vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay and Uber offered a credit card rewards program that was difficult to access, rules were changed to the detriment of the consumer, benefits were incorrectly calculated, and customer support unable to resolve the discrepancy. In XXXX of XXXX, I attempted to redeem rewards associated with Uber Credit Card promoted by Barclay. However, the process was confusing enough to cause me to try again later. In XXXX of XXXX, I had approximately XXXX points ( {$910.00} value ) earned for the account. I learned the program had recently changed to only allow rewards to be redeemed through Uber. Yet, the Uber app did not reflect my point balance. I was unable to redeem any of the points earned so far. Only newly earned points were reflected in the Uber app. I reached out to Barclay and Uber but both have been unable to resolve this issue. Two supervisors at Barclay have understood my concern and XXXX gave me a courtesy credit of {$200.00} while acknowledging that there were other customers with the same problem. Uber support responded with arbitrary prepared messages unrelated to my issue, despite reaching out multiple times between XXXX and XXXX, XXXX. Ultimately, I consider Barclay responsible for this because I entered into an agreement with Barclay and expect to deal with Barclay for resolution of the issue. For reference, I'm including some dates associated with Barclay communications. 
XXXX, contacted Barclay, case XXXX closed without explanation. 
XXXX, contacted Barclay, case XXXX closed without explanation. 
XXXX, contacted Barclay, case XXXX, talked to manager XXXX who understood my issue, found other cases of customers experiencing the same problem, and gave me {$200.00} statement credit as a courtesy due to the ongoing trouble. 
XXXX, contacted Barclay, talked to XXXX ( same manager ), no change in status. 
XXXX, contacted Barclay, talked to XXXX ( employee id LASMMO ). 
XXXX, contacted Barclay, case XXXX, talked to manager XXXX who understands issue. 
XXXX, contacted Barclay, told to contact Uber directly, XXXX XXXX XXXX, help@uber.com ... of course, as before, responses from Uber were not related to my issue at all.

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 2020-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Service of Nevada
State: CA

Complaint narrative:
Collection Service of Nevada is attempting to collect a debt that was the result of identity theft. Also they are attempting to collect a debt that still belongs to the original creditor XXXX of XXXX. Also Collection Services of Nevada is, or has inflated the alleged debt from {$1500.00} to {$1800.00}. Collection services of Nevada is in violation of the Fair Debt Collection Act and the Fair Debt Reporting Act. Collection Services of Nevada has no regarded for the consumer laws. Collection services of Nevada has not sent any documentation that they own this alleged debt and has changed the original amount of this alleged debt in violation of the law. Collection Service of Nevada has disregarded the fact that I have not or was a residence or was the occupant during the time this alleged debt occurred.

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 2020-10-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. 

I look forward to a timely and amicable resolution to this matter.

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 2020-10-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently sent a letter over 60 days ago, to this bureau, and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this, with no response.

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 2020-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
This is not a duplicate complaint about fraud but the complaint is about the cards payment policy that assist the thief when card is unknowingly stolen. Unlike when you deposit into your bank ; there isnt a hold on a payment and credit card companies instantly make payments available. Discover allowed three deposits totaling {$11000.00} in succession using the same bank and all payments made and bounced in a 10-day period. I can understand one, but 3 payments on the same card using the same bank account and that quickly??

Discover blames me but payments are out of my control. Credit Card companies give you a credit limit but do not protect the owner nor adhere to the credit limit. The more that is spent on a card ; the more money a credit card company makes so any problems and it is easier to blame the card holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. I didn't see any changes on my report since I've already paid for this account and never missed any payments. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-10-11 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: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
In XX/XX/2020, I received a credit monitoring alert that my account with Kia Motors Finance was reporting a repossession and the account was closed. However, I was making on time monthly payments, the car was not repossessed, and I never received communication from KMF that my account was closed. My payments were made directly from my bank account, so it wasnt until this time that I discovered KMF was not generating any monthly statements for my account. In XXXX and XXXX, I called KMFs customer service to determine what was happening to my account and to ensure my payments were being correctly reflected on my account. In XXXX, I filed an internal dispute about the credit reporting and was also assured that I would begin to receive monthly statements. After waiting a month, I still was not getting a monthly statement and my account was re-reported a closed/repossessed. In XXXX and XXXX, I emailed two of XXXX XXXX executives with the above information, asking for immediate clarification and correct reporting. A few days later in XXXX, I received a call from someone in the corporate office offering to help me. She was able to finally get statements reporting starting in XXXX, but I am still dealing with inaccurate credit reporting. Between XXXX and now, I will get an alert the account is reporting as repossess/closed. I will eventually get Kia to report it as open, and then the next month it will go back to reporting as closed on at least on CRA report. The most recent incident occurred with my XXXX report on XXXX XXXX. I should not have to spend hours on the phone to ensure accurate monthly reporting on 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 2020-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline.

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. 

I look forward to a timely and amicable resolution to this matter.

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 2020-10-11 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: FL

Complaint narrative:
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline.

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. 

I look forward to a timely and amicable resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is not a duplicate complaint about fraud but the complaint is about the cards payment policy that assist the thief when card is unknowingly stolen. Unlike when you deposit into your bank ; there isnt a hold on a payment and credit card companies instantly make payments available. Chase allowed deposits totaling {$5300.00} in succession using the same bank and all payments made and bounced in a 2-week period. I can understand one, but 2 payments on the same card using the same bank account and that quickly??  And one was one day after my normal payment! AND CHASE THEN ALLOWED {$9500.00} OF CHARGES!!! Chase has yet to send all information of method of payments. All charges from XX/XX/2017 were not authorized. 
Chase blames me but payments are out of my control. The thief even changed the phone number and Chase was talking to the thief. Credit Card companies give you a credit limit but do not protect the owner nor adhere to the credit limit. The more that is spent on a card ; the more money a credit card company makes so any problems and it is easier to blame the card holder.

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

Complaint narrative:
I paid {$4000.00} to pay off in full a XXXX  XXXX credit card debt with XXXX XXXX XXXX. Anytime I pay off a huge derogatory account like this my credit usually jumps up 30 points or more but this one only went up three points and I want this to be reevaluated.

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 2020-10-11 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: MO

Complaint narrative:
Equifax, XXXX, and XXXX is not validating accurate information of child support showing up on my credit reports. The information is wrong and not my debt.

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

Complaint narrative:
I paid {$4000.00} to pay off in full a XXXXl XXXX credit card debt with XXXX XXXX XXXX. Anytime I pay off a huge derogatory account like this my credit usually jumps up 30 points or more but this one only went up three points and I want this to be reevaluated.

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 2020-10-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I paid {$4000.00} to pay off in full a XXXX XXXX credit card debt with XXXX XXXX XXXX. Anytime I pay off a huge derogatory account like this my credit usually jumps up 30 points or more but this one only went up three points and I want this to be reevaluated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Account Services, Inc.
State: DE

Complaint narrative:
Allied Account Services placed a collection on behalf on XXXX XXXX? We were never notified of any outstanding balance by XXXX XXXX or Allied Account Services. I am unsure what the bill could be for, however we owned a home in Rhode Island and have sold and closed the sale on home in XXXX. At closing any bills owed would of been paid. Electric and Gas were transferred to new home owner at that time. I find this to be harmful and possibly illegal by both XXXX XXXX and Allied Account Services. We have had no communication with either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Assistance Inc
State: TX

Complaint narrative:
Financial Assistance , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX I've tried repeatedly to have this unknown debt removed via written dispute requests, but the collections agency refuses to validate this debt and perform any valid investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not 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 2020-10-11 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit not applied for purchase not made even though merchant reimbursed my account. Also Capital One rebelled me for same charge merchant reimbursed me for. The original charge never taken off my credit account {$26.00} dated XXXX XXXX. This charge is on my 4 times, I only completed transaction one time around XXXX XXXX ( purchase from XXXX  order # XXXX ) that is the only order completed. Capital One exploits the consumer cyber crime is the most hedious prevalent crime being done today. with this pandemic going on cyber crime is getting worse. If you can not resolve the issue please take it to the next step.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-11 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: MO

Complaint narrative:
XXXX XXXX and Transunion is not validating accurate information of child support showing up on my credit reports. The information is wrong and not my debt.

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 2020-10-11 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: MO

Complaint narrative:
XXXX, Experian, and XXXX is not validating accurate information of child support showing up on my credit reports. The information is wrong and not my debt.

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