vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-16 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: NJ

Complaint narrative:
Noticed an accounts on my report that is not mine 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 2021-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
An item appeared negatively effecting my credit report regarding an account of which I had no knowledge. My expecting fiance and I were denied housing because of the derogatory marks on my credit. This account was opened fraudulently. Ive asked that the item be removed from my credit report simply pending further investigation into the matter. At this time no steps have been taken by the company to allow for such and legal counsel has been obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: PA

Complaint narrative:
I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: MI

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  XXXX  and the Creditor ( XXXX  XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
My account was transitioned from XXXX to BBVAUSA.com last week, and now I can't access my account, it says it has been " locked for security reasons '' and that I need to call their phone number for support. I've attempted to call them several times and after waiting on hold for an hour I was hung up on. I can't get through to a human, and I can't login to my account and access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: AL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I opened a XXXX card account and have been using it for many many years but for the last 2 months I can't access my money. My daughter also has an account and can't logon to access hers neither which made me learn that all XXXX card holders have not been able to logon or have any access to our accounts. Do a simple search and you will see hundreds complaining of the same and it's been months. I troubleshot the issue on all kinds of XXXX  tablets and computers to check ( I'm a professional XXXX  ) and it's all the same the XXXX  app nor website has logon ability. See screenshots of their website and XXXX  app. blocking logon XXXX has no access for anyone. Noone can withdraw their money!!! I've contacted them several times in all aspects such as customer service forms, direct emails and phone numbers which, myself nor my daughter or others have never received a reply or have been able to get a amex representative live person to pick up the call. It's been months now and so it is absolutely criminal on their behalf to steel our money. I don't know what else to do so I'm looking for help. 
Thank you and I appreciate any assistance you can give us to get our money out if XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-16 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
On XX/XX/XXXX, I made a purchase at XXXX using my Apple Card in the amount of {$1100.00}. XXXX days later, I received an email stating my package has been delivered. I went to get the package and there was no package. I reviewed security cameras and no delivery courier ever came to my home that day. I immediately phoned the merchant to inform them that the package was not delivered. They advised me to contact XXXX and handle it on my own, stating there was nothing they could do. Upon investigation, XXXX determined the package was lost or stolen in transit. The merchant was notified of this outcome. The shipper, XXXX, has indicated they have informed the merchant of this finding many times as well. I have contacted the merchant several times by phone, chat and email and they have refused to provide the merchandise. 

I filed a dispute with Apple Card for this transaction on XX/XX/XXXX. I was issued a provisional credit in the amount of the disputed charge. XXXX  months later, the dispute was closed under the reason : " The merchant provided sufficient evidence that you made the purchase ''. Im not disputing that I made the purchase, but rather that the merchandise was not provided. 

I have reopened this dispute many times, which are again denied on the same basis. I reinitiated the dispute again 2 days ago. When I reach out to Apple Card customer care, I get a form response stating they will get a supervisor to look into it. I have submitted evidence of the merchant refusing to give me the merchandise or refund. I don't believe there are actual human beings looking into disputes at XXXX XXXX XXXX XXXX XXXX. Each communication seems like a canned response and they do not seem to understand what is going on. I placed the order on XX/XX/XXXX, XXXX months later I still have not received the merchandise. I will not pay for items that I have not received. My last correspondence with the merchant in XX/XX/XXXX indicated that they will ignore my requests to get the merchandise. I have no interest in continuing to beg for the merchandise for which I have paid. I find this unacceptable. XXXX keeps putting this charge back on my card. This is tying up a portion of my credit limit. From my perspective, XXXX XXXX is assisting the merchant by continuing to let them hold my money/property and not giving me the merchandise. All parties involved are jeopardizing my credit. I have spent hours trying to rectify the situation. This has been the worst customer service experience Ive had with any company. Ive attached some screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I have been receiving emails from someone from Ace Cash Services. 
Their email address is XXXX. 

One email states the original loan was for XXXX. The settlement amount is XXXX The Customer ID is XXXX File # : XXXX XXXX The loan was signed via my email address. My SSN will be placed on hold by the United States. Legal action will be taken against me. Court fees will be XXXX To resolve the debt I need to contact : Department of Law and Enforcement ( Ace Cash Services ) between the hrs. of XXXX and XXXXXXXX ( EST ) A different email states the loan was taken out online on XX/XX/2015 for XXXX. Loan signed with my email address. They state in a different email that my computers IP address was traced when signing the online contract. 
These online applications are to be secure by the loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: PA

Complaint narrative:
I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021, I attempted to make a ATM cash deposit at the branch located at XXXX XXXX XXXX, XXXX XXXX NY in the total amount of {$900.00}. I inserted XXXX ( {$20.00} ) bills, the ATM machine rejected the deposit and only return XXXX bills ( {$580.00} ). I am missing XXXX ( {$20.00} ) bills which equates to {$320.00}. I called customer service while still in the branch and provided all the pertinent info ( ATM ID # and location ). The customer representative XXXX created a claim ( ID # XXXX ). I was informed that a technician will be onsite by XXXX to open up the machine and perform an investigation by counting all the funds to determine the discrepancy. I called the following day on XX/XX/XXXX, and were advised that the claim is still pending and it can take XXXX hours for a conclusion. I called the following day on XX/XX/XXXX and was informed that it can take up to 45 days but would have some information within 10 business days. I express my concern with my financial situation and that the money is needed for food for my children. The representative submitted a hardship request for a credit to be applied until a resolution is officially made. I called again on XX/XX/XXXX, and was informed that the hardship request was only documented on the claim and will be taken into consideration for approval. The hardship approval request takes approximately 10 days. I requested to speak to a manager, no one was available so the representative requested my phone number and advised that I should receive a call by end of business day. Today is XX/XX/2021 and I have not receive a phone call and my claim is still pending. My children are still without the funds needed to put food in the refrigerator. Please help. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/21 I received a text from someone from Bank of America asking did I attempt {$1200.00} declined on card ending in -- - at XXXX-Reply YES/NO/HELP. Don't want fraud texts? Reply REMOVE. ( see text upload ) I responded NO. Thereafter I got a call from someone saying they are from Bank of America asking if I made transactions in Texas. 
The person said my information is being compromised and that I needed to transfer my money to a XXXX acct. I than was instructed on how to do so on both my savings acct and checking acct. total transferred {$1700.00}. The person confirmed activity in my accounts, leading me to believe that this is an official representative of Bank of America. 
Once the transfer was complete, the phone line went dead and I called the number displayed on phone, to no avail. Bank of America feels they can't recoup any of my money because I willingly sent it. This is XXXX. Bank of America even admitted to me on multiple phone calls stating they are aware that it was a scam, but they can't recoup any of my money. Someone texted and called me pretending they are from Bank of America. I shouldn't not be held 100 % accountable, especially when Bank of America recognizes this as a scam. Pls. help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-16 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: FL

Complaint narrative:
Please see attached FTC report and verification that my identity has been compromised on the XXXX XXXX Website- it is also important to note that this is not the first time that I have received this alert from XXXX . Moreover, The XXXX XXXX XXXX is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. As such TransUnion has repeatedly failed to both validate/verify this account and remove it from my credit profile. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account- otherwise it must be deleted IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
In XXXX of 2015 I opened a Capital One Credit card and XXXX $ was the limit. I have never been late and its only recently that I became aware that it is a secured card maybe because I have had it so long. So I inquired about having my limit increased and returning my deposit of XXXX $ - I read many advertisements about how after six months you would be reviewed and limit increases and your deposit would be given back. But thats not the case! I was told I would have to close the card and apply for the money in deposit and no interest would be given either. So not only have they given no increases, they get to keep XXXX $ and no interest. I must be helping them instead of them helping me. I dont want to close my account and other than the items mentioned I am happy with them. Its their Platinum card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: GA

Complaint narrative:
Hello, On XXXX, XXXX 2021 I received my redemption code from Blackhawk for my Visible/XXXX Mobile promotion Mastercard of {$300.00}. WhenI attempt to visit My Prepaid Center https : //www.myprepaidcenter.com  and enter the redemption code, I receive the following message. " Oops. There's an error on our side. Please try again soon ''.

I have attempted to contact customer service via the following phone number, Mastercard cardholders : XXXX in the U.S. However, I was advised that they are unable to assist with the redemption code over the phone. 

Can someone please help? Thank you.

Company response to consumer: Closed with explanation