vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 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: OK

Complaint narrative:
1. On XX/XX/XXXX, XXXX made hotel reservations at XXXX XXXX XXXX OK for {$160.00} for late XXXX via Capital One travel center. 
2. In XX/XX/XXXX Governor XXXX of Oklahoma closed sectors of businesses including the XXXX XXXX in XXXX according to the manager on duty in the included recorded call. Due to Covid19. 
3. No one contacted XXXX XXXX to tell him the reservation had been changed. 
4. XXXX XXXX fortunately called to confirm the reservation was cancelled prior to the date of check in. Attached is proof of the call. 
5. The hotel confirmed the reservation was cancelled due to force majeure. The features of the hotel including the pool and restaurant, that were advertised, had been closed weeks prior. 
6. The cancellation number is XXXX 7. XXXX then waited to see if the refund was applied to his capital one account. It was not. 
8. Despite the hotel NOT charging XXXX, Capital One kept a charge of {$160.00} on his card 9. XXXX placed an outbound call to capital one for 25 minutes on XX/XX/XXXX. Proof attached. 
10. Capital One told XXXX in the call they would refund the amount within 48 hours. 
11. They did not. 
12. Five days later, XX/XX/XXXX, with no refund, XXXX placed a 1 hour and 53 minutes call. 1 hour and 50 minutes on hold to Capital One. Proof attached. 
13. They told him they had marked the charge as disputed and credited his card back for {$160.00} while it was disputed. 
14. Now today XX/XX/XXXX, Capital One has reversed the charge, adding back the {$160.00}. Without proof. 
15. Again, XXXX did not stay at the hotel, had no control over the reservation, and has a cancellation confirmation, and proof the hotel willingly gave him the refund and did not dispute the cancellation. 
16. In a 33-minute call to Capital One, XXXX was informed of the reversal and that he must once again dispute the charge or it will be considered final. 
17. Capital One and travel partners are committing fraud. The hotel confirmed they were closed on the date of the reservation. They confirmed no amount was charged as I did not stay. Capital One told XXXX they would refund the charge. Capital One refuses to return my money. 
18. Capital One inadequately handled the situation causing XXXX to call in multiple times over the course of nearly 3 hours.

19. Capital One has inadequate staffing to handled calls in a reasonable amount of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-29 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: NV

Complaint narrative:
There are several accounts showing on my credit profile that I have never provided my authorization for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: NV

Complaint narrative:
There are several accounts showing on my credit profile that I have never provided my authorization for

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 2020-04-29 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:
EXPERIAN IS REPORTING A FRAUDUELNT ACCOUNT FROM XXXX   XXXX XXXX ON MY CREDIT REPORT. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. BETWEEN THE 2 BIG COMPANIES THEY PROBABLY SOLD MY INFORMATION TO THE THIEF. I DONT EVEN KNOW THE ACCOUNT NUMBER FOR THAT FRAUDULENT ACCOUNT, PLEASE REMOVE THE FRAUDULENT XXXX BALANCE ACCOUNT FROM MY CREDIT REPORT. I HAVE NEVER ANY CHARGES OR PAYMENTS TO THAT CLOSED FRAUDULENT 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 2020-04-30 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: AL

Complaint narrative:
In XXXX of 2020 I filed a dispute with the three credit bureau ( XXXX, Experian, and XXXX  ) about an account that was reporting inaccurately on my credit report which was XXXX XXXX  account number XXXX XXX. I asked for methods of Investigation from all three credit bureaus and received nothing from them. But XXXX  removed this inaccurate account on my credit report which was correct to do according to the FCRA. But XXXX  and Experian did not send me any method of Investigation nor any reason why they were leaving it on my account. Which leads me to believe that there was not a full investigation.i sent another dispute in XX/XX/2020 about this account and it came back verified. How is it that XXXX  removed it because of the inaccuracies which is correct according to the Fair Credit Reporting Act, but Experian and XXXX  Deemed this accurate. I'm asking that they remove this account immediately According to the rules of the Fair Credit Reporting

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 2020-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

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 2020-04-29 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: AR

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

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 2020-04-30 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: NC

Complaint narrative:
In XXXX of 2020 during process of purchasing a home my credit utilization was 50 % on a XXXX XXXX credit card. I was advised to do a dispute for balance since card had been paid down to XXXX. Dispute was done through XXXX XXXX. On XX/XX/XXXX my credit score dropped 115 points. After calling XXXX XXXX they said to contact Transunion which I did. They notified me that XXXX XXXX never responded to dispute so they legally could remove the card. I called XXXX XXXX two more times even speaking to supervisor and they confirm responding to Transunion. 
Also Transunion said to just tell XXXX XXXX to report and we will add back. XXXX XXXX   did report on 21 and Transunion saying did not get it. 
I am at a loss as I need this added back to move forward with mortgage and Transunion is in no way helping. They are being reported to as other agencies are getting the info.

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 2020-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Recently, Firstpoint Collections reported eleven separate medical collections on my credit report. Prior to their appearance, I was not provided with a 30-day notice of my right to dispute. By reporting these collections without giving me the chance to contest them, is a violation of my rights. Additionally, I was requested a verification of debt on each of the eleven collection accounts from Firstpoint Collections. The requests were made by phone and by postal-mail over 30 days ago. Requests for those verifications have also gone ignored, which is also a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was in XXXX XXXX during the XXXX holidays in XX/XX/XXXX and stayed at the XXXX XXXX XXXX. I purchased a couple 's massage at the spa on XX/XX/XXXX and when asked how much I wanted to tip, I said {$60.00} USD. The hotel spa charged me XXXX pesos ( about {$120.00} ) on my Chase Sapphire card. I immediately said " No, this is wrong. I said {$60.00} USD TOTAL, not per person '' and the spa refunded me the payment for XXXX and then charged me XXXX pesos ( {$60.00} USD ), which was the correct amount I wanted to tip. 

When I got home, I realized I never received a refund for the {$120.00} transaction on my credit card statement, even weeks later. I disputed the transaction with my credit card company, Chase. I lost the dispute and have appealed it many times but Chase continues to say that the charges are valid. One of the reasons cited was that they reached out to me for more information but I failed to provide it within the required time frame. The request for more information came in the mail AFTER the deadline to submit it had already passed, which is incredibly disingenuous. 

I have also contacted XXXX XXXX XXXX about this issue and they have admitted the charge was incorrect and said they have contacted my bank to reverse the charge. Chase still denied my dispute, even after this. 

I have receipts showing all 3 transactions - the incorrect charge, the refund, and the correct charge. I also have correspondence from Chase with each dispute denial and an email thread with the customer service company XXXX which manages claims for XXXX XXXX XXXX. 

At this point I'm being charged {$180.00} for a tip on a massage that I wanted to tip {$60.00} for. This is unacceptable. I have incontrovertible evidence that the charge for {$120.00} was incorrect and XXXX XXXX XXXX  has admitted this, yet Chase refuses to give my money back. I have sent them all of the correspondence and the receipts. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: MD

Complaint narrative:
The attached picture shows Transunion caught in fraud, I have one picture from XXXX XXXX  that shows the correct amount, and one picture from Transunion that is malicious. Action if you say that this is a duplicate please send me the duplicate or next time you will see me in dc at that office with the media.

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 2020-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: UT

Complaint narrative:
I received notification of settlement to resolve a debt from IC System. On XX/XX/2020 I went online, entered the reference # XXXX noted on the offer and paid the amount offered to resolve the debt. ( XXXX toward a principal of XXXX ) A few days later I followed up online and the debt did not reflect my payment. I called customer service and assured them the payment cleared my account and gave them the confirmation # I received upon payment. After a moment, the representative stated the payment was applied to a different account. An account to which I had no knowledge. The account to which the payment was applied had time-barred debt. I believe the company knowingly mis-applied the payment in order to reset the statute of limitations on the old debt I was not aware of, in order to hold me liable for set time-barred 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 2020-04-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: TX

Complaint narrative:
Enhanced recovery company, Ive told this company multiple times to stop contacting me they still do at all hours,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2020, {$3000.00} was taken out of my account and a bounced check fee was put on my account after someone else wrote a check from a different account ( they had a copy of the check ) paid to my name. It said they couldnt locate the account for that check so took the money out of my account ( no account number, birthday, or any information about me other than my name in the TO section of the check was present ). Someone other than me cashed the check and US Bank gave the {$3000.00} in cash to whoever cashed that check, and that person was not me. The signature on the back of the check is not my signature. When I noticed the money missing on XX/XX/2020, my local bank refused to set up an appointment, telling me to schedule one on the phone app. When I tried to schedule one on the app there were no available appointments for me to open new accounts. The fraud department at US Bank froze my accounts per my request and facilitated me opening new ones. When I asked if they had asked for ID before cashing that check I was told they couldnt tell me that and Id need to file a police report for authorities to ask any specific questions. I was told if the fraud department could release any information to police they eventually would and I could get my information from the police. I filled out all required paperwork and an affidavit and sent it to them on XX/XX/2020. On XX/XX/2020 I filed a police report with the sherif and called to check on the status of my claim. The fraud department at US Bank said they hadnt received the email or fax despite me receiving a fax confirmation. I was told to wait another day to see if it was received before they would open a claim. Someone wrote a check to someone else with the same name as me ( it wasnt my check or my account- it was a check written to someone with my first and last name ) and US Bank cashed it. Then when the check didnt clear they arbitrarily took {$3000.00} from my account despite that check having been cashed at a US Bank that wasnt my local bank ( they wont tell me what branch cashed it XXXX and Ive not gone out of town at all. On the date in question I purchased lunch where I live with my debit card using my PIN number showing I was physically in a different location than where the check was cashed.

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 2020-04-30 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: NC

Complaint narrative:
I have been a victim of identity theft for several months. Each month I get a credit report now to ensure that everything is correct and accurate. In XX/XX/2020 I received all three credit reports and there were several fraudulent information. I sent a package to all three credit agencies stating what information was fraudulent. In XX/XX/2020 I received a new copy of all three credit reports and some of the old information was still on the reports plus there was a new account. I sent all three credit agencies a new package listing all of the information that was being reported incorrectly and that was fraudulent. I have not received my XX/XX/2020 report as of yet but from what I can see on the agencies website the information is still on my report and nothing has been done to remove it. I have attached a copy of both packages I sent in XXXX and XXXX, a copy of my driver 's license for address verification, a copy of ssn card  for identification, and a copy of my identity theft affidavit.The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have not obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Also, I have not authorized these transactions or authorized anyone to use my information to open these transactions. It is the result of identity theft. 

Fraudulent information : Installment Accounts : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX

Company response to consumer: Closed with explanation