vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 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: MD

Complaint narrative:
Called the debt collection company that appears on my credit report at the number provided. After providing the account number shown on the credit report, personnel at the company could not discuss the account with me because the account is NOT IN MY NAME. I asked why it is on my report? Personnel and a manager could not tell me anything about the account because my name is not on it. 

I then called the original creditor as shown on my report -- they could not find a delinquent account in my name. I was able to determine the name on the account is that of my sister, with a similar name. 

The debt collector acquired that delinquent account and associated to me in error and won't remove it. I have filed dispute with credit agencies and the debt company keeps reporting the information as correct.

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 2020-11-10 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: MI

Complaint narrative:
I found a lot of errors on my credit report. I asked for those accounts to be investigated within 30 days. I did not receive any response until those 30 days, and also i have not received any of those account with my signature proving that these accounts belong to me.

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 2020-11-10 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: CL Holdings LLC
State: OH

Complaint narrative:
This is a complaint against XXXX, Jefferson Capital, and XXXX regarding a collections on file from XXXX XXXX. 

This collection originated from XXXX for an early termination fee ( ETF ). I have not been a customer of XXXX since XXXX. 

When making plans to cancel my service with XXXX, I spoke to the customer service department to get the correct date for cancellation. I kept my service for another six months in order to cross the contract 's line before terminating as instructed. 

I was never invoiced for this ETF from XXXX nor did I receive any calls regarding this fraudulent charge. 

In XXXX, XXXX sold the bogus debt to Jefferson Capital, INC.

Jefferson Capital has contacted me by phone multiple times, however I told them to send me the details in the mail so I had them in writing before determining what this collection was for. They never complied with my multiple requests over FOUR YEARS. 

Because of this failure of being upfront and credible, I've stopped answering any of their harassing phone calls and refuse to deal with them anymore. 

I've disputed this twice with XXXX and they say they have done a satisfactory investigation into the matter. It is clear they have not because XXXX dropped this exact collections filing IMMEDIATELY upon receiving my dispute. 

I attached XXXX XXXX documents to my dispute filing with XXXX to serve as proof and make their job easier. XXXX ignored said attachments. 

This is a ridiculous abuse of power over a small consumer 's credit during a time many of us need the protections of credit the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have been having a hard time getting disputes resolved with Capital One lately. I emailed the disputes but got no response, so now filing this. I filed with XXXX and Capital One said I didnt respond which I absolutely did a week prior. I have called them, emailed them and have got nowhere. There are 4 transaction rebills, 3 of which I got no notice on before they were rebilled to keep these open. I just called Capital One and they said that the letter for {$930.00} dispute was also for the {$59.00}, {$2200.00}, and {$220.00}! I have been a long time customer of Capital One! Since when do they not take the side of your customer and actually ask the merchant about it.I submitted more papers online for the {$930.00} + {$59.00} charge. With this covid, businesses have been closed, we can't get our money back. I filed papers online and by mail ( which is how Capital One wants it ) for {$2200.00}. That's why I charge things to my credit card to make it easier for fraud or disputes. Please look into these charges because am still disputing them and they should be taken off. I have got nothing that the merchants responded to on these.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My dad and I share a bank account with TD Bank. On XX/XX/20, I noticed there were five unauthorized XXXX transfers on my account for a total of {$4800.00} to someone I did not know that occurred. I immediately notified TD Bank and submitted a fraud claim. I also froze the account and opened a new account. At this same time, my dad realized that his information had been compromised as he noticed fraudulent activity on his other TD accounts and he also opened a new account. We have both called TD Bank and told them that we had never authorized XXXX. XXXX had never been used on my account before. 

After following up, I have been told by TD Bank that my fraud claim has been denied since my dad 's email address was used to authorize XXXX. This is despite the fact that we told TD Bank that my dad 's information had been compromised and that we have never authorized XXXX. 

TD Bank has told me that I am liable for the full {$4800.00}. When I called TD Bank today, I was informed that I needed to submit proof that my dad 's information was compromised. I am not sure how to produce such information other than the fact that we immediately reported the fraud, closed the accounts where the fraudulent activity occurred, opened up new accounts and have changed the passwords on all of our accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Around XX/XX/XXXX I opened a credit card account with XXXX XXXX to purchase leads for my company. The parent company abruptly closed in XX/XX/XXXX. I owed an amount of {$2100.00} on the balance. The debt was eventually placed with Asset Acceptance and then turned over to Midland Credit Management. I have apparently been sued for this debt because I just received a copy of a judgment order from XX/XX/XXXX saying I need to inform them of what possessions I own. I have never been served with an order to appear in court, and this debt is 13 years old AND it doesn't even appear on any of my credit reports. I think this is way for them to get me to pay an old debt they obviously bought. I also think this debt is time barred. I don't know what to do, I'm XXXX due to XXXX XXXX XXXX and have no money to pay. The debt is now {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
My card details were stolen and used fraudulently on XXXX XXXX & XXXX XXXX. I called, we jointly identified 3 fraudulent transactions and a case was opened. 
On XX/XX/XXXX I called the credit card co bc several legitimate transactions had been charged back for a period of several months. They assured me these would be corrected. 
On XX/XX/XXXX I called again to let them know 2 chargebacks had not been corrected. I paid these bills with the companies concerned for a second time - one was XXXX and I did not want to be without coverage and the other was a medical bill I did not want sent to collections. 
On XX/XX/XXXX I was told by the credit card company that the chargebacks were being corrected and there was possibly a delay with funds being sent from Mastercard which could take up to 2 billing cycles to arrive. I was refunded {$25.00} to my account to cover a chargeback fee applied by the medical billing company. 
In XXXX, XXXX received the reimbursement and sent me a check for the duplicate payment. This left only the medical bill to be resolved. On XX/XX/XXXX I received a letter from Barclays stating that my case was now with a dispute specialist, and that a temporary credit would be placed on my account while it was in dispute. I have never received the temporary credit. 
On XX/XX/XXXX Barclays wrote again stating that they had contacted the medical company and were awaiting a response. They again said a provisional credit was placed on my account. I still have not seen the credit. 
On XX/XX/XXXX I wrote again to Barclays, confirming that I had not received the credit and also reiterating that the original bill was not in dispute. They billed, I paid, Barclays incorrectly charged back, they did not reimburse, I was rebilled, I paid, I have not been reimbursed. As of XX/XX/XXXX, the medical company has not received a correction to the chargeback. I have provided Barclays with the medical bills, and a statement covering the period in question. This incident is now over one year old. Phone calls get me absolutely nowhere.

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 2020-11-10 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: NJ

Complaint narrative:
Hi. I made a large purchase of personal computing hardware and software from a couple different retailers. Approaching $ XXXX in total from the end of XXXX into XX/XX/XXXX. The three credit reporting agencies all dropped my excellent credit score by a significant amount based on these purchases. This complaint is specific to TransUnion. 

I have excellent payment history with all of my credit cards and credit lines going back 15+ years. I have automatic payments set up from my bank account paying in full whatever statement balance there is every month. I never carry a balance on my credit cards. My payment behavior with my other creditors is similar going back at least 15 years - always on time, always in full except for one piece of property and one car which were financed for a few years, though, both of them are now paid off ( and those payments were always made on time ). 

I called TransUnion about this and was basically blown off. The representative wouldn't discuss the issue with me except to recite that the credit score is based on their system. I couldn't get them to acknowledge what my problem even was.

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 2020-11-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have summarized the timeline from the police report and the phone calls Ive made regarding this issue. 

Approximately at XXXX on XX/XX/2020 my wife and I arrived at the XXXX XXXX restaurant. We sat at the bar to visit and later order dinner. 
Based on XXXX XXXX surveillance video : XXXX Suspects entered XXXX XXXX and put their names down with the hostess. 
XXXX Suspects were viewed standing right behind XXXX XXXX XXXX XXXX XXXX Suspects are seen leaving the restaurant. 
XXXX XXXX receives a text from Bank of America regarding three charges at XXXX XXXX across the parking lot for two charges of {$3500.00} and one charge of {$3700.00} which I promptly responded NO. 
Based on XXXX XXXX surveillance video : Same suspects are seen using XXXX XXXX Bank of America credit card which they had removed out of XXXX XXXX zipped purse by stealing her wallet. 
They purchased gift cards and phone cards. 
XXXX Suspects are seen leaving XXXX XXXX. 
Sunday morning between XXXX and XXXX : I call XXXX Police department to report the theft of XXXX XXXX wallet from her purse. They gave me report number XXXX and I talked to Officer XXXX giving him details of what had happened and what was missing. I promptly called Bank of America and was told fraud department was open business hours Monday though Friday. I gave them the police department case number and they issued new cards. Monday, XX/XX/2020 I called Bank of America again to follow through and make sure they had all the information necessary. 

I received a letter dated XX/XX/2020 from Bank of America denying the fraud claim. The letter stated I allowed the suspects to use the card and PIN number which they couldnt of had access to. On XX/XX/2020 I promptly called the phone number on the denial letter and talked to XXXX, I was on hold for over 20 minutes. I stated my position and demanded somebody from Bank of America, that could resolve this issue to call me back. I also requested a transcript of our conversation. XXXX stated that somebody would call in two to three days. I have yet to receive the call or any other correspondence. 

I've included an attachment of the denial letter from BoA, the police report and a copy of the text messages denying the charges

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 2020-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened my Capital One 360 Performance Savings Account ( hereafter called " my account '' ) on XX/XX/2020 and had successfully transferred {$20000.00} into my account by XX/XX/2020. When opening my account, I used the active promotion " SCORE500 '' to receive a {$200.00} bonus after keeping at least {$20000.00} in my account for at least 90 days straight. Despite having at least {$20000.00} in my account for 90 days straight ( and counting, as it is all still in the account to this day ), which was supposed to automatically grant me the {$200.00} bonus that Capital One promoted, Capital One has not yet paid me the bonus. It has now been 165 days and counting, and they have not told me when I will receive the {$200.00} bonus despite my calling them several times since opening the account ( and since the 90-day period ended ). 

For more context : After around 120 days of the account being open ( 30 days more than I should have had to wait ), I called Capital One again to ask them where my bonus was, and they said that everything looked fine in my account and that I should receive the {$200.00} bonus no later than XX/XX/2020 ( well after I was supposed to receive it by ). I told them that I should not have to wait this long, but they assured me that I would definitely receive it BY XX/XX/2020, and quite possibly sooner than that. On XX/XX/2020, I still did not have the {$200.00} bonus posted in my account, so I called Capital One again and they said that, again, everything looked fine and I should be able to receive the bonus, but they need to file an internal report and it will take up to an additional 20 calendar days for me to hear back from them. Given that this is the third delay, I have lost all patience. No consumer should not have to wait this long from any financial institution to live up to their promises, and until I actually receive the bonus that was promised to me, I unfortunately do not trust that I will ever receive it ( despite them telling me that I will receive it ; after all, they already lied about the date by which I would receive the bonus, so how can I trust them to actually pay me the bonus in the end? ). I feel that Capital One is engaging in predatory business practices to keep my money as long as they possibly can. I expect to receive my {$200.00} bonus immediately, and I can only hope that Capital One is not systematically delaying the bonuses that it had promised others as well in an effort to not pay out as much interest on that bonus money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received on XX/XX/2020 a prepaid debt card XXXX XXXX XXXX XXXX from usbankreliacard. I did call the XXXX XXXX XXXX phone number and was told I needed to file this form as this is clearly FRAUD! Someone has stolen my identity and has file unemployment in my name!

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 2020-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: R & R Collection Service, Inc.
State: CO

Complaint narrative:
I keep getting threating phone calls stating they will be coming to my job and my supervisor or HR needs to be there to witness but they never state what its for and now I am getting text messages saying they will be coming to my house on a specific day between XXXX - XXXX and I have to sign for something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: OH

Complaint narrative:
I have tried calling experian and disputed an incorrect amount owed on my credit report several times. I also called XXXX XXXX XXXX again with no results. XX/XX/XXXX and XX/XX/XXXX have the correct numbers from XX/XX/2016. 
The amount of XXXX is showing up on my credit report as delinquent from XX/XX/XXXX from experian. When I disputed this amount which should be XXXX, Experian kept the amount open and updated this amount. This resulted in my credit score reduced over 100 points. I have been careful with my credit and I dont know what else to do. I called a lawyer who told me to file a complaint with you since Experian does not have anyway of talking to a person. I am hoping that you can help me fix this horrible problem. My lawyer called XXXX XXXX XXXX and was told that the balance is XXXX so she told me that the problem lies with Experian only. I really need your help and have noone else to turn to. This closed account should be showing a XX/XX/XXXX balance on the experian credit report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: MI

Complaint narrative:
I found a lot of errors on my credit report. I asked for those accounts to be investigated within 30 days. I did not receive any response until those 30 days, and also i have not received any of those account with my signature proving that these accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I found a lot of errors on my credit report. I asked for those accounts to be investigated within 30 days. I did not receive any response until those 30 days, and also i have not received any of those account with my signature proving that these accounts belong to me.

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 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Predatory revenue creation. The Covid-19 pandemic happened, American Express increased the annual renewal fee from {$60.00} to {$150.00}. On my Amex card, XXXX XXXX charged me a membership renewal fee for their service I have not used in over a year because there is a pandemic happening, and XXXX would not let me cancel the membership. I disputed the charge with Amex, and Amex claimed the dispute would be resolved. Amex failed to resolve the dispute, and began charging me late fees on the charge. I already told Amex I would not be paying the charge, or late fees, I want my account closed, and Amex did not comply, but Amex was sure to continue adding late fees, and harassing me for not paying the disputed transaction. 2018, I previously reported XX/XX/XXXXXXXX XXXX and XXXX fraud to the CFPB, and the issue remains unresolved, and Amex used the unresolved issue to apply a limit to my Amex credit line. I also reported XXXX, the Department of Education, et al fraud and harassment to the CFPB, and the issue remains unresolved to the point of me being economically hazed from my college program due to XX/XX/XXXXXXXX XXXX et al extorting and libeling me via fraudulent credit reports, and I receive daily harassment from the above businesses in their failure to resolve my grievances they created. I am the Consumer, my Finances need Protection, and the CFPB has consistently failed me along with those mentioned above, and many more.

Company response to consumer: Closed with monetary relief