vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 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: TX

Complaint narrative:
FCRA Violations XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX, XXXX. 
United States XXXX XXXX, XXXX. XXXX XXXX 
XX/XX/XXXX 259 F. Supp. 3d 75 ( S.D.N.Y. 2016 ) On XX/XX/XXXX, XXXX opened an in-store credit account with XXXX. SAC 9, 12. XXXX claims XXXX made unlawful disclosures to her with respect to the fees for ( 1 ) payments returned by the consumer 's financial institution, and ( 2 ) late payments. The Court describes, in turn, the bases for these two claims.

1. Failure to Properly Disclose the Fees for Returned Payments XXXX 's account-opening disclosure contained a table summarizing key account terms ( the " Schumer Box '' ) and a more detailed explanation of the account terms ( the " Cardholder Agreement '' ). Id. 13 ; see Dkt. 24 ( " Def. Br. '' ) at 9. The Schumer Box disclosed that the fee for " Returned Payments '' was " {$25.00}. '' SAC 14. The Cardholder Agreement also disclosed that the fee for payments returned by the consumer 's financial institution was {$25.00}. Id. 15. 
XXXX {$18000.00} report lates in XX/XX/XXXX, not accurate reported to the company, still on my credit bureau. Please remove, thank you. 
Inquiries : XXXX XXXX XXXX XXXX XXXX Ser XXXX XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX et al XXXX XXXX ) Courts > XXXX  XXXX XXXX XXXX Filed : XX/XX/XXXX Judge : XXXX XXXX XXXX XXXX XXXX Suit : Other Statutes - Consumer Credit Cause : 15:1681 Fair Credit Reporting Act Parties Matched : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Retail XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. et al ( XXXX ) Courts > XXXX District Court Filed : XX/XX/XXXX Judge : XXXX F XXXX XXXX XXXX Nature of Suit : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-03 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: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, Original Creditor, XXXX  XXXX  XXXX, XXXX, XXXX   XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX 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 2020-07-03 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: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, Original Creditor, XXXX  XXXX  XXXX, XXXX, XXXX   XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX 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 2020-07-02 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 made reservation online to stay for the period of 4 nights at XXXX XXXX XXXX XXXX in XXXX, XXXX. Upon arrival at the hotel, I made the payment with Capital One credit card for the booked reservation. After spending a sleepless night at the hotel I had to check out early next morning due to the unbearable conditions at the hotel : No hot water, loud noise coming from street, music, holes in the windows and balcony doors of my room. At the time of checkout I requested the front desk clerk to refund money, and they provided me the receipt in Spanish with total amount. After coming home from my trip, I found out that the hotel still charged my credit card for the full amount of the reservation. I contacted Capital One and disputed the transaction. I explained that I was unable to stay at the hotel due to the fact that hotel could not provide the basic necessities for my stay : hot water, ability to sleep at night. After two months of dispute resolution process Capital One refused to refund my money. When I asked the bank representative why or what they based their decision on, they answered that I did not provide sufficient evidence to support my claim. I wrote two letters to explain what happened and to respond to the letters from XXXX XXXX XXXX representative. 
I submitted other documents to the bank, receipts, etc. I am not proficient in Spanish. The hotel XXXX XXXX failed to provide a room with minimum required facilities for enjoyable stay : not hot water, no ability to sleep. Nevertheless, they unjustly enriched themselves by charging me for the services they did not provide, and Capital One refused to refund my money. 
I can provide all the documents and correspondence with Capital One to help you resolve this issue. Please, I need your help to help resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
This is actually 2 things simultaneously ( harassment and debt already paid ) XXXX XXXX XXXX has continued to call me and harass me about a current and paid as agreed American Express Account, that is OWNED BY AMEX. 

XXXX XXXX has called me 14X after I stated do not call me. 

XXXX XXXX is repeatedly harassing me on the phone, asking me for money on the monthly payment due that have already been paid directly with AMEX. 

XXXX XXXX today, called me about my American Express account, in reference to a XX/XX/XXXX payment due of {$41.00}, which was paid on XX/XX/XXXX, to the amount of {$150.00}. 

I told them our business is concluded and there is no reason for them to call me, and I have explained that I am under doctor 's orders to reduce stress, and I told them this several times. Their calling has aggravated my health condition. Beyond that my account is paid. Paid is paid. You can't get more perfect than paid. So why are you calling? Just to harass me!! 

Here are the details : XXXX Documentation : XX/XX/XXXX Statement : {$1900.00} Past Due {$160.00} Due Date : XX/XX/XXXX Paid {$200.00} XX/XX/XXXX Even though Paid and Current, XXXX continued to call and harass me, on XX/XX/XXXX, THREE DAYS AFTER PAYMENT. Therefore, to avoid future harassment, I decided to pay the NEW statement, which had just posted that same day, which was {$41.00} to be paid by XX/XX/XXXX. In an effort to keep them from calling and harassing me, I paid a SUBSTANTIAL higher amount, 25 days early. As reference next. I PAID {$150.00} instead of {$41.00} in advance. As in early. 25 days early. Yet they called today to keep harrassing me. 

XX/XX/XXXX Statement : {$1700.00} Min Due : {$41.00} Due Date : XX/XX/XXXX Paid {$150.00} XX/XX/XXXX Clearly this is repeated violation of the FCRA. Ive repeatedly expressed to never call me, and especially do NOT call me when my account is current. I have 3 REV PAR taped recordings conveying my wishes to them as well. 

American Express is an Accomplice in this by knowingly and willingly allowing this behavior. I have reported it to several account managers at America Express. This is not an external collection, but their internal account services team I have been told. 

I have also never received ANY communication regarding my debt through XXXX. They just started calling me one day. 

I have contacted 2 law firms today discuss my case as well. One located in XXXX, and one is a large National Firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: Westlake Services, LLC
State: FL

Complaint narrative:
West Lake financial is reporting 5 late payment from my credit report that is inaccurate. This account is paid in full and was never late on any off my payments. I ask west Lake to fix the problem they keep telling me they dont have access to the records.

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 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
All collection accounts and charge off accounts have {$0.00} balances. Each collection agency agreed to contact the bureaus and request the accounts be removed from my credit profile. It has been over 45 days and the accounts have not been removed and several balances have not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On or around XX/XX/2020, I was the victim of debit card fraud. As a result, M & T Bank incorrectly reversed 5 legitimate transactions with the merchants, that were not not apart of the fraud I was victim to. The amount of {$600.00}, was incorrectly reversed from the 5 separate merchants and refunded to my bank account. I explained this error to M & T Bank via telephone on or around XX/XX/2020after it was brought to my attention by a " reversal of payment '' notice from my cell phone provider. I was told by M & T Bank that the bank would withdraw the funds of {$600.00} from my bank account on or around XX/XX/2020 and redistribute the funds accordingly to the correct legitimate merchants. As of XX/XX/2020, the merchants have not been paid, even though M & T Bank collected the funds from my account onXX/XX/2020. I would like my money back so that I may pay my pass due debts that M & T Bank has created. I've called M & T Bank well beyond eight times over the course of 2 months, but to no avail. On XX/XX/2020 I physically went into a branch located at XXXX XXXX XXXX, XXXX, PA XXXX to address these issues in person with documentation I had, and I was unjustly accused by the banker of being dishonest. I politely left the branch, and I have researched other means and entities to address this issue. I would like my funds of {$600.00} reimbursed to me so that I may pay off the merchants that provided me service. I do not trust M & T Bank to re-disburse the funds to the merchants at this time due to their negligence. I am requesting a thorough investigation by M & T Bank so that the proper actions are taken to protect their customers from incidences of abuse like this in the future. 

Transactions that were reversed and illegitimately kept by M & T Bank on or around XX/XX/2020 : XXXX XXXX= {$100.00} XXXX= {$40.00} XXXX XXXX= {$10.00} XXXX  XXXX= {$390.00} XXXX XXXX= {$57.00}

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 2020-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
All collection accounts and charge off accounts have {$0.00} balances. Each collection agency agreed to contact the bureaus and request the accounts be removed from my credit profile. It has been over 45 days and the accounts have not been removed and several balances have not been updated.

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 2020-07-02 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: NY

Complaint narrative:
XXXX XXXX  ( account number XXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. Experian only removed the 90 day late in XXXX. XXXX XXXX didn't do anything ... XXXX  didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on XXXX XXXX and XXXX The delinquency was not my doing.

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 2020-07-02 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: GA

Complaint narrative:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX, XXXX XXXX ( XXXX ) Names : XXXX XXXX ( XXXX ) Address : XXXX XXXX  XXXX ( XXXX & XXXX  ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX ( Equifax ) The following items are reporting as a result of Identity Theft : XXXX XXXX XXXX Date Open : XX/XX/XXXX ; Bal : {$59.00} ( XXXX, XXXX, Equifax XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX  & XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: GA

Complaint narrative:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX, XXXX XXXX ( XXXX ) Names : XXXX XXXX ( XXXX ) Address : XXXX XXXX  XXXX ( XXXX & Experian ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) The following items are reporting as a result of Identity Theft : XXXX XXXX XXXX Date Open : XX/XX/XXXX ; Bal : {$59.00} ( XXXX, Experian, XXXX  ) XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX & Experian )

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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
States that I have a mortgage in my name and unsure on whether or not it may possibly be a loan to purchase a home. It's on my credit report and is based from the state of XXXX. I reside in XXXX  and I e had my purse stolen and my purse had my social card my I'd card that was issued in XXXX  when I had turned XXXX and my original birth certificate. I have alot of unauthorized loans and collections that are seriously come to my attention. As of today and the past five years since my purse was stolen I've have had no ID nor able to replace my birth certificate and nor my sec replaced.

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 2020-07-02 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: NY

Complaint narrative:
These 2 accounts : XXXX  with a balance of {$16000.00} ( Opened  XX/XX/XXXX & XXXX XXXX {$23000.00} opened back in ( XX/XX/XXXX ) Not only are these accounts more than 7 years old, they were not opened by me! They must be removed immediately! This is inaccurate and false.

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 2020-07-02 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: NY

Complaint narrative:
These 2 accounts : XXXX  with a balance of {$16000.00} ( Opened XX/XX/XXXX & XXXX XXXX {$23000.00} opened back in ( XX/XX/XXXX ) Not only are these accounts more than 7 years old, they were not opened by me! They must be removed immediately! This is inaccurate and false.

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 2020-07-02 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Hi, I purchased airline tickets ( Frontier ) with my XXXX card totaling {$820.00}. I was scheduled to fly to XXXX XXXX with my family on XX/XX/XXXX. However due to Covid 19 the airline cancelled on XX/XX/XXXX. They never offered a refund but instead offered vouchers that had to be redeemed within 90 days. th. Much to my dismay having recovered from XXXX as I have proof of being tested positive for the antibody and my family also suffered a XXXX due to this virus, I contacted the airlines and they refused to give me a refund for something I was not able to redeem. The trip was canceled due to COVID19 and we had time to redeem vouchers for an unrealistic timeframe as States/Government official stop traveling for that time and we are still considered to fly at our own risk. Other airlines provided a reasonable timeframe to rebook up until XX/XX/2022and under different circumstances refund you if you were affected by COVID19. I tried disputing the charges but XXXX card gave me a temporary credit but recharged the charges on my account even after explaining that the vouchers no longer work because they had to be used by XXXX XXXX. We are still dealing with a global pandemic and it is unrealistic to book or plan a trip as we are still dealing with alot. Please help me dispute the charges.

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 2020-07-02 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: Avant Credit Corporation
State: AZ

Complaint narrative:
On 3 separate occasions this year, Avant Card Services has proven to be misleading, incompetent, and not as transparent. There needs to be more educational training and customer service coaching for these phone representatives. Please note the following concerns that need to be addressed : 1. On XX/XX/XXXX, I was experiencing financial difficulty due to the pandemic. I called in advance of the XX/XX/XXXX draft date and spoke with a rep who confidently assured me that the payment would be cancelled and I would be unenrolled from auto pay until further notice. I precisely confirmed this with the rep and even re emphasized the importance of un-enrollment of auto pay because of lack of funds. I was reasaured of this and was even enrolled in the relief Program from XX/XX/XXXX, XXXX XX/XX/XXXX. On XX/XX/XXXX I see a charge for {$25.00} and was livid because I had a different expectation in mind based off of my previous conversation on XX/XX/XXXX. I called Avant to address the matter and they filed an internal complaint and then proceed to send me an email stating how the procedure is supposed to be and that they were sorry for the misunderstanding. Interestingly, I have made all of my payments on time during this so called relief period so that Avant will not report late payments to the credit bureaus especially because my trust in them to handle small matters has completely diminished. 

2. On XX/XX/XXXX I called Avant for a simple billing question. At this point I know I am officially off auto payments AND my relief program is ending in XXXX so I need to confirm the payment due date and amount. The rep advises that she sees a {$0.00} balance and there is no due date in her system but I am more than welcome to make a payment now. This did not make any sense so I disconnected with her and opted to call back a later time. 

3. On XX/XX/XXXX I called again for two simple matters. I wanted to see if I qualify for an increase and confirm my payment due date and amount. The gentleman proceeds to provide the same answer that there is a {$0.00} amount due however he states my payment is due on XX/XX/XXXX. I got into a little debate because the previous rep said I have no due date or payment this months since I am on the relief program. I have been making payments consecutively up to this point. It was super frustrating and the inconsistency leads me to believe there is some misrepresentation of facts.

Company response to consumer: Closed with explanation