vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2019 my credit score went up to XXXX. Then on XX/XX/2019 it went down 4 points for using my vard. My total usage was 19 % and went to 25 % in the same month. I am being penalized for simply using my credit cards which I pay off at the end of my cycle. 
The prepaid card reports the XXXX The credit card reports the XXXX They each report twice a month. 
Then every 7 days sometimes 3 times a month my credit score is changed. 
CapitalOne is playing with my score. 
I should not be penalized for using my card within the same cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2019 my credit score went up to XXXX. Then on XX/XX/2019 it went down 4 points for using my vard. My total usage was 19 % and went to 25 % in the same month. I am being penalized for simply using my credit cards which I pay off at the end of my cycle. 
The prepaid card reports the XXXX The credit card reports the XXXX They each report twice a month. 
Then every 7 days sometimes 3 times a month my credit score is changed. 
XXXX is playing with my score. 
I should not be penalized for using my card within the same cycle.

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 2019-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2019 my credit score went up to XXXX. Then on XX/XX/2019 it went down 4 points for using my vard. My total usage was 19 % and went to 25 % in the same month. I am being penalized for simply using my credit cards which I pay off at the end of my cycle. 
The prepaid card reports the XXXX The credit card reports the XXXX They each report twice a month. 
Then every 7 days sometimes 3 times a month my credit score is changed. 
XXXX is playing with my score. 
I should not be penalized for using my card within the same cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am a XXXX of XXXX in XXXX and I opened an account in the Bank of America, to attend emergencies and some purchases when I am in the USA. That's why I did not check this account often. When I went to make a payment there were no funds for the value being that I had funds. That's when I checked the account and found several attempts to fraudulently send my account amounts to an person in XXXX ( from a region known to be a source of illegal immigrants to the US ) by company XXXX. In the last two attempts the Bank did not make the reversal and so far I am struggling to prove that I did not even know the XXXX company and never had a registration. I already registered occurrence in the police of XXXX, USA and FBI. What else can I do to prove that I was the victim of an internet fraud?

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 2019-04-22 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: NY

Complaint narrative:
In late XX/XX/XXXX, I suspected my credit report from Equifax was mixed with another person 's file. I tried to access my credit report online, but I did not recognize most of the identification questions ( I believe those are records from that person ). To fix this issue, I requested the credit report by mail in early XX/XX/XXXX. 

I received my credit report on XX/XX/XXXX. The credit report only contains two accounts, one of which does not belong to me. I tried to submit an online dispute, but again, Equifax requested me to answer identification questions about the accounts that I did not open and are not shown on the credit report. 

I lived in XXXX from XX/XX/XXXX to XX/XX/XXXX, and moved to United States in XX/XX/XXXX. I suspect Equifax XXXX mixes my credit report and Equifax US is using those information. However, I am not able to request my credit report from Equifax XXXX now, since 1. I am not living in XXXX, and 2. my XXXX IDs expired. 

I've called Equifax in Early XX/XX/XXXX to address this issue, but they claimed they can not fix it because they can't identify me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 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: NY

Complaint narrative:
On XX/XX/19 I contacted TransUnion credit bureaus to request information regarding an collection debt account reported on my credit file for {$3000.00} from XXXX XXXX XXXX. I requested proof that this alleged debt belonged to me pursuant to federal law. 

On or about XX/XX/19 I contacted the debt collector XXXX XXXX XXXX by phone and left a message for the representative assigned to the alleged debt. I left my phone number and information and no one contacted me back. 

On XX/XX/19 Transunion responded and reported the alleged account had been verified. No other information was provided other than the alleged account number, when it was reported, the amount, the debt collector and the original " alleged '' creditor. 

On XX/XX/19 I requested information regarding how they verified the debt and I requested for a second time proof the debt belonged to me since I the debt collector never responded back to me. I included Transunion reference account number and pertinent information. 

On XX/XX/19 Transunion responded and stated in a second letter that they did not understand my previous request. 

TransUnion has not been able to prove under federal law that I owe this debt either by providing me the original contract to this debt or a certified copy of an agreement with my signature with the creditor. They have also failed to substantiate how they verified this debt per federal law. They failed provide me with the method they used to verify this debt. They have not complied with federal 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 2019-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Instead of help lowering my monthly payment, I was offered forbearance after forbearance instead. When trying to pay on my loan, the website doesnt recognize my user name and after trying to retrieve it via email several times, I never received an email about resetting my user name or password.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Credit & Collection Corporation
State: TX

Complaint narrative:
I was called on XX/XX/19 and the caller would not identify themselves from the company name or any info regarding the call. the first call was at XXXX p.m. When they called back and I told them to stop calling the lady told me XXXX XXXX listen to your voicemail. She then called back and said we are proceeding with your case I was called at XXXX, XXXX XXXX, XXXX, XXXX, XXXX and finally at XXXX p.m. pm I have call records that can show these calls. My voicemail stated : I have a claim number XXXX and I have been officially notified to contact XXXX, that I am being granted the opportunity to contact the firm handling this so I can discuss the matter. Again no company name. The lady then proceeded to call my aunt and state that I had XXXX minutes to call her back because I did not show up for a court case I was summoned to and then changed her story to say I knew what it was in regards to and I was being sued for collections. The latest message today XX/XX/19 states that I know what the call is in regards to and I need to call the XXXX number which when I call back states it is Global Incorporated and I do not know if they are legitimate. According to consumer affairs they are out of business. However today again I was called XXXX am twice hung up and called back immediately left voice mail at XXXX and then called back the third time at XXXX am. Telephone harassment occurs when someone intends to annoy, harass, or threaten you by : ... making a telephone call without identifying onesself. making repeated telephone calls where the conversation consists only of harassment, or. making a telephone call and using heavy breathing or silence with an intent to intimidate. That is exactly what is happening here, a legitimate company should not curse and threaten you. I called them back several times and they continued each time I called them to ask them who and what they were they hung on me each time. The third time I called I was told XXXX XXXX you are not allowed to repeadetly call us and I will be served and she hung up on me. AGAIN, if you are legitimate and you see me calling why are you not answering who you are. Why would I give out any information to a company who will NOT state who and WHAT they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
The app is called cash app its an extention of square i have a mobile account along with a prepaid card. The problem first happen on friday the XXXX at XXXX XXXX it said i tried to send a contact {$200.00} dollars which was an accident made by me because the app was still open when i was rushing leaving work. 
I have emailed and verified as i was told numerous time in the past 5 days now leading up to a second week. back to back since friday of the occurring issue and it is still have a hold and freeze on my account and money. the transaction of XXXX dollars was done by me by accident i didnt even have XXXX dollars in my account to send and cash app has put a flag and frozen my account and money since friday around XXXX XXXX. I currently have {$73.00} being held. I can not get my money out, make a purchase, send or receive money. I can't do anything with the card my money is just frozen and sitting. It keeps telling me to verify my bank account, but i never put my bank account info on this card or app. And i dont have a bank account that was the point of me ordering the card so i can store money without fees and use as a prepaid card to send and spend money please help me with my problem. I have emailed them because their is no way to contact them except by email. They took forever to reply and now their just not responding at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP
State: NY

Complaint narrative:
I made a deposit to my Key checking account in the amount of {$19000.00}. On the same day Key Bank took the entire amount from my account and transferred the entire amount to an unused credit card account from a different bank. 
Their customer service was nonexistent and XXXX. They said all they could was file a fraud claim. This is ridiculous because this was obviously a bank error and they probably don't know what they did and now refuse to return the money until after the fraud examination which takes a long time. 

This is the third time I have been forced to go through the fraud exam started by Key Bank because of their incompetence and lack of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally financial has been charging me daily finance charges of {$8.00} per day even though I have made advance payments in 3 to 6  months increments. I have requested a copy of my full contract and continue to receive summary. I even sent my request by way of certified mail. There is another related matter that I submitted a 12 page complaint with the XXXX where the dealership committed fraud to get me in this loan, and to avoid loosing my place of employment that requires good credit history, I am stuck in this fraudulent loan to avoid implications on my credit. Copies are available upon request providing proof of this fact.

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 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
BarclayCard cancelled my XXXX account without any warning. I have used the account recently, did not have any delinquencies and also had a rewards balance. BarclayCard will not let me view my account as this time, but I do know that I had over XXXX rewards miles that were not used as of 2018. I suspect this number is much higher now. Since BarclayCard did not notify me that they were going to cancel my account, I can only speculate that it happened because of erroneous negative information that had recently appeared on my credit report ( that has since been 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 monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP
State: NJ

Complaint narrative:
I was called by Key bank in XX/XX/XXXX stating that my XX/XX/XXXX payment was reversed for some unknown reason and was now 30 days late. I make elcetronic payment from my checking account and have done so without issue or change since XX/XX/XXXX. I contacted my checking financial institution and received verification of payment being made and no reversal of funds being returned to my account. I then faxed this information to Key bank and was told the matter would then be investigated. Made my XX/XX/XXXX payment and it was applied to my alleged XX/XX/XXXX missed payment and continued to receive phone calls and notice with late fees for a missed payment. We i speak to customer service at Key Bank I'm told they are still investigating and I should make payment to bring the account current. I refuse to make any additional payments until they find the money that was already sent to them with proof of receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
We opened an account in XXXX. It was around XX/XX/XXXX. It should have included a credit protection option for unforeseen financial economic hardship, which should have been provided to us. I contacted XXXX XXXX in XX/XX/XXXX with a letter explaining that our daughter had experienced a extenuating XXXX-XXXX  medical hardship, which resulted in her being in the hospital and XXXX for 34 days. I communicated this in XX/XX/XXXX, along with numerous calls to XXXX XXXX regarding each account that we had associate with XXXX XXXX. In turn, I also raised a customer complaint online as they instructed me to do, however to no avail. No one attempted to help us with this extenuating financial circumstances as result of job lost and my daughter 's XXXX-XXXX medical condition. In turn, I continued to receive calls regarding the account. At this point. I have been receiving over 100 multiple calls from this credit collection agency and others regarding this account, which has caused undue XXXX XXXX and XXXX along with the other circumstances that occur with my daughter and me experiencing a long term job lost. I am currently seeking work as well. My husband is also a XXXX Vet and we are both US military veterans. We have served our country well. This undue harassment and bias treatment regarding their collection practices is wrong. We attempted to implement the credit protection plan, which would have allowed one up to 24 months plus of deferment/ suppressing monthly payments given the circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Second attempt to submit the following complaint due to website failure. 

Requesting CFPB intervention due to unfair debt collection and erroneous derogatory marks placed in credit report by the original creditor and collection agency. The following facts is provided to assist CFPB pursue the consumer claim regarding unfair credit reporting and harassment by the collecting agency : 1 ) Debt is a medical bill on behalf of XXXX XXXX XXXX ' a minor currently residing full-time with his mother XXXX XXXX XXXX '. 

2 ) The father 'XXXX  XXXX XXXX was not present nor signed any documentation during the medical treatment. The primary insurance holder based on court child custodial ruling stipulates that the primary health insurance provider is the mother whom the child resides full-time. The mother ( XXXX  XXXX XXXX ) utilized the father 's medical health insurance without prior consistent to use despite court agreement stipulates that she is the primary health care insurance carrier. 

3 ) The medical facility failed to provide proper notification of the incurred debt to the parent and blatantly placed the amount owed towards the father who has no knowledge of the debt. Despite the lack of proper mail notification the debt was submitted to collection and placed a derogatory marks through the credit bureau. Constant harassment via phone calls from the collection agency regarding payment requirements of the medical bills. Threatening phone call remarks were made that the sole responsibility was on the father despite numerous plea and substantial evidence was provided to resolve the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My debit card ending in XXXX was fraudulently used on XX/XX/2018 for the amounts of XXXX, XXXX, XXXX, and XXXX for a total of {$1000.00}. After opening a claim with bank of america on this unauthorized transaction and numerous phone calls i have been told that the claim is still under research. The bank would give me a resolution deadline and fail to meet this deadline several times. The money was put back into my account and taken out two different times by bank of america. 

claim # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-22 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: KY

Complaint narrative:
Submitted 3 written requests and 7 phone calls to have my credit report corrected. Transunion incorrectly combined my account with someone else. I was able to have the incorrect name, address, place of employment removed. Then called to have incorrect accounts removed which were. The second and third letters were regarding two bankruptcies that do not belong to me. They did not remove on the second letter but did not change information. The third letter included the court dockets to show the other persons name and SS # and rather than removing the bankruptcies, they readded the other persons information back to my report. All other credit bureaus are not including this 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 non-monetary relief
Consumer complaint received 2019-04-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I checked my credit report and found this fraudulent account on my credit report. I have no knowledge of this account being that I was incarcerated of the time of opening the account please remove this account from my credit.

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