vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/2020 I, XXXX XXXX XXXX all of a sudden could not access my online account with USAA, as if I were locked out. I then proceeded to call customer service on XX/XX/XXXX and was notified that I needed to open accounts somewhere else as USAA was considering me a high risk customer due to a XXXX mistake I made 16 years ago and therefore USAA was terminating my relationship with any of their products despite that fact I had been an above excellent customer for almost two years. I carried two credit cards that never carried a balance despite the extremely high credit limits I had. I also maintained loans that were always paid, never a missed payment as well as personal accounts that had extremely high available balances. My credit cards were cancelled immediately, my credit score decreased, and I was unable to get approved anywhere for a new credit card as I had stayed a loyal USAA member, and any/all other assets were froze and put me and my family in a financial hardship during a nationwide pandemic. I'm appalled this is the thanks I get for having numerous family members serve my county. SHAME ON YOU USAA FOR TREATING OUR MILITARY SERVICEMEN LIKE THIS!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a Bank of America Travel Rewards credit card with a balance of {$5500.00} due on XX/XX/2020. I paid the full amount through my bank 's bill pay system on XX/XX/2020, and Bank of America cashed the check on XX/XX/2020. Bank of America, however, neglected to credit my account, and furthermore, proceed to add late fees and finance charges to my account. I contacted Bank of America on XX/XX/XXXX, and was promised that they would perform a trace. However, I received a letter a week later claiming that they could not locate the payment. They failed to contact me ( or my bank ) to get any details of the payment that they had cased, so I question how they could have conducted this " trace ''.

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 2020-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: CA

Complaint narrative:
AssetCare is attempting to collect on a debt that is not owed nor do they hold a valid contract for. Please find attached letters. I am requesting the CFPB investigate this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FMA Alliance, Ltd.
State: CA

Complaint narrative:
FMA Alliance , Ltd. sent me a vague letter trying to collect {$11000.00} for XXXX XXXX with Account number ending in XXXX. 

XXXX XXXX Debt with account number ending in XXXX was discharged nearly 2 years ago on XX/XX/2018. Bankruptcy discharge info is below. FMA Alliance , Ltd. should have had ample notice that this is not a valid debt. Trying to collect it now is either careless and/or shady business practice that causes unnecessary stress on the victim and wastes everyone 's time. This should not be allowed and FMA Alliance should be punished for making false/careless collection claims. 

My bankruptcy discharge is below. 

United States Bankruptcy Court XXXX XXXX of California Case number : XXXX Order of Discharge Chapter XXXX IT IS ORDERED : A discharge under 11 U.S.C. 727 is granted to : XXXX XXXX XXXX XXXX XXXX, XXXX Debtor 1 Discharge Date : XX/XX/18 Dated : XX/XX/18 By the court : XXXX XXXX XXXX United States Bankruptcy Judge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: TX

Complaint narrative:
There are several payments on my XXXX and XXXX accounts reporting as late though I have never paid late. Report states that I am 90 days late when there are no late payments prior to that? I have attached all bank transactions and statements that belong to this company that would prove my payments were not made late as inaccurately being reported therefore these late payments are unverified and need to be removed immediately Last verified date for XXXX shows XX/XX/2017. 

I have attached a no delinquency letter obtained from XXXX website as well as payment history from 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 explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2020 early morning i was shocked to see emails that said i sent money to XXXX through XXXX ( online remittance company ) ... It consists of 4 attemps/transactions, the other 2 was successful and the other 2 transactions was denied since my bank balance was out of fund already ... That very moment i called Bank of America and reported everything that my account is sure been compromised ... I also called the XXXX XXXX which took so long to contact since their customer service is limited to few hours only due to covid19 ... I normally use XXXX service since i also send money to XXXX for my parents there ... But this time is different ... I want the thief to be caught whoever did this ... {$2100.00} is a big money and i will never stop until i get it back ... Within 10 days Bank of America gives me provisional credit ... But after few days i got a message that the transaction in dispute is authorized by me and that i should be liable and my credit will be removed back ... I will never allow this since I'm the victim here and i can prove whatever i can just to get justice and money back which i earned by working hard, and only be taken by criminals ... 
For you out there please do be careful in sending money online because hackers are everywhere and they are smarter crooked criminals ...

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 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Every single credit bureau has listed incorrect or old outdated personal information in my file. 

The following is the only information that should be reported. 

1. NAME : XXXX XXXX 2. Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX 3. Employer : XXXX All other names and sub-names should be deleted. 
All Old address that do not pertain to me as of right now should be deleted. 
All Old employers that do not pertain to me as of right now should be deleted. 

Failure to delete and correct the requested information will result in a legal notice from my attorney on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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:
This is my third attempt to resolve this issue through CFPB. The company in question is stating that I am using a third party to resolve this issue. This is me trying over and over again to get this problem fixed. I am not using a credit repair company I have just done my research. I wanted TransUnion to provide me with the information that I asked for regarding an account on my credit report. Under Section 609 Disclosure to Consumers [ 15U.S.C.1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ] of the Fair Credit Reporting Act all of the information that I requested was supposed to be provided to me by the credit bureaus. They failed to do so. Under Section 611 of the Fair Credit Reporting Act if the information can not be verified then everything must be deleted immediately. Section 611 also states that they had 30 days to do this and they failed to do so. I have also attached the letter that I sent them.

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 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Every single credit bureau has listed incorrect or old outdated personal information in my file. 

The following is the only information that should be reported. 

1. NAME : XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. Employer : XXXX All other names and sub-names should be deleted. 
All Old address that do not pertain to me as of right now should be deleted. 
All Old employers that do not pertain to me as of right now should be deleted. 

Failure to delete and correct the requested information will result in a legal notice from my attorney on 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 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Every single credit bureau has listed incorrect or old outdated personal information in my file. 

The following is the only information that should be reported. 

1. NAME : XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. Employer : XXXX All other names and sub-names should be deleted. 
All Old address that do not pertain to me as of right now should be deleted. 
All Old employers that do not pertain to me as of right now should be deleted. 

Failure to delete and correct the requested information will result in a legal notice from my attorney on 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 2020-05-15 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX and ProCollect have reported negative and false information to the the credit bureaus. I am a victim of identity theft and the reporting debt and documents do no belong to me. I notified the property manager XXXX at XXXX XXXX XXXX and notified the debt collector ProCollect of all police reports and identity theft reports. I was told that since they can not find the person that stole my identity they will continue to collect the false debt from me.

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 2020-05-15 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: TX

Complaint narrative:
I bought 3 airline tickets back in XXXX unaware of the covid pandemic situation that was about to happen. The airline canceled my trip from XXXX to XXXX and the coming back. XXXX XXXX, XXXX, XXXX are not responding fairly during this crisis and are tryong to keep my money. My credit card is about to quite fighting this charges with them but I dont think is fair to pay for a flight that they actually cancelled because of the situation and by presidential orders. The companies are not responding and doesnt admit that they must return the money. My credit card Capital One partially refunded but now am getting everything re-billed, which I wont pay since is not fair to pay for a service that they ( XXXX, XXXX XXXX ) cancelled. Aside from that, XXXX XXXX XXXX  fail to send me an e mail saying that the trip was cancelled and they are still charging their fees for a reservation that didnt happened. I could have fly from XXXX XXXX to XXXX and have gotten stocked in XXXX airport. I had the fortune that my sister got the same ticket with XXXX and they did provide her the info and refund of money fairly. 
Please help me get back my money. I dont want to loose my good credit but dont want to give up my money.. almost 2000 dlls in something that did not happened. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX sent me a vague letter trying to collect {$11000.00} for US Bank with Account number ending in XXXX. 

US Bank Debt with account number ending in XXXX was discharged nearly 2 years ago on XX/XX/2018. Bankruptcy discharge info is below. XXXX XXXX XXXX XXXX should have had ample notice that this is not a valid debt. Trying to collect it now is either careless and/or shady business practice that causes unnecessary stress on the victim and wastes everyone 's time. This should not be allowed and XXXX XXXX should be punished for making false/careless collection claims. 

My bankruptcy discharge is below. 

United States Bankruptcy Court XXXX XXXX of California Case number : XXXX Order of Discharge Chapter XXXX IT IS ORDERED : A discharge under 11 U.S.C. 727 is granted to : XXXX XXXX XXXX aka XXXX, XXXX Debtor 1 Discharge Date : XX/XX/18 Dated : XX/XX/18 By the court : XXXX XXXX XXXX United States Bankruptcy Judge

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 2020-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THIS IS NOT A REPORT OF IDENTITY THEFT This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  # XXXX Creditor : XXXX XXXX XXXX  XXXX # XXXX Creditor : XXXX XXXX  # XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  # XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor. 


Removal of inaccurate information and unverified information. Federal Registrar is attached for reference to what is accurate and verified data with integrity.

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 2020-05-15 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: TX

Complaint narrative:
There are several payments on my XXXX and XXXX accounts reporting as late though I have never paid late. Report states that I am 90 days late when there are no late payments prior to that? I have attached all bank transactions and statements that belong to this company that would prove my payments were not made late as inaccurately being reported therefore these late payments are unverified and need to be removed immediately Last verified date for XXXX shows XX/XX/2017. 

I have attached a no delinquency letter obtained from XXXX website as well as payment history from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: TX

Complaint narrative:
There are several payments on my XXXX and XXXX accounts reporting as late though I have never paid late. Report states that I am 90 days late when there are no late payments prior to that? I have attached all bank transactions and statements that belong to this company that would prove my payments were not made late as inaccurately being reported therefore these late payments are unverified and need to be removed immediately Last verified date for XXXX shows XX/XX/2017. 

I have attached a no delinquency letter obtained from XXXX website as well as payment history from 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 explanation