vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I had purchased a XXXX XXXX Gift set worth {$100.00} from Macy 's store ( MACY S XXXX XXXX XXXX ) in XXXX, IL on XXXX XXXX, 2019. The amount of {$100.00} was debited from my card and also an additional {$39.00} was debited from my debit card for unknown reason. I had applied for Macy 's card at the time of purchase but I did not receive any card and hence I also did not use the Macy 's card for any transactions. I had asked the customer care to close the account within a month i.e. on XX/XX/2019 without receiving any card. 

In addition to an unknown transaction for {$39.00}, I am also asked to pay {$48.00} every month for no reason. This amount has now accumulated to {$270.00}. Macy 's did not give me any reasoning for asking me to pay this amount when I have not received or used any Macy 's card and also I have paid the full amount for the product. I have been also said that the product payment was not done even after I had faxed my bank statement showing the debited amount and transactions and still Macy 's did not help me one bit despite speaking to several customer service representatives.

My account is also been reported as Delinquent account which has greatly impacted my credit 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 2020-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I lost my card back in XXXX of 2019 i had with Venture- Capital One. I called the CC company to replace my card and have it sent to a different address, which they said they could do as long as they can verify my identity through various documents. 

After i sent them the documents they requested ( social security card, state license ), i was supposed to wait 1 - 2 weeks after which they were supposed to get back to me. When they contacted me again they told me they couldn't verify my identity and asked to resend documents and a bank statement that had my name and address on it. 

I waited a month and contacted them again and they told me they were busy and was still working on it. I waited a few more weeks and called them again and they asked me to send the same documents, this was in XXXX. 

I havent heard from Venture- capital one ever since- I dont know if they are still working on processing my replacement card or verifying my identity. It's getting very frustrating and time consuming, trying to get this resolved and Im continuing to make payments and paying interest on the card. 

This has gone on for too long and i would like to get this resolved, please help. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XXXX XX/XX/2020, I accessed a website for assistance in setting up a XXXX account, XXXX XXXX XXXX. Phone numbers used in setting up the assistance were XXXX and XXXX. I spoke to a man with an XXXX  XXXX accent. He did help me set up the XXXX account, but in the process he took my American Express credit card number and pin to set up the XXXX billing but also had me buy {$500.00} gift cards at XXXX  and XXXX to use in covering charges that he had erroneously placed on my American Express card. I suspected fraud, but since he did help with the XXXX account, against my better judgment, I gave him the gift card numbers and pins. Within a few hours he had emptied both gift card accounts and charged 6 purchases for {$25.00} each at XXXX  on my American Express Card. American Express will not assist as I was stupid enough to give him access to the gift card and XXXX XXXX Card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates continues to harass and defame me by continually calling me on the telephone over an alleged debt. I mailed two Debt Validation Letters to Portfolio Recovery Associates on XX/XX/2019 and XX/XX/2019 via Certified Mail and Return Receipt Requested ( see attached letters ). Portfolio Recovery Associates has failed to provide any physical verification. Portfolio Recovery Associates submitted false and erroneous credit information to XXXX, XXXX, and XXXX. This false and erroneous information has caused me severe problems by being denied credit, apartment rentals, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
The following bank and credit unions thats currently listed on my Chex Systems Consumer Report was previously deleted from my consumer report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, I never applied for any checking account or line of credit from these creditors, but these creditors are currently listed on my Chex Systems Consumer Report. The accounts are fraudulent, unauthorized and not my accounts. I sent a police report to Chex Systems in XX/XX/2019 in regards to these creditors and fraudulent accounts.

