vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-01 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: NJ

Complaint narrative:
I have not received any confirmation on how you have verified the alleged account ( XXXX ) attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) **** 30 days have pasted and I did not receive proof that account ( XXXX ) is accurate. And therefore this account should be removed.

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 2019-12-01 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I was considering to close one of my accounts with American Express, so I made a call to customer service on XX/XX/XXXX. When the customer service representative was reading the disclosure before finally canceling the account, I suddenly lost connection to the call due to the poor network connection. I thought the process of account closure would not be completed, as they would need to finally ask for my approval after the disclosure. I also changed my mind, and decided to keep the account open until XXXX 2020 when the annual fee is due. 

However, I was very surprised to see my account closed on the next day, therefore I immediately called customer service. An agent and a supervisor named XXXX both advised that the account would be reinstated, and the supervisor offered XXXX rewards points as compensation for inconvenience. The supervisor also advised that she was working with other departments to try to get the card delivered to me as soon as possible. 

On XX/XX/XXXX, I realized that the account was not reinstated as promised, when I was trying to add the card to my online account via online chat. I then called customer service again, and was advised that the previous request for account reinstatement was declined due to my recent FICO score being around XXXX, which is not bad though. As such, I submitted an internal complaint to American Express, since there would not have been such a problem if they did not close the account without my final approval. 

I then called the department related to the specific card type, and was advised by a supervisor named XXXX that technically they would not be able to reinstate it at all, since this type of card is no longer open for applications. I then realized that the previous agent and supervisor gave me wrong information, which caused extreme confusion and frustration and should not happen. XXXX offered XXXX rewards points as compensation. I mentioned that last time the supervisor also offered the same, but I had not received it. XXXX responded that there was not such a note in the system, therefore they would not honor it. She also refused to acknoledge the existence of promise for compensation in my previous conversation with XXXX. 

In the end, they would not reinstate my account, which was closed due to their mistake, and refused to honor the compensation as promised. I have spent two hours in phone calls regarding this problem and got extremely frustrated, and also lost my account which has been open for three years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CO

Complaint narrative:
A {$100.00} Mastercard Gift Card was purchased for me on XX/XX/XXXX. The card still has the receipt and was still sealed in the package until we found it lost in the back of a drawer. We went online to register the card on XX/XX/XXXX and found it had a {$0.00} balance. According to the back of the card, it was not expired, and even with inactivity fees should still have a balance of around {$75.00}. We called custimer service, where the rep told us that it had been purchased and drained in XXXX - a full year before it was purchased and also registered to a completely different person. They refused to help in any way, other than asking us to Fax a bunch of information to a number where we may or may not get an answer. We do not have a fax available to us, and no one uses fax anymore. This is a ridiculous request, on a card that was clearly compromised before even being purchased. They should stand by their product, and allow us to email a picture of the physical card and receipt proving our information is correct.

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 2019-12-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filled a distpute this bankruptcy does not belong on my credit profile

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 2019-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
The issue I am reporting is with the rewards program of the Barclays Arrival Plus World Elite Mastercard. Per the card 's terms and conditions, purchases earn " arrival miles '' which in theory should be usable for travel related purchases. The exact wording on the website is " Travel purchases eligible for redemptions are defined as airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, trains, buses, taxis, limousines, ferries and your account annual fee. '' However, over the course of ownership of this card there have been two instances where I have made purchase from qualifying institutions ( as detailed above ) and the bank refused to allow me to apply my award as advertised. The first was the purchase of a XXXX USD XXXX gift card, which the bank said did not qualify as it was a gift card. However the card was purchased from a transportation firm with no other possible redemption except for against future transport on the XXXX network. The second instance was a hotel stay for XXXX USD which was erroneously categorized as a restaurant, for which the bank representatives noted they had no ability to correct. As the stay was clearly labeled as a hotel, the XXXX XXXX XXXX, I do not see how the bank can continue to refuse to honor the terms of it's own reward program in what is clearly a demonstration of bad faith. I would ask only that the bank apply the correct amount of it's rewards system to my charges as advertised.

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 2019-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This bankruptcy should not be on my credit report i never filed bankruptcy

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 2019-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/2018 ( for the first time in my life ) I visited the ER at XXXX XXXX XXXX XXXX. While there I gave my insurance information and both days I paid a {$50.00} copay ... {$100.00} total for the two visits. I was seen by a Dr. XXXX on the XXXX and on the XXXX by Dr. XXXX, ( both worked at XXXX as contract ER doctors supplied by XXXX XXXX XXXX. XXXX XXXX. ( phone XXXX ) ) Not too long after this date XXXX XXXX XXXX XXXX closed it's doors and went into Chapter XXXX bankruptcy. Nearly a year later I receive a bill from a Kings Credit Service stating that no insurance had paid and that I was being charged for treatment. I contacted KCS and got no good explanation, they said they knew nothing except that I had to pay. I don't know, but, I suspect that perhaps XXXX failed to submit my claim correctly during their bankruptcy issues. Finding this problem out I quickly contacted XXXX and was told to file a form and that they would investigate. XXXX did just that and supplied me with documentation ( see attachment ) that shows that XXXX has paid these claims as submitted by XXXX. I immediately called KCS with this information. They don't answer their phone so all I could do is leave a voice message and mail info. I felt I had done the work and it was over. But no, Kings Credit Service just days ago again sent me a bill ( each time adding substantial late payment fees ) asking how I plan to pay them. Adding more insult to injury they've now also put a pretty hard hit on my credit score. As I've shared, I have complete XXXX documentation but KCS does not seem willing to even investigate what I have given them. I've done a lot of work to resolve this but I'm now becoming concerned that this maybe some sort of a scam and that the only way to deal with KCS is to pay money to them that I DO NOT owe. I do want them investigated for possible fraud, I want closure, and I really want KCS to do right and get my credit score restored to Excellent, as BTW it has been ALL of my adult life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
On all 3 credit bureau reports, they show an account that was deleted at least a year ago and now this account is popping back up. the information is as follows : Paramount Recovery opened on XX/XX/2019 Original creditor is XXXX XXXX XXXX XXXX for {$480.00} dollars. 
Previously on all 3 credit bureaus, this incorrect account was removed and now is back on them again without my prior knowledge, until I looked at my reports recently

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc.
State: HI

Complaint narrative:
I found out about a collections account with progressive management several years ago. I disputed the amount, and it was removed from my credit report. The account has popped up several times back on my credit report with more recent dates. I have never received ANY written notification from the company. Including notification that they were going to resubmit the debt to the credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$8600.00} {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. XXXX666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8600.00} -This is not my account. 

-CLOSED ACCOUNT- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello to anybody reading this I recently started selling on XXXX with a new paypal account I understand why they put my money on hold for almost 2 weeks what I dont understand is. even after all packages I sent were delivered and signed for and I received 0 complaints and they took my money off of hold they refused to let me transfer my money into my bank account which is legally mine and they put my account on lockdown for 180 days for no reason when i called the customer service they was very rude and the supervisor also. they put me on hold multiple times for no reason sometimes for 30 minutes and hanged up this all took place between XX/XX/XXXX to XX/XX/XXXX 1

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$8600.00} {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8600.00} -This is not my account. 

-CLOSED ACCOUNT- 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$8600.00} {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8600.00} -This is not my account. 

-CLOSED ACCOUNT- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
new Apple Card credit card holder and on Saturday, XX/XX/XXXX they had placed a restriction on my card without providing me any reasons as to why they restricted it I just received a message saying that your account is restricted for no apparent reason they said they have to give me a call back to resolve the issue nobody has called me back theyre just giving us a runaround and it seems like a lot of people are having issues with the same thing car just restricted this is the first time that I had dealt with a big company that has such poor customer service and they are very sickSecretive of what to do they could not see resolve it with me coming in they have to call me which is so stupid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Im writing u this letter that this company claims I owe this bill. I dnt owe it and they wont delete out of my three credit report. The name of the company is Chrysler this debt is not mine and I demand to take it off my three credit report. Its not nan so I come to u to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I report all theft to you ftc and get no response or help from anyone. Paid for services and lost so much money.

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 2019-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, I opened a bank account with USAA. My mother, a long-time account holder, eligible based on her fathers military service, helped me do so. 

Between XX/XX/2019 and XX/XX/2019, I deposited {$3200.00} into my USAA checking account and {$550.00} into my USAA savings account, for a total of {$3800.00}. On XX/XX/2019, I was revoked access to my online account portal ; when trying to login, the official USAA app displayed a message instructing me to call. 

When I called that day, a representative told me that my accounts had been closed, that USAA would no longer be doing business with me, and that he was not permitted to tell me why. After numerous phone calls that day, I came to understand that banks are allowed to refuse business to any customer for any reason except discrimination, but are required to return said customers money in a reasonable amount of time. A USAA representative finally confirmed my mailing address and told me that I would receive a check for {$3800.00} within 30-60 days. 

As of yesterday, XX/XX/2019, I still have not received that check. As such, I called USAA to ask when I should expect my {$3800.00} check. The representative told me she could not talk to me. I asked her to connect me with a supervisor. After a short hold she returned to the line and said that she was unable to connect me with a supervisor for the same reason she could not tell me any information about my accounts, and that she was going to end the call. I told her that I would take legal action if she did so. She then hung up on me. 

Thus, I am submitting this complaint against USAA in order to have my {$3800.00} returned.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation