vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In late XXXX, XXXX, I went to Florida to visit friends and rented a car from XXXX at the XXXX airport. It was billed on my Capitol One credit card through XXXX vacations. Before dropping the car off back at the airport, I stopped at a gas station and filled up the tank. 
Yet what appears on my credit card but an unauthorized charge for {$43.00} for gas for the car. This was billed on XXXX XXXX. I was outraged, and called the credit card when I saw the charge.. I got passed from one person to another to another and finally someone said they would remove the charge due to fraud. The charge was removed on XX/XX/XXXX ... and then immediately replaced. When I called again, it was removed on XX/XX/XXXX ... then put back on XX/XX/XXXX. 
I tried the XXXX what an oxymoron. They give XXXX a top rating. I will never trust them again. Meanwhile customers give it the lowest rating possible, one star, and there have been nearly 2000 complaints from customers the past three years. 
Plus when I checked other people have been hit with the same thing here 's one on XXXX " But my biggest gripe was they charged me {$14.00} for " less than full gas tank ''. In fact, I filled the tank and the only gas spent was from my hotel to the airport. '' Another one was charged over {$100.00} for gas, but I can't find that complaint right now. This company literally steals money from customers, and yet Capitol One thinks that's just fine. It needs to permanently remove that fraudulent charge from my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-14 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: MS

Complaint narrative:
XXXX XXXX is reporting a collection on my credit report and fails to provide validation or verification d the debt of the sent as they are listing the account as a collection account. According to XXXX Equifax and XXXX this alleged debt has been verified. How did they verify the debt if the company has provided that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I HAVE NO CONTRACT WITH ANY OF THE CREDITORS I AM DISPUTING, NOR HAVE I EVER HAD A CONTRACT WITH ANY OF THE CREDITORS OR THIRD PARTY CREDITORS IN WHICH I AM DISPUTING ON MY CREDIT REPORT ; AND AM REQUESTING THAT EACH REPORTED ACCOUNT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY FROM ALL THREE CREDIT BUREAUS INCLUDING : XXXX, XXXX  AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I filed a dispute over 30 days ago and have not heard nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX SENT A COLLECTION FOR AN AMOUNT THAT IS NOT OWED. THEY HAVE BEEN VIOLATING MY FCRA RIGHT FOR 2 YEARS AND REFUSE TO UPDATE THE CORRECT AMOUNT THAT IS TO BE PAID FOR A VISIT NOT COVERED BY INSURANCE. I CANT PAY ANYTHING TO THEM UNLESS IT IS UPDATED ON PAPER. THEY ALSO NEED TO RESCIND THE DEBT FROM KEYNOTE BECAUSE THAT DEBT IS NOT VALID NOT HAS IT BEEN VALIDATED. IVE TRIED CALLING XXXX SEVERAL TIMES REGARDING THIS ISSUE ALSO BELOW IS THIER REPLY TO A XXXX  COMPLAINT THAT WAS FILED. FIRST AND FOREMOST COVID -19 HAPPENED AND TO HAVE REMARKS LIKE THAT BELOW IS BEYOND DISQUISTING. I HAVE ASKED SEVERAL TIMES FOR PAPERWORK TO BE UPDATED WITH NEW AMOUNT OWED FOR VISIT THAT WAS NOT COVERED BY INSURANCE. IF THE SUBSCRIBER ON THE INSURANCE ASK TO SEE AN IN NETWORK DOCTOR WHY ON EARTH WOULD YOU ALLOW THEM TO SEE SOMEONE OUT OF NETWORK INCURRING UNFORSEEN BILLS. ALSO BEING THAT I ASKED FOR THIS PAPERWORK FOR OVER 2 YEARS AGO IS THE REASON WHY YOU HAVENT BEEN PAID CAUSING EVEN MORE HARD SHIP WITH A COLLECTION NOW. 




Again. This was sent to our collection attorney in XXXX. Had the patient came into the office and paid prior to now it could have been resolved and marked paid in collections and shown. An account that is over 90 days and a claim where an insurance company advised payment went to the patient and remained unpaid for months after is submitted to our collection attorney after a period of time where calls and statements are unanswered with payment. This account from XXXX  would never be removed from collection until a payment was received. This patient if a conversation was had at the time 2+years ago about pulling from collections it would certainly have had an expiration of a week or 2, not years. No services are provided for free and at no time is it acceptable to remain a bad debt after 2 years and a patient file a complaint about an alleged conversation from 2 years ago and make sense. Why wasn't the account paid 2 years ago? Why wasn't the complaint 2 years ago? This would be resolved had the account been paid. Our XXXX  office does due diligence for every patient to ensure we receive the correct information for our patients. We bill out the insurances set fees, not our standard fees for in network assumed services which she was billed in network services. Two of the visits XXXX XXXX, XXXX ) the first visit ( XXXX ) PATIENT was inactive but received payment from ins for both visits, the other visit the claim received payment. In XX/XX/2019, the account was sent to collections after 6 months of calls and statements. This accusation is again unwarranted and had the accuser paid her bill this would be over but she chose to ignore the situation for 2+years and now file a complaint with no basis.

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 2021-06-14 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: MS

Complaint narrative:
XXXX XXXX is reporting a collection on my credit report and fails to provide validation or verification d the debt of the sent as they are listing the account as a collection account. According to Transunion, XXXX and XXXX, this alleged debt has been verified. How did they verify the debt if the company has provided that information.

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 2021-06-14 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: MS

Complaint narrative:
XXXX XXXX is reporting a collection on my credit report and fails to provide validation or verification d the debt of the sent as they are listing the account as a collection account. According to XXXX, XXXX and Experian, this alleged debt has been verified. How did they verify the debt if the company has provided that information.

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 2021-06-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I was at work doing trainings and I XXXX XXXX I received a notification From XXXX, I did not apply for a Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FactorTrust, Inc.
State: NC

Complaint narrative:
I was at work doing trainings and I XXXX XXXX I received a notification From XXXX, I did not apply for a Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: LA

Complaint narrative:
I've been disputing my credit file with the 3 credit reporting agencies Transunion, XXXX  and XXXX to correct the inaccuracies found on my credit file. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, Open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving accounts high balance does not coincide. Last payment does not coincide, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts, Inorrect Personal Information reporting Wrong social security number reporting. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2021-06-14 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: CREDIT ACCEPTANCE CORPORATION
State: UT

Complaint narrative:
Credit Acceptance is reporting late notations on my credit file for XX/XX/21, XX/XX/21, XX/XX/21 that need to be removed. Due to Covid, I lost some work that I relied on financially, and that really impacted me. I have an account with them for my auto loan and due to Covid, I called in to see what I could do because I was having some trouble paying the full amount. When I called they told me that I could have a payment arrangement set up for my hardship that would lower my payment by XXXX. I thought that was great until I looked at my credit. They never told me that with this arrangement, my account would be delinquent due to lesser payment, If I had known that I would have late payments, I would have never made that payment arrangement, I would have found a way to pay the full amount instead. So now I am screwed because the rep failed to explain the details of this arrangement. Upon finding out I paid it to bring the account up to date and am now making my full payment instead so it wasn't much of a help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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:
All negative accounts on XXXX  report is fraudulent with no proof of ownership.also all 17 inquiries. 
Equifax is also exploting fraudulent accounts with no proof of ownership.also inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
A XXXX scammer sent me a bad check for {$3900.00} which I received on XX/XX/2021 and was able to deposit via the USAA mobile app. The funds were deposited into my CHECKING ( i.e., DEBIT ) account immediately. There was no notice in my account of a problem with the check, or of any " pending '' funds. There was no notice of the check being honored on credit, and I never directly authorized credit on that check ( nor did I ever intend to ).

The same day, I got a balance check for my checking account from an ATM. I was able to withdraw {$3300.00} from my account, which ended up getting sent to the scammer 's " shippers '' via XXXX. I have all the physical receipts. 

Several days later on XX/XX/XXXX, I saw in my account that the check had been refunded along with a {$5.00} " fee, '' which left the total of my accounts in debt. I reported it to USAA as soon as I noticed it and realized it was a scam. They reported it to their " fraud department, '' which froze all my accounts and cards by the next morning. 

I have been trying to reach out to my bank, but they leave me on hold for hours on end. It's impossible to talk to a human being. I have bills coming due, and I need to pay for food and medicine. My time and ability to access my money are valuable. 

The best excuse USAA gave me is that they honored the check based on giving me credit, and only because I had such a good credit history with them for so long! Ha! But like I said, I never authorized, nor intended to authorize any new line of credit, and took deliberate steps not to authorize any line of credit. 

If USAA issues me a line of credit without my approval, that's THEIR risk. And as far as I'm concerned, they are complicit with authorizing fraudulent checks by : a. ) making the process totally automated ; b. ) advertising it as " secure, '' and ; c. ) fatiguing its customers into compliance with using it, while diminishing access to real customer service. 

I'm also investigating this issue myself, and have tried to report to several local and federal law enforcement agencies with little response. I am also about to file a local police report for what it's worth. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a complaint to the CFPB ( Complaint number XXXX ) regarding Bank of America charging for NFCs. The case was closed by the CFPB, and I was told to contact BofA to get my issue resolved. They know nothing of the case, can not give me a written response to the complaint and I have been going around in circles with the customer service reps at the bank. I need the FCPB to reopen the case and to have a written response sent to me via email or snail mail.

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 2021-06-14 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: TX

Complaint narrative:
Our mortgage company is stating that since the state I reside in was deemed as a federal disaster in XX/XX/2021 that FEMA required ALL mortgage companies to report to credit bureaus for anyone with a mortgage that they needed financial assistance to pay mortgages even if they did not need help. We did not need help and told the mortgage company that. As a matter of fact, our payments were made in advance of the Texas Winter Storm. According to Experian, our mortgage company reported that we were in a loan modification because of the federal disaster and they refuse to report that our payments were made on time for XXXX, XXXX and XXXX of XXXX Credit reports for myself and husband are showing NO DATA REPORTED for those months. Mortgage company advised me this morning that the reported information would not be corrected because that is how FEMA told them it had to be reported. We were NOT under a forbearance or loan modification and all payments were made on time. Even though the no data reporting does not neccesarily hurt our FICO score, it doesnt help it and we arent getting the credit for those payments that are being made. We've had this problem with this company before and their sister company as well. It is frustrating and want it to be corrected and reported accurately. 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 2021-06-14 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: MI

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong 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 2021-06-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: Ocwen Financial Corporation
State: CT

Complaint narrative:
We were in the process of refinancing when our title company when we learned that GMAC recorded a lien in error in XX/XX/XXXX. We had resend within our rights and a few days later we closed with GMAC and that lien was recorded as well. 

We are working with the title company XXXX XXXX  XXXX at a XXXX Connecticut and theyre stuck and not able to remove this error of a recorded lean which is not on our credit report. GMAC was Bought out by XXXX  who has since been bought out by PHH

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: LA

Complaint narrative:
These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report. It has been 45 days, so they should be erased immediately.

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 2021-06-14 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: DISCOVER BANK
State: VA

Complaint narrative:
I filed a dispute over 30 days ago and have not heard nothing

Company response to consumer: Closed with explanation