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 2020-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: AMERICASH
State: WI

Complaint narrative:
I was having a furnace problem that needed to be replaced right away and took out a payday loan with Americash loans in XXXX Wisconsin and was told, if I recommend someone, I would get a reward of {$100.00}, deposited into my checking account, the date of the person first payment withdrawal from their checking account. I recommended a relative, who took out a loan in my presence. The store manager XXXX, told me and my realative, for my recommendation of the relative, I get {$100.00}, deposited into the checking account, the first day of my relatives payment on XX/XX/2020. XXXX, seemed really nice at the time of the loan, my relative took out. But was not being honest and proved the untruths on XX/XX/2020. 
I checked my account for the {$100.00}, on XX/XX/2020 and the {$100.00}, was not deposited into my account. I called the store, and the store manager, XXXX, answered and gave a fake name as XXXX, and stated that they do not deposit money into accounts for recommendations, into accounts and I would have to wait for 10 days to receive a check in the mail. I stated to XXXX, who was not honest about her name, which I recognized her voice from talking to her, the day my relative took out her loan, XXXX assisted her. XXXX, was very rude and I told her my relative was my witness, to XXXX, telling us the {$100.00}, would be deposited into my account. XXXX, was rude, so I asked her for Americash corporate office to file an complaint against XXXX, and the store on XXXX XXXX XXXX in XXXX , WI. XXXX, stated the phone number fast, and hung up on me, before I could write the number down. I had to call back, and ask for the number again to Coporate. XXXX, having calling ID, once again identified herself as XXXX. I asked XXXX for corporate 's number once again, at slower pace. I was given customer service number and spoke wait a supervisor who took my complaint and apologized. I asked she would have a district manager call me. A guy name XXXX, who stated he was the area Manager call me later the day on XX/XX/2020. He was very rude and stereotyped me, which I stated to him, I felt he was being XXXX. I told him, that XXXX, told me and my relative regarding the referral {$100.00}, being deposited into my checking account on XX/XX/2020. untruths and also that XXXX, identified herself as XXXX, XXXX, stated he did not believe me and XXXX has been with Americash for 3 years and she was a good for their company. I told XXXX, since your phones are monitored listen to the call, from my phone to your office, today, XX/XX/2020. XXXX, stated to me since, I stated to him, he might be XXXX  he hung up on me. What XXXX, and XXXX, fail to realize is that, they need customers, to keep their jobs, I recommend, if anyone is in need for emergency money, do not use Americash!

Company response to consumer: Untimely response
Consumer complaint received 2020-02-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Innovis
State: UT

Complaint narrative:
Valid police reports are attached to this complaint if in the future a creditor willfully tries to report a debt account to my Innovis report. I have also attached the Detective from the police department. He specifically stated to seek the cooperation of the credit bureaus in this matter. I am requesting for you all to be in compliance of the law in these matters. Feel free to reach out to the police department in this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying for over 4 weeks now to get my credit unlocked by Equifax " Lock and Alert ''. I have been on the phone for hours each time i talk with Equifax. I have faxed all the information they ask for. Every time I call I get transferred to the wrong department or to their overseas phone clerks who do not understand english. I have spoken to supervisors who tell me that they escalate the problem but nothing happens. they can never give you any information about why they can't unlock my credit file. Several supervisors say they escalate the case with a priority or expedite notation. Still nothing happens. No ever contacts me. This is all frustrating as h*** ... ... .. I need my credit unlocked for a refinance. Please help me!!!!!!!!!! Do not subscribe to Equifax Lock and Alert!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: CA

Complaint narrative:
While checking my personal credit report, which I acquired from Equifax, I noticed an unauthorized inquiry made by your company XXXX XXXX on XXXX, and XXXX are on XX/XX/2018. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
It's come to my attention that my loan servicer, great lakes borrower services, is not able to explain the mechanic of " capitalization '' to me other than that it is a product feature that allows them to role over interest into my principal. This can not possibly be legal and what the regulators intended when greenlighting a product such as a " student loan ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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:
Incorrect Balance, Upon Reviewed my Statement, the disputed of a Purchased in the amount {$1200.00} on XX/XX/2018 from XXXX XXXX XXXX have not yet credit to my account, as i have reached out to the merchant regarding about this matter, and have receives confirmation letter from the merchant regarding about the refunded amount. Attachment are proof settlement.

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 2020-02-17 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:
Incorrect Balance, Upon Reviewed my Statement, the disputed of a Purchased in the amount {$1200.00} on XX/XX/2018 from XXXX XXXX XXXX have not yet credit to my account, as i have reached out to the merchant regarding about this matter, and have receives confirmation letter from the merchant regarding about the refunded amount. Attachment are proof settlement.

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 2020-02-17 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:
Incorrect Balance, Account paid in full and closed. no late payments, no collection, no charge off. Satisfy 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 explanation
Consumer complaint received 2020-02-17 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:
Incorrect Balance, Account paid in full and closed. no late payments, no collection, no charge off. Satisfy 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 explanation
Consumer complaint received 2020-02-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA refuses to send me USAA Policies. Due to XXXX  XXXX  I have NO ACCESS on line with USAA. I requested XX/XX/XXXX Paperwork info on line web provides all others NOT ME, to no avail. I requested again XX/XX/XXXX, no avail. I NEED TO KNOW USAA POLICY TO FOLLOW IT. See attatched XX/XX/XXXX FRAUD CLAIM letter. WOW Temporary Credits must be MADE PERMANET. USAA HAS LIED TO ME FOR 2 YEARS. Telling me the credit reversals were from USAA CREDITS WHEN CREDITS WERE NEVER MADE PERMANET! NO USAA TEMPORARY CREDIT WAS EVER MADE PERMANET so USAA USES TEMPORARY CREDITS TO CREATE PERMANET PURCHASES?? OF CREDIT REVERALS OF ** CREDIT NEVER GIVEN STEALING MERCHANT CREDITS?? COVERING THEIR FRAUD LEAVING CONSUMER LIABLE FOR THE FRAUD?? Attached XX/XX/XXXX USAA statement IS BEGINNING OF FRAUD. Kindly Note THERE ARE NO USAA CREDITS ONLY MERCHANT CREDITS. USAA demands I put all this in writing when they know My Hands Unable to do so taking advanage of my age and XXXX. USAA please accept this as in writing. XX/XX/XXXX Merchant credits {$120.00} & {$210.00} *REVERSED XX/XX/XXXX due to TEMP credits. XX/XX/XXXX Merchant credits {$15.00} {$17.00} {$25.00} * REVERSED XX/XX/XXXX due Temp credits XX/XX/XXXX Merchant credits {$110.00} *REVERSED due Temp credit XX/XX/XXXX XX/XX/XXXX Merchant credits {$12.00} {$26.00} {$9.00} * REVERSED XX/XX/XXXX {$9.00} {$26.00} due Temp credit XX/XX/XXXX Merchant credits {$200.00} {$280.00} {$150.00} {$230.00} {$8.00} {$14.00} = {$910.00} PERM CREDITS and ** CHARGED XXXX OLD FRAUD FROM XX/XX/XXXX Note the ( F ) in ref number cide for fraud. USAA puts KNOWN FRAUD ON AS NEW PURCHASES XX/XX/XXXX {$6.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX * REVERSED {$200.00} {$280.00} = Total Reversed {$970.00} USAA IS THE THIEF STEALING EVERYTHING FTC MADE MERCHANTS CREDIT. Note the pattern. Merchant PAYS and USAA TAKES AS THEIRS WHEN THEY NEVER MADE THE TEMP CREDIT PERMANET. USAA STATES ALL CREDITS ARE INTERNAL USAA HIDES THIS. USAA refuses to send policy to explain TEMP BEING MADE PERMANET PURPOSELY. USAA HAS HELD ME LIABLE FOR FRAUD SINCE XXXX XXXX The first time I used this 4 years old card they tell me. USAA IS HOSTILE AND UNCOOPERATIVE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: FL

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 Compliant accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX ( OC : XXXX XXXX ) - Account : XXXX Creditor : XXXX XXXX ( XXXX XXXX )  - Account : XXXX Creditor : XXXX XXXX ( OC XXXX XXXX XXXX ) - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2020-02-17 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: FL

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 Compliant accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX ( OC : XXXX XXXX ) - Account : XXXX  Creditor : XXXX XXXX ( XXXX XXXX ) - Account : XXXX Creditor : XXXX XXXX ( OC : XXXX XXXX ) - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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