vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 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: CITIBANK, N.A.
State: LA

Complaint narrative:
I have a CITI Double Cash Card. On XX/XX/2020, when checking my account online, I was shocked to find my Cash Rewards in excess of {$1400.00} was now {$1.00}. I later find out that they were converted to what CITI calls Thank You points and then were redeemed. The conversion to Thank You points and the redemptions were both without my or my wifes authorization as neither of us even knew what Thank You points were. No one else is authorized to use the card. I reported the incident to CITI on XX/XX/2020 and the representative told me they would have to investigate the incident and that it would take 7 to 10 days. This was the second time this has happened and the first time after many phone calls, CITI converted the rewards back to cash. I received a letter from CITI on XX/XX/2020, dated XX/XX/2020 stating that they can not convert the Thank You points back to cash. I called CITI that same day and spoke to several representatives, including supervisors, and they all told me there was nothing they could do. Thats when I decided to file a complaint with CFPB. After this is resolved, one way or another, I will be closing my account at CITI,

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 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I purchased airline ticket online from XXXX XXXX XXXX website on XX/XX/2020 using my Barclays Master Credit Card ending in XXXX. Travel date was XX/XX/20 and XX/XX/20 from Washington DC to XXXX. The flight was cancelled in XXXX due to Covid 19. The airline has not refunded the money or responded after many attempts via phone, email, and online submission. 

I disputed the charge with the Credit Card company in late XXXX, and made repeated attempts in XXXX, XXXX and provided additional information they requested. On XX/XX/XXXX, Barclays card sent me letter saying they are unable to pursue credit since the chip on the card was read and validated, or the card was present and CVV confirmed. 

As I mentioned, it was a online purchase. I demanded Barclays provide evidence of reading the card or physical transaction record. OnXX/XX/20 Barclays sent a letter saying that they are unable to complete my request and that's the end of it.

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 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX my driver 's license, my social security, my passport, and other personal items were stolen from my car. At that time my credit history was starting, so when I reported to the credit bureaus they just put an alert for 6 months. 

In XXXX, someone got credit cards from Capital One, using my identity. I recently discovered this when I downloaded the app XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: MD

Complaint narrative:
This is a scam. XXXX XXXX approached me on XXXX XXXX for Real Estate FUnding. I was approved for a loan but he wanted me to send {$2400.00} to a student at the University of XXXX  and gave me her personal account number. I have not done so. His email address is XXXX. At fist he gave me his work email but his work email is XXXX. His phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These are not my inquiries, I have never applied for these.

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These are not my inquiries, I have never applied for these.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: NC

Complaint narrative:
XXXX should not be reporting to Experian a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Since this account has no outstanding balance there is nothing to collect and/or chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I  have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
The company is threatening me with credit reporting and has referred the account to a debt collector for debt not owed. This is a landlord tenant issue and they are trying to circumvent the proper legal action to collect deposit money not owed if any. They owe me money from my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: FL

Complaint narrative:
I requested a documentation that shows that i have a binding agreement with the collection agency or the creditor, whom they are trying to collect on behalf of. They did not send me any information other than a letter stating that i owe an amount that i do not remember ever having.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Case Number : XXXX Account Number XXXX XXXX XXXX billed on XX/XX/2020 for {$1700.00}. 

I bought 2 airline tickets on priceline using my capital one visa card. The airline cancelled the flight and I did not receive the tickets I paid for. XXXX refused to issue a refund. I spoke with XXXX on XX/XX/2020 and most recently on XX/XX/2020. The airline said that I would need to speak with XXXX about refunds ( since I paid them for the tickets ). With no other options available, I disputed the charge and provided evidence that I did not receive the goods and services I paid for. This included a letter from the airline stating they cancelled the flight. I also included US laws from dept of transpotation indicating refunds are required I. This isntance. XXXX falsly claimed in what appeared to be a routine prewritten response that the cutomer cancelled the flight. This was false and I provided evidence to the contrary. Capital One clearly did not review my evidence and simply denied my dispute stating that the. " merchant did not violate operating guidelines. They did not investigate or even address the fact that I did not receive the goods and services I paid for which was the basis for my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27 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: NC

Complaint narrative:
XXXX should not be reporting to Equifax ; XXXX and XXXX that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account had been transferred and one of my payments had been processed incorrectly and because of this processing error my account had reported a late payment. The payment of XXXX had actually been entered as a payment for XXXX. Consequently because of this initial data entry error, this account has been falsely reporting a ( 30 ) day late. I contacted XXXX and I was assured that this data entry error would be corrected. Unfortunately, they did not keep their word and this account is still reporting wrong. I have contacted the bureaus as well to remove this late however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX XXXX XXXX sent {$1000.00} to my XXXX  XXXX  which had my bank account linked. On XXXX XXXX XXXX XXXX filed a dispute. I filed a dispute for my {$1000.00} back but the back but my bank declined because of XXXX  XXXX. Im not understanding why because they refunded my money before due to an XXXX  XXXX  issue. My account is now in the negative because of this. I just need this resolved ASAP its been going on two months now.

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 2020-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX I purchased a mirror on XXXX from a seller in XXXX. I used PayPal. The total was {$430.00}. 5 minutes after I made payment the XXXX seller contacted me saying his PayPal acct was hacked and my payment didnt get to him. I immediately opened a case with PayPal per the sellers recommendation. He instructed me to submit the case as payment unauthorized. PayPal immediately closed my claim saying it wasnt unauthorized. I informed seller who says because he didnt receive payment that he wont ship mirror. PayPal will not allow me to reopen the claim as item not received nor allow me to escalate. So Im out {$430.00}. Their dispute process is purposefully deceptive. They advised me twice to click a non-existent link on bottom of page in resolution center for the case. Their chat bot will now allow me to talk to an agent, and their resolution center says its closed during a time they publish they are open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 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: AR

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX {$620.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: NC

Complaint narrative:
XXXX  should not be reporting to XXXX ; XXXX and Transunion that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account had been transferred and one of my payments had been processed incorrectly and because of this processing error my account had reported a late payment. The payment of XXXX had actually been entered as a payment for XXXX. Consequently because of this initial data entry error, this account has been falsely reporting a ( 30 ) day late. I contacted XXXX and I was assured that this data entry error would be corrected. Unfortunately, they did not keep their word and this account is still reporting wrong. I have contacted the bureaus as well to remove this late however, I have not been successful.

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 2020-05-27 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: NC

Complaint narrative:
XXXX  should not be reporting to XXXX ; Experian and XXXX that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account had been transferred and one of my payments had been processed incorrectly and because of this processing error my account had reported a late payment. The payment of XXXX had actually been entered as a payment for XXXX. Consequently because of this initial data entry error, this account has been falsely reporting a ( 30 ) day late. I contacted XXXX and I was assured that this data entry error would be corrected. Unfortunately, they did not keep their word and this account is still reporting wrong. I have contacted the bureaus as well to remove this late however, I have not been successful.

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 2020-05-27 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: AR

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX {$620.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: AR

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX {$620.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX {$430.00} XXXX XXXX XXXX {$1600.00} CHAPTER BANKRUPTCYXXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: FL

Complaint narrative:
I went to apply for a loan, and was turned down and I looked my credit up and seen items on my credit that should not be on my credit and needs to be removed .i contacted all three beaureus and no one has answered back. So I want to see is their something that you can do.I am including my DLSS and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: FL

Complaint narrative:
I went to apply for a loan, and was turned down and I looked my credit up and seen items on my credit that should not be on my credit and needs to be removed .i contacted all three beaureus and no one has answered back. So I want to see is their something that you can do.I am including my DLSS and police 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 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have an account with USAA and they have decided to end my banking relationship with them because of another non-bank related product issue. They were to close my account within 30 days of XX/XX/2020. As of today, XX/XX/2020 and being physically here at the branch in XXXX XXXX to withdraw my funds I am being told I still have to wait. My bills and other obligations have now gone seriously delinquent and may cause me to get evicted and Utlilities terminates because I can not access my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
GM Financial claims they sent me a final bill for a leased vehicle that was turned in early. I never received such bill. They then reported me to the credit bureaus for not paying the final payment even though i never knew until i applied for a mortgage refinance that i owed anything. When i disputed this by phone, they told me " we left you a voicemail on your cell phone '' ( no date was verified and i had no such voicemail '', but they admitted they should have called earlier and BEFORE reporting me to the bureaus. Further, they said they'd clear the negative marks from my credit report. Needless to say, i can not get my credit score adjusted fast enough to refinance my mortgage, so because of their admitted error, i will be in an unfortunate situation. My auto payments are ALWAYS on auto pay from my bank account so that i don't miss a payment. They inaccurately said i owed a balance for 6 months and missed monthly payments for 6 months AFTER i had turned in the leased vehicle. I am confident they knew they did not properly try to reach me for an unpaid balance and that's why they jumped to say they will remove the marks. Unfortunately, 30-45 days of waiting will not be suitable to help me. i have already spent countless hours on the phone with all 3 credit bureaus as well as GMF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are inaccurate debts on my credit report which is hindering my choice of getting housing for my child and I. I have disputed these inaccuracies for three years, and the credit collections have yet to send me the original contract bearing my signature and what method is being used to verify these false debts. These credit collection companies are not adhering to The Fair Credit Reporting Act. It's been three years that I've been requesting the validity of these debts belonging to me, and they can't verify anything. 

I DO NOT WISH FOR ANY INFORMATION TO BE VERIFIED VIA E-OSCAR!!! Please speak to real people so that I can get real results!!! 

These inaccurate reportings are hindering me being a mother and providing housing.

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