vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Someone used my Barclays credit card to make a lot of fraud charges for total about {$7500.00} around XX/XX/2020. When i see these charges in the statement I immediately call Barclays and report it, customer service said they will close the account and start the investigation. I have filed police report. About one week later I the credit for all charges on my account. But just a month later I received a letter in the mail said that they have completed the investigation and that i'm responsible for all the charges. I call the phone number in the letter asking why and the customer service said that fraud claim denied because investigator said transaction was made by a chip credit card, and it is very hard to duplicate the chip card. and also that online purchase was shipped to my billing address. So I ask customer service what address item was shipped to she just said it is shipped to my billing address. I ask her can you read out the shipping address but she said she couldn't. I then ask customer service to send me all the documents of the investigation, she said I will get it within 10 business days, I still have not received it. I also request for supervisor call back and it have been more than 10 business days still nothing.

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 2021-01-11 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: VA

Complaint narrative:
I recently reached out to the CRA because of an account that is showing up on my credit report. I notified them letting them know that the account # XXXX was incorrect and doesn't belong to me. I asked them to remove the information because it was reporting wrong information. I asked them to send me information about hw they verified it with the original furnisher and they didn't send me anything from the city of XXXX. They said they already looked into it and wasn't going to do it again. At this point I feel like my request is being ignored and pushed to the side. I don't undertsand how transunion is saying one thing, XXXX is saying something else and XXXX  doesn't show anything at all. There is no account on XXXX and I told XXXX  and transunion the say thing.

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 2021-01-11 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: NCB Management Services Inc.
State: TX

Complaint narrative:
Account status is reporting open on one Bureau and closed on another. Also information like, Dispute Status, Date of Last Activity, Date Opened, and Creditor Remarks are reporting inaccurately and are in violation of my rights and the FCRA. I have sent dispute letters in regard to this matter and NCB Management Services continue to report this erroneous information, defaming my character. I have informed the credit bureaus, in addition I've mailed a copy to NCB Management of their false ans unfair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am a XXXX XXXX  who collected several payments for my clients group cruise through Paypal. The cruise was cancelled due to COVID-19 and XXXX a I am a XXXX XXXX who collected several payments for my clients group cruise through Paypal. The cruise was cancelled due to COVID-19 and XXXX agreed to refund all payment that were submitted to them. Prior to receiving the refunds back from XXXX, Paypal elected to limit my account and state that I could not conduct any further business through them without any explanation. However the debit card business Mastercard that I used to submit payments to XXXX was linked to this account. XXXX has dispursed the refund back to the Mastercard due to their refund policy which states they will only refund back to the original method of payment. BUT due to the fact Paypal limited my account the refunds have not appeared back to my Paypal account. XXXX has stated and provided dates that they sent refunds back to that card which are as follows : XX/XX/XXXX20- {$150.00}XX/XX/XXXX/20- {$100.00}XX/XX/XXXX/20 - {$150.00} XX/XX/XXXX/20- {$150.00} XX/XX/XXXX/20- {$150.00} XX/XX/XXXX/20- {$100.00} XX/XX/XXXX/20- {$140.00} XX/XX/XXXX/20 {$400.00} I have contacted Paypal and they keep giving me the run around and I even have reached out to the issuing bank The XXXX who is the Paypal Mastercard card issuer and tried to even get this resolved with them and have a open ticket with them which is # XXXX since XXXX. It is now XXXX and no one has called me back. XXXX has advised my clients that I have been refunded and they are irate because I havent refunded them and I cant refund what i dont have. I need someone to see where are these funds because XXXX has stated and provided dates that they sent refunds back to this Mastercard in which funds have never been applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11 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: CITIBANK, N.A.
State: MD

Complaint narrative:
In the month XXXX, 2020 during the lockdown from COVID-19 I ( XXXX XXXX ) attempted to make a payment several times over the phone, to a closed CitiBank credit card, but I was unable to get on through. During this time the Banks were closed, and my online account was inactive. I was under the impression that CITIBANK/CITICARD were aware of this difficulties, especially given that it was report on the news that payments during the time would be postponed and without penalty. Even the president said it ... To my surprise I received an alert from credit monitoring system, stating that I had negative remark on my credit report from CITI. At this point I'd not had any missed payment on that account to date, four year from open date. I was finally able to get through and make payment in full. I contacted CITI to file a dispute and I filled a dispute with the credit bureaus ( XXXX, XXXX, XXXX  ) stating reasons. And up till today XXXX, XXXX CITI have not removed those remarks from my credit profile. This was during the total lockdown period.

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 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgence Legal Group, PC
State: IL

Complaint narrative:
I am a federally protected consumer and Resurgence Legal Group PC has violated me under the provision of 15 USC 1692. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Goldman Sachs USA Bank never deposited my XXXX Payroll check today. They stole my XXXX payroll check that was supposed to be deposited today for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: AR

Complaint narrative:
I received a collection letter dated XX/XX/XXXX from I.C. System demanding {$150.00} from me for a medical bill they stated I owe to them. Because I did not recall having medical services with their company nor XXXX XXXX and XXXX. On XX/XX/XXXX, I sent a debt validation letter to I.C. Systems requesting that they provide me with The name and address of the original creditor, the account number, and the amount owed. A copy of the original contract that I signed for services. 
Verification that there is a valid basis for claiming I am required to pay the current amount. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor : a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest, the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Proof of your authority to collect this debt, whether you are licensed in my state and if so, provide the date of the license, name on the license number, and the license number of the state agency issuing the license. 
If you are contacting me from outside my state, provide the licensing information from your state as well. 
I was shocked when I received a letter dated XX/XX/XXXX that had an attached letter that was a medical report with my PHI. I never signed a release, I never provided a copy of my state issued identification card, nor did I fill out any forms requesting a copy of my medical report. I.C. System negligently released my PHI to an unknown source without any written consent. Even more concerning is the accounting information listed on the document that I.C. System provided to me. The total amount states {$150.00}, the payment/adjustment states {$150.00} and the balanced owed states {$0.00}. I.C. System has engaged in HIPPA violations, they have violated my civil rights and they are attempting to collect on a debt that has a XXXX  balance according to their own records. I am requesting that this company cease all contact and collection efforts with me. I am also request that there be an audit and an in depth investigation into the collection practices of this company.

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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I originally reached out to all three credit reporting agencies requesting that the attached letter listing student loans differently to be deleted however I received correspondence from XXXX and transunion informing information has been updated. due to given loans regarding reporting that uif not reported on all three credit reporting agencies, given account should be deleted

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 2021-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc
State: NV

Complaint narrative:
I was notified by the XXXX and XXXX  credit bureau that I had received a collection ( First time ever ). The company that put this item on my credit report ( Without any prior notice ) is named Plusfour.Inc. I have not received any notification from this company and do not know where or how they got my information. 
After reviewing the collection on both XXXX and XXXX  I found several inconsistencies. 
The first one is the company claims their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. However, the collection that was reported on XXXX  was listed under a XXXX XXXX ( XXXX  ) located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NV, XXXX. I found the company to have minimal contact information online as well as in their collections that were put on my report. 
The company in questions has many consumer complaints against them from fraudulent claims. I believe this is another case to be consider fraud until they can send me information regarding the collection, as I have medical insurance that covers my medical bills. From what it seems it is a supposed " XXXX bill '' with no date of service to be included in the collection whatso ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
My HELOC loan was transferred on XX/XX/XXXX to a new servicer BSI Financial Services from XXXX  XXXX XXXX. 
XXXX XXXX XXXX sent loan statement closing balance of {$60.00}, XXXX on XX/XX/XXXX for the {$150.00}, XXXX HELOC at 3 % adjustible interest rate. 
Minimum payment for XXXX PRIN and INTEREST {$700.00} plus ESCROW PAYMENT {$190.00} or {$900.00} was my TOTAL mortgage payment for the month of XX/XX/XXXX or my REGULAR PAYMENT approx {$900.00} from XXXX XXXX XXXX as my previous Loan Servicing. 
Never got return call nor email from XXXX Loan Manager who handle my account XXXX XXXX when i requested correction on my FIRST BILL or TEMPORARY PAYMENT COUPON Amt of Regular Payment {$25.00}, XXXX YES XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX DOLLARS and XXXX cents Loan # XXXX BSI Financial Services when transferred on XX/XX/XXXX from XXXX XXXX  XXXX. 
The customer service gave my account manager XXXX XXXX phone XXXX XXXX XXXX ext XXXX its almost 2 weeks XXXX XXXX never send another co bill with CORRECT AMOUNT for my Regular Monthly Payment. 
Is this BSI STRATEGY to lure consumers for LATE PAYMENTS or FORECLOSURE by IMPROPER HANDLING and INCORRECT BILLING on Loan Transfers?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have been garnished for 6 years at XXXX $ from my social security benefits monthly. My original debt was XXXX XXXX I did the math recently and came up with XXXX $ back in XXXX. The collection agency in charge of my debt. Has out of that number taken XXXX $ in fees with XXXX roughly going to the actual debt. I checked the max amount they can legally take is 40 % of the original debt. According to mine and theirs math they have taken 90 % of my original debt in fees. I am XXXX and I am pretty sure what they are doing is illegal. I would like to have the rest of my student loan debt discharged seeing as how they have already taken almost the entire amount of my debt in fees, and I AM XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover Credit Card I lost my card between the date of XX/XX/XXXX - XX/XX/XXXX while traveling abroad. 

I wasnt aware of my lost card until a transaction email alert was sent to my email ONLY after the transactions were approved. Their internal fraud prevention system bypassed this transaction and let it go through. 

There were 3 transactions made 1. XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - {$480.00} 2. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$27.00} 3. XX/XX/XXXX XXXX XXXX XXXX XXXX - {$1200.00} I was alerted about the transactions and quickly called the fraud department to block my card and freeze the account. Since I was abroad, I filed a local police report and sent an intimation letter to local police department asap. Since I was abroad, there was no proper way to community with the credit card company. 
Ultimately, the credit card company billed the fraudulent charges back to my account and passed a resolution without any kind of communication. ( I was abroad so I was not able to receive any email, mail etc ) I have attached statement, police letter and police report to this message. 

The discover credit card company has harassed me by forcing me to pay for these charges which I am not liable for. I am fed up with and afraid to deal with similar problem again, therefore I have decided to close all my credit card accounts with all other companies as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Extortion and forced to pay for purchase never made and a 2nd attempt was made on this card, Thanks to me it was stopped ( Capital One had no clue ) and then determined FRAUD. But, 1st attempt of FRAUD goes without Criminal justice and victim forced to pay for something never purchased. 
Card was cut up into pieces and mailed to " Capital One '' headquarters in Utah. 
Racketeering still continues forcing me to pay {$4.00} monthly fee for card that does not exist. 
Months and Months pass and Prejudice and hatred continue. 
Ever since their system was " HACKED '' I have had NOTHING BUT FALSE CHARGES. Too many new cards to list Thanks to this companies failure to conduct business in a legitimate manner by Laws established in the USA. 
This company only cares about 1 thing, MONEY, and the customer gets XXXX  in the end. This is why after 15 YEARS with CAPITAL ONE enough is enough. CAPITAL ONE IS CRIMINALS, tired of being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have previously disputed the bankruptcy being on my credit report twice. Both times the bureaus advised the information was verified by the court. I sent a letter to the bankruptcy court in XXXX asking if they reported a bankruptcy to the credit bureaus and to provide proof of verification. The court responded saying that they do not provide verification to any company or credit bureau about bankruptcy.

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 2021-01-11 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: OK

Complaint narrative:
I have previously disputed the bankruptcy being on my credit report twice. Both times the bureaus advised the information was verified by the court. I sent a letter to the bankruptcy court in XXXX asking if they reported a bankruptcy to the credit bureaus and to provide proof of verification. The court responded saying that they do not provide verification to any company or credit bureau about bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: OK

Complaint narrative:
I have previously disputed the bankruptcy being on my credit report twice. Both times the bureaus advised the information was verified by the court. I sent a letter to the bankruptcy court in XXXX asking if they reported a bankruptcy to the credit bureaus and to provide proof of verification. The court responded saying that they do not provide verification to any company or credit bureau about bankruptcy.

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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation