vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been using Capital One for some time. When I began using the card for online gaming, they began putting fraud holds on my account. I resolved this in XXXX on at least two occasions, verifying it is me making the purchases. I have not disputed a single charge, yet they continue to put fraud holds on the account. Normally, I just have to jump thru hoops over the phone to resolve, but it kept happening. Now in XXXX, they have placed another fraud hold, and this time will provide no information, and are asking for documents to verify my identity ( Documents not required to set up account or use it in the past ). I have provided them the best I could, and they continue to want more. Now they are demanding new scans of the back of my ID ( despite sending them over 10 pictures, none seem good enough ), and now are asking for the back of my social security card. This has become harassment, not any kind of fraud protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hi Bk of America ; Why am I seeing incomplete, and unverifiable information ... ..I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Kashia Services
State: MD

Complaint narrative:
I sent an email to the company on XX/XX/20 stating that I lost my job and to not withdraw any funds from my account, and that I would make OTHER PAYMENT ARRANGEMENTS. And that there will be no funds in the account to withdraw from. They have consistently tried to withdraw {$250.00} from account 5 times causing me to have NSF fees at {$32.00} making it a total of {$160.00}. They then successfully withdrew the {$250.00} plus a NSF fee of {$32.00} on XXXX/XXXX/20. Causing my account to be negative of {$290.00}. I have contacted the bank and they are allowing me to dispute the withdrawal. So now I am contacting your company for further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. 
I have no other reason but to believe that I am a victim of Identity Theft, I am dealing regarding Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently received some medical collection letters that I have not idea why I am receiving them. COMMONWEALTH FINANCIAL SYSTEMS , INC, was recently removed from my credit report because I include them on my previous dispute with the Credit Bureaus, unfortunately they still sending letters trying to collect on me, I do not recognize the alleged account with XXXX XXXX XXXX, XXXX, the account does not belong to me, please stop further collection activities. I am hopping that this complaint will resolve this matter, for reference I am uploading the previous package I submitted to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a new credit card from BMO Haris Bank. The bank provided a phone number ( XXXX ) to activate the card on it. I called the number from XXXX on Friday the XX/XX/XXXX at XXXX XXXX and a man answered the calls after waiting for about 30 minutes. However, the person hung up my call without solving the problem and was very rude. They issued a credit card and does not want to activate the card. It affected my credit score. This Bank has a history of discriminating against people. I have a checking account with this bank. If there were a problem they could just deny my checking and credit account for the first time without affecting my score.

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 2020-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CarMax, Inc.
State: OR

Complaint narrative:
XX/XX/XXXX XXXX  XX/XX/ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( This one I actually answered. She said her name was XXXX only after I asked and she wanted to speak with XXXX last name removed. I asked what is this in regards to? She said is this XXXX. I said, which company do you represent? She said is this XXXX? I can not discuss the nature of the call. I said well, I guess we don't have much to talk about then. She actually works for Carmax and is legally obligated to tell me what company she represents when she first speaks to me. TFDCA protects me in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit Reporting Agencies have stated that a verbal permission to access a credit report is allowed for a company. May I have the section in the FCRA that allows verbal permission for a company, not a person, to access consumers private credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Reporting Agencies have stated that a verbal permission to access a credit report is allowed for a company. May I have the section in the FCRA that allows verbal permission for a company, not a person, to access consumers private credit report?

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 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have $ XXXX assets across my US bank accounts.. In XXXX or so I created a child account for my daughter XXXX, just to get her an ATM card for emergencies. She barely ever used her account and she has access ONLY to her account, not to my other accounts. 
On XX/XX/XXXX, we noticed suspicious activities on her account ( some unknown XXXX transfers ) and contacted US Bank 1-800 number about this on XX/XX/XXXX ( the next biz day after we found out ). I was told that their fraud dept is looking into this ( person XXXX ) and that they would contact me. Had to wait for her to return from PTO when she sent us to the local branch. OK, so we went to the local branch and were told this would be resolved in 10 days. When more than 10 days passed with no outcome, and went to the brand again, at that time we realized also that all our account have been blocked. 
So just because XXXX account currently shows negative {$700.00} balance ( her balance before the fraud was {$300.00} ) they now blocked all my $ XXXX assets.. and my scheduled payments are bouncing off and I am being charged penalties. 
I have been reaching multiple times both via phone and in person at the local branch, and one moment they tell me to open a new account with them, close the old accounts ( since they supposedly might also have been compromised ) and transfer the balance to the new account, and the next moment they say I can not do that since my fraud claim was rejected with no further explanation and no access to my funds. 
I told them that if they are concerned about that - {$700.00} balance, lets put {$1000.00} aside from my account, but I really need to reestablish my access to the remaining $ XXXX to no availsomehow they just do not care??? 
Any chance you can help me here with my customer rights? I would have never expected this from US Bank ( such well known institution ) and I had been their customer since 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 monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to you about the succeeding LVNV account # XXXX, Opened date : XX/XX/2019, highest balance {$3600.00}, original creditor : XXXX XXXX. This case is worth over {$100000.00}. I have been turned down from several lines of credit and this is also affecting me emotionally. 

My demand is to get the item removed based on all the unfair practices and negligence that this company has committed. Just to mention some of them : 1 ) Account has been re-aged. showing latest status as 120 days late, this has hurt his score, collection company can only report account as collection and not report it that theres a monthly payment due thats 120 days late. 
2 ) Reporting collection account illegally as 120 days late.

3 ) Failed to report last payment date.

Ive been paying high interest rates because my credit score keeps decreasing month by month. I deserve to get the item removed from the 3 major credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered my name was spelled incorrectly on my Equifax credit file. Also, there was an address on the file that I have never resided at. I contacted Equifax to report the problem after trying to log on using the Myequifax feature to complete the dispute, but was not able due to the name not matching my SS #. Once I contacted Equifax they told me that I was incorrect and that my name was correct on their file. After several calls and very unprofessional customer care representative, I was asked to fax documentation with my name and address. I tried to fax the information over 30 days ago to receive a continuous busy signal and failure to fax. I then contacted them and received a mailing address to send the documentation. It was sent, but still has not been processed. Upon my follow up I was asked to fax again. I tried that again today to only receive the same failure to fax message. After contacting them to make them aware I was once again questioned repeatedly about the spelling of my name and why I was not completing the process online. I spoke with three different customer care representatives, just today, XX/XX/2020 and was not able to resolve the matter other than being told to keep trying to fax or wait and see if the mailed documents are processed. This is unacceptable. Many links on their site do not work. I receive a message stating " requested URL rejected- support ID XXXX. I also asked for a telephone number, email or address to make a formal complaint and was told by a customer care representative that there is no external way to complain about service other than through the customer representative that I was speaking with. Part of my complaint is about the person I was speaking to. Finally, I am continuously being asked to upgrade my account even though I have a monthly plan and when I shared that I am not receiving the services paid for, I was told I was just have to wait until things are cleared up, yet I would still be charged for services. This is RIDICULOUS. I appreciate an assistance that can be given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had purchased a vehicle from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. The contract was for me to pay biweekly on the car loan which was to call in and make a payment on the scheduled date. If I'm late they would also call me for a reminder to make a payment. I started to notices transactions I wasn't making on my credit card around XX/XX/2020 so I contacted BANK OF AMERICA and informed them and they offered to cancel the card, send a new one and refund me for the purchases that I didn't make. A few weeks past and it happens again, a purchase made on my card that I didn't make, I contact bank of America and they will send me to there claim department and I would have to wait on there phone line for HOURS to reach an agent and no one would answer the phone line. I have been trying to reach them for weeks regarding these purchases and still NOTHING. I had canceled my card and got a new one and random purchase would still continue to happen on my account. I canceled my card about 5 different times. I have not been able to reach the BANK OF AMERICA claim department after the agent would verify my account. I got so angry and fed up I seek out to try to find the person who was responsible for these random purchases. So I started to contact the stores these purchases were being made at. They gave me the name of a person that works for XXXX XXXX XXXX. This is the same person who has been taking my car payment over the phone. I quickly filled out a police report on their employee and XXXX because I trusted XXXX XXXX with all my personal information. This person called me and told me her information was hacked by someone in her family and they somehow got my personal information which is completely unbelievable because I thought I was doing business with only XXXXXXXX XXXX XXXX After finding out my personal information was so exposed to anyone to get ahold of I started to reach out for help. I really want to stop doing business with XXXX because I'm super afraid of who has my personal information now, I would like to return the vehicle and receive a refund because this has destroyed my confidence and trust of knowing my information would be safe. They had put me in so much debt and trouble by me having to invest so much time in trying to get help and still BANK OF AMERICA have not refunded me. XXXX and their employee have stolen {$3800.00} of unauthorized purchases made on my BANK OF AMERICA CREDIT CARD.

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 2020-10-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Around XXXX XXXX XX/XX/2020 i tried filing an online dispute with multiple items. Each time I attempted to submit the dispute the system timed out with an error code of " system temporarily unavailable. '' I thought this might be due to batch processing during early morning hours. Around XXXX hours on XXXX XX/XX/2020 I proceeded to do the same thing and encountered the same error. It was only AFTER limiting the amount of items to two ( 2 ) items that Equifax 's system successfully processed the dispute. When I went to dispute an additional item, the system timed out with the same error. The only subsequent information Equifax 's system would allow me to dispute without timing out was placing a statement on my credit file. That is attempts to dispute any material items beyond the initial two ( 2 ) items appears to be explicitly blocked. 

What this means is that Equifax is limiting the amount of the disputes any individual is allowed to dispute within an unknown period. Given the nature of the current pandemic the turnaround time for processing and resolving a dispute is in excess of the thirty ( 30 ) day time-frame. Equifax appears to be regulating the information that an individual may dispute by first passing the infrmation through " ai.equifax.com '' before the system will process and accept the dispute. Any mention of COVID19 or SARS-CoV-2 as a part of a dispute appears to be rejected by the system -- even if in the personal statement. Thus, Equifax is controlling my right of notice and opportunity to be heard and is effectively abridging my rights of due process granted to me by the FCRA. The harm is that additional items that may need to be disputed remain unresolved and in my credit file, lowering my credit score and adversely affecting my ability to secure lines of credit at a time when many individuals are experiencing financial strain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: NJ

Complaint narrative:
Received unsolicited text message on XX/XX/2020 claiming a balance owed of {$75.00} to XXXX XXXX. The agency reference number is XXXX. On, XX/XX/2020, the business informed the CFPB that they would mail proof of the alleged debt and a copy of the receipt showing paid in full. Sixteen days later, this has not been provided.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation