vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been fighting this bankruptcy for a few months because of the inaccuracies inside of the bankruptcy. I logged ontoXX/XX/XXXX to verify that all of the information was correct ; ie. case numbers, closing dates, etc and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in XX/XX/XXXX is XXXX ; however what is being on all 3 credit bureaus and probably XXXX XXXX and XXXX is incorrect information. The information being reported on XX/XX/XXXXis XXXX, on Equifax is XXXX, and on XX/XX/XXXX XXXX. 

On XX/XX/XX/XX/XXXX I disputed the inaccurate reporting to XXXX as all 3 bureaus stated they validated this reporting through third party, XXXX XXXX. On XX/XX/XX/XX/XXXX after a re-investigation of the data in question, XXXX XXXX removed the bankruptcy from my XXXX XXXX report. I have forwarded a copy of this report to all 3 bureaus and they are still coming back stating item in dispute not changed as a result of our processing of your dispute. The company that reported the information has certified that the information is accurate How? When XXXX XXXX clearly stated in writing they removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
So Ive had two issues with netspend. The first issue I used my card at XXXX XXXX for a incidental deposit on the XXXX and the XXXX of XXXX. They refused to release The money back to me if I did not have proof that the hotel was not going to charge the card any more. Yesterday XX/XX/XXXX I got documentation from the hotel and emailed it to them, today when I called they said that the information can not come for me it had to come from the hotel, so the hotel manager faxed them the information. I called them back and they said that they could not except that becouse it did not have transaction breakdown on it. I explained to them that was because I paid for room through XX/XX/XXXX and didnt charge anything to rooom so there were no charges from hotel. They then told me that they had to hear it from hotel. The manager and I called three-way he explained this they still did not release the money they said they can not do it without a breakdown of the transaction history. 

About three hours later I called to check the balance of my XX/XX/XXXX card. The automated service told me that this was not a working card and connected me to the customer service the customer service agent then told me my card had been blocked. They could not give me information to why my card was blocked, then informed me that the money on the card could not be retrived. They told me that I had to purchase a new car and start another account. 

Nothing about this sounds legal I dont understand how they could block my card without my permission and keep the money that is on the card and not allow me to have it I dont understand how they can Refuse to release the money back into my account after the manager sent them the pro folio from my account at the hotel. 

I Really like some advice on how to go about getting my money back from them and holding them responsible. I want to take legal action against them

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 2020-12-02 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: NY

Complaint narrative:
DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH EXPERIAN AND XX/XX/XXXX. XX/XX/XXXXWAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.

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 2020-12-02 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: NV

Complaint narrative:
Bank of America is denying a claim ( dispute ) that I opened because my card was used. Bank of America closed my account and took my temporary credit back 2 months ago, I been calling the dispute department and they blocked my phone number, when I call from a different number that the one that I have on my account then they respond to my call after 3 hours waiting on the line. 
The claim number is XXXX, with the account ending in XXXX. 
Bank of America havent provide a reason of why they are denying my claim even that I asked them several times, the only thing that the letter says is that No posting error has occurred on your account, I got a call from somebody in the escalations department but I been calling her everyday since 2 weeks ago and I havent receive response either, Bank of America is playing with a lot a people like me since everybody is twitting their experience. 
This is not fair I need a reason why they denying my claim and proof over wise I will put a complaint with General Attorney about their scam practices.

