus miles and XXXX XXXX   after spending XXXX in purchases within the first 3 months. You would also earn an additional XXXX miles upon my first renewal date which equates to XXXX bonus miles in addition to the XXXX XXXX. My husband and I met this requirement within 1 month of having the account. On XX/XX/2020, I was issued XXXX bonus miles and XXXX XXXX  miles. A few weeks ago, I called the customer service number at American Express and they confirmed the amount was sent to XXXX to be credited to my Skymiles account. I attempted to explain to the customer service representative what the promotional offer was and she suggested I reach out to you directly. In addition to the above, I had to call your customer service line on several occasions since my credit line was reflecting incorrectly on my account. 
The second complaint we have regarding the account is that being a XXXX XXXX member your website reflects that one of the benefits is that you earn XXXX miles per dollar spent ; however, this has not been the case. 
As a longtime customer, I am requesting the following : A credit for the XXXX bonus miles that were promised when I applied for the account. 
A credit for the missing miles based on my XXXX XXXX Status ( {$24000.00} YTD spend as of XXXX*XXXX  miles per dollar ) and ensure going forward my account is credited accurately A credit in the amount of {$720.00} in compensation for my time and inconvenience. 

If the above can not be met, I will discontinue the use of these accounts in the future and move my business to the XXXX XXXX XXXX card which provides us with more friendlier terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have several online accounts because I simply dont want to pay ridiculous fees. I use them for various purposes and try not to put all my money in one place. I also purchase a lot things using XXXX XXXX. I was laid off on XX/XX/2020 due to Covid19 impacting the hotel business. But quickly took the opportunity to be rehired again on XXXX XXXX to be laid off again on XX/XX/2020. I decided to consolidate all my accounts into one for better management as I need to see my entire savings in one place. I transferred amounts from XXXX XXXX and the other 2 bank accounts to Simple. Everything was good until I started to spend the money. Without warning on Friday, XX/XX/2020 at XXXX I received a message from support saying my account is in the process of closing and basically I have no access to my balance. After its closed ( which I know takes several business days ) theyll mail me a check which can take another 10 days. I am on unemployment now but my first payment is in 2 weeks! Contacting me 9 minutes before they close for the long Memorial Day weekend and blocking my funds is inhumane and in my opinion cowardly. Im not disputing or questioning why my account is being closed because they hide behind the fact that they can close accounts as they see fit and bare no responsibility for inconveniences caused by this closure. I have {$200.00} on me and rent is coming up. Support has ignored my request to access some of my funds for bills and living expenses and I can wait for the check later on. They refused. I have no income because of Covid19. My unemployment insurance doesnt start until XX/XX/2020. I have rent, bills and have to eat. And Simple blocked me from my money and does not care. Banks dont need to tell us the reason they are doing certain actions so why do I need to tell you why Im transferring money into Simple account and spending them? This is not my fault and feel like its my problem. I might as well purposely catch Covid19 so I can be put out of my misery. This is not right. Its only {$3700.00} to Simple, small amount. But its my lifeline and Simple just cut the cord. Give me something. If you close my account then close it but youre giving me no options to survive. If you suspect something block the transaction and call me to ask. Dont close it without warning and take your time giving me access to my lifeline because its a small amount and you dont care. I need {$2000.00} for my rent and bills plus Ill eat XXXX XXXX everyday. You accept money so willingly and readily as if its yours. Then when its taken out to be spent you throw a fit by closing my account and blocking me access. Is this how it goes? Amidst a pandemic we are at the mercy of the banks because we need money to survive. Is this where banks play XXXX and determines who suffers?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Transaction ID XXXX was denied even though I let PayPal Dispute know that the item was never received, a bogus label was recreated, and I let the company know days before shipping that the Array would not fit my XXXX  XXXX XXXX. I emailed the company several times, but my emails were ignored. This company did not let me know the order was coming directly from XXXX. I do not want any items, products, mail directly from XXXX in my home at this time. 
PayPal did not notify me of this case being closed in the favor of the seller. 

Invoice ID XXXX PayPal Dispute is closed and can not be reached by phone or via email. The dispute was closed on XX/XX/2020 and no one notified me via email of this decision in the favor of the seller.

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 2020-05-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Caller options do not suit my issue. Experian credit has maintained my previously excellent credit history for 25 years. During the period of XXXX-XXXX had successfully paid off 10 cars and several other loans paid as agreed. Those tradelines fully demonstrated the financial literary I was taught at an early age. In 25 years I NEVER missed a payment!! NOT ONE. As a result of what I built as a part of that history, my Credit score with the presence of that information was ALWAYS nearly 800. Those Tradelines represent my creditworthiness and how I carefully managed my own credit over a lengthy term. Removal of them STRIPS ME OF MY IDENTITY and has been interpreted by me as an intentional tortious act against me. As noted above via timeframe. All of those tradelines were a picture of my credit health PRIOR to my Bankruptcy filing of XX/XX/XXXX. So since they were PRIOR and not inclusive in my filing. 1 ) I'd like to know exactly WHY they were removed? 2 ) Did you take it upon yourself to dictate my HISTORY? 3 ) WHEN are you putting the tradelines back?? Because according to your own publications. " MY HISTORY '' during said period is it what credit scores are dependent upon. Thank You

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 2020-05-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
On XX/XX/2020 I received a phone call from XXXX from Navient I requested to speak with a manager and my request was denied after a very long wait in hold the line was disconnected after the second hold. Same day I received another phone call, this time by XXXX from Navient I verified that I was the intended party, and requested again to speak with a supervisor. I was transferred to XXXX who told me that I owed XXXX I told her what my circumstances were that didn't allow me to work currently. I told her that both schools that I attended were shut down years ago. She clarified that once the company name has been given they were unable to call back the same day. She also clarified that it is considered harrassment. I told her at that time to cease and desist she said it could only be in writing. I asked her for clarification to see if me giving a verbal cease and desist she said no. I said again that I didn't want them calling me anymore.5 minutes after I hung up with her I received a call it was XXXX from Navient I confirmed that the balance was XXXX, the same debt amount. Since XX/XX/XXXX I received phone calls every day multiple times a day with messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 we made a deposit for a vacation rental through Home Away, a platform for making short term rentals. The deposit was {$180.00} and was paid with a Capital One Venture Visa Card. 

The reservation was for a 4 night stay in XXXX, Oklahoma to attend a surprise XXXX anniversary party for members of our family. 

On XX/XX/2020 Florida Governor XXXX XXXX declared a State of Emergency in Florida, our home state. 

XX/XX/2020 we received a notice from Evolve Vacation Rental that our Capital One Venture Visa Card would be charged {$590.00} for the balance of our rental payment. Our original reservation was made through XXXX XXXX and this notice from XXXX was not expected as we thought we were doing business with XXXX XXXX. 

XX/XX/2020 we made repeated attempts to reach XXXX XXXX XXXX to ask them to cancel our reservation as the trip was anniversary party was cancelled due to travel restrictions caused by Covid-19.  We were unable to reach XXXX as their call system was not accepting calls and their website did not provide us a way to cancel our reservation ... that was made through XXXX XXXX. 

Later on XX/XX/2020 we contacted Capital One in an attempt to have them help us stop the credit card charge of {$590.00}. We were told that Capital One required a 5 day advance notification to stop a charge. 

On XX/XX/2020, XXXX XXXX XXXX did indeed charge our card {$590.00}. 

From XX/XX/XXXX through XX/XX/XXXX we continued to try and contact XXXX to settle the issue of our inability to cancel our reservation with no success. Their system did not allow us to reach a person either on the phone or through electronic means. 

On XX/XX/2020 we filed two disputes with Capital One regarding the two charges referenced above, the initial deposit and final payment. 

On XX/XX/2020 we provided support documents to Capital One through the US Mail ( we have proof of receipt ) and later through electronic means. 

On XX/XX/2020 we received a letter from Capital One stating that ; " Based upon this review, wee have determined that the previous investigation was decided appropriately and addresses your dispute ''. 

We have been directed by Capital One to try and settle our dispute with XXXX XXXX XXXX on our own without any addition help from Capital One.

Company response to consumer: Closed with explanation