vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
After requesting a balance transfer in the amount of {$12000.00} on XX/XX/2019 I was told that the transfer would be complete within two weeks. I logged on to the two accounts involved and both showed a balance for the amount of the balance transfer ( {$12000.00} of my XXXX XXXX XXXX account and {$12000.00} on my Union Bank account ). On XX/XX/2019, I made a phone call to XXXX XXXX XXXX which is the creditor that was supposed to be credited for the {$12000.00} balance and was told that there are no pending payments on my account. Then I called Union Bank which is the creditor that I requested the balance transfer from and was told that my request was stopped on XX/XX/2019. The representative tried to get a hold of an individual named XXXX XXXX to resolve the situation but was unable to reach her. She provided the direct phone number to XXXX for me to try and call her myself. I asked if anyone else was available to help me and her answer was " XXXX is the only individual that can resolve this matter. '' On this day, I made numerous attempts to reach XXXX and left voicemails for her to call me. I tried to contact customer services again to ask for anyone else that can assist me. All of the representatives, including the shift supervisor were not able to find any other contact. They all attempted to reach XXXX and yet no one was able to connect with her. Union Bank  has caused me extreme stress, and kept me away from my job dealing with this matter. They have neglected to reach out to me promptly to resolve what seems to be a simple issue with their system flagging my transaction. There has been no mail, phone calls, emails, text messages or notifications of any kind. The only way I became aware of this situation is by calling them myself.

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 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a closed credit card on my EXPERIAN credit report with late payments that are negatively affecting my XXXX XXXX. I did not open this card myself, had no knowledge of it, and was not aware of its mismanagement. Once i became aware of the card, i paid it off and closed it immediately. I have tried disputing with Experian, but have not been successful. I really need and would appreciate some help.

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 2019-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX collection of {$4500.00}. This is not nor was it ever my debt. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX XXXX collection of {$190.00}. Again, this is not or nor was it ever my account.

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 2019-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have received 7 1099-C from USAA from XXXX to XXXX. I am unable to pay these debts. They have been sent to the IRS. I have attached all the 1099-C I have received. Most if not all these debts are more than 7 years old and still are on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I have an unverified account from Aargon Agency , Inc . I had previously disputed this account. I have never done business with Aargon Agency XXXX Inc. pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Aargon Agency , Inc. provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin. 
6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

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 2019-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Store credit card : Macy 's. I was late making a payment of {$1600.00} to may my Macy 's card account. Macy 's rightfully charged an interest fee of {$18.00}. That payment arrived a few days late, but I was not aware that it was late. Macy 's charged another {$18.00} late fee. I can understand that. However, I have been regularly logging into my Macy 's account to ensure that no payments are due, and each time my online account reports " Statement Balance : {$0.00} '' and " Statement Past Due Amount : {$0.00} '' This made sense to me since I had not used the card since the last payment in XX/XX/XXXX. When I called the Macy 's Customer Service number ( XXXX ), I was told that, once your account goes delinquent, information in your online account is restricted, and the balance due is no longer reported. Had I called the customer service number and requested that balance, then the balance due would have been accurately reported. Had Macy 's simply stated that balance is unavailable online, I would have known to call. To state that current and past due balances are {$0.00} is factually untrue and misleading. This matter has gone way out of hand due to the lack of candor Macy 's demonstrated in the reporting of my account. I believe this to be an action in bad faith on the part of Macy 's. In 2019, it is more common to go online for account information than it is to make a telephone inquiry. Macy 's set a trap for its loyal patrons by tricking them into believing their accounts are current. Today I made a payment in full for the {$99.00} Macy 's states is past due. I also added an additional late fee ( in good faith on my part ) of {$18.00}. I ask that you challenge Macy 's on this unfair business practice.

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 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Certegy Holdings, LLC
State: OH

Complaint narrative:
On XX/XX/2019, I tried to cash a check at XXXX. It was a Social Security Check in the amount of {$1100.00}. The check was denied and I was given a paper to contact Certegy. I sent for the report Certegy had on me and there was no reason give for the denial of the check. Under the Outstanding Items section of the report it said. No information on file. Under the Consumer Report Data Exchange, it stated : Information maintained in Certegy 's files from the Outstanding Items or Resolved Items section of this report may have been reported to XXXX XXXX XXXX  Since there was no reason given I called Certegy and spoke with a person by the name of XXXX and she could not provide with a reason. 
On XX/XX/2019, I tried to cash another Social Security Check in the amount of {$410.00} and again was denied and given another paper to call Certegy. 
How can I continually be denied by this company for no apparent reason, since they are not able to provide me a reason for being denied?

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 2019-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

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 2019-10-28 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: ID

Complaint narrative:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX Debt collection of {$4500.00}. This is not nor was it ever my debt. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX XXXX collection of {$190.00}. Again, this is not or nor was it ever my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I have an unverified account from Ad Astra Recovery. I had previously disputed this account. I have never done business with Ad Astra Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Ad Astra Recovery provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX, I received a letter from XXXX XXXX XXXX XXXX saying that this loan has been discharged in full as of XX/XX/17 and that I do not owe any amounts on the loan. The letter also states that collection activities and credit reporting have been ceased. I received a 1099-C, cancellation of debt in the full amount of the loan of {$10000.00} in 2017. With all of this being said I am still receiving collection calls and the loan is still being reported as delinquent on my credit reports of Equifax, XXXX and XXXX. I would like for the CFPB to investigate and call for the credit bureaus to remove this erroneous information from my credit. It is damaging to me and my character as I begin to use my credit now. I would like for the credit bureaus to remove this information immediately. 

Under the Fair Credit Reporting Act all information reported has to be true, accurate and verifiable. Clearly this information is false and not accurate or verifiable and I am requesting a removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX, I received a letter from XXXX XXXX XXXX XXXX saying that this loan has been discharged in full as of XX/XX/17 and that I do not owe any amounts on the loan. The letter also states that collection activities and credit reporting have been ceased. I received a 1099-C, cancellation of debt in the full amount of the loan of {$10000.00} in 2017. With all of this being said I am still receiving collection calls and the loan is still being reported as delinquent on my credit reports of XXXX, Experian and XXXX. I would like for the CFPB to investigate and call for the credit bureaus to remove this erroneous information from my credit. It is damaging to me and my character as I begin to use my credit now. I would like for the credit bureaus to remove this information immediately. 

Under the Fair Credit Reporting Act all information reported has to be true, accurate and verifiable. Clearly this information is false and not accurate or verifiable and I am requesting a removal.

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 2019-10-28 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My card was used fraudulent and Chase lied about the facts and distorted other facts. 

1. ) I sent supporting documents, the passports, with a newspaper background, showing that I was not in XXXX 2. ) There were charges in two places on the same day, in the states and in XXXX on XX/XX/XXXX, XX/XX/XXXX,. There is  not possible way I could be in those two locations at the same time 3. ) My card was in my possession, I made those charges in the States 4. ) I traveled to XXXX a year prior, as shown on my passport

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: LA

Complaint narrative:
All 3 of the credit reporting companies continue to mess up my reports. Transunion and XXXX are by far the worst. Transunion removed 4 closed accounts in XX/XX/XXXX after XXXX rightfully did. The accounts were closed and had been paid off. Now, all 4 are back on there for NO APPARENT REASON! Also, an account that has been verified as not mine because I never lived at the address where the utility company has these reported and verified this with my lease, DL, and its on my credit report as not living there, was removed on XX/XX/XXXX and now Is back on there. I DO NOT HAVE TIME TO MONITOR THIS EVERY XXXX DAY!!!

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 2019-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX XXXX, I am the sole Director of a charitable organization called XXXX   XXXX XXXX XXXX ( incorporated in the State of Texas, IRS EIN # XXXX ). 

We have a checking account with Bank of America, where we deposited {$3000.00} to avoid monthly fees for account balance imposed by Bank of America. In XXXX of 2018, a fraudulent charge in the amount of {$2000.00} was made at XXXX XXXX retail location in XXXX XXXX, CA. This is the ONLY transaction that has ever occurred in this account. We were never notified of the fraudulent charge in any way by the Bank and by the time we noticed and filed a claim, the claim was not accepted. Additionally, the Bank proceeded to charge monthly fees even AFTER I submitted the formal complaint.

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 2019-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
date: XX/XX/2018
amount: $ XXXX
violation: 12 C.F.R part 1022 Subpart D
               Section 604 (g) 15 U.S.C. 1681b (g)
               section 609 (c)(1)
               section 604 (b) 15 U.S.C 1681 b(b)

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 2019-10-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
All 3 of the credit reporting companies continue to mess up my reports. XXXX  and Equifax are by far the worst. XXXX  removed 4 closed accounts in XX/XX/XXXXafter Equifax rightfully did. The accounts were closed and had been paid off. Now, all 4 are back on there for NO APPARENT REASON! Also, an account that has been verified as not mine because I never lived at the address where the utility company has these reported and verified this with my lease, DL, and its on my credit report as not living there, was removed on XX/XX/XXXX and now Is back on there. I DO NOT HAVE TIME TO MONITOR THIS EVERY XXXX DAY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
All 3 of the credit reporting companies continue to mess up my reports. XXXX and XXXX are by far the worst. XXXX  removed 4 closed accounts in XX/XX/XXXXafter XX/XX/XXXXrightfully did. The accounts were closed and had been paid off. Now, all 4 are back on there for NO APPARENT REASON! Also, an account that has been verified as not mine because I never lived at the address where the utility company has these reported and verified this with my lease, DL, and its on my credit report as not living there, was removed on XX/XX/XXXX and now Is back on there. I DO NOT HAVE TIME TO MONITOR THIS EVERY XXXX DAY!!!

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 2019-10-28 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: WINN LAW GROUP, APC
State: CA

Complaint narrative:
Winn law group apc is trying to sue me for a credit card debit over 10 years old. They claim to have served me a levy dated XX/XX/19 and I never received anything they have filed with XXXX county small claims court and this lawsuit should be happening because statue of limitations has passed

Company response to consumer: Closed with explanation