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 2020-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have sent this company multiple letters to validate this alleged debt yet have not received any response from them. luckily I sent it via certified mail to have proof they got them! I also called spoke with a representative And recorded the whole conversation.I Was told they would get back to me still no response.Ive been suffering from XXXX because of all the in accuracys they have reported on my credit which has been hindering me for years! Everything About this so called debt is inaccurate egregious and downright unfair all three bureaus have three different dates on last payment they claim to receive from me on a vehicle that reports as charged off but still to this day has gap insurance in my name active! On a vehicle I have no possession of. Might I add The alleged debt they reported closed on XX/XX/XXXX yet they claim to have received A payment XXXX XXXX as last payment received on XXXX yet on XXXX report XX/XX/XXXX of that same year! Which is a lie! This is defamation of character!!! Ive been in XXXX with this company and their lies!! I have so many sleepless nights because of this. Ive become so depressed I feel like this company has made me suffer so much yet hold no accountability nor have they tired to resolve this issues its been years they have been hindering me!. Ive asked for validation of any and every kind yet have received nothing! Im in tearsssss writing this. My last attempt before taking legal actions really. I sent my last letter of request of validation which by certified mail says they received it on XX/XX/XXXX it is now XX/XX/XXXX still nothing with all that is going on in the world right now why do I still have to deal with this

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 2020-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Embassy Loans
State: FL

Complaint narrative:
XX/XX/2020, spoke first with XXXX then several other employees with this in mind I was a prior customer and had a few questions about this debt cancelation insurance??. And why my past contact was for 12 months then as the new one I was almost ready to sign notice 14 months?? When asked the store was really almost believable but this time as wasn't desperate for the loan being Covid-19 and the hardships every American has trying to scam one isn't going to be taken lightly ... .I have fully covered auto insurance they still added that extra debt cancelation fees cost of even making payments is needed attention by every one ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
There is a debt collection in my name for {$6700.00} and opened XX/XX/2020. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.
State: KS

Complaint narrative:
I received an unsolicited debit card from XXXX/MoneyLionin the mail on Saturday, XXXX. I found the company website and called the support number first thing Monday morning, to find details about how the account was opened and that it be closed. They refused to closet the account until I provided a signed affidavit to their fraud department. On XXXX, the fraud department emailed me requesting that I complete the affidavit and provide several pieces of personal info ( driver 's license, scanned social security card, proof of residency, etc ). They did not provide a secure way to upload these documents. I am currently waiting on more information from them, but am very uncomfortable with how this was handled so far. I provided my name, address, phone number, and last four of my SSN to the customer service rep when requesting that they close the account. They would not tell me what state it was opened in or if it was used. My incident number with them is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: LA

Complaint narrative:
I am another victim of Chime banking closing accounts with 48-72 hours notice, all the while still sending me emails about my new XXXX XXXX XXXX! If they want to close my account fine but I had around {$1600.00} on it, all on their XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: FL

Complaint narrative:
My debit card was not working properly at all XXXX2020 I also was unable to report a change of address over a period of 7 months- I have forwarded my mail, yet the most current statements are and have been missing for almost that amount of time. 

I called the agency who deals and has the exclusive business with the Department of Treasury ( Social Security ) XXXX and was treated as a complete XXXX after finally being able to reach a " human ''. The call was herrendous they succeeded only in infuriating me. XX/XX/2020 " Direct Express '' is immune from the XXXX since they have secured a government contract with the Dept. of Treasury. 

Ultimately I have been told I would be contacted by someone form US Direct Express by telephone as I was told there was NO OTHER WAY TO VERIFY WHO I WAS. 
I have not been called. 

I do not have access to my benefits. My card does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: KBHS Home Loans, LLC
State: FL

Complaint narrative:
XX/XX/XXXX KB Homes ran my credit without my consent and caused damage to my credit score. I spoke with the lender who ran my credit without my consent and he said that " I'm Sorry '', he just did what the other lender told him to do. He felt bad about my situation but he never resolved the situation. He said dont worry is only a few points, I'm very disappointed and I want to make sure my credit is the same as before their ran my credit and most important alert others about what they are doing.

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 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
On XX/XX/XXXX I pull my credit report and found out that Transworld System : TSI/XXXX/ ORIGINAL CREDITOR : XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The Transworld System has the following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 
2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fine of {$1000.00}. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/2020, my wife and I visited a beach restaurant on the island XXXX in XXXX and we had a small lunch. Beach restaurants on XXXX  often require their guests to hand over their credit card when entering to reduce the risk of patrons absconding without paying. After our small lunch ( six oysters and two glasses of prosecco ), before we even received the bill, the waiter handed back my credit card and a credit card slip that showed a charge of XXXX Euros  equating to a charge of US {$1100.00}. This was possible because the restaurant used the contactless payment feature of the credit card which requires no PIN or signature. I obviously protested immediately and demanded reversal of this outrageous overcharge. They completely ignored me, and pretty much laughed in my face. So I immediately called my bank, HSBC USA, from XXXX. My bank advised me to dispute the charge when returning home, which I did a week later upon return to California. 
However, my bank, HSBC USA, treated this as a billing dispute and asked me to show them the restaurant bill. I explained to them several times that I never received a bill from the restaurant and that the charge should be considered fraudulent and that I never authorized this transaction. My dispute was simply declined because I can't produce the bill. 
I find it unacceptable that HSBC Bank USA allows contactless payment without any form of authorization for amounts as high as {$1100.00} where the merchant can grossly overcharge the customer and there is no recourse. Especially since I immediately reported this fraud by phone after it happened, on XX/XX/XXXX. 
This bad-actor merchant in XXXX seems to have figured out that they can fleece their tourist customers and that the bank will not take any action or responsibility for the risks this contactless payment exposes their customers to. 
In short : an unauthorized credit card charge, with no authorizing PIN or signature, for an amount as high as {$110000.00} that is immediately reported as fraudulent and disputed according to the bank 's processes, should be reversed and not charged to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a request to validate a debt that was shown on my XXXX, XXXX  and XXXX  credit reported. There was a derogatory remark on my credit report from a CAVALRY PORTFOLIO SERVIC showing 2 different accounts one with the total balance due of {$2800.00} & another balance of {$4100.00} Following up letters were also sent XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Upon further research, this account was transferred / sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

They have also provided a bill of sale and assignment dated XX/XX/XXXX by XXXX to Cavalry claiming to be part of this account but does not have my name, signature, debt amount or dates included. 

According to the FCRA CAVALRY PORTFOLIO SERVIC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
I am a service member who XX/XX/XXXX in XX/XX/XXXX through XX/XX/XXXX. I elected my Servicemembers Civil Relief Act with USAA prior to departure and they reduced my auto insurance due to the vehicle not being in use while gone. We were XX/XX/XXXX to an austere environment with limited communications and no mail forwarded on to the location. Members deactivate their cell phones while gone and turn it back on upon return. What mail is sent was arriving as late as 3 - 4 months later due to the remote location and logistical challenges. 

I had a USAA Visa credit card for well over 13 years with no issues with the credit limit up to $ XXXX. The card had a balance of over XXXX in reward points due to me equating to more than $ XXXX if cashed out. 

Apparently a {$23.00} charge appeared on the card after I departed which I was unaware of. Being XX/XX/XXXX I did not receive any communication from the lender nor could they not reach me ( assuming they tried ). USAA closed my credit card and reported over 120 days non payment to the credit bureaus. 

Upon return from the XX/XX/XXXXin XX/XX/XXXX, I immediately paid the amount and attempted numerous times ( unsuccessfully ) to resolve the issue with USAA. They mentioned if the account was " just voluntarily closed '' then the points would be available for over 120 days but would not allow credit for them in this instance. 

This is the only negative reporting I have on my credit report and it brought the score from a highXX/XX/XXXXdown to XX/XX/XXXX 

Under the SCRA, I respectfully request removal of the negative credit reporting and allow a cash out payment for the reward points balance. Because of the credit reporting a loss of available credit it would be good to have the credit limit restored as well. This negative reporting on my credit will cost me for years to come through the inability to obtain lower mortgage and loan rates, other credit cards, etc. I am due to relocate in just a few weeks and plan to purchase a home. 

Many thanks for any relief assistance you could provide. 

Sincerely, Military Member

Company response to consumer: Closed with explanation