vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX and i served VIA CERTIFIED MAIL AN AFFIDAVIT OF TRUTH stating facts of 6 FEDERAL VIOLATIONS committed against me by IC System, along with a exhibits page pointing out the violations against me ( the Consumer ) under 15 Usc 1692, a Cease And Desist Letter and DEMANDING MY REMEDY AS PURSUANT 15 USC 1692c ( c ) ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; Im Demanding for IC SYSTEM TO PAY THE ATTACHED INVOICE FOR VIOLATING MY FEDERAL RIGHTS AS A CONSUMER, XXXX OUT THE ACCOUT AND DELETION FROM ALL CONSUMER REPORTS IMMEDIATELY. 

IC SYSTEM received this documents NOTARIZED AND COMPLETE ON XX/XX/XXXX AT XXXX XXXX  and i will ATTACHED THEM TO THIS COMPLAINT AGAIN. 

IF I DO NOT GET MY INVOKE REMEDY COMPLETE I WILL TAKE THIS COMPLAINT AND THE FIRST COMPLAINT SUBMITTED ALONG WITH THE RECORDED CONVERSATIONS FROM THE IC SYSTEM REPRESENTATIVES I SPOKE WITH AND CONSUMER AFFAIRS SUPERVISOR IN WHICH THEY STATED THAT THEY WILL NOT INVOKE MY REMEDY AND WILL NOT COMPLETE THE DEMANDS INCLUDING THE PAYMENT FOR THE INVOICE AND PROCEED WITH LEGAL ACTION FOR FAILING TO COMPLY FOR THE FEDERAL VIOLATIONS COMITTED AGAINST ME AND DEFAMATION OF CHARACTER.

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
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 involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX. XXXX-Balance $ XXXX-Date Opened : XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA took money from my account XX/XX/2021, without authorization for an amount due for my Home Owners insurance putting my account into the negative. The company did not notify me in any way that the balance was to be debited from my account and the transaction was pre-authorized without my consent. In total they debited XXXX from my account and I had no awareness that this was about to happen or that it was owed, generally as my Insurance is escrowed in my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Sorry about my English will try my best to explain my self. I have been charged for purchases that I dint made on my card, normally when I got a deposit automatically founds are transfer to my personal account and that day dint so I went I notice that transfer dint go through and I went to check on the account and I got this charges XXXX XXXX XXXX. {$200.00} XXXX XXXX XXXX. {$350.00} XXXX XXXX search {$24.00} I call the XXXX Bank of America reported in XX/XX/XXXX a lady ask me if i have my card with me, i whent to my wallet and I dint have it in my wallet, she ask me when was the lastime that i saw it, i told her that i dint remember because i have never used that card at all, Never. She told me that they where going to investigate and cancel my card, and they would let me know and that i was going to receive a letter on mail with new card and never received a letter, email or call. I got in touch with them on XXXX about the problem let them know about the problem and she told me that there was no report she ask me for any proof of case submitted I told hear that i made a call but I do have a email that I sended. she ask me to send again, and this time got a replay to email asking me to call I did call as state in the email and a guy told me that it all ready pass 60 days and they can do nothing about it to put a claim on the unauthorized transactions. When I have been for to months calling and waiting until today I found another 2 unauthorized transactions XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXXXXXX {$00.00} I was going to call but if they ignored me the 2 firts times for a bigger amount they would laugh on me for 73 cents. Also I recived all this information that Im going to attach on the days of the unauthorized transactions occurred I dont know what to Do thats main reason asking you for help. Thanks

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 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
TCF Bank sold out to Huntington Bank. They gave periodic notices this was happening to make it seem they were prepared. 

On XX/XX/XXXX, I was supposed to have access to my new Huntington Bank Account. Their website did not work. 

I tried to call the number and was on hold for 7 hours the first day. Including 4 hours of hold until I reached the first person who said, " They gave you the wrong number, you need to call a different one '' and 3 more hours of hold.

About 4 hours the second day.

2 hours the third day.

I contacted them through twitter, etc. 

OBVIOUSLY, they were not prepared and a week later, I still not only do not have access to my own funds but I am unable to see my records to do my taxes that were due on the XXXX. 

This is just a small side account I have but it has created massive problems for me this week with no help from the bank whatsoever to solve this. 

They have my money and I can not access my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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:
I originally paid a deposit of {$810.00} then the remaining amount of {$3200.00} on XXXX XXXX, XXXX to XXXX for a trip to XXXX and XXXX that was cancelled right before the trip was to begin the end of XXXX, XXXX due to the Corona virus. The money was held by XXXX and the trip was rescheduled to leave this XXXX XXXX XXXX, XXXX. In XXXX I was in contact with my agent at XXXX concerning a flight change when suddenly there was no reply from him. Phones were constantly ringing busy, no answer to calls, text, mail or e-mail. I was able to contact someone at XXXX who had booked the flights portion of this trip and he told me that XXXX had gone out of business on XX/XX/XXXX. He provided me with the travel partners in XXXX and XXXX who were supposed to continue with my reservations. From them I found out that there was no money paid to either of them by XXXX and I would have to pay in full a second time if I still wanted to go on this trip. I contacted my credit card company, Capitol One. At first they gave me a credit for {$3200.00} of the amount. A couple months later they rebilled me for this amount and wanted more documents. I have faxed, mailed and emailed them the same documents four times and now, many months later they are telling me they can not do anything because it has been too long. They want me to deal with the merchant. It is impossible to deal with a merchant who does respond to any form of contact. I was going on this trip with a friend from XXXX who paid the same amount I did and her credit card company was XXXX XXXX  and they refunded the {$3200.00} to her permanently. We both made our payments at the same time. I feel like Capitol One kept me sending documents for a long time so that they could say the time had been too long and they were not able to resolve my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These credit inquiries that are on may report have been placed on a police report, but the credit bureaus still fail to remove them from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/2021 I filed a complaint regarding a charge card I have from Navy Federal that has reached its limit & Im no longer able to use it for purchasing good, labor or service on credit. I applied for a limit increase, received no response. 
On XX/XX/2021 I received an email from the CFPB stating that the company was still working on the issue. 
After no response since then, I sent this corporation a cease and desist which they received on XX/XX/2021 stating I refuse to pay this alleged debt on the account and as a consumer, invoking my specified remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XXXX until XXXX of 2021 for the amount of {$97.00} and then again for {$1.00} for XXXX until XX/XX/2021 for my Citizens one account fitness equipment ( XXXX XXXX  ). 
I made a payment that I thought was my final payment. Keep in mind I did not receive any phone calls or any reminder correspondence through the mail, that I had a left over balance. Until I applied for a loan with my bank. So I paid the {$97.00}. To make matters worse I received 90 day delinquencies for a left over balance of {$1.00}. That I had no clue about. This company does not follow fair practices act and I am at a lost of words. I spoke with the company and all the representatives states something different yet the ending results was they cant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to XXXX and had a loss of income and missed a payment. Before XXXX I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.

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 2021-10-19 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: AL

Complaint narrative:
This is a clear inaccuracy and a clear violation against my rights, Please update this account accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Please remove all accounts listed, my information was compromised in a XXXX XXXX. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
In XXXX, I moved to XXXX, TN and opened a Bank of America credit card account since Bank of America had a storefront here. I quickly realized I did not need this card. I paid the full account down and instructed the bank to close the account, but they did not. A recurring nominal ( {$10.00} ) XXXX XXXX XXXXXXXX subscription fee hit the account. I was unaware and only became aware recently ( XX/XX/XXXX ) upon requesting a home loan from a separate bank. This is creating a problem for me in accessing a home loan as this is showing up on my credit report as {$44.00} charge off and a series of late payments. This is completely inconsistent with my previous credit history. I feel that the bank made it extremely difficult to pay off my total debt and close this account. I have reached out to them to address this, but they have been uncooperative signaling that it is the consumer 's responsibility to monitor their credit. I have also filed disputes will all 3 credit agencies. I was under the belief that this account was paid off and closed. I request help in removing this from my current credit report. 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 2021-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Yes I really need help my personal information was compromised as a result of that my Identity was used to apply for some kind of credit. I have multiple Inquiries on my credit report that are fraudulent. This not not my doing at all as a matter of fact the dates are like back to back applying for credit. Thank you for helping me resolve this matter. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 - XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX. XXXX, 2021 - XXXX XXXX 

XXXX XXXX, 2021 - 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 2021-10-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Yes I really need help my personal information was compromised as a result of that my Identity was used to apply for some kind of credit. I have multiple Inquiries on my credit report that are fraudulent. This not not my doing at all as a matter of fact the dates are like back to back applying for credit. Thank you for helping me resolve this matter. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 - XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX. XXXX, 2021 - XXXX XXXX 

XXXX XXXX, 2021 - 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 non-monetary relief
Consumer complaint received 2021-10-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a a letter in regards to inaccurate and unknown things on me credit report. Over 30 days later I have not received a response. Section 611 ( a ) states that failure to investigate these items within 30 days gives reasons to immediately to remove items those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I recently reviewed my report and noticed 17 Credit transactions and accounts being reported inaccurately. i called the company ( Early Warning ) XX/XX/2021 and asked them to correct the inaccuracies. They refused to do so at that point i asked them to exclude my name completely from their List as my right per FCRA Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681B Subsection E. I wrote them a letter to notify my Election of Exclusion 10/18/2021 and they have yet to Respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
OPENED XX/XX/2021 {$1200.00} Collection agency ( XXXX ) I've reached out to the companies XXXX, XXXX, and XXXX XXXX XXXX. I've also reached out to XXXX XXXX XXXX regarding the misunderstanding of this account. I've never had XXXX XXXX XXXX. Also I reached out to XXXX, XXXX and XXXX stating that It is illegal to sell an account to a collection agency but they still Went forth what the XXXX selling the account to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation