vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 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: MI

Complaint narrative:
XXXX XXXX XXXX-Date Opened XX/XX/XXXX Amount {$540.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Amount {$23.00}, XXXX -This account is over 7 years old and I would like it removed because it defies the statute of limitations.

XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XXXX XX/XX/XXXX Amount {$75.00}

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 2021-02-16 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Unauthorized transactions were posted to my account between XX/XX/XXXX and XX/XX/XXXX, in the amount of $ XXXX. I never received a card which allows access to this account. Provided you cant know what you dont know, I did not know there were unauthorized transactions on my account, when I became aware I immediately contacted institution regarding the transactions. Money Network alleges I set the PIN, I reiterated I never received the card. 
I am reaching out because the company claims my statement of facts is inconsistent and conflicting, I feel this is vague and complete lie, and also an attempt to shift burden of proof on the individual. My account of events has been consistent and I do not enjoy the tap dancing occurring around my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 I received a text message from Capital One because they identified purchases as possibly fraudulent. I called them and let them know that I have either lost or had my card stolen, and was not in possession of it on XX/XX/XXXX when these charges were made. 

They were numerous and fairly small {$19.00}, {$24.00}, {$17.00}, {$50.00}, {$20.00}, {$75.00}, {$140.00}, {$13.00} I told CApital One that i was 100 % sure these were not my charges for a number of reasons. They were used with the physical card at locations around XXXX NY that I have never been to, and I was not in XXXX NY at the time. At least two of the charges, {$140.00} ( Walmart ) and {$75.00} ( Tops Supermarket ) are stores with many, many CCTV cameras if there was any doubt. 

As a result of this phone call to Capital One, they credited the account for the fraudulent charges on XX/XX/2020 Then on XX/XX/2020, without any notice, Capital One again reversed the charges and stated I was responsible for paying them because the physical card was used. I stated that we knew this from the start, and there are plenty of ways ( CCTV ) to show it was not me making the charges. They said they would look into it again. 

About a month passed, and I called to inquire about the status, I was told its over, and I had no chance of changing anyone 's mind. 

What I expressed first was not just surprise that they were blatantly not following policy/law, but that Capital One was perfectly happy to have me still as a customer of two of they cards. The one in question which is a Capital One Walmart Mastercard and a Capital One Quicksilver card. I asked why they would extend credit to me, who they are insinuating made purchases and lied about it. I received no answer other than " is there anything else we can help you with '' Capital One also identified this as fraud, and issued me a new card and card number immediately

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16 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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
ACCOUNT HAS NOT BEEN VERIFIED WITHIN 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: TX

Complaint narrative:
On all XXXX credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX XXXX XXXX notified all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender and equifax investigation would not followed and XXXX XXXX sent letter proving i was and have never been late. The card holding company is XXXX XXXXXXXX XXXX but the credit card is XXXX XXXX and Equifax has that account listed twice on my report with the old account which was updated with 30 date late payment in XX/XX/2020 and the new account number which is accurate after XXXX XXXX went to a 16 digit credit card number versus 12

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have repeatedly asked them to stop calling. They call upwards of 3-5 times a day. I have blocked over 50 different numbers. PORTFOLIO RECOVERY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On Sunday XX/XX/2021 I noticed that cashapp had closed my account without any type of explanation. Unfortunately Ive been investing in stock and bitcoin on the platform for quite some time. I had about XXXX bitcoin which at the time was valued at around {$42000.00}. When I saw that my account had been closed I tried to sell by bitcoin hand withdrawal the funds back into my bank account. The first withdrawal that I did was for {$4000.00} at XXXX on XX/XX/2021. This withdrawal was not sent to my bank and it was subtracted from my cashapp balance. I researched a little online and found out that sometimes for larger transactions cashapp may not be able to instantly deposit it so I tried doing smaller amounts and a few of them went through. I did several {$1000.00} withdrawals around the same time as the first one and some went through and others didnt. Im total I attempted to withdrawal {$25000.00} which is the weekly limit for withdrawals on my account and only {$9200.00} was deposited into my account. Additionally i still have {$13000.00} on my cashapp account that I am not able to withdrawal because I am at the weekly limit. I tried contacting cashapp about this major problem and all I got was a auto response from their support. I also tried calling them but they do not have a customer support number. I contacted my bank to see if maybe the transfers were just on hold and my bank told me that cashapp reversed multiple transactions. Im total I am missing {$29000.00} that cashapp seems to be refusing to give me. This is my savings and they are denying me the right to withdrawal this money and are not attempting to help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Investigation took more than 30 days
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: The Bureaus, Inc.
State: AL

Complaint narrative:
This collection company, The Bureaus Inc, is reporting incorrect information on my credit reports from an account with XXXX XXXX. The balance is incorrect. I have disputed the information with the credit bureaus. The company has verified the information as accurate, but failed to provide documents proving the balance. I also sent a letter to the company requesting a full accounting record of the account that proves the balance. The company failed to send me this information. The balance reported is not correct. The company is reporting the balance higher than the high credit amount, which is never correct. Again, I have disputed this information several times and it has not been corrected or deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN FINANCING CORPORATION
State: TX

Complaint narrative:
We applied for a loan because they were supposed to specialize in loans to Vets. They changed loan products 4 times each time taking us through the process until the end when they said something did not pan out. We had over 150 email. Submitted 100 pieces of documents and many phone calls and texts. I asked that the last time they just submit my loan with the information they had because I am a banker I felt and still do that we qualified. At this time there are too many communications to list. We are requesting that you help facilitate,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/XXXX, I charged {$1000.00} for a deposit on a trip. Due to COVID, we cancelled the trip. In the meantime, I paid off this account and closed it because Chase Bank has some shady business practices. 

On XX/XX/XXXX, the tour company credited {$1000.00} back to this credit card even thought it was closed. I have confirmed through transaction ID XXXX that Chase Bank was the refund and will not return it to me. Inhave called them 7 times and because it isn't an active account, nobody retains the information. They make me start the process all over each time. I still do not have the refund. I want it returned with 24 % interest and late fees at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX we booked an XXXXXXXX XXXX  through XXXX XXXX XXXX ( XXXX XXXX ) located in XXXX Fl. and paid {$200.00} deposit using our Visa Credit Card for 2 people to the XXXX XXXX for XX/XX/XXXX. 
Then on XX/XX/XXXX we paid the remaining Cruise balance of {$2700.00} on our MasterCard credit card. 
Then on XX/XX/XXXX we noticed a credit of {$260.00} on our MasterCard statement from XXXX ( XXXX XXXX XXXX ) Then on XX/XX/XXXX we noticed another credit of {$310.00} on our MasterCard statement from XXXX. 
Then on XX/XX/XXXX XXXX XXXX XXXX sent out an E-Mail stating that due to unforeseen circumstances they had to cancel the XXXX XXXX Cruise reservations and will no longer be working with XXXX. They stated they could not discuss the reasons. Do to the cancellations XXXX XXXX XXXX is requesting a full refund of deposits and any other monies paid. She stated refunds have been initiated through XXXX and they will be issuing refunds to all. The ONLY refund we received was the {$200.00} deposit on our Visa. 
After not receiving a Full Refund we on XX/XX/XXXX called XXXX and spoke to ( XXXX a Refund Support Team Member ) asking him why we had not received the rest of our refund in the amount of {$2100.00}. He ask for our MasterCard # and then stated that our Credit Card money was used for an XX/XX/XXXX cruise to Hawaii for someone else. He stated that's why there were ( 2 ) credits issued on our Master Card statement because the XXXX  cruise did not cost as much as the XXXX XXXX XXXX that WE had booked. He also stated there is no refund due because the Cruise has already happened. 
( So we the customer unwillingly paid for someone else 's Cruise ) therefore our Credit Card was used Fraudulently. In XX/XX/XXXX XXXX XXXX of XXXX XXXX XXXX was accused of committing credit card FRAUD. 
XXXX also stated that XXXX XXXX committed credit card Fraud. Faced with a financial mess XXXX issued refunds but not to everyone. Some customers were told there payments went for trips that had already sailed which included us and many others. 
We at this point contacted our credit card Bank ( Comenity ) and disputed the charge because our credit card was used Fraudulently and that they should refund the monies we're out. They denied our claim stating it was not Fraud because we had given our credit card # to the merchant. We tried a number of times ( with supporting documents ) to explain that our card was used for someone else 's cruise. They continued to decline. 
We paid for services ( cruise ) that we did not receive! 
We have ALL the documents to support our complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I have filed SEVERAL complaints that are the SAME complaints because the company XXXX Bank of America XXXX keep LYING and stating the problem has been " resolved '' and/or whatever other LIES they tell you, however, nothing could be farther from the truth, all they ( Bank of America XXXX does is send me a letter with a " special '' phone number and a " special customer service agent '' that does ABSOLUTELY nothing!!! This is, HAS been a continuous loop that has been happening for quite some time with this company ( Bank of America ) which falls in right along with THEIR PREDATORY LOAN PRACTICES AND STRATEGIES!!! Please see this pattern and what's to " really '' going on and be privy to this information. Thank you. Sincerely, XXXX XXXX for Estate of XXXX XXXX XXXX, ( # XXXXBank of America 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 2021-02-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA
State: FL

Complaint narrative:
The incident happened today XX/XX/2021. I tried to file a dispute with XXXX and was given a hard time. They refused to provide a dispute number and when pressed about it, they disconnected the call. 
My Dispute that i tried to submit to XXXX was about AES : due date, amount due, total loan amt, lender, type of loan, and monthly payment amt. 
AES is not providing correct information to credit reporting agencies and is messing up my credit score. XXXX did not appear to want to file a dispute and refused to give a dispute number. There was another line item dispute for charity services that was then reported as debt. I do not know weather that was disputed either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My Experian credit report is missing an open account which appears on my other credit reports. This artificially increases my credit utilization percentage and lowers my score. I have called and waited on a chat line with no success. the dispute center only allows for me to dispute the accounts that are shown and does not allow me to address a missing account. This missing information is negatively impacting my credit score and it is next to impossible to contact Experian unless you want a new credit card or want to buy additional services. This missing information increases my credit utilization rate from 7 to 12 %.

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 2021-02-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC
State: FL

Complaint narrative:
I have got many calls from Atlantic Recovery Solutions ( ARS ) staff IRA XXXX regarding a fake debt. I have communicated with both XXXX and XXXX. No such claimed " {$1200.00} transaction '' to another party ever occurred at XXXX, neither was XXXX rejected by XXXX. ( this was also claimed by Mr. XXXX that my banked notified me the return of ACH by XXXX in XXXX of XXXX ) I went to the bank in person and I got the transaction statements for the month of XXXX to XXXX. None of them have shown any rejected ACH. See attached XXXX statement not showing such transaction in the history and no ACH rejection in XXXX. See attached statement from XXXX for the month XXXX, XXXX, XXXX and XXXX. MR. XXXX claimed that my XXXX account was suspended due to the non-payment. I logged on without a problem. My XXXX account history shows no transactions since XXXX. 

When I called XXXX to report ARS, I found out that ARS is faking to be XXXX member using a fake certification # on their website. XXXX XXXX XXXX has confirmed in the email that they can not take actions towards their fraud debt collection due to the fact that ARS is not a member. Please see attached email communication.

When I called ARS to question their validation of debt process. The staff said they " bought '' debt from XXXX XXXX XXXX which is another made up company with fake phone #. See attached XXXX search of the company as well as their fake phone #. I have statements from both XXXX and XXXX to prove that they have fabricated this " debt '' And they illegally bought my SS #, DOB, old and new accurate address. I had to freeze my credit through XXXX XXXX. The staff, IRA XXXX, threaten to ruin my credit if I didnt pay at least {$800.00} by the end of day on XXXX. I would also like to file a complaint against the threat. I have serious doubt regarding this company being a legit company. I will bring this to XXXX and Attorney General. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On all 3 credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX XXXX XXXX notified all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender and XXXX  investigation would not followed and XXXX XXXX sent letter proving i was and have never been late. The card holding company is XXXX XXXX XXXX but the credit card is XXXX XXXX and XXXX has that account listed twice on my report with the old account which was updated with 30 date late payment in XX/XX/2020 and the new account number which is accurate after XXXX XXXX went to a 16 digit credit card number versus 12

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 2021-02-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On all 3 credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX XXXX XXXX XXXX all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender and XXXX investigation would not followed and XXXX XXXX sent letter proving i was and have never been late. The card holding company is XXXX XXXX XXXX but the credit card is XXXX XXXX and XXXX  has that account listed twice on my report with the old account which was updated with 30 date late payment in XX/XX/2020 and the new account number which is accurate after XXXX XXXX went to a 16 digit credit card number versus 12

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 2021-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On all 3 credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX Neimen Marcus notified all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender and XXXX  investigation would not followed and Neimen Marcus sent letter proving i was and have never been late. The card holding company is XXXX XXXX XXXX  but the credit card is Neimen Marcus and XXXX has that account listed twice on my report with the old account which was updated with 30 date late payment in XX/XX/2020 and the new account number which is accurate after Niemen Marcus went to a 16 digit credit card number versus 12

Company response to consumer: Closed with non-monetary relief