vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-07 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: LA

Complaint narrative:
Ibhave a lot of inquiries on my crwsit I didn't approve and I didn't do it will show in the attachment

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 2019-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/19 I used my debit card at a restaurant, I spent {$14.00}. After that transaction, my balance was positive. I would not have been able to make the transaction if I didn't have enough, and my card would not have worked. On my statement, it shows that after the charge of {$14.00}, my balance was {$18.00}. In spite of that, on XX/XX/19 I was assessed an over draft fee of {$32.00}, with the bank saying I overdrew the account. Then again today, I was assessed another {$32.00} fee, on a transaction I did on XX/XX/19. I paid for my XXXX XXXX , {$29.00}, and when I did that, my balance was sufficient. On my statement, it shows that after the debit of {$29.00}, my balance was {$6.00}. Now 2 days later, they tell me it was not. I know it was. I called the bank tonight, and the representative told me my account was overdrawn by me, both times. It was not. I believe what they are doing is holding transactions in a pending status, both debits and credits, and then processing them in a way that creates an artificial overdraft. The representative put me on hold this evening and came back saying that AS A COURTESY she would reverse one charge, but not two. This is ridiculous. If one of these charges is reversible, then both of them are. Courtesy is not why they are willing to reverse the charges ; they are hoping to make me feel lucky to get back even one of the charges. This is NOT RIGHT. I want my {$64.00} back, and I want them to stop this unethical and nefarious practice. They need to be penalized for tricking people!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On the week of XX/XX/XXXX, I received an alert from my Experian credit monitoring service indicating that my XXXX credit card payment for XXXX was not made and as a consequence I had a 30 day late notice added to my credit report. When I went back and checked my payments, I noticed that for the month of XXXX I had made a {$100.00} payment. I immediately called XXXX and they told me that my payment was short for {$5.00} and that they couldn't do anything about it. They were not willing to help me in any way. I asked them to please review my previous history so they can see that I have never been 30 days past due since I open their account. I explained to them that I recently went back to work full time and that I have been sending my payments beyond the that due date, but we a lot sacrifices I have avoided to be 30 days late. I also mentioned that my job stability could be affected for those {$5.00} and that what they are reporting to the credit bureaus is innacurate. They are reporting that I missed my payment which is not the case. 

What they are doing will affect my current employment and future opportunities as well. I do not think this is fair especially for a customer who in spite of her circumstances has been making payments. This {$5.00} difference has caused a level of damage that is not equivalent to the shortage in the payment which was originated by an oversight. 

My credit is the only thing that will keep me working. Please help me to communicate with XXXX so they can remove this 30 days notice from my credit report.

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 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Information is missing that should be on the report ( address, missing credit card or loan ) XXXX XXXX XXXX  XXXX XXXX Balance {$1400.00} Status Open/Never late. 
Status Updated XX/XX/2019

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 2019-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC
State: SC

Complaint narrative:
I would like to know if this is in reference to lab work. The year is XXXX and the company is PMAB? The bill was sent to collections. Since it was in collections in XXXX it must be a bill from XXXX. If this is regarding labs I just recently found out that XXXX XXXX XXXX XXXX does not send labs to XXXX  XXXX which cost me more. It still is not posted and employees don't notify you when drawing your blood. At that time I had XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
I sent {$500.00} to my niece and the cash app said it was not going to be available instantly like it usually is. So we tried to get it refunded so I could send it using another method. We reached out and support told us that they would help us so they called. They told me that in order to get a refund I had to push a green button for the dummy account to refund it. I was questioning and asking many questions but he convinced me so when he sent it I pushed the button. Well, it ended up stealing {$1400.00} dollars from my account. He sent two more transactions and tried to pressure me further. I hung up and realized it was a scam. I immediately called my bank to try to stop it but they said it was too late. I filed a complaint with them and they did not help because they said it was the cash app fault. I also recontacted customer support and they said they would investigate and it would take 45 days. However, after a few more emails I didnt get any resolution. I have proof as the two additional attempts from this scammer in my account. I am so upset. They do not even have a phone number to contact. This all took place on XX/XX/2019. I have had {$1400.00} stolen by a fraudulent scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates, LLC has sent numerous collectors to my residence ( one banging on my front door viewed via my XXXX   doorbell camera ). To my knowledge I received a bill and after that their agents came to my house. I emailed them a cease and desist letter to their email address XXXX on XX/XX/2019. They continue to send correspondence dated XX/XX/2019. 
They claim I owe {$4700.00}. I was never given an opportunity to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: DC

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX has sent numerous collectors to my residence ( one banging on my front door viewed via my Ring doorbell camera ). To my knowledge I received a bill and after that their agents came to my house. I emailed them a cease and desist letter to their email address XXXX on XX/XX/2019. They continue to send correspondence dated XX/XX/2019. 
They claim I owe {$4700.00}. I was never given an opportunity to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
I received a letter from Aldous & assoc for a debt in the amount of approx. {$260.00} for XXXX XXXX. I called XXXX XXXX and was told to call XXXX. I called XXXX XXXX XXXX said call Aldous & Assoc. I went on Aldous & Assoc website to see what this was about and to get more info. Aldous website gives a phone # for contact but does state it wont take emails. So I called Aldous. I told them the situation. The Aldous rep stated I needed the cancellation to XXXX in writing which I dont have because I cancelled in person at the gym in XXXX XXXX.So when I called Aldous & Assoc their Rep explained to me I had to send a letter in writing requesting info on this reported debt. I asked for them to send me any paperwork, bill, contract they had so I could see this debt for myself and decide what to do. Rep told me their debt collections letter was the official paperwork I needed, and it was Aldous and Assoc policy for me to request more info like actual bill or something to show this was actually my debt in writing only. I asked again for them to send me something and was told no I had to request info in writing. Aldous Policy is not MY Policy and not the LAW! 

I am here now requesting all billing contract and correspondence between me and XXXX XXXX as I dont have any business or legal contract with Aldous & Assoc and I dont just send money to people that send me a letter with a debt amount and say pay us this money or we will report you to credit reporting agencies. Aldous & Assoc seem to only follow their own internal Policies and not Federal or Utah State laws regarding debt collection. Also at the end of our conversation Aldous & Assoc who was rude and yelled at me, told me you have a {$260.00} bill PAY YOUR DEBT! then hung up!! after that phone conversation i went online and saw Aldous & Assocs have many negative reviews and complaints about them. They seem very shady. They also threatened to send my info credit bureaus. I tried to find a physical location of this company but theres only a PO Box . I found some info online about this company on glass door from former employees apparently its in a basement somewhere.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: AZ

Complaint narrative:
I was sued by Cascade Capital and I don't even know who they are and what it is about. I just discovered this information tonight while researching court records.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
As of XX/XX/2019 my XXXX credit report shows that there was a collections add to my credit report on XX/XX/2019 by AmerAssist AR Solutions. This inaccurate collections has dropped my XXXX credit score by 78 points. I was not notified of this collections debt until I viewed it on my credit report XX/XX/2019. AmerAssist AR Solutions has inaccurately reported to XXXX credit bureau and presumably other credit bureau 's that I owe {$3600.00} in debt as of XX/XX/2019. 
AmerAssist AR Solutions needs to supply the information below so that I can be fully informed : What is the exact type of debt you believe I owe : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Gurstel Chargo is garnishing my {$11.00} an hour wages for a time barred business debt ( taken out with a tax is # ) in which I have payment records and income tax returns to prove it was a business debt. When I took out the credit card I asked XXXX XXXX why they did not need my social security number and they said they use the tax ID # instead for business accounts. I called the original creditor XXXX XXXX last night, and they said the debt is not showing up in their records and to fax them a copy of a statement so they can research my account. I received a notice of garnishment on XX/XX/2019 and I sent the response to the court on XX/XX/2019. My employer did not notify me that I was being garnished. I have {$540.00} left to pay bills and eat and gas the car for 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/19 My credit was ran and a report was issued by EQUIFAX for a house I rented. I have a copy of the report. 

XX/XX/19 I tried to open a cable account and they could not verify my identity so I contacted Equifax and even though I was able to answer numerous questions I would only know they said they could not verify my identity either. I suspected it may because I put a freeze on my account several years ago, although they would not confirm that either. Equifax is requesting that I verify my identity which is going to take several weeks and requires me to mail or fax sensitive information. In the meantime I became ( and still am ) very concerned something fraudulent was/is happening in view of Equifax having all the correct information but still unable to verify my identity. 

My complaint is that I am being denied access to my credit report while anyone else is able to retrieve it. 

Fortunately, I was able to access report from XXXX which shows no fraud, however I am concerned about Equifax because I have had several problems with them over the years with mis-information and then failing to correct it upon receipt of supporting documentation and I suspect this is going to be handled the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
unauthorized hard inquiry

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 2019-09-07 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
unauthorized credit inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have disputed the Bankruptcy with XXXX and Experian due to it showing on my credit report and they still refuse to remove. I went to the Bankruptcy court here in XXXX to inquire like I was informed from these company. The clerk provided a letter that they don't verify with credit bureaus or third parties and also I have attached a copy with this case from the courts. So if these companies are reporting this false information and the courts advised that they don't provide any information to credit agencies then how did they receive this inaccurate incorrect information. Per reading over the report it stated I filed jointly per the credit report, with whom. it doesn't list the person name and it coule be someone with a simiar name. Also the courts verified that the information on my drivers license and mail that I provide to them doesn't match anything in there systems. I have sent this information to both credit bureau and they refuse to remove it. I have no accts on my credit report showing under Bk, that would be the whole purpose of filing BK is to include debt, in which I don't have any unpaid debts. Also they never sent me the original court papers that I signed and I have requested it from XXXX and Experian several times.

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 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/19 I was approached by my property manager while coming home from work stating that a XXXX gentle told them that I made arrangements with their company to leave court papers with them, it was a court papers saying the debt collector was suing me for {$2500.00}. I never made any arrangements and was never notified of any court dates or papers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have 2 personal accounts that are removed from my credit report. It has been removed for a while now. 
XXXX XXXX XXXX was opened XXXX XXXX Limit {$30000.00} XXXX was opened XX/XX/XXXX Limit  {$30000.00}

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 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX is garnishing my {$11.00} an hour wages for a time barred business debt ( taken out with a tax is # ) in which I have payment records and income tax returns to prove it was a business debt. When I took out the credit card I asked Capital One why they did not need my social security number and they said they use the tax ID # instead for business accounts. I called the original creditor Capital One last night, and they said the debt is not showing up in their records and to fax them a copy of a statement so they can research my account. I received a notice of garnishment on XX/XX/2019 and I sent the response to the court on XX/XX/2019. My employer did not notify me that I was being garnished. I have {$540.00} left to pay bills and eat and gas the car for 2 weeks.

Company response to consumer: Closed with explanation