vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MD

Complaint narrative:
I used cash app to sell my camera, the funds never showed. Cash app then demanded more money. I still have not received any fund due for the sale of the camera

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TX

Complaint narrative:
equifax, XXXX, and equifax FCRA violation on my credit they put a discovery account that was removed back on my credit without notifying me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX fraudulently falsified documentation to put charges on a victim of identity fraud. I was the victim of identity fraud, and sometime around XXXX. 
A couple years ago ( XXXX ), I discovered that my identity was fraudulently used, and someone had opened and charged a credit card account under XXXX XXXX for an amount of {$550.00} ( actually, it appears someone had tried to open many accounts under various banks ). I contacted all the banks that the thief had attempted and/or succeeded to open accounts and warned the banks. When I contacted XXXX XXXX, they notified me that XXXX was the company that handled the account in dispute. Thus, I contacted XXXX, and I informed them of the situation. XXXX indicated that they needed my information so they may further send me the information for filing a complaint. Thus, I provided my address, and XXXX submitted the letter for me to file a complaint. Though, when I followed-up about the complaint weeks after, they indicated that they had my address all along. Though, if so, I would have received the charges ( which were done since XXXX ). Though, when I asked them what was my previous address or any information about the account, they would not provide, which should not be a secret since it supposedly was me. Thus, I suspect that the XXXX was as guilty in falsifying documents to align my actual information to theirs. 
A few months later ( XXXX XXXX, I submitted an official complaint of the stolen identity with the local police department ( XXXX, MD ). 
I notified the credit agencies, Experian, XXXX, and XXXX, and two of the three agencies record me at fault without any explanations : Experian  and XXXX. 
These companies did not perform their due diligence to ever confirm the identity fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: WV

Complaint narrative:
Today, XX/XX/2019 I received a debt collection notice from XXXX XXXX XXXX. They claim I owe money from a company named Ginnys, which I had never heard from until today. When I tried to get information they just said called Ginnys. When I called Ginnys they said they couldnt tell me who placed the order, what was purchased, or where it was sent. Im very concerned that I have been fully sent to collections and have ruined my credit over an $ XXXX+ charge that is fraudulent. Im concerned that my social security number has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TX

Complaint narrative:
XXXX, transunion, and XXXX FCRA violation on my credit they put a discovery account that was removed back on my credit without notifying me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TX

Complaint narrative:
XXXX, XXXX, and XXXX  FCRA violation on my credit they put a XXXX account that was removed back on my credit without notifying me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My XXXX  credit card was charged {$3600.00} on XX/XX/XXXX. The charge is from " XXXX  XXXX XXXX '', a company i've never heard of. This occurred during a trip to XXXX with my brother during that time. After returning home from the trip I checked my account and saw the charge, which I then disputed on XX/XX/XXXX. I was told that it would take several weeks for a response. The dispute claim was rejected on XX/XX/XXXX due to " We confirmed your card was used for the charge. The chip was read ... which indicates you or someone you allowed to use your card was present ''. I contacted Bank of America on XX/XX/XXXX to protest the decision and was told that the Fraud claim would be resubmitted ( confirmation no : XXXX ). On XX/XX/XXXX I contacted BoA again to follow up and was told that nothing had been filed. I went through several individuals on that day ( XXXX, XXXX, XXXX, XXXX XXXX ) who could not provide me support until I spoke to XXXX XXXX out of Texas. XXXX XXXX told me that she was able to get things submitted for me giving me confirmation no. XXXX and told me to contact the existing claims to follow up in the future and that I would be mailed a confirmation that everything was on track. 
I reached out again on XX/XX/XXXX, after not hearing anything or receiving anything in the mail. XXXX from Tenessee informed me that my claim had been denied that day, the XXXX, and that she didn't know why I didn't get a letter. She recommended that I file a police report and submit again if I wanted to. I've no been able to get a report filed and am looking for guidance. 
All of the charges, including all travel, during my trip to XXXX are included on both my BoA credit and debit card. I still have not been told the actual name of the company or the product I supposedly spent the money on. BoA claims that Fraud is impossible with the chip but everyone I've spoken to on the phone at BoA agrees that someone, say a waiter, could have easily taken my card as payment for a meal and run the charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is in regard to my Capital One Menards XXXX XXXX account. I made a payment of {$250.00} to Capital One for the account on XX/XX/2019 via electronic payment from my XXXX XXXX XXXX   checking. The funds were debited from my checking immediately. I called Capital One on XX/XX/XXXX to confirm their receipt of payment, because it did not show on my account online. They said they did not get the payment. I was told to send proof of payment via fax to their retail billing dept, to include a copy of my bank statement showing the payment was debited from my checking account. I sent the documentation on XX/XX/2019. I called on XX/XX/XXXX to confirm their receipt of the faxed documentation. They acknowledged receipt, and said they were looking into it. They said they listed the {$250.00} missing payment as a " dispute ''. At the end of XXXX, they sent me a letter asking for more proof of payment. They asked me to fax a copy of the bank transaction, issued by my bank, to show the electronic payment. I went to my bank, got this documentation, and then faxed that, as requested, to the fax number given on the letter. I faxed this on XX/XX/2019. On XX/XX/2019, I called again ( this is the fifth time I have called them ) for status update. The customer service rep said she had " bad news - they closed the dispute. '' When I asked why, she said " lack of response ''. I DID respond. I have sent them everything they have asked for. I have printed confirmation of successful transmission of the faxes to the numbers they instructed me to use. Today I spoke with two different representatives, one supposedly a supervisor. He said he would escalate the issue to the " back offices ''. I do not know what that's supposed to mean, other than they have once again found a reason to delay finding and applying my payment. My banker at XXXX XXXX bank said Capital One most likely applied my payment to the wrong account, but since they do have the transaction number associated with the payment, Capital One should be able to find the misapplied payment and correct it. What worries me is that Capital One closed this issue under false pretense ( that I didn't respond ). I have done all they asked within the time frame they asked, and they refuse to acknowledge my proof of payment or correct this error. They should either find my electronic payment and apply it correctly, or return the payment to my bank account as unable to be applied. I have sent every piece of documentation they asked for in order to resolve the problem, but instead of resolving the problem, they simply closed the dispute and kept my money. How is that legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: MA

Complaint narrative:
I am writing to dispute XXXX XXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXX was placed on my credit file it was never validated also they put my dispute statement as my personal statements so everyone can view it. The original creditor ( XXXX XXXX XXXX XXXX knows I was living with someone at that address they need to validated it XXXX of 2016 shows this is not my debt it belongs to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I opened a suntrust account XX/XX/19 and deposited {$400.00} in savings and {$800.00} in checking. Today XX/XX/19 I cant use online account so I called they said my account will be closed. No provided reason and no access to my money. I called three different departments went to branch in person an tried atm. They would not give me info or my money. Ive had no money for basic needs lol gas, for, shelter I have no other way to get funds. They said I will get a check in mail of my money in 7-10 days after 5-7 day investigation. They refuse to help me or allow me funds to survive.. I did nothing wrong.. Im a hard workin RN!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 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: Firstsource Business Process Services, LLC
State: OH

Complaint narrative:
XXXX XXXX False Reporting. Debt has been charged off and agency is making derogatory remarks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
transunion is reporting an incorrect last payment date on my XXXX  XXXX bank loan XXXX i have disputed this SEVERAL times but never received a response from capital one nor a decision on my dispute nor is the error fixed. 

please see my internal email tracking file " transunion email status '' i shows that i submitted the most recent disputes on this matter on XX/XX/XXXX and XX/XX/XXXX. the fair credit reporting act requires transunion to remove this entire record from my file as XXXX XXXX violated the " 30 day '' rule on responding to a dispute. the XX/XX/XXXX dispute is over six weeks - plenty of time for them to have reacted to my written and online dispute to this error. 

on their own credit report ( see attached file " 6 years of tu reporting payment ... '' you will see documentation that the LAST reported ( for years of reporting ) payment was made on XX/XX/XXXX not XXXX XXXX i pointed out several times that the XX/XX/XXXX date represents the first time the acct went over 90 days late - not the last payment date. tu 's own report demonstrates that this fact. 

transunion needs to remove this entire account from my file as the last payment date still remains in error. 

i expect transunion to adhere to the laws of the fair credit reporting act and take the mandated action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: LA

Complaint narrative:
I have disputed this problem more than once with the credit bureaus and gave statements and presented documents and still no progress I have been paying this company for my car after it got XXXX they are reporting false information and they are not showing anything I've paid since the before the XXXX they are also reporting I have XXXX  missed payment and that's not true if that was so they would have XXXX  the car again the way the payment arrangements were set up by weekly and by weekly my dates went along with my pay dates I asked to split my payments in half and the amount we agreed on I paid for awhile and I called them and set up a different amount they agreed but they are still showing I'm not paying so I have negative marks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: LA

Complaint narrative:
I have disputed this problem more than once with the credit bureaus and gave statements and presented documents and still no progress I have been paying this company for my car after it got XXXX they are reporting false information and they are not showing anything I've paid since the before the XXXX they are also reporting I have XXXX missed payment and that's not true if that was so they would have XXXX the car again the way the payment arrangements were set up by weekly and by weekly my dates went along with my pay dates I asked to split my payments in half and the amount we agreed on I paid for awhile and I called them and set up a different amount they agreed but they are still showing I'm not paying so I have negative marks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
this complaint comes after exhausting all my administrative remedies against Macys to fix and error in their part after a fraudulent charge was disputed for XX/XX/2017, corrected and Macys never cleared the late payment this charge caused. 

i have disputed this issue with the bureaus and Macys without a successful resolution to the issue. additionally Macys never notified me properly about this damage to my personal credit report until i had to pay the consequences of the FICO score drop with all my finances. 

i pray and request Macys clear this late payment reporting on my presonal credit report for the month of XX/XX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX submitted statements to Equifax and XXXX stating that my information had been used to obtain a loan fraudulently. 

They still claim the loan in question was made by me and not through fraud. I called to get the fraud form that they stated needed to be filled out and yet harassed me when I called to do so. They claim on one side they have this call recorded yet once again claim that this call doesn't exist. 

I have filled out all the reports that they require. They refuse to remove the item from my reports yet have no problem reporting fraudulent activity on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CA

Complaint narrative:
this complaint comes after exhausting all my administrative remedies against XXXX to fix and error in their part after a fraudulent charge was disputed forXX/XX/2017, corrected and XXXX never cleared the late payment this charge caused. 

i have disputed this issue with the bureaus and XXXX without a successful resolution to the issue. additionally XXXX never notified me properly about this damage to my personal credit report until i had to pay the consequences of the XXXX score drop with all my finances. 

i pray and request XXXX clear this late payment reporting on my presonal credit report for the month of XX/XX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
this complaint comes after exhausting all my administrative remedies against XXXX to fix and error in their part after a fraudulent charge was disputed for XX/XX/2017, corrected and XXXX never cleared the late payment this charge caused. 

i have disputed this issue with the bureaus and XXXX without a successful resolution to the issue. additionally XXXX never notified me properly about this damage to my personal credit report until i had to pay the consequences of the FICO score drop with all my finances. 

i pray and request XXXX clear this late payment reporting on my presonal credit report for the month of XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
this complaint comes after exhausting all my administrative remedies against XXXX to fix and error in their part after a fraudulent charge was disputed for XX/XX/2017, corrected and XXXX never cleared the late payment this charge caused. 

i have disputed this issue with the bureaus and XXXX without a successful resolution to the issue. additionally XXXX never notified me properly about this damage to my personal credit report until i had to pay the consequences of the FICO score drop with all my finances. 

i pray and request XXXX clear this late payment reporting on my presonal credit report for the month of XX/XX/2017.

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