vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AUTOMOTIVE CREDIT CORPORATION
State: IN

Complaint narrative:
my vehicle was repossessed spring of 2017 on a Thursday evening around XXXX I was headed to a late evening meeting and the repo truck meet me behind the vehicle they were taking. I began to get my things out of the car and they began to get very aggressive both verbally and physically. I put my key into the ignition so that I could put the car in neutral for them. As I put the key in the ignition the repo truck operator grabbed my hand and yelled at his partner " I got him key get the key get the key ''. as he squeezed my hand and snatched the key out of my hand. This was a breach of peace. in regards to the debt owed I never received a letter stating my debt I moved from my old apartment. the only way I found out about this debt is because I was contacted by my grandmother who lives in XXXX Ohio and she said that I was being sued I drove to XXXX to take care of it however im not sure how they even obtained her address but I live in Indiana the entire time even when the loan was originated but they're suing me in Ohio for a unverified amount of money that I was not even aware that I had the right to dispute. I contacted Automotive credit Corporation about the debt owed and they said that they would not discussed the debt any further unless they speak to an attorney.

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 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX contacted me about a debt that was owed back in 2007 that is past the statue of limitations. I told them this and asked them to stop calling. They have called my business line at XXXX, I have the voicemail from this. They call my business line repeatedly even when told not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: G. Reynolds Sims & Associates, P. C.
State: MI

Complaint narrative:
On or about XX/XX/2012 G.Reynolds Sims & associates P.C. filed a complaint against this consumer in the name of XXXX , XXXX in the XXXX district court of Michigan. 
G.Reynolds Sims & associates P.C., attached to their complaint, an affidavit sworn to by a lawyer from their firm and endorsed by a woman without an active notary commission with the State of Michigan. 
Michigan law prohibits lawyers or lawyers from a firm from acting as witnesses in cases they're litigating on behalf of clients. 
Michigan law further prohibits unauthorized use of a notary. 
This consumer is not certain whether it was actually XXXX XXXX XXXX that unlawfully notarized the affidavit or if G Reynolds Sims & associates P.C. unlawfully used her name unbeknownst to her. 

Nothing in the record at the XXXX district court of Michigan indicates that the plaintiff ever appeared in an adversarial process, YET THE DEBT COLLECTION ACTIVITIES CONTINUE TO THIS DAY. 

A collateral complaint has also been filed with the State of Michigan Office of the Great Seal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a notification from XXXX XXXX stating that my personal data may have been compromised. I investigated this and found that my information was involved in 9 different data breaches between XXXX and XXXX. As a result, I changed my XXXX XXXX password as this was all I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: AZ

Complaint narrative:
I recently received a credit report from Equifax. I saw that my job classification on the report was 20 years old and i contacted them to update/change it. I have been receiving email notices from Equifax that states i am able to view the status of my dispute ... but for 5 weeks i have tried to access " view status of dispute '' on their website and have gotten " Service unavailable at this time. Please try again later ''. My complaint here is more about their sham web access than my original dispute about job mis-classification. I'm one taxpayer that thinks Equifax board members ought to be in jail for PII breach. I fully support the work that you do. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received a notification from XXXX XXXX stating that my personal data may have been compromised. I investigated this and found that my information was involved in 9 different data breaches between XX/XX/XXXX and XX/XX/XXXX. As a result, I changed my XXXX XXXX  password as this was all I could do.

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 2019-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My Name is XXXX XXXX and I have been using XXXX ( XXXX XXXX ) for almost 4 years. I have my Chase bank debit card and account number linked to this app. I have never had any problems using this money transfer app. I send my roommate ( XXXX XXXX ) my portion of our house bill via XXXX XXXX every month. 
However, On XX/XX/2019 around XXXX, I tried transferring my portion of our bills ( {$380.00} ) to XXXX XXXX via XXXX XXXX. I opened my XXXX XXXX account, l went to recent activity, I selected XXXX XXXX name, which was on top my recent activity list, and I sent the money. He accepted it right away ; He replied with a thumb up. On the following day, while I was at work, my roommate, XXXX XXXX called me and asked for my portion of the bill. I told him that I had sent the money yesterday via XXXX XXXX, I told him that he even replied with a thumb up. He said, " let me check, I don't think I received any money or replied to you yesterday. After checking his XXXX XXXX account, he said to me that he did not receive the money. I opened my XXXX XXXX account and checked the transfer. I realized that there were two XXXX XXXX accounts. I knew right away that I was scammed because I have only been sending money to one XXXX  Account. I realized that someone created a fake account using my roommates information. The Scammer also appeared on my recent activity list, which I could not understand. I was confused and wondering how could his be possible. 
So, I contacted my bank, Chase Bank right after I got off the phone with my roommate and told them not make payment to the transfer. I explained to them the whole problem. The Fraud Specialist told me that they couldnt stop the payments or investigate the matter. I would have to contact XXXX XXXX and tell them to initial a dispute. 
I emailed XXXX XXXX ( XXXX XXXX ) and told them everything. They told me that they are XXXX XXXX is unable to initiate disputes with a customers bank on their behalf. 
After making several phones calls to Chase Fraud department and exchanged many messages with XXXX XXXX support group, both companies made it clear that they were not going to investigate my case. 
So, I did XXXX all weekend ( XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX ) to pay my portion of the bill. I made XXXX and I added other money that I had in my Chase account. I went to my XXXX XXXX   account, this time I was more careful, selected the right XXXX XXXX account, I transferred {$380.00} to his account. I was confident that this time he would get the money. Also, I had transferred {$20.00} to XXXX XXXX via XXXX XXXX on XX/XX/XXXX and it was successful. Unfortunately, the money went to the scammer. This was more confusing, because I selected the right account. I contacted Chase Fraud right away and XXXX XXXX. Both said they could not help. 
I lose a total of {$770.00} ( {$380.00} * 2 ). I will close both accounts as soon as I get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In acct # XXXX, this acct is isolated from the outside minus a few specific types of secured transactions ... edi, ach ... etc and I used this acct to be the holding spot for transfers to places like XXXX. 

On XX/XX/XXXX I was debited {$6.00} & {$74.00} for products I ordered from XXXX, but never recieved.. XXXX claims the products were delivered to the hotel, however, I never recieved them and believe this to be of a greater malfeasance effort by the hotel 's deceptive practices and the less than adequate & properly screened employees. 
These transaction must be disputed as product not received, given XXXX fails to provide a manner to internally dispute this on their platform.. 

Additioanlly, On XX/XX/XXXX a XXXX ( XXXX ) purchase was made of {$230.00} -However, I was declined service, yet they kept my $ XXXX This transaction must be disputed as a bait & switch matter where they rejected my stay due to having service animals and the employees failed to internally document this matter.. I was held accountable for their employee negligence?? XXXX XXXX as a merchant policy accepts money and then calls police to remove customers from their property without refunding the money paid for the product/service. This charge must be disputed and charged back to merchant. 

Lastly, this is the merchant transaction that began this whole entire mess and is the focus of discussion with Counsel for next steps with the merchant ... On XX/XX/XXXX XXXX XXXX debit of {$430.00}. This debit was not the agreed terms nor the agreed rate and due to my complaint for this transaction ; I was forcibly removed from the property and I suffered from loss of property totalling into the {$500.00} range, The merchant policy to conduct themselves in deceptive and dishonest practices and then weaponize the police to complete their dirty dealings is abhorrent. Furthermore, debits on XXXX & XXXX for {$100.00} were unauthorized and among the others, must be disputed.

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 2019-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
There are 2 charges on my credit report from a collection agency " Trident Asset Management " They claim i own 2 payments to XXXX. 1 from XX/XX/2015 the amount of {$34.00} the second from XX/XX/2015 with amount of {$140.00} I never had a XXXX account on my name. I disputed both claims and both were denied. I called the agency to find out the number is a fax. I read the reviews and they all experiencing the same problem i'm having

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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 XX/XX/2017 I called XXXX XXXX to pay a transfer balance of {$520.00} pay to XXXX 's credit card apparently XXXX XXXX stated that the amount has been paid and the transaction has been completed, but later I got a called from XXXX  's saying that i was late on my payment, so I contacted immediately to XXXX XXXX and asking what happened with the transaction, after I spoke with several managers I have been told that the money was paid to XXXX XXXX XXXX   instead XXXX  's, I also found out that XXXX 's is owned by XXXX  and not by XXXX XXXX XXXX . Mistake was done by XXXX XXXX, XXXX XXXX reported to the credit bureau and it looks horrible in my credit score that iam in collection for not paying the money, I could not refinance my house due to a bad credit and it was denied by refinancing bank.

Please see attached files evidence that XXXX XXXX did not pay on my request to XXXX ' s instead cause tremendous stress a damaged my credit and I have to pay late fees to XXXX  's

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Applied for XXXX XXXX Credit Card from Capital one, on the basis of prominent Headline advertised 4 % rewards rate on Amusement Parks -- - XX/XX/2018 Not honored for XXXX XXXX XXXX Official Website ticket purchase -- - XX/XX/2018 Contacted XXXX who claimed are not responsible for how transaction gets coded by Credit Card provider. 

Contacted repeatedly ( 4 times ) Capital One to have rewards rate rectified. Requests are apparently logged and silently denied. 

Capital one refuses to take XXXX purchase receipt for verification / consideration. 

Headline advertising for 4 % rewards on amusement parks demoted from headline marketing website -- - XX/XX/2018 2018

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Back in 2018, I disputed this account directly with Portfolio Recovery Associates ( PRA ) and requested validation of this debt. Once I received validation and verified  this was a legitimate account, I made payment arrangements with their office to pay this account in full by making monthly payments. On my credit report, this account is reported as " Dispute resolved ; customer disagrees ''. I never once relayed to PRA that I disagreed with the final outcome of the dispute. I obviously did not disagree because I made payment arrangements and continue to make monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: GA

Complaint narrative:
I purchased this car XXXX of 2017. I was ontime with my payments in the beginning but i became a victim of XXXX XXXX in which i was unable to work due to XXXX XXXX, XXXX XXXX, being relocated to a harmony home because of many threats. Now i am in the process of trying to purchase a new home due to the offender being arrested and i am trying to start fresh with my daughter my credit report is not the issue. All that i ask due to me being a long term customer with Capital one and due to me getting a settlement i am able to catch up with my bills and become current. I am requesting that they give me a second chance with my life by revising my trade lines with the credit reporting agencies. I sincerely hope that there is redemption at Capital One, and i beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome. 

Regardless of your decision, please know that i thank you for helping me at a time when it was needed, and I hope to do business with Capital One again one day! I have been through XXXX and back and i am now a living testimony!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank will not honor my dispute in good faith in crediting my account for charges using my debit card that I did not make!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On 3 occasions Citibank has submitted a exorbitant and unapproved payment which has caused my bank account to go into negative an incur fees. This was supposed to have been resolved last month, but has happened again. When reported to customer service, the credit card company at first failed to take responsibility. At first they tried to blame my bank, then they tried to blame me, then they tried to give me minimal compensation even after admitting their fault. Only after persistent calling and finally escalating to an account manager did Citibank take responsibility and compensate me for incurred fees. 

The problem has arisen again, and again Citibank is failing to take responsibility. 

Dates : On XX/XX/2019 my bank account was charged {$8800.00} by an ACH process triggered by Citibank. I contacted customer support immediately, and was told it wasn't on their side. My bank returned reversed the ACH and charged me a fee. 

On XX/XX/2019 and XX/XX/2019 the same amount was charged and was reversed the following days by my bank. I had to state my case multiple times and argue with multiple customer service agents. I was offered less than the fees charged, but was finally compensated on XX/XX/2019 of the full amount of fees which was {$100.00}. 

On XX/XX/2019 the amount of {$8500.00} was charged to my bank. I contacted customer support who again did not take responsibility for an unauthorized payment. 

Citibank also fraudulently affected my credit score by misrepresenting my balance ( most of which is in dispute and should not have been posted until the dispute was resolved ).

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 2019-05-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
on XX/XX/2019 I finally received the special made for me XXXX XXXX, one for XXXX and one for sleeping with from XXXX. XXXX XXXX XXXX. and they do not fit and the craftsmen ship is so bad on the XXXX appliance it nearly sliced my finger open while trying to XXXX XXXX XXXX XXXX XXXX. So sharp that if I were to have even been able to wear it it would cut my XXXX open. The XXXX XXXX is a little better but is also not made very well. I was charged {$8500.00} for these XXXX XXXX I can ton use. I have shipped them back to XXXX. XXXX XXXX XXXX in XXXX XXXX. I am dispusting the total of {$XXXX} also If XXXX XXXX XXXX is in fact a DOCTOR of XXXX then him and his office staff should have also abtained from me my medical history including any and all medications I am on befor any XXXX work is to be done. I am a XXXX   person and should be perscirbed XXXX  prior to any work being done as I have a XXXX XXXX that should have been addressed. XXXX XXXX XXXX is not a doctor that wants people to get well he is a scam doctor that is just out for the o'l mighty dollar. I believe that care credit/synchrony bank and XXXX XXXX XXXX XXXX are inguaging in unethical business dealings as well as preitory lending and violating the fair credit reporting act. It is also against the law for my account number to be listed in its intirety on my bill.

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 2019-05-06 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: GA

Complaint narrative:
This XXXX XXXX Account never belonged to me and after disputing the account with XXXX XXXX they sent me a letter stating they would remove the item due to fraud.A month went by the account didn't appear on my credit however I just checked my report today as of XX/XX/2019 and XXXX XXXX is back on my report due to the FCRA this is totally illegal and I have grounds to sue. This is causing me trouble being that I want to purchase a home.

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 2019-05-06 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: GA

Complaint narrative:
This XXXX XXXX Account never belonged to me and after disputing the account with XXXX XXXX they sent me a letter stating they would remove the item due to fraud.A month went by the account didn't appear on my credit however I just checked my report today as of XX/XX/2019 and XXXX XXXX is back on my report due to the FCRA this is totally illegal and I have grounds to sue. This is causing me trouble being that I want to purchase a home.

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