vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I reported to XXXX XXXX that a credit card that I have had for more than 4 years is not being reported by Equifax. I spoke with XXXX XXXX and I was told that the cards is reported to all the three bureau. 
The card in question is a XXXX XXXX XXXX  master card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I reported to Capital One that a credit card that I have had for more than 4 years is not being reported by XXXX. I spoke with Capital One and I was told that the cards is reported to all the three bureau. 
The card in question is a Capital One platinum master card ending in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Unable to link PNC Bank account to receive child support and XXXX  expense payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 there were two Quickpay with XXXX payments taken from my account.One for {$450.00} and one for $ XXXX.I did not authorize these transactions.Chase bank said that they checked and that it was from my IP address and therefore it had to come from my computer.Nobody touched my computer and I think I got hacked through a week Wifi

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Im trying to link my bank account to XXXX and Pnc is not letting me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transition does not update the status of the dispute results. I have disputed collection accounts that results in closed but Transunion does not update them to reflect the change. They also keep reporting closed collections as open even after my disputes and documents sent back to them showing their investigation states collection accounts should be closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, my wifes credit was stolen from our home. The perpetrator used our card at local stores and spent almost {$1000.00}. We reported the fraudulent activity to Citibank/Citi Cards. Weve reported it to Citi on at least 5 occasions. They are claiming that the fraud charges were not coded properly. The fraudulent charges have been reposted to our account and Citi is now claiming it may take up to 90 days to investigate. I have no idea why we are not being credited with the fraudulent funds. Again the charges initially we reversed and then suddenly they were reposted.

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 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Prior to XX/XX/2020, I paid my credit card in full. As of today, there is no balance on my account nor any minimum payment due with a credit limit of {$500.00}. However, on XX/XX/2020, Capital One has refused to allow any online transactions to be processed, without any explanation. I contacted Capital One and inquired about my account and why my online purchase was declined, however the representative blamed the decline of the purchase of {$29.00} on the merchant or pay pal. After multiple declines of my Capital One credit card, I used a different credit card from a different company and the purchase was immediately approved for the exact same purchased I attempted to make with my Capital One credit card.. 

This is not the first time Capital One has decline my purchases when there is more than enough funds available on the credit card and despite calling Capital One and attempting to make the purchase while on the phone with Capital One my purchase was still declined. 

I request an investigation into the intentional declines of my purchases using my Capital One credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I tried to get access my credit score and reports through several online tools, such as XXXX and XXXX but they can't access my data and unable to obtain my credit report and score. They said that it might be issues on the redit Bureau level. 

The message I received when trying to get the report on XXXX : " We are temporarily unable to obtain your credit report. We are currently experiencing technical problems. '' What does that mean? Does it mean that my online request is rejected and I should request free report through the U.S. Postal Service? 
Do you have any recommendations what should be my next steps to get it online? 

Thanks a lot, 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 2020-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
FCRA - collection agency put this on my credit report without validation, no communication via email or letter correspondence. Need to verify debt. Not time this is almost past statue of limits for the state of Tx unlawful practices payday loan company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
Debt Recovery Solutions gets information from other company 's records that are no longer in use, records that have been charged in bankruptcy or debts that do not exist. They specifically prey on minorities and women, and I am both, a WOMAN and XXXX, they prey on this demographic because they feel we can easily be intimidated into paying money. I do not owe the debt and desire them to release me from it and to stop harassing me and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Im requesting debt validation I sent a debt validation request certified Mail on XX/XX/XXXX I previously owned this property through XX/XX/XXXX, I previously called in XX/XX/XXXX requesting all paperwork associated with the foreclosure & I was told they dont have access I would need to contact the county the sale took place in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I would like to just speak of three inquiries. I was being assisted by a Representative in the Wells Fargo Business Executive office. In Regard to an account that had been lodged at the bank several years back. I was very grateful for her assistance while in pursuit of the findings. 
When you call the representative back at her office number, the voicemail states that you are calling the " Business-Virtual Channels Executive Office. '' I kindly would like to know if this is the same office as the Wells Fargo Business Account Executive office?? 

Secondly, I would like to highlight just quickly, a strange phenomenon occured while on phone on the Eve of XX/XX/XXXX. As the Representative and I were discussing the past Bussiness account over one and a half hours or so, I noticed the the rep had to take a call that came into her office. Since there had been such time lapse on the account, and all of the things were new including the contact number, the Wells Fargo Rep moved forward in the process of updating. So several minutes elapsed, I then notice an email from my new XXXX Account hosted by XXXX XXXX which posted at XXXX. 
The email stated that if I did not update the recovery phone number on the XXXX account, that there could be someone using the account other than myself. The notice came from an unrecognized device and from an unidentified location. So how did this occur? 

The Rep heard my inquiry with her again, as I had the impetus to ask her kindly again around XXXX if she was the person who went into my XXXX account and added the recovery number. 
As the rep answers no, alas on my XXXX email tied to my business account with Wells Fargo, I see an email populate at XXXX, indicating that my business account phone Pnumber had been changed. This occured after and only after I asked her if she was aware of the XXXX recovery phone update bc I was so unclear and confused. 
If my accounts are closed with Wells Fargo, why am I able to see the emails and correspondence coming in to my account, and even see the correspondence coming in from the bank to me at XXXX Thirdly and lastly I would like to inform Wells Fargo, that recieved some correspondence from them that I was the victim of a scam and unauthorized activity. I have attached the literature.

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 2020-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOV ASSOC gets information from other company 's records that are no longer in use, records that have been charged in bankruptcy or debts that do not exist. They specifically prey on minorities and women, and I am both, a WOMAN and XXXX, they prey on this demographic because they feel we can easily be intimidated into paying money I do not owe the debt and desire them to release me from it and to stop harassing me and remove it from my credit report. I reported them to CFPB in 2018 : XXXX XXXX XXXX  XXXX I do not know Communication tactics XXXX XXXX XX/XX/2018 Closed Company responded XXXX XXXX XXXX  XXXX I do not know Communication tactics PORTFOLIO RECOVERY XX/XX/2018 Closed Company responded

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX I made a payment to Bank of America credit card for XXXX however they took XXXX from my checking account. I immedately called the credit card company at XXXX I was told I would be refunded within 3-5 business days. As of this writing I still have not received my refund of XXXX. I have spoke to many managers daily and have been promised my money will be in my account the next day and no funds. I am tired of being lied to. They made me call my bank the other day to see if the money cleared in which it did just to hold me off. I am at my wits end I hope you can help me out.

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 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo removed/froze all of my money in my bank account in XX/XX/2020. I am requesting that Wells Fargo find out from XXXX XXXX  XXXX ( the law firm Wells Fargo stated they gave the money to ) who XXXX XXXX  XXXX gave the money to or do they still have the money? This letter provides to XXXX XXXX  XXXX and Wells Fargo the authorization to release this information to CFPB and to myself in case this authorization is necessary.

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 2020-06-02 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: GA

Complaint narrative:
***Hello to whoever might read this, my name is XXXX XXXX . I have been trying fix some of the incorrect informations in my credit report several times but it seems nothing has changed in my report. I figure out that some of the addresses and employment information are false and not belong to me or our business. I see that the inaccurate information might have a really high risk to effect our business and really hope that it would get fixed soon. There are addresses and employments information that need to be removed out of my credit report : EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, GA 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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I don't use pay pale and I never applied for anything so can you please delete this 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 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts are inaccurate. Please delete and take off all 3 credit reports

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 2020-06-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts are inaccurate. Please delete and take off all 3 credit reports

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 2020-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC
State: OH

Complaint narrative:
On XXXX, XXXX, XXXX, XXXX XXXX threatened to sue XXXX XXXX, over an alleged credit card account. On XXXX, XXXX, XXXX, Debt Collector, Lyons, Doughty, and Veldhuis, filed a lawsuit as a courtesy to XXXX  XXXX, in XXXX County Municipal Court. On XXXX, XXXX, XXXX, XXXX XXXX, signed for service of lawsuit. On XXXX, XXXX, XXXX, XXXX XXXX, responded to lawsuit, via facsimile, at XXXX ( XXXX ) XXXX, with the attached DEBT VALIDATION NOTICE, Answer, and 41 ( d ) motion, totaling six pages. The attached receipt will show that the court received only four pages, at XXXX ( XXXX ) XXXX, because the validation notice is not a pleading. As of today, XXXX, XXXX, XXXX, neither XXXX XXXX, or Lyons, Doughty, and Veldhuis, have responded to the debt validation request within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient just called me and pretended to be the Department of Education until they knew they had me on the phone, then told me I owe them {$5.00}. They call 30 times a month if youre behind on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: 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 : CAP1/WMT XX/XX/2020 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My personal information being stolen by ID theft, they opened multiple bank accounts and applied for mutiple loans under my name in the country. 

I contacted those fraudulent bank accounts and most of them being closed and investigation completed, and my fraudulent debts were disputed. 

Multiple fraudulent accounts, as below already solved. 
XXXX XXXX XXXX XXXX, account ending XXXX ; XXXX XXXX XXXX XXXX, account ending XXXX ; XXXX, account ending XXXX ; XXXX, account ending XXXX ; In this report, I claim for the fraudulent Bank of America Bank account, ending XXXX. 
I require to dispute this fraudulent account under my name. 

I already filed ID theft, frozen Credit report in the Credit Bureaus. I filed the police report in XXXX XXXX, case number XXXX. And federal Trade Commission case number 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 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
***Hello to whoever might read this, my name is XXXX XXXX . I have been trying fix some of the incorrect informations in my credit report several times but it seems nothing has changed in my report. I figure out that some of the addresses and employment information are false and not belong to me or our business. I see that the inaccurate information might have a really high risk to effect our business and really hope that it would get fixed soon. There are addresses and employments information that need to be removed out of my credit report : EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, GA 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 2020-06-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
***Hello to whoever might read this, my name is XXXX XXXX XXXX I have been trying fix some of the incorrect informations in my credit report several times but it seems nothing has changed in my report. I figure out that some of the addresses and employment information are false and not belong to me or our business. I see that the inaccurate information might have a really high risk to effect our business and really hope that it would get fixed soon. There are addresses and employments information that need to be removed out of my credit report : EